CN109003129B - Marketing method and system based on Internet of things financial block chain - Google Patents
Marketing method and system based on Internet of things financial block chainDownload PDFInfo
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Abstract
Translated fromChinese
Description
Technical Field
The invention relates to the field of computers, in particular to a marketing method and a marketing system based on a financial block chain of the Internet of things.
Background
Financial institutions (e.g., banks) often utilize marketing strategies to promote their products and thereby obtain customer data. At present, financial institutions often obtain corresponding alternative client sets by utilizing big data analysis, statistical analysis and expert decision making, and marketing is carried out by application and popularization of the financial institutions, external advertisements, manual processing of client managers and the like.
Currently, with the gradual development of block chains and internet of things technologies, great impact has been caused on financial circle technologies. At present, the main blockchain application exploration and practice are also developed around the financial field. In the financial field, the block chain technology has wide application prospects in the aspects of digital currency, payment clearing, intelligent contracts, financial transactions, Internet of things finance and the like. Typical applications include electronic currencies such as bitcoin, letelc, etc., more secure open distributed accounting systems, payment clearing systems, etc. The recently emerging second generation blockchain technologies, such as rayleigh (Ripple), Ethereum (Ethereum), etc., push blockchains to the application development stage.
According to the functional structure of the internet of things, the internet of things is generally divided into three-layer system structures, including a sensing layer, a network layer and an application layer. By means of data generated by the Internet of things, enterprises can provide dynamic and personalized intelligent services for clients. The essential difference between the services and the traditional after-sales services is that the data collected through the internet of things are used for analyzing and predicting the requirements of customers in a more dynamic and systematic manner in real time and continuously, the services are automatically optimized and adjusted according to the analysis result, and even the services can automatically adapt to the environment and make decisions autonomously, so that high personalized experience is brought to the customers. Financial informatization also appears in the financial field, and the largest change of the financial informatization is financial digitalization, including digitalization of financial services and fund flows, so that the article attributes and the value attributes of articles in the Internet of things are organically fused to realize the financial services of the Internet of things. The Internet of things provides massive and objective digital information for financial institutions, forms beneficial supplement with Internet data, transaction data and the like, performs cross validation, constructs a new four-flow-in-one mode, enables the financial institutions to obtain deeper and more three-dimensional insight to enterprises and supply chains, and can promote the objectivity of a credit system while improving the wind control level.
Under the financial application scene taking banks as the leading factor, the data processing and synchronization based on the financial alliance chain are superior to the block chain technology adopting the open internet in the aspects of cost, timeliness, safety and the like. At present, the most widely used bitcoin is based on the open internet block chain, the average transaction confirmation time exceeds 10 minutes, the confirmation of tens of thousands of common identification nodes is required for each transaction, the cost of each transaction exceeds $ 0.01, and the transaction cost is higher. Moreover, because the verifiers participating in the consensus are anonymous, the attack risk caused by the reason that some nodes appear in the collusion is not eliminated, so that the overall safety and timeliness are lower, and the cost is higher. In the current state of the financial industry, all organizations participating in information management and information exchange have a primary consensus trust foundation; and a financial alliance chain is adopted for bank data synchronization, and the nodes participating in verification are publicly and credibly. The processing of the data can be confirmed with only a few trusted, high-computing node verifications, and the transaction confirmation time can be optimized to the millisecond level. Compared with a public chain on the open Internet, the data synchronization based on the financial alliance chain is used, the transaction confirmation time of data operation can be greatly shortened, the consensus achievement time is relatively short, the transaction speed is higher, the efficiency is higher, and the cost is lower. The financial alliance chain is therefore better suited for data synchronization between a financial institution alliance and a related trusted institution.
Although the recommended products, customers and the like can be automatically obtained by using a big data analysis platform at present, in practical application, many specific marketing methods of customers still need to be carried out by customers coming to a website or a bank website for manual blind marketing, or customer managers can be used for home-going marketing and the like; when marketing using short messages, mails and the like, virus-type marketing cannot be performed due to the fact that supervision requirements and the like are involved, and therefore the existing marketing method of the bank is limited more, and good marketing effect cannot be achieved.
Disclosure of Invention
One of the technical problems to be solved by the invention is to provide a marketing method based on a golden block chain of the internet of things.
The invention realizes one of the technical problems as follows: a marketing method based on an Internet of things financial block chain comprises the following steps:
step S1, two independent operation block chains are established in the network architecture among the block chain participants, including an advertisement chain and a client chain;
step S2, an advertisement chain account book is established on the advertisement chain, and a customer chain account book is established on the customer chain;
step S3, establishing an advertisement total account by the initiator of the financial block chain alliance, storing the advertisement total account in the account of the initiator of the financial block chain alliance, and simultaneously carrying out advertisement total delivery;
and step S4, utilizing the combination of the Internet of things and the established blockchain to carry out targeted customer marketing or open customer marketing.
Further, in the step S2, the customer chain ledger includes at least customer basic information, digital rights and interests, customer privacy disclosure requirements, customer information usage and encrypted bank product recommendation catalog set;
the advertisement chain account book at least comprises advertisement putting time, advertisement putting products, an advertisement putting score plan and advertisement fitting business decision rules.
Further, in step S3, the advertisement reward placement specifically includes the following steps:
step S31, the advertiser sets its own advertisement plan in the advertisement management system, the advertisement plan at least includes advertisement putting time, advertisement putting product and advertisement suitable service decision rule;
step S32, the advertiser fills in its own score plan in the advertisement management system, the score plan at least includes total score, merchant recommend advertisement to succeed in getting score and customer use and get score; meanwhile, transferring the amount corresponding to the total points to an advertisement point total account through a fund clearing network;
step S33, after receiving the amount corresponding to the total points, the financial block chain alliance sponsor uploads the corresponding advertisement information to the advertisement chain according to the advertisement plan and the point plan set by the advertiser and waits for consensus;
and step S34, after the consensus is successful, the fused block chain alliance initiator informs the advertiser of the consensus confirmation information.
Further, in the step S4, the targeted customer marketing specifically includes bank-side marketing and merchant-side marketing;
the bank side marketing specifically comprises:
step A1, the bank calculates the customer recommended product by using big data, encrypts the calculated customer recommended product by using the public key of the bank, and stores the encrypted customer recommended product to a customer chain for consensus;
a2, after the mobile phone of the client accesses the wifi network of the bank website, the mobile phone bank app automatically starts LBS detection; after the intelligent terminal of the bank acquires that the client enters a bank outlet by using LBS service, the intelligent terminal automatically establishes communication connection with the mobile banking app;
step A3, the mobile banking app sends a client number ID of the mobile banking app to an intelligent terminal of a bank, and the intelligent terminal of the bank enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the bank decrypts by using the private key of the bank to obtain the recommended product catalog of the customer;
step A4, comparing the recommended products in the obtained recommended product catalog with the customer marketing strategy of the bank website, pushing the recommended product catalog information conforming to the customer to the mobile phone bank app according to the comparison result, and pushing the recommended product catalog information of the customer to the marketing terminal of the lobby manager;
step A5, the bank back-end server communicates with the mobile phone bank app, and when the bank back-end server monitors that the service of the recommended product is opened, the opened recommended product is marked as recommended in the corresponding recommended product catalog and is stored in the client chain for consensus;
the merchant-side marketing specifically comprises:
step B1, after the mobile phone of the customer is accessed to the wifi network of the business circle merchant or the iBeacon is used for accessing to the merchant network, the mobile phone bank app automatically starts LBS detection; the intelligent terminal of the merchant acquires a customer close to the intelligent terminal by using LBS service, and establishes communication connection with the mobile banking app of the customer;
step B2, the mobile banking app sends the customer number ID of the merchant to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a customer chain according to the customer number ID to acquire corresponding customer public information; the intelligent terminal of the merchant decrypts by using a private key of a bank to which the intelligent terminal belongs, acquires a recommended product catalog of the customer, and pushes recommended products contained in the merchant and product catalog information of bank recommended products required by transaction of the merchant to a mobile phone bank app;
step B3, after the customer carries out the recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server carry out communication accounting, and after the accounting is successful, the successful recommending result is returned to the mobile phone bank app of the customer; and meanwhile, the bank back-end server marks the opened recommended products as recommended products in the corresponding recommended product catalog and stores the recommended products in the client chain for consensus.
Further, in the step S4, the open customer marketing specifically includes:
step P1, after the mobile phone of the customer is accessed to the wifi network of the business circle merchant or the iBeacon is used for accessing to the merchant network, the mobile phone bank app automatically starts LBS detection; the intelligent terminal of the merchant acquires a customer close to the intelligent terminal by using LBS service, and establishes communication connection with the mobile banking app of the customer;
step P2, the mobile banking app sends the customer number ID of the merchant to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a customer chain according to the customer number ID to acquire corresponding customer public information; meanwhile, the intelligent terminal of the merchant acquires corresponding merchant recommended products and bank recommended products from the advertisement chain according to the merchant ID and the alliance bank ID;
step P3, after acquiring the merchant recommended product and the bank recommended product, the intelligent terminal of the merchant calculates the merchant product or the bank product suitable for the customer according to the advertisement in the advertisement chain and the service decision rule, and the merchant recommends the product;
step P4, after the customer conducts the recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server conduct communication accounting, and after the accounting is successful, the successful recommending result is returned to the mobile phone bank app of the customer;
and step P5, the intelligent terminal of the merchant increases the point interest recommended by the merchant according to the point plan in the advertisement chain, increases the point interest for the customer to pay and open the recommended product, reduces the total point of the advertiser, and stores the total point in the advertisement chain for consensus.
The second technical problem to be solved by the invention is to provide a marketing system based on the Internet of things financial block chain, and the marketing system establishes oriented client marketing and open client marketing by directly utilizing the block chain among the Internet of things devices, so that actual marketing becomes more accurate, convenient and effective.
The invention realizes the second technical problem in the following way: a marketing system based on an Internet of things financial block chain comprises a block chain construction module, an account book construction module, a point releasing module and a marketing module;
the block chain building module is used for building two independently-operated block chains in a network architecture among block chain participants, wherein the two independently-operated block chains comprise an advertisement chain and a client chain;
the account book establishing module is used for establishing an advertisement chain account book on an advertisement chain and establishing a customer chain account book on a customer chain;
the credit putting module is used for establishing an advertisement credit general ledger by the initiator of the financial block chain alliance, storing the advertisement credit general ledger in an account of the initiator of the financial block chain alliance and putting advertisement credits;
and the marketing module is used for carrying out targeted customer marketing or open customer marketing by utilizing the combination of the Internet of things and the established block chain.
Further, in the account book establishing module, the customer chain account book at least comprises customer basic information, digital rights and interests, customer privacy and public requirements, customer information use conditions and an encrypted bank product recommendation directory set;
the advertisement chain account book at least comprises advertisement putting time, advertisement putting products, an advertisement putting score plan and advertisement fitting business decision rules.
Further, in the point delivery module, the advertisement point delivery specifically includes an advertisement plan setting unit, a point plan setting unit, an advertisement information consensus unit, and a consensus informing unit;
the advertisement plan setting unit is used for setting an advertisement plan of an advertiser in an advertisement management system, wherein the advertisement plan at least comprises advertisement putting time, advertisement putting products and advertisement fitting business decision rules;
the point plan setting unit is used for filling a point plan of an advertiser in an advertisement management system, wherein the point plan at least comprises total points, successful point acquisition of commercial tenant recommended advertisements and point acquisition of customers; meanwhile, transferring the amount corresponding to the total points to an advertisement point total account through a fund clearing network;
the advertisement information consensus unit is used for uploading corresponding advertisement information to an advertisement chain according to an advertisement plan and a point plan set by an advertiser after the financial block chain alliance initiator receives the amount corresponding to the total points, and waiting for consensus;
and the consensus informing unit is used for informing the originator of the financial block chain alliance of consensus confirmation information to the advertiser after the consensus is successful.
Further, in the marketing module, the targeted customer marketing specifically includes bank-side marketing and merchant-side marketing;
the bank-side marketing specifically comprises a recommended product consensus unit, a first communication unit, a product catalog acquisition unit, a catalog information pushing unit and a first consensus unit;
the recommended product consensus unit is used for calculating the customer recommended products by the bank through the big data, encrypting the calculated customer recommended products through a public key of the bank, and storing the encrypted customer recommended products to a customer chain for consensus;
the first communication unit is used for automatically starting LBS detection by the mobile phone bank app after the mobile phone of the client accesses the wifi network of the bank website; after the intelligent terminal of the bank acquires that the client enters a bank outlet by using LBS service, the intelligent terminal automatically establishes communication connection with the mobile banking app;
the product catalog acquisition unit is used for sending a client number ID of the product catalog acquisition unit to an intelligent terminal of a bank by the mobile banking app, and the intelligent terminal of the bank enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the bank decrypts by using the private key of the bank to obtain the recommended product catalog of the customer;
the catalog information pushing unit is used for comparing the recommended products in the obtained recommended product catalog with the customer marketing strategies of the self websites of the bank, pushing the recommended product catalog information which accords with the customer to mobile phone bank apps according to the comparison result, and pushing the recommended product catalog information of the customer to the marketing terminal of the hall manager;
the first consensus unit is used for the bank back-end server to communicate with the mobile phone bank app, and when the bank back-end server monitors that the service of the recommended product is opened, the opened recommended product is marked as recommended in the corresponding recommended product catalog and is stored in the client chain for consensus;
the merchant terminal marketing specifically comprises a second communication unit, a merchant pushing unit and a second consensus unit;
the second communication unit is used for automatically starting LBS detection by the mobile banking app after the mobile phone of the customer is accessed to the wifi network of the business district merchant or the iBeacon is used for accessing to the merchant network; the intelligent terminal of the merchant acquires a customer close to the intelligent terminal by using LBS service, and establishes communication connection with the mobile banking app of the customer;
the merchant pushing unit is used for sending a client number ID of the merchant to the intelligent terminal of the merchant by the mobile banking app, and the intelligent terminal of the merchant enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the merchant decrypts by using a private key of a bank to which the intelligent terminal belongs, acquires a recommended product catalog of the customer, and pushes recommended products contained in the merchant and product catalog information of bank recommended products required by transaction of the merchant to a mobile phone bank app;
the second consensus unit is used for the customer to perform recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server perform communication accounting, and after the accounting is successful, a successful recommending result is returned to the mobile phone bank app of the customer; and meanwhile, the bank back-end server marks the opened recommended products as recommended products in the corresponding recommended product catalog and stores the recommended products in the client chain for consensus.
Further, in the marketing module, the open client marketing specifically comprises a third communication unit, a recommended product acquisition unit, a product recommendation unit, an accounting unit and a third consensus unit;
the third communication unit is used for automatically starting LBS detection by the mobile phone bank app after the mobile phone of the customer is accessed to the wifi network of the business district merchant or the iBeacon is used for accessing to the merchant network; the intelligent terminal of the merchant acquires a customer close to the intelligent terminal by using LBS service, and establishes communication connection with the mobile banking app of the customer;
the recommended product acquisition unit is used for sending a client number ID of the mobile banking app to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a client chain according to the client number ID to acquire corresponding client public information; meanwhile, the intelligent terminal of the merchant acquires corresponding merchant recommended products and bank recommended products from the advertisement chain according to the merchant ID and the alliance bank ID;
the product recommendation unit is used for calculating a merchant product or a bank product suitable for the customer according to an advertisement adaptation business decision rule in an advertisement chain by the intelligent terminal of the merchant after acquiring the merchant recommended product and the bank recommended product, and recommending the product by the merchant;
the accounting unit is used for the communication accounting of the intelligent terminal of the merchant and the bank back-end server after the customer carries out the recommended product transaction on the intelligent terminal of the merchant, and returning the successful recommending result to the mobile phone bank app of the customer after the accounting is successful;
and the third consensus unit is used for the intelligent terminal of the merchant to increase the point interest recommended by the merchant according to the point plan in the advertisement chain, increase the point interest for the customer to pay and open the recommended product, reduce the total point of the advertiser, and store the total point in the advertisement chain for consensus.
The invention has the following advantages: 1. a double-chain mixed-matched type financial block chain with coexisting and intercommunicating advertisement chains and client chains is designed, so that data sharing under a heterogeneous network can be well realized, wherein the data sharing comprises client information, recommended product information and the like; 2. the block chain is directly utilized to establish the oriented client marketing and the open client marketing among the Internet of things devices, so that the actual marketing becomes more accurate, convenient and effective; 3. by the designed advertisement point putting mode, each advertisement marketing expense can be consumed and used really, and events such as 'bedding wool' and the like can be prevented; 4. after the recommended product information generated by the bank aiming at the customer enters the block chain, the data can be unlocked and corresponding marketing operation can be carried out only by the commercial tenant and the bank terminal equipment of the self alliance through the related private key, and the data safety can be effectively ensured.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
Fig. 1 is a diagram of a network structure relating to the present invention.
Fig. 2 is an execution flow chart of the marketing method based on the internet of things financial block chain of the present invention.
Detailed Description
Referring to fig. 1 and 2, the marketing method based on the internet of things financial block chain according to the preferred embodiment of the present invention includes the following steps:
step S1, two independent operation block chains are established in the network architecture among the block chain participants (including banks, merchants, supervision departments, and the like), wherein each block chain comprises an advertisement chain and a customer chain; in specific implementation, intelligent devices of different banks, merchants, mobile banking apps of customers, merchant outlets and the like can be accessed into the advertisement chain and the customer chain; for a client chain, as for the client information privacy, the participants also comprise an administrative department and a supervision department, and the client chain mainly utilizes the traceability of the blockchain to track the use condition of the client information; for the advertisement chain, when the points are charged for the advertisement plan, the merchant can deduct the related amount from the corresponding bank account according to the protocol with the bank and convert the related amount into the advertisement points according to a certain proportion; the fund clearing network is used as a transaction network of entity funds among banks, realizes fund clearing among the cross-banks and provides a fund basis for point recharging.
Step S2, an advertisement chain account book is established on the advertisement chain, and a customer chain account book is established on the customer chain;
in the step S2, the customer chain ledger includes at least customer basic information, digital rights and interests, customer privacy disclosure requirements, customer information usage and encrypted bank product recommendation catalog set; the basic information of the client stores basic data of the client, such as an identity card number, a full-chain uniform client number and the like; the digital interest is virtual fund which circulates in the block chain, for example, advertisement points which are obtained after a client browses and applies an advertisement product are one of the digital interests; the customer privacy disclosure requirement is the requirement for the information disclosure of the customer in the actual application according to the account opening of the customer, and the bank and the merchant terminal cannot be used for marketing calculation for the information which is unwilling to be disclosed; the customer information use condition is used for recording the use condition of customer information analyzed by data of different banks and merchants, and can be conveniently tracked by administrative departments, supervision departments and customers; the bank product recommendation catalog set is calculated by different banks according to internal marketing systems of the banks, so that a product recommendation catalog of a bank suitable for a corresponding customer is obtained, a public key agreed by the bank and a merchant is encrypted and then linked up, and the data can be unlocked only by the merchant of the own alliance and the bank terminal equipment through a related private key and corresponding marketing operation is carried out.
The advertisement chain account book at least comprises advertisement putting time, advertisement putting products, an advertisement putting score plan and advertisement fitting business decision rules. In specific implementation, a bank and a merchant can store a product and service advertisement plan of the bank and the merchant into an advertisement chain account book according to self service and marketing needs; certainly, the advertisement chain account book includes not only basic advertisement delivery time, products and point plans (i.e. advertisement browsing, point reward plans given to merchants and customers after actually generating traffic or consuming, and a repudiation plan of point purchasing marketing products), but also advertisement suitability business decision rules, and the advertisement suitability business decision rules are mainly used for calculating to which type of customers the advertisement is suitable for recommending.
And step S3, establishing an advertisement total account by the initiator of the financial block chain alliance, storing the advertisement total account in the account of the initiator of the financial block chain alliance, and simultaneously carrying out advertisement point putting.
In step S3, the advertisement bonus placement specifically includes the following steps:
step S31, an advertiser (such as a bank and a merchant) sets an advertisement plan of the advertiser in an advertisement management system, wherein the advertisement plan at least comprises advertisement putting time, advertisement putting products and advertisement fitting business decision rules; the advertisement fitting business decision rule is based on the client information attribute, AND an actual rule formula is given, for example, "the client in the last month has an OR for successful submission, AND the last 12 months, no submission record in each month, OR the original credit card amount of the client is more than 20 ten thousand OR the client submission is more than 10 ten thousand OR (the last three months, the credit card has more than 3 times of cash transaction AND the credit card client uses the cyclic credit line for the first time) — POS consumption purchases iPhone 9.8 folds.
Step S32, the advertiser fills in its own score plan in the advertisement management system, the score plan at least includes total score (for example, set total score to be 5 ten thousand), merchant recommend advertisement successfully obtain score (for example, set merchant recommend advertisement successfully obtain score to be 20), and customer use obtain score (for example, set customer use obtain score to be 10); meanwhile, transferring the amount corresponding to the total points to an advertisement point total account through a fund clearing network;
step S33, after receiving the amount corresponding to the total points, the financial block chain alliance sponsor uploads the corresponding advertisement information to the advertisement chain according to the advertisement plan and the point plan set by the advertiser and waits for consensus;
and step S34, after the consensus is successful, the fused block chain alliance initiator informs the advertiser of the consensus confirmation information.
Of course, in the implementation, the advertising points can also be used for the customer to carry out the money deduction activity according to the advertising points when purchasing some kind of marketing service.
And step S4, utilizing the combination of the Internet of things and the established blockchain to carry out targeted customer marketing or open customer marketing.
In the step S4, the targeted customer marketing specifically includes bank-side marketing and merchant-side marketing;
the so-called targeted customer marketing is that a bank calculates a product suitable for a specific customer, and then the bank and a merchant promote and market. For each bank, marketing calculation of customers can be realized at night by using platforms such as big data and the like, a suitable recommended product is calculated by using a coordination filtering algorithm and the like, and then bank scene marketing is realized by using the Internet of things.
The bank side marketing specifically comprises:
step A1, the bank calculates the customer recommended product by using big data, encrypts the calculated customer recommended product by using the public key of the bank, and stores the encrypted customer recommended product to a customer chain for consensus;
a2, after the mobile phone of the client accesses the wifi network of the bank website, the mobile phone bank app automatically starts LBS detection; after an intelligent terminal (such as an intelligent number calling machine, a client terminal iPAD and the like) of a bank acquires that a client enters a bank outlet by using LBS service, communication connection is automatically established with a mobile phone bank app;
step A3, the mobile banking app sends a client number ID of the mobile banking app to an intelligent terminal of a bank, and the intelligent terminal of the bank enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the bank decrypts by using the private key of the bank to obtain the recommended product catalog of the customer;
step A4, comparing the recommended products in the obtained recommended product catalog with the customer marketing strategy of the bank website, pushing the recommended product catalog information conforming to the customer to the mobile phone bank app according to the comparison result (certainly, if the recommended product catalog information does not conform to the customer, pushing is not needed), and meanwhile pushing the recommended product catalog information of the customer to the marketing terminal of the lobby manager;
during specific implementation, after receiving prompt information of the mobile phone bank app, a customer can open the mobile phone bank app to read related product information, and if the customer confirms to purchase some product services on the mobile phone bank app, the customer enters an actual purchase process; after receiving the marketing information of the marketing terminal, the lobby manager can go to the client for on-the-spot marketing.
Step A5, the bank back-end server communicates with the mobile phone bank app, when the bank back-end server monitors that the service of the recommended product is opened, the opened recommended product is marked as recommended in the corresponding recommended product catalog and is stored in the customer chain for consensus, so that repeated recommendation of other websites or merchants is prevented;
the merchant-side marketing specifically comprises:
step B1, after the mobile phone of the customer is accessed to the wifi network of the business circle merchant or the iBeacon is used for accessing to the merchant network, the mobile phone bank app automatically starts LBS detection; an intelligent terminal (such as an intelligent camera, a wireless POS machine, a terminal computer and the like) of a merchant acquires a customer close to the merchant by using LBS service, and establishes communication connection with a mobile banking app of the customer;
step B2, the mobile banking app sends the customer number ID of the merchant to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a customer chain according to the customer number ID to acquire corresponding customer public information; the intelligent terminal of the merchant decrypts by using a private key of a bank to which the intelligent terminal belongs, acquires a recommended product catalog of the customer, and pushes the recommended products contained in the merchant and product catalog information of bank recommended products (such as cloud flash payment opening) required by transaction of the merchant to a mobile phone bank app; therefore, after receiving the prompt message of the mobile phone bank app, the customer can open the mobile phone bank app to read related products;
step B3, after the customer carries out the recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server carry out communication accounting, and after the accounting is successful, the successful recommending result is returned to the mobile phone bank app of the customer; meanwhile, the bank back-end server marks the opened recommended products as recommended in the corresponding recommended product catalog and stores the recommended products in the customer chain for consensus so as to prevent other merchants from repeatedly recommending.
In the step S4, the open customer marketing refers to recommending through business rules, and is mainly directed to the merchant, and the marketed products include products that the merchant needs to recommend and product data of the alliance bank. The open customer marketing specifically comprises:
step P1, after the mobile phone of the customer is accessed to the wifi network of the business circle merchant or the iBeacon is used for accessing to the merchant network, the mobile phone bank app automatically starts LBS detection; an intelligent terminal (such as an intelligent camera, a wireless POS machine, a terminal computer and the like) of a merchant acquires a customer close to the merchant by using LBS service, and establishes communication connection with a mobile banking app of the customer;
step P2, the mobile banking app sends the customer number ID of the merchant to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a customer chain according to the customer number ID to acquire corresponding customer public information; meanwhile, the intelligent terminal of the merchant acquires corresponding merchant recommended products and bank recommended products from the advertisement chain according to the merchant ID and the alliance bank ID;
step P3, after acquiring the merchant recommended product and the bank recommended product, the intelligent terminal of the merchant calculates the merchant product or the bank product suitable for the customer according to the advertisement in the advertisement chain and the service decision rule, and the merchant recommends the product;
step P4, after the customer conducts the recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server conduct communication accounting, and after the accounting is successful, the successful recommending result is returned to the mobile phone bank app of the customer;
step P5, the intelligent terminal of the merchant increases the point interest (the sum of the points successfully obtained by the merchant recommending the advertisement) recommended by the merchant according to the point plan in the advertisement chain, increases the point interest (the points obtained by the customer) for the customer to pay and open the recommended product, reduces the total points of the advertiser, and stores the total points in the advertisement chain for consensus; of course, in the specific implementation, if the consensus is successful, the process is ended; if the consensus fails, the wrong account needs to be recorded so as to facilitate manual adjustment.
Referring to fig. 1, the marketing system according to the preferred embodiment of the invention includes a block chain construction module, an account book construction module, a point delivery module and a marketing module;
the block chain building module is used for building two independently-operated block chains in a network architecture among block chain participants (including banks, merchants, supervision departments and the like), wherein the two independently-operated block chains comprise an advertisement chain and a customer chain; in specific implementation, intelligent devices of different banks, merchants, mobile banking apps of customers, merchant outlets and the like can be accessed into the advertisement chain and the customer chain; for a client chain, as for the client information privacy, the participants also comprise an administrative department and a supervision department, and the client chain mainly utilizes the traceability of the blockchain to track the use condition of the client information; for the advertisement chain, when the points are charged for the advertisement plan, the merchant can deduct the related amount from the corresponding bank account according to the protocol with the bank and convert the related amount into the advertisement points according to a certain proportion; the fund clearing network is used as a transaction network of entity funds among banks, realizes fund clearing among the cross-banks and provides a fund basis for point recharging.
The account book establishing module is used for establishing an advertisement chain account book on an advertisement chain and establishing a customer chain account book on a customer chain;
in the account book establishing module, the customer chain account book at least comprises customer basic information, digital rights and interests, customer privacy and public requirements, customer information use conditions and an encrypted bank product recommendation directory set; the basic information of the client stores basic data of the client, such as an identity card number, a full-chain uniform client number and the like; the digital interest is virtual fund which circulates in the block chain, for example, advertisement points which are obtained after a client browses and applies an advertisement product are one of the digital interests; the customer privacy disclosure requirement is the requirement for the information disclosure of the customer in the actual application according to the account opening of the customer, and the bank and the merchant terminal cannot be used for marketing calculation for the information which is unwilling to be disclosed; the customer information use condition is used for recording the use condition of customer information analyzed by data of different banks and merchants, and can be conveniently tracked by administrative departments, supervision departments and customers; the bank product recommendation catalog set is calculated by different banks according to internal marketing systems of the banks, so that a product recommendation catalog of a bank suitable for a corresponding customer is obtained, a public key agreed by the bank and a merchant is encrypted and then linked up, and the data can be unlocked only by the merchant of the own alliance and the bank terminal equipment through a related private key and corresponding marketing operation is carried out.
The advertisement chain account book at least comprises advertisement putting time, advertisement putting products, an advertisement putting score plan and advertisement fitting business decision rules. In specific implementation, a bank and a merchant can store a product and service advertisement plan of the bank and the merchant into an advertisement chain account book according to self service and marketing needs; certainly, the advertisement chain account book includes not only basic advertisement delivery time, products and point plans (i.e. advertisement browsing, point reward plans given to merchants and customers after actually generating traffic or consuming, and a repudiation plan of point purchasing marketing products), but also advertisement suitability business decision rules, and the advertisement suitability business decision rules are mainly used for calculating to which type of customers the advertisement is suitable for recommending.
And the point delivery module is used for establishing an advertisement point general ledger by the initiator of the financial block chain union, storing the advertisement point general ledger in an account of the initiator of the financial block chain union and delivering the advertisement points.
In the point putting module, the advertisement point putting specifically comprises an advertisement plan setting unit, a point plan setting unit, an advertisement information consensus unit and a consensus informing unit;
the advertisement plan setting unit is used for setting an advertisement plan of an advertiser (such as a bank and a merchant) in an advertisement management system, wherein the advertisement plan at least comprises advertisement putting time, advertisement putting products and advertisement fitting business decision rules; the advertisement fitting business decision rule is based on the client information attribute, AND an actual rule formula is given, for example, "the client in the last month has an OR for successful submission, AND the last 12 months, no submission record in each month, OR the original credit card amount of the client is more than 20 ten thousand OR the client submission is more than 10 ten thousand OR (the last three months, the credit card has more than 3 times of cash transaction AND the credit card client uses the cyclic credit line for the first time) — POS consumption purchases iPhone 9.8 folds.
The point plan setting unit is used for filling a point plan of an advertiser in an advertisement management system, wherein the point plan at least comprises a total point (for example, the total point is set to be 5 ten thousand), a merchant recommending advertisement successfully obtaining point (for example, the merchant recommending advertisement successfully obtaining point is set to be 20) and a customer using obtaining point (for example, the customer using obtaining point is set to be 10); meanwhile, transferring the amount corresponding to the total points to an advertisement point total account through a fund clearing network;
the advertisement information consensus unit is used for uploading corresponding advertisement information to an advertisement chain according to an advertisement plan and a point plan set by an advertiser after the financial block chain alliance initiator receives the amount corresponding to the total points, and waiting for consensus;
and the consensus informing unit is used for informing the originator of the financial block chain alliance of consensus confirmation information to the advertiser after the consensus is successful.
Of course, in the implementation, the advertising points can also be used for the customer to carry out the money deduction activity according to the advertising points when purchasing some kind of marketing service.
And the marketing module is used for carrying out targeted customer marketing or open customer marketing by utilizing the combination of the Internet of things and the established block chain.
In the marketing module, the targeted customer marketing specifically comprises bank-side marketing and merchant-side marketing;
the so-called targeted customer marketing is that a bank calculates a product suitable for a specific customer, and then the bank and a merchant promote and market. For each bank, marketing calculation of customers can be realized at night by using platforms such as big data and the like, a suitable recommended product is calculated by using a coordination filtering algorithm and the like, and then bank scene marketing is realized by using the Internet of things.
The bank-side marketing specifically comprises a recommended product consensus unit, a first communication unit, a product catalog acquisition unit, a catalog information pushing unit and a first consensus unit;
the recommended product consensus unit is used for calculating the customer recommended products by the bank through the big data, encrypting the calculated customer recommended products through a public key of the bank, and storing the encrypted customer recommended products to a customer chain for consensus;
the first communication unit is used for automatically starting LBS detection by the mobile phone bank app after the mobile phone of the client accesses the wifi network of the bank website; after an intelligent terminal (such as an intelligent number calling machine, a client terminal iPAD and the like) of a bank acquires that a client enters a bank outlet by using LBS service, communication connection is automatically established with a mobile phone bank app;
the product catalog acquisition unit is used for sending a client number ID of the product catalog acquisition unit to an intelligent terminal of a bank by the mobile banking app, and the intelligent terminal of the bank enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the bank decrypts by using the private key of the bank to obtain the recommended product catalog of the customer;
the catalog information pushing unit is used for comparing the recommended products in the obtained recommended product catalog with the customer marketing strategy of the bank website, pushing the recommended product catalog information conforming to the customer to the mobile phone bank app according to the comparison result (certainly, if the recommended product catalog information does not conform to the customer, pushing is not needed), and meanwhile pushing the recommended product catalog information of the customer to the marketing terminal of the lobby manager;
during specific implementation, after receiving prompt information of the mobile phone bank app, a customer can open the mobile phone bank app to read related product information, and if the customer confirms to purchase some product services on the mobile phone bank app, the customer enters an actual purchase process; after receiving the marketing information of the marketing terminal, the lobby manager can go to the client for on-the-spot marketing.
The first consensus unit is used for the bank back-end server to communicate with the mobile phone bank app, and when the bank back-end server monitors that the service of the recommended product is opened, the opened recommended product is marked as recommended in the corresponding recommended product catalog and is stored in the customer chain for consensus so as to prevent other websites or merchants from repeatedly recommending;
the merchant terminal marketing specifically comprises a second communication unit, a merchant pushing unit and a second consensus unit;
the second communication unit is used for automatically starting LBS detection by the mobile banking app after the mobile phone of the customer is accessed to the wifi network of the business district merchant or the iBeacon is used for accessing to the merchant network; an intelligent terminal (such as an intelligent camera, a wireless POS machine, a terminal computer and the like) of a merchant acquires a customer close to the merchant by using LBS service, and establishes communication connection with a mobile banking app of the customer;
the merchant pushing unit is used for sending a client number ID of the merchant to the intelligent terminal of the merchant by the mobile banking app, and the intelligent terminal of the merchant enters a client chain according to the client number ID to acquire corresponding client public information; the intelligent terminal of the merchant decrypts by using a private key of a bank to which the intelligent terminal belongs, acquires a recommended product catalog of the customer, and pushes the recommended products contained in the merchant and product catalog information of bank recommended products (such as cloud flash payment opening) required by transaction of the merchant to a mobile phone bank app; therefore, after receiving the prompt message of the mobile phone bank app, the customer can open the mobile phone bank app to read related products;
the second consensus unit is used for the customer to perform recommended product transaction on the intelligent terminal of the merchant, the intelligent terminal of the merchant and the bank back-end server perform communication accounting, and after the accounting is successful, a successful recommending result is returned to the mobile phone bank app of the customer; meanwhile, the bank back-end server marks the opened recommended products as recommended in the corresponding recommended product catalog and stores the recommended products in the customer chain for consensus so as to prevent other merchants from repeatedly recommending.
In the marketing module, the open customer marketing refers to recommending through business rules, and mainly faces to a merchant end, and the marketed products comprise products required to be recommended by merchants and product data of an alliance bank. The open type customer marketing specifically comprises a third communication unit, a recommended product acquisition unit, a product recommendation unit, an accounting unit and a third consensus unit;
the third communication unit is used for automatically starting LBS detection by the mobile phone bank app after the mobile phone of the customer is accessed to the wifi network of the business district merchant or the iBeacon is used for accessing to the merchant network; an intelligent terminal (such as an intelligent camera, a wireless POS machine, a terminal computer and the like) of a merchant acquires a customer close to the merchant by using LBS service, and establishes communication connection with a mobile banking app of the customer;
the recommended product acquisition unit is used for sending a client number ID of the mobile banking app to the intelligent terminal of the merchant, and the intelligent terminal of the merchant enters a client chain according to the client number ID to acquire corresponding client public information; meanwhile, the intelligent terminal of the merchant acquires corresponding merchant recommended products and bank recommended products from the advertisement chain according to the merchant ID and the alliance bank ID;
the product recommendation unit is used for calculating a merchant product or a bank product suitable for the customer according to an advertisement adaptation business decision rule in an advertisement chain by the intelligent terminal of the merchant after acquiring the merchant recommended product and the bank recommended product, and recommending the product by the merchant;
the accounting unit is used for the communication accounting of the intelligent terminal of the merchant and the bank back-end server after the customer carries out the recommended product transaction on the intelligent terminal of the merchant, and returning the successful recommending result to the mobile phone bank app of the customer after the accounting is successful;
the third consensus unit is used for the intelligent terminal of the merchant to increase the point interest (the sum of points successfully obtained by recommending advertisements by the merchant) recommended by the merchant according to the point plan in the advertisement chain, increase the point interest (the points obtained by using the customers) for opening recommended products paid by the customers, reduce the total points of the advertiser and store the total points in the advertisement chain for consensus; of course, in the specific implementation, if the consensus is successful, the process is ended; if the consensus fails, the wrong account needs to be recorded so as to facilitate manual adjustment.
In conclusion, the invention has the advantages that: 1. a double-chain mixed-matched type financial block chain with coexisting and intercommunicating advertisement chains and client chains is designed, so that data sharing under a heterogeneous network can be well realized, wherein the data sharing comprises client information, recommended product information and the like; 2. the block chain is directly utilized to establish the oriented client marketing and the open client marketing among the Internet of things devices, so that the actual marketing becomes more accurate, convenient and effective; 3. by the designed advertisement point putting mode, each advertisement marketing expense can be consumed and used really, and events such as 'bedding wool' and the like can be prevented; 4. after the recommended product information generated by the bank aiming at the customer enters the block chain, the data can be unlocked and corresponding marketing operation can be carried out only by the commercial tenant and the bank terminal equipment of the self alliance through the related private key, and the data safety can be effectively ensured.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
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