TWM631072U - Handling fees update platform for financial product - Google Patents

Abstract

A handling fees update platform for financial product includes a database system and a dynamic pricing server. The database system is configured to store a plurality of financial data. The dynamic pricing server is coupled to the database system. The dynamic pricing server is configured to receive a piece of transaction data of a financial product of an ordering device. The dynamic pricing server is configured to generate a handling fees discount corresponding to the piece of transaction data so as to update and display the handling fees discount in the ordering device according to the piece of transaction data and the plurality of financial data.

Description

Financial commodity fee update platform

This case involves a financial platform. In detail, this case involves a financial product fee update platform.

Fund fee income is the main source of income for banks to operate wealth management business. However, fund fee is also one of the main factors for consumers to decide whether to subscribe for funds from this bank. Although there is room for negotiation of bank fund fees, most However, many consumers do not know about this, because the bargaining space exists in the specialized service of the bank, and there is no clear bargaining channel for customers who are accustomed to online purchases.

Therefore, most consumers choose to compare the handling fees of multiple banks, choose the lowest one to open an account, and then subscribe for funds. For banks, this will lose part of the existing customers in their own bank to conduct wealth management business, and lose this Potentially huge business opportunities, and for consumers, they also need to pay additional account opening costs, resulting in a lose-lose situation.

Therefore, the above-mentioned technology still has many defects, and other suitable financial commodity fee update platforms need to be developed by practitioners in the field.

One aspect of this case involves a platform for updating transaction fees for financial products. The platform for updating the transaction fee of financial products includes a database system and a dynamic pricing server. The database system is used to store a plurality of financial data. The dynamic pricing server is coupled to the database system. The dynamic pricing server is used to receive transaction data of financial products of the order placing device. The dynamic pricing server generates a handling fee discount corresponding to the transaction data according to the transaction data and a plurality of financial data, so as to update and display the handling fee discount on the order placing device.

The following will clearly illustrate the spirit of this case with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field who understands the embodiments of this case can make changes and modifications by using the techniques taught in this case, which does not deviate from the principles of this case. spirit and scope.

The language used herein is for the purpose of describing particular embodiments and is not intended to be limiting. The singular forms such as "a", "the", "the", "this" and "the", as used herein, also include the plural forms.

The terms "comprising", "including", "having", "containing", etc. used in this document are all open-ended terms, meaning including but not limited to.

Regarding the terms (terms) used in this article, unless otherwise specified, they usually have the ordinary meaning of each term used in this field, in the content of this case and in the special content. Certain terms used to describe the present case are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in the description of the present case.

FIG. 1 is a schematic block diagram of a circuit of a financial product fee update platform 100 according to some embodiments of the present application. In some embodiments, please refer to FIG. 1 , the financial product fee update platform 100 includes a dynamic pricing server 110 and a database system 120 .

The database system 120 is used for storing a plurality of financial data. The dynamic pricing server 110 is coupled to the database system 120 . The dynamic pricing server 110 is used for receiving transaction data of financial products of the order placing device 900 . The dynamic pricing server 110 generates a handling fee discount corresponding to the transaction data according to the transaction data and a plurality of financial data, so as to update and display the handling fee discount on the order placing device 900 .

In some embodiments, the dynamic pricing server 110 is further configured to evaluate a plurality of financial data to generate an evaluation result, so as to calculate the handling fee discount according to the evaluation result.

In some embodiments, the dynamic pricing server 110 and the database system 120 respectively comprise software, hardware, firmware, or a combination of the foregoing.

In some embodiments, the order placing device 900 may be a mobile device with an online banking application or a computer device connected through an online fund platform.

In some embodiments, the plurality of financial data includes at least one of customer contact time data, fixed deposit data and subscription data.

In some embodiments, the subscription data may be the financial product subscription amount or the financial product subscription times.

In some embodiments, the fixed deposit information may be a deposit accumulation or a fixed deposit record.

In some embodiments, the financial product includes at least one of a domestic fund, a foreign fund, and a fixed-term fund.

In some embodiments, the database system 120 includes at least one of a deposit system 121 , a loan system 122 , a fund system 123 and a credit card system 124 . It should be noted that the internal financial system of the database system 120 can be designed according to actual requirements, and is not limited to the illustrated embodiment.

In some embodiments, the dynamic pricing server 110 , the database system 120 , and the ordering device 900 are coupled through an Application Programming Interface 130 . Therefore, by using the API 130, the data among the dynamic pricing server 110, the database system 120 and the API 130 can be updated in real time without causing delay of data or messages.

In some embodiments, the dynamic pricing server 110 is further configured to evaluate a plurality of financial data according to the financial evaluation table to generate an evaluation result, so as to calculate the handling fee discount according to the evaluation result and the discount scoring spreadsheet. The above financial assessment table is listed below:

In addition, the dynamic pricing server 110 is further configured to evaluate a plurality of financial data according to the financial evaluation table to generate an evaluation result, and the evaluation result is the total score, and the dynamic pricing server 110 calculates according to the discount score trial balance and the total score Discount on handling fee. The above discount score trial balance is as follows:

In Table 2, the fee pricing can be designed according to the actual needs of the bank, and is not limited to the examples of the table in this case.

In some embodiments, in order to make the operation of the financial product fee update platform 100 in FIG. 1 easier to understand, please refer to Table 1 and Table 2 together, and three examples will be provided for reference later.

For example, an existing customer A subscribes to a bank for financial products of domestic funds through the ordering device 900, and the dynamic pricing server 110 of the financial product handling fee update platform 100 adopted by the bank receives the information from the ordering device 900 placed by customer A. Fund transaction information. The dynamic pricing server 110 generates a handling fee discount corresponding to the transaction data according to the transaction data of the fund and the financial data of the A client in the bank.

Next, the dynamic pricing server 110 searches for the financial data of the deposit system 121 , the lending system 122 , the fund system 123 and the credit card system 124 of the customer A in the bank according to the transaction data of the fund. The details of customer A's financial information are that the customer's contact time information is 1 month, there is no fixed deposit in the bank, the total amount of financial product purchases in the past year is 10,000 yuan, the number of purchases in the past year is less than 3 times, and the number of purchases in the past 6 times is less than 6 times. The monthly deposit is 10,000 yuan.

Furthermore, the dynamic pricing server 110 obtains the following equation according to the classification distance in the aforementioned financial data comparison table 1: Y1=1*0+1*0+2*0+1*0=0…Formula 1

In Equation 1, Y1 is the total score of customer A. Y1 is 0 points. Therefore, the dynamic pricing server 110 compares Table 2 according to the total score, in order to obtain the handling fee discount as no discount, so the customer A calculates the handling fee at the original price.

In some embodiments, if the transaction data is in the order processing stage, the dynamic pricing server 110 of the financial product fee updating platform 100 is further configured to display the fee discount in the confirmation step in the order processing stage. It should be noted that when client A fills in the transaction information of the fund, the dynamic pricing server 110 of the financial product handling fee update platform 100 can calculate the handling fee discount of the fund at the same time, and display the handling fee discount in the order processing stage in time. The confirmation step, so as to let customer A know the transaction fee discount of this transaction information.

In some embodiments, if the transaction data is in the order completion stage, the dynamic pricing server 110 of the financial product fee update platform 100 is further configured to display the fee discount on the display screen of the order placing device 900 in the order completion stage. It should be noted that when client A quickly completes the transaction data of the fund through the order placing device 900, the dynamic pricing server 110 of the financial product handling fee update platform 100 has not yet completed the calculation of the handling fee discount. At this time, the financial product handling fee is updated. The platform 100 displays the handling fee discount on the display screen of the order placing device 900, so that the customer A can know the handling fee discount in the next subscription or the customer A can inform the relatives and friends that the bank has the handling fee discount information.

For example, an existing customer B subscribes to a bank for financial products of domestic funds through the ordering device 900, and the dynamic pricing server 110 of the financial product handling fee update platform 100 adopted by the bank receives the information from the ordering device 900 of customer B. Fund transaction information. The dynamic pricing server 110 generates a handling fee discount corresponding to the transaction data according to the transaction data of the fund and the financial data of the B client in the bank.

Next, the dynamic pricing server 110 searches for the financial information of the deposit system 121 , the lending system 122 , the fund system 123 and the credit card system 124 of the customer B in the bank according to the transaction data of the fund. The details of the financial information of customer B are that the customer's contact time data is 13 months, there is a fixed deposit in the bank, the total amount of financial product purchases in the past year is 200,000 yuan, and the number of purchases in the past year is 2 times but less than 3 times And the accumulation of deposits in the past 6 months is 660,000 yuan.

Furthermore, the dynamic pricing server 110 obtains the following equation according to the classification distance in the aforementioned financial data comparison table 1: Y2=1*2+1*1+2*2+1*2=9...Formula 2

In Equation 2, Y2 is the total score of customer B. Y2 is 9 points. Therefore, the dynamic pricing server 110 compares Table 2 according to the total score, so as to obtain a discount of 10% on the handling fee, so the handling fee for customer B is 10 yuan.

In some embodiments, if the transaction data is in the order processing stage, the dynamic pricing server 110 of the financial product fee updating platform 100 is further configured to display the fee discount in the confirmation step in the order processing stage. It should be noted that when client B fills in the transaction information of the fund, the dynamic pricing server 110 of the financial product handling fee update platform 100 can calculate the handling fee discount of the fund at the same time, and display the handling fee discount in the order processing stage in time. The confirmation step, so as to let customer B know the transaction fee discount for this transaction.

In some embodiments, if the transaction data is in the order completion stage, the dynamic pricing server 110 of the financial product fee update platform 100 is further configured to display the fee discount on the display screen of the order placing device 900 in the order completion stage. It should be noted that when customer B quickly completes the transaction data of the fund through the order placing device 900, the dynamic pricing server 110 of the financial product fee update platform 100 has not yet completed the calculation of the fee discount. At this time, the financial product fee update The platform 100 displays the handling fee discount on the display screen of the order placing device 900, so that the customer B can know the handling fee discount in the next subscription or can inform the relatives and friends that the bank has the handling fee discount information.

For example, an existing customer C subscribes to a bank for financial products of domestic funds through the ordering device 900, and the dynamic pricing server 110 of the financial product handling fee update platform 100 adopted by the bank receives the information from the ordering device 900 of the customer C. Fund transaction information. The dynamic pricing server 110 generates a handling fee discount corresponding to the transaction data according to the transaction data of the fund and the financial data of the C client in the bank.

Next, the dynamic pricing server 110 searches for the financial information of the deposit system 121 , the lending system 122 , the fund system 123 and the credit card system 124 of the customer C in the bank according to the transaction data of the fund. The details of customer C's financial information are that the customer's contact time information is 13 months, there is a fixed deposit in the bank, the total amount of financial product subscriptions in the past year is 60,000 yuan, the number of subscriptions in the past year is 13 times, and the past 6 months The accumulation of deposits is 660,000 yuan.

Furthermore, the dynamic pricing server 110 obtains the following equation according to the classification distance in the aforementioned financial data comparison table 1: Y3=1*2+1*1+2*2+1*2=9…Formula 3

In Equation 3, Y3 is the total score of customer B. Y3 is 9 points. Therefore, the dynamic pricing server 110 compares Table 2 according to the total score, so as to obtain a discount of 10% on the handling fee, so the handling fee for Client C is 10 yuan.

In addition, the situation of customer C is the same as that of customer B, and will not be repeated here.

According to the foregoing embodiment, this case provides a financial product fee update platform 100, so as to assist customers who subscribe online to obtain personalized fee discounts, so as to satisfy customers and willing to continue to provide banking services, and then inform relatives and friends, so as to increase the bank's income. .

Although this case is disclosed above with detailed embodiments, this case does not exclude other possible implementations. Therefore, the protection scope of this case should be determined by the scope of the appended patent application, rather than being limited by the foregoing embodiments.

For those skilled in the art, various changes and modifications can be made to this case without departing from the spirit and scope of this case. Based on the foregoing embodiments, all changes and modifications made to this case are also covered by the protection scope of this case.

100: Financial commodity fee update platform 110: Dynamic Pricing Server 120: Database System 121: Deposit System 122: Loan system 123: Fund System 124: Credit Card System 130: API 900: ordering device

The content of this case can be better understood with reference to the embodiments in the following paragraphs and the following drawings: FIG. 1 is a schematic block diagram of a circuit of a financial product fee update platform according to some embodiments of the present application.

100: Financial commodity fee update platform

110: Dynamic Pricing Server

120: Database System

121: Deposit System

122: Loan system

123: Fund System

124: Credit Card System

130: API

900: ordering device

Claims (10)

A financial product fee update platform, comprising: a database system for storing a plurality of financial data; and a dynamic pricing server, coupled to the database system, and used for receiving a single device of a financial product Transaction data, wherein the dynamic pricing server generates a handling fee discount corresponding to the transaction data according to the transaction data and the financial data, so as to update and display the handling fee discount on the order placing device. The financial product handling fee update platform according to claim 1, wherein the dynamic pricing server is further configured to evaluate the financial data to generate an evaluation result, so as to calculate the handling fee discount according to the evaluation result. The financial product handling fee update platform according to claim 2, wherein the financial data includes at least one of a customer contact time data, a certain deposit data and a subscription data. The financial product handling fee update platform according to claim 3, wherein the subscription data includes at least one of a financial product subscription amount and a financial product subscription frequency. The financial product fee update platform according to claim 3, wherein the fixed deposit information includes at least one of a deposit accumulation and a fixed deposit record. By. The financial product handling fee update platform according to claim 2, wherein if the transaction data is in an order processing stage, the dynamic pricing server is further configured to display the handling fee discount in a confirmation step in the order processing stage. The financial product handling fee update platform according to claim 2, wherein if the transaction data is in an order completion stage, the dynamic pricing server is further configured to display the handling fee discount on the order placing device during the order completion stage a display screen. The financial commodity handling fee update platform of claim 1, wherein the dynamic pricing server, the database system and the order placing device are coupled through an application programming interface. The financial product fee update platform according to claim 1, wherein the financial product includes at least one of a domestic fund, a foreign fund and a fixed-term fixed-term fund. The financial product fee updating platform according to claim 1, wherein the database system comprises at least one of a deposit system, a lending system, a fund system and a credit card system.

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