TWM635580U - System for expanding bank's digital financial customers - Google Patents

Abstract

This creation provides a system for expanding digital financial customers of banks, which is connected to a software product in communication. The system includes a processing module, a push module, a referral code input and verification module, and a one-point service module. When the user of the software product logs in for the first time, the push module sends a promotional information to the software product, the promotional information includes promotional information related to the referral code, and the referral code input and verification module receives the information sent by the software product A referral code, and determine whether the referral code is valid, if the referral code is valid, the point service module records the newly added points.

Description

System for expanding digital financial customers of banks

This creation is about a system for expanding digital financial customers of banks.

Generally speaking, potential digital financial customers of banks need to go through, for example, online account opening processes before they can use the full functions of the bank’s digital account app or mobile banking app. However, due to the relatively cumbersome online account opening process, it will reduce the The willingness of potential digital financial customers to use the above-mentioned App, and the specific digital financial services provided by banks that can be used without account opening qualifications, are also difficult for potential digital financial customers to contact.

Therefore, there is still an urgent need for a system for expanding digital financial customers of banks, which can simplify the process for potential digital financial customers of banks to obtain specific digital financial services, and increase the willingness of potential digital financial customers to join and use digital financial service apps.

In order to solve the problems in the aforementioned prior art, this creation provides a system for expanding digital financial customers of banks, which is connected to a software product in communication. The system includes: a processing module; a push module, and the processing module A set of electrical connections; a referral code input and verification module, electrically connected to the processing module; and a one-point service module, electrically connected to the processing module; wherein: the first login of the user of the software product , the push module sends a promotional information to the software product, the promotional information includes promotional information related to the recommendation code; the recommendation code input and verification module receives a recommendation code sent by the software product, and judges whether the recommendation code is Valid; if the referral code is valid, the point service module will record the newly added points.

In some embodiments of the present creation, the system for expanding digital financial customers of a bank is connected in communication with a user device, wherein the software product is installed on the user device.

In some specific embodiments of this invention, the system for expanding digital financial customers of a bank further includes the software product, and the software product communicates with the processing module.

According to this creation, the system for expanding digital financial customers of banks may further include: a device binding module electrically connected to the processing module; and an account password verification module bound to the device electrical connection.

In some specific embodiments of this creation, when the user of the software product logs in for the first time, the account password verification module verifies whether the entered account number and password are correct, and if they are correct, the device binding module requires the device bound. According to a specific embodiment, after the device binding is completed, the push module sends the discount information to the software product.

According to some specific embodiments of this creation, the recommendation code input and verification module further provides a recommendation activity, which records the number of times a user-related recommendation code is input and verified, and the point service module according to the times, additional points are recorded. In some embodiments, the user-associated referral code is provided to one or more referees by the software product.

Some other purposes and advantages of this creation are described in the following description, or can be understood through the embodiments of this creation. It should be understood that the above novel content and the following implementation methods are only illustrative and explanatory descriptions, rather than limiting the scope of the invention as the scope of the patent application.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this creation belongs.

The word "a" used herein, unless otherwise specified, refers to an amount of at least one (one or more).

In one aspect, the invention provides a system for expanding digital financial customers of a bank, which is in communication with a software product, and the system includes: a processing module; a push module, electrically connected to the processing module; A referral code input and verification module, electrically connected to the processing module; and a one-point service module, electrically connected to the processing module; wherein: when the user of the software product logs in for the first time, the push The module sends a promotional information to the software product, the promotional information includes the promotional information related to the referral code; the referral code input and verification module receives a referral code sent by the software product, and judges whether the referral code is valid; if the referral code code is valid, the point service module records the newly added points.

On the other hand, this creation provides a system for expanding digital financial customers of banks, which is connected to a software product in communication. The system includes: a processing module; a push module, electrically connected to the processing module; a recommendation code input and verification module, electrically connected to the processing module; a point service module, electrically connected to the processing module; a device binding module, electrically connected to the processing module; and An account password verification module, electrically connected to the device binding module; wherein: when the user of the software product logs in for the first time, the push module sends a promotional information to the software product, and the promotional information includes recommendations Code-related discount information; the referral code input and verification module receives a referral code sent by the software product, and determines whether the referral code is valid; if the referral code is valid, the point service module records the newly added points .

The system for promoting mobile payment in this creation mainly includes four electrically connected modules: a processing module, a push module, a referral code input and verification module, and a point service module. The four modules can be implemented only by hardware circuits, or by software combined with hardware circuits. In addition, the device binding module and account password verification module in this invention can also be realized only by hardware circuits, or by software combined with hardware circuits.

According to some specific embodiments of the invention, the processing module, push module, recommendation code input and verification module, and point service module can be set in a server. In a specific embodiment, the server includes a plurality of hardware circuits electrically connected to each other, which are configured to be configured into a plurality of modules, and the modules include the processing module, the push module group, referral code input and verification module, and point service module. According to some embodiments of the present invention, the server communicates with the software product.

The "software product" mentioned in this article includes but is not limited to mobile application (App). The functions of the software product may include: mobile payment, online shopping, point accumulation and redemption, product discounts (for example, coupon collection, credit card discounts, etc.), credit card services (for example, application, card opening, account information... etc.), and/or account transactions (eg, viewing desk, foreign currency account information).

The "electrical connection" mentioned herein may be a direct electrical connection or an indirect electrical connection.

In some embodiments of the present invention, the system for expanding digital financial customers of a bank is connected to a user device in communication. The software product can be installed on the user device, and the user device is preferably a smart phone or a tablet computer.

In some specific embodiments of this invention, the system for expanding digital financial customers of a bank further includes the software product, and the software product communicates with the processing module.

Examples of such communication links include, but are not limited to, connections using the Internet.

The processing module or the account verification module can provide a user interface (for example, a web page) through the user device, which allows the user to perform (experience) membership registration of the software product. The registration process may include input of ID card number, input of basic information and identity verification (for example, SMS OTP verification). Users do not need to go through the online account opening process, and can download and log in to use the software product after completing the above registration. After the user finishes opening a bank account (over the counter or online), he can further become an official member of the software product.

In some embodiments of the present invention, when the user of the software product logs in for the first time, the account and password verification module will verify whether the account number and password entered by the user are correct. If the account number and password are correct, the device binding module requires device binding. Specifically, the device binding module can provide a user interface through the software product and the user device to require the user to perform a device binding process.

According to a specific embodiment, after the device binding is completed, the push module sends the discount information to the software product.

For example, the push module can display push notifications on the user device through the software product. The promotional information includes promotional information related to the referral code, for example, where to enter the referral code in the app to get the discount, or click the "View Details" button in the push notification to directly link to the user interface for entering the referral code.

After the user inputs a referral code (for example, a referral code obtained from a friend), the referral code input and verification module receives the referral code sent by the software product and determines whether the referral code is valid. If the referral code is valid, the point service module records the newly added points. After earning points, users can use this software product for mobile payment or online shopping. For example, one point is worth NT$1.

In addition, the recommendation code input and verification module can further provide a recommendation activity. The recommendation activity records the number of times a user-associated recommendation code is input and verified, and the point service module records additional points according to the number of times. That is, if the user invites more people to use the software product and enters the referral code, he can get more discount points.

In some specific embodiments, the user-associated referral code is randomly generated by the referral code input and verification module, but it is not limited thereto. For example, it can also be customized by the user, and then input by the referral code and Validation mod checks for available referral codes.

In some embodiments, the user-associated referral code is provided to one or more referees by the software product. The referral code input and verification module can provide a user interface through the software product and the user device, allowing the user to send the user-associated referral code through a method. For example, the user interface allows the user to choose to send the user-associated referral code to one or more referees by means of mobile SMS or communication software sharing.

Now referring to Fig. 1, a preferred specific embodiment of the system for expanding the bank's digital financial customers of the present creation is as follows.

The system 100 used to expand the bank's digital financial customers includes a processing module 110 , a push module 120 , a recommendation code input and verification module 130 , a point service module 140 , a device binding module 150 , and account verification Module 160 . Among them, the push module 120 , the recommendation code input and verification module 130 and the point service module 140 are all electrically connected to the processing module 110 ; the device binding module 150 is electrically connected to the processing module 110 , and the account is encrypted The verification module 160 is electrically connected to the device binding module 150 .

The processing module 110 or the account verification module 160 can provide a web page through the user device, allowing the user to register as a trial member of the software product 200 . The registration process may include inputting a social security number (which can be used as a user account), inputting basic information (including a user password) and identity verification (eg, SMS OTP verification).

In addition, the system 100 for expanding the bank's digital financial customers is communicatively connected with the software product 200 , and the software product 200 is downloaded/installed by the user to a user device (not shown in the figure). The software product 200 can be used to provide digital financial services of banks, including but not limited to mobile payment, online shopping and credit card services.

When the user logs in the software product 200 on the user device for the first time, the account password verification module 160 will verify whether the account number and password input by the user are correct. If the account number and password are correct, the processing module 110 can notify the device binding module 150 to provide a user interface through the software product 200 to request the user to perform the process of device binding.

After the device binding is completed, the push module 120 sends the discount information to the software product 200 , and a push notification is displayed on the user's device. The discount information indicates where to enter the referral code in the App to obtain the discount, or Description You can click the "View Details" button in the push notification to directly link to the user interface for entering the referral code. After the user inputs the recommendation code, the recommendation code input and verification module 130 receives the recommendation code sent by the software product 200 and determines whether the recommendation code is valid. If the recommendation code is valid, the processing module 110 requires the point service module 140 to record the newly added points. After obtaining the points, subsequent users can use them in other services of the software product 200 .

After the user finishes inputting the above-mentioned recommendation code and obtains the point discount, the recommendation code input and verification module 130 can further provide a recommendation activity. In the recommendation activity, the recommendation code input and verification module 130 randomly generates a user-related recommendation code, and the user shares it with one or more recommendees through the software product 200 or not. The system 100 of the extended bank's digital financial customer can record the number of times the user's associated referral code is input and verified, and then the point service module 140 will issue additional point discounts to the user (referrer) according to the number of times . For example, the number of times the user-associated referral code is entered and verified is 10 points for 1 person, 40 points for 3 people, 150 points for 10 people, 150 points for 20 people Count 300 points.

100 : A system for expanding bank digital financial customers

110 : processing module

120 : push module

130 : recommendation code input and verification module

140 : Point service module

150 : device binding module

160 : account password verification module

200 :Software products

Figure 1 is a structural diagram of the system used to expand the bank's digital financial customers created by the present invention.

100 : A system for expanding bank digital financial customers

110 : processing module

120 : push module

130 : recommendation code input and verification module

140 : Point service module

150 : device binding module

160 : account password verification module

200 :Software products

Claims (10)

A system for expanding digital financial customers of a bank is connected with a software product in communication, and the system includes: a processing module; A push module, electrically connected to the processing module; A recommendation code input and verification module, electrically connected to the processing module; and A one-point service module is electrically connected to the processing module; Among them: when the user of the software product logs in for the first time, the push module sends a promotional information to the software product, the promotional information includes promotional information related to the referral code; the referral code input and verification module receives the sending of the software product a referral code, and determine whether the referral code is valid; if the referral code is valid, the point service module records the newly added points. According to claim 1, the system for expanding digital financial customers of a bank is connected in communication with a user device, wherein the software product is installed on the user device. The system for expanding digital financial customers of a bank as described in claim 1 further includes the software product, and the software product is communicatively connected with the processing module. The system for expanding bank digital financial customers as described in claim 1, which further includes: a device binding module electrically connected to the processing module; and An account password verification module is electrically connected with the device binding module. The system for expanding digital financial customers of banks as described in claim 4, wherein when the user of the software product logs in for the first time, the account password verification module verifies whether the entered account number and password are correct, and if they are correct, the The device binding mod requires device binding. In the system for extending bank digital financial customers as described in claim item 5, after the device binding is completed, the push module sends the preferential information to the software product. As described in claim 1, the system for expanding digital financial customers of banks, wherein the recommendation code input and verification module further provides a recommendation activity, and the recommendation activity records the number of times a user-associated recommendation code is input and verified, The point service module records additional points according to the number of times. The system for expanding digital financial customers of a bank as described in Claim 7, wherein the user-associated referral code is provided to one or more referees through the software product. The system for expanding digital financial customers of banks as described in claim 3, wherein the recommendation code input and verification module further provides a recommendation activity, and the recommendation activity records the number of times a user-associated recommendation code is input and verified, The point service module records additional points according to the number of times. The system for expanding digital financial customers of a bank as described in Claim 9, wherein the user-associated referral code is provided to one or more referees through the software product.

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