TW202529014A - Guiding referral system for digital application platform and method thereof - Google Patents

Abstract

A guiding referral system for digital application platform and method thereof is disclosed. By deploying a server to provide a digital application platform service and receiving an identity information input from a client, the server generates a verification code and transmits it upon confirming the accuracy of the identity information based on a verification logic. Upon confirming the input of the same verification code on the client, multiple business items and digital membership application options are displayed for selection. Wherein, the digital membership application options are conspicuously presented to guide the client for selecting, facilitating the application for digital membership. The mechanism is help to improve the functionality of the digital application platform.

Description

Digital application platform guidance and referral system and method

The present invention relates to a guidance and referral system and method, and in particular to a guidance and referral system and method for a digital application platform.

In recent years, with the increasing popularity and rapid development of the internet, various web-based applications have sprung up like mushrooms after rain. For example, banks provide digital application platforms for online account opening services.

Generally speaking, traditional banks' digital application platforms simply provide services for applying for traditional banking services. However, with the rapid advancement of technology, traditional digital application platforms have gradually failed to meet users' demands for innovation, change, and even diversification. In other words, traditional digital application platforms suffer from the problem of single functionality. In addition, users may not be aware that applying for a digital membership will provide them with more benefits. Therefore, it is urgent to integrate a method to guide users to apply for a digital membership within the digital application platform. This will facilitate users to apply for a digital membership at the same time as opening an account, thereby obtaining more benefits and avoiding the hassle and inconvenience of applying for a digital membership later.

In summary, it can be seen that the previous technology has long suffered from the single functionality of digital application platforms. Therefore, it is necessary to propose improved technical means to solve this problem.

The present invention discloses a guidance and referral system for a digital application platform and a method thereof.

First, the present invention discloses a digital application platform referral system. This system comprises a database server and a server-side device. The database server stores multiple application records, each of which includes a review result. The server-side device provides digital application platform services and is connected to the database server via a network. The server-side device comprises a non-transitory computer-readable storage medium and a hardware processor. The non-transitory computer-readable storage medium is used to store a plurality of computer-readable instructions; the hardware processor is electrically connected to the non-transitory computer-readable storage medium to execute the plurality of computer-readable instructions, so that the server device executes: receiving identity information input by the client device, the identity information at least including a mobile phone number; verifying the correctness of the identity information according to the check logic, and when it is correct, generating a verification code and transmitting it to the mobile phone number, and after confirming that the client device has entered the same verification code, displaying a plurality of business items and digital membership application items for the client device to select, wherein the digital membership application items are displayed in a conspicuous manner Display, used to guide the client device to select a digital membership application item to apply for digital membership; detect whether the client device selects the digital membership application item, and if so, transmit digital membership preferential information to the client device; execute the application process, which allows the client device to create application information and store the created application information to the database server for review and activation of online banking and mobile banking; and continuously detect the review result of the application information. When the review result is passed, automatically notify the client device by at least one of text message and email based on the mobile phone number and email address recorded in the application information.

In addition, the present invention also discloses a method for guiding referrals of a digital application platform, the steps of which include: connecting a database server and a server device via a network, wherein the database server stores a plurality of application data, each application data including an audit result, and the server device provides a digital application platform service; the server device receives identity information input by a client device, wherein the identity information includes a mobile phone number; the server device verifies the correctness of the identity information based on the verification logic, and when it is correct, generates a verification code and transmits it to the mobile phone number, and after confirming that the client device enters the same verification code, displays a plurality of business items and digital membership application items for the client device to select, wherein the digital membership The digital membership application item is displayed in a prominent manner to guide the client device to select the digital membership application item to apply for digital membership; the server device detects whether the client device selects the digital membership application item, and if so, transmits a digital membership preferential message to the client device; the server device executes the application procedure, and the application procedure allows the client device to establish an application data, and storing the created application data in a database server for review and activation of online banking and mobile banking; and the server device continuously detecting the review results of the application data. When the review result is passed, the client device is automatically notified by at least one of text message and email based on the mobile phone number and email address recorded in the application data.

The system and method disclosed herein differ from prior art in that the present invention provides a digital application platform service via a server device and receives identity information input from a client device. Upon verifying the identity information based on verification logic, the server device generates and transmits a verification code. Upon confirming that the client device has entered the same verification code, multiple business items and digital membership application items are displayed for selection. The digital membership application items are prominently displayed to guide the client device in its selection and subsequently refer the user to apply for digital membership.

Through the above-mentioned technical means, the present invention can achieve the technical effect of improving the functionality of the digital application platform.

The following will be used in conjunction with drawings and embodiments to explain in detail the implementation of the present invention, so that the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects can be fully understood and implemented accordingly.

Please first refer to "Figure 1," which is a block diagram of the referral system of the digital application platform of the present invention. This system includes a database server 110 and a server device 120. Database server 110 stores multiple application records, each of which includes review results. In practice, database server 110 can be a standalone computer device running a relational database, a non-relational database (NoSQL), or other similar database, or it can be integrated with server device 120.

Next, the server device 120 provides digital application platform services and is connected to the database server 110 via a network. This server device 120 includes a non-transitory computer-readable storage medium 121 and a hardware processor 122. The non-transitory computer-readable storage medium 121 is used to store a plurality of computer-readable instructions. In practical implementations, the network includes wired and wireless networks, such as Ethernet, Power Line Communication (PLC), Wi-Fi, Zigbee, LoRa (Long Range), or other similar technologies. Furthermore, the non-transitory computer-readable storage medium 121 includes a hard drive, floppy disk, optical disk, magnetic tape, non-volatile memory, or the like. The computer-readable instructions may be written using assembly language instructions, instruction set architecture instructions, machine instructions, machine-related instructions, microinstructions, firmware instructions, or any combination of one or more programming languages to form a logical circuit, wherein the programming languages include object-oriented programming languages such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, and PHP, as well as conventional procedural programming languages such as C or similar programming languages.

The hardware processor 122 is electrically connected to the non-transitory computer-readable storage medium 121 for executing the plurality of computer-readable instructions to cause the server device 120 to execute: receiving identity information input by the client device 130, the identity information including at least a mobile phone number; verifying the correctness of the identity information based on the check logic, and when correct, generating a verification code and transmitting it to the mobile phone number; and after confirming that the client device 130 has input the same verification code, displaying a plurality of business items and digital membership application items for the client device 130 to select, wherein the digital membership application items are displayed in a prominent manner to guide the client device Selecting a digital membership application item to apply for digital membership; detecting whether the client device 130 has selected the digital membership application item, and if so, transmitting a digital membership preferential information to the client device 130; executing an application procedure, which allows the client device 130 to create application information, and storing the created application information in the database server 110 for review and activation of online banking and mobile banking; and continuously detecting the review result of the application information. When the review result is passed, the client device 130 is automatically notified by at least one of a text message and an email based on the mobile phone number and email address recorded in the application information. In practical implementations, the hardware processor 122 can be implemented via an integrated circuit chip, a system on chip (SoC), a complex programmable logic device (CPLD), a field programmable gate array (FPGA), or the like. Furthermore, the verification logic can include checking at least one of the number of characters, format, and correctness of the ID number, name, and mobile phone number. The eye-catching display method can include at least one of flashing, enlarged graphics, and animation to display the digital membership application items, and can also be combined with at least one of a reminder sound and contrasting colors. It is particularly important to note that when the server device 120 detects that the review result is passed and the client device 130 has not selected the digital membership application item, the digital membership discount information and the digital membership application hyperlink can be embedded in at least one of a text message and an email and transmitted to the client device 130. The digital membership application hyperlink can include tracking parameters, which include a unique identification code. When the client device 130 clicks on the digital membership application hyperlink, the tracking parameters are simultaneously transmitted to the server device 120 for statistical analysis, for example, to determine who is willing to click on the digital membership application hyperlink and how many people are willing to click on it, so as to facilitate subsequent marketing promotions targeting these people. Furthermore, the server device 120 can filter the digital membership preferential information based on the received identity information and transmit it to the client device 130. The server device 120 can also adjust the preferential margin based on the age recorded in the identity information until at least one of the age and preferential margin exceeds a preset threshold (e.g., the preset age threshold is 64, the preset preferential margin threshold is the upper limit of the current deposit interest rate of 2%). In practice, age and preferential margin are positively correlated. In other words, appropriate digital membership preferential information can be filtered based on age, for example, excluding preferential margins that are not applicable to minors, while also providing larger preferential margins to older users.

Please refer to "Figure 2A" and "Figure 2B", which are flow charts of the method of the digital application platform of the present invention. The steps include: connecting the database server 110 and the server device 120 to each other through the network, wherein the database server 110 stores multiple application data, each application data includes the review result, and the server device 120 provides the digital application platform service (step 2 10); The server device 120 receives the identity information input by the client device 130, which includes the mobile phone number (step 220); the server device 120 verifies the correctness of the identity information based on the verification logic. When it is correct, it generates a verification code and sends it to the mobile phone number. After confirming that the client device 130 has entered the same verification code, it displays multiple business items and digital membership application items for the client device 130 to select. The digital membership application item is displayed in a prominent manner to guide the client device 130 to select the digital membership application item to apply for digital membership (step 230); the server device 120 detects whether the client device 130 selects the digital membership application item, and if so, transmits a digital membership preferential message to the client device 130 (step 240); the server device 120 executes the application procedure, which allows the client device 130 to The client device 130 creates application data and stores the created application data in the database server 110 for review and activation of online banking and mobile banking (step 250). The server device 120 continuously monitors the review results of the application data. When the review result is passed, the client device 130 is automatically notified by at least one of a text message and an email based on the mobile phone number and email address recorded in the application data (step 260). Through the above steps, the digital application platform service can be provided through the server device 120, and the identity information input by the client device 130 can be received. When the server device 120 verifies that the identity information is correct based on the verification logic, it generates and transmits a verification code. After confirming that the client device 130 has entered the same verification code, multiple business items and digital membership application items are displayed for selection. Among them, the digital membership application items are displayed in a prominent manner to guide the client device 130 in making a selection and then refer the client device 130 to apply for digital membership.

The following description uses "Figures 3A" through "Figure 3I" as an example. Please first refer to "Figure 3A," which is a schematic diagram illustrating the identity verification process of the present invention. In practice, a user can connect to a server device 120 via a network-enabled client device 130, such as a computer or smartphone, to open an identity verification window 310. The user then sequentially enters their ID number, date of birth, and mobile phone number as identity information in the input fields 311-313. When the user clicks the Next button 314, the identity information is transmitted to the server device 120 for verification. Next, server device 120 verifies the correctness of the identity information based on verification logic. For example, it verifies the correct number of characters and format of the ID number, name, and mobile phone number. For example, if the ID number does not meet the verification rules for the ID number, the ID number is considered incorrect. For example, if the name contains only one character, a number, or a symbol, the name is considered incorrect. For example, if the mobile phone number is not 10 digits and the first and second digits do not begin with "09", the mobile phone number is considered incorrect. Conversely, if the ID number, name, and mobile phone number are all correct, server device 120 generates a verification code and sends it to the mobile phone. It is particularly important to note that, in addition to performing authentication on the server device 120, authentication can also be performed in conjunction with the client device 130. For example, when the identity authentication window 310 is opened, an authentication program is synchronously loaded to perform preliminary authentication on the client device 130 before transmitting the identity information. Once the authentication is correct, the identity information is then transmitted to the server device 120 for further authentication. Since preliminary authentication is performed before transmitting the identity information, if the server device 120 authenticates incorrect identity information, it may indicate that the identity information has been tampered with.

Next, as shown in "Figure 3B", "Figure 3B" is a schematic diagram of the mobile phone SMS verification of the present invention. As mentioned above, the server device 120 will generate a verification code and transmit it to the mobile phone number. When the user receives the verification code, he can enter the same text, numbers, or a combination thereof as the verification code in the input block 321 of the mobile phone SMS verification window 320, and click the next button 324 to transmit the entered text, numbers, or a combination thereof to the server device 120 to confirm whether it is the same as the verification code. In addition, the user can also click the previous button 323 to return to the previous step. It should be noted that in actual implementation, the timeliness of the verification code can be increased, requiring the user to enter the verification code and click the next button 324 within the validity period of the verification code. If the validity period has expired, the server device 120 will consider the verification code as failed regardless of whether it is the same as the verification code, and will allow another different verification code to be resent to the same mobile phone number.

As shown in FIG. 3C , FIG. 3C is a schematic diagram illustrating the application of the present invention to display service items and digital membership application items. After server device 120 confirms that client device 130 has entered the same verification code, client device 130 is allowed to browse available services through service blocks ( 331 - 334 ) in service selection window 330 , such as: NT$ + foreign currency accounts, NT$ accounts, debit card applications, and debit card applications. For example, a user can click service block 331 , service block 333 , and additional block 336 to apply for NT$ and foreign currency accounts, debit cards, and digital memberships. In addition, the user can choose whether to apply for digital membership through the additional blocks (335, 336). Clicking the additional block 335 indicates not applying for digital membership for the time being, and clicking the additional block 336 indicates selecting digital membership application items to apply for digital membership. Similarly, after the user clicks the next button 338, the above selection result can be transmitted to the server device 120. Clicking the previous button 337 can cancel the selection and return to the previous step. It should be particularly noted that in order to guide referral users to apply for digital membership on the digital application platform, the additional block 336 can be presented in a striking color (indicated by dots in the figure) as shown in "Figure 3C". However, although the present invention uses a striking color as an example, the present invention is not limited to this. Any method that can attract the user's attention is within the scope of application of the present invention.

As shown in FIG. 3D , FIG. 3D is a schematic diagram illustrating the application of the present invention to display digital membership discounts. Assuming a user selects the digital membership application, server device 120 will provide digital membership discount information and display it in discount content window 340 for the user to browse. In practice, users can browse digital membership discount information in the discount area ( 341 - 347 ). For example, discount information related to handling fee discounts may include the following:

1. Fund subscription discounts, such as a minimum 40% discount on single purchases and a minimum 25% discount on regular purchases;

2. Loan discounts, such as a discounted price of NT$2,000; and

3. Interbank foreign currency remittance discounts, for example: a NT$50 discount per transaction.

In addition, you can also include promotional information related to rewards as follows:

1. Mobile payment bonus rebates, for example: 30% bonus points on every purchase;

2. Credit card rebates, e.g. up to 2% bonus; and

3. Apply for electronic billing rewards, such as earning bonus points for completing tasks.

It can even include shopping discounts (e.g., 10% off selected beverages), and by clicking on the discount area (341-347), more detailed digital membership discount information can be displayed. The user can then click on the previous button 348 to return to the previous step and on the next button 349 to proceed to the next step.

As shown in FIG3E , FIG3E is a schematic diagram illustrating the selection of an authentication method according to the present invention. In practice, a user can select an authentication method through the authentication window 350 . For example, the user can select the bank account field 351 to use the bank account for authentication, or the user can select the personal ID field 352 to use the personal ID for authentication. When selecting the bank account for authentication, the user must enter the deposit account number in the input field 353 . After making the selection, the user can click the Next button 354 to initiate the account opening application process on the server device 120 .

As shown in FIG. 3F, FIG. 3F is a schematic diagram of the present invention displaying the terms of service and the obligation notice. In actual implementation, when the server device 120 executes the account opening application process, the digital member service terms and the personal information protection obligation notice can be displayed in different display blocks (361, 363) in the display window 360. After the user ticks the corresponding checkboxes (362, 364) to agree, he or she clicks the next button 365 to proceed to the next step.

As shown in FIG. 3G , FIG. 3G is a schematic diagram illustrating the application of the present invention to upload an ID image. In practice, a user can use the camera of client device 130 to scan a two-dimensional barcode 371 (e.g., a QR code) displayed in upload window 370 , thereby photographing the ID and uploading the ID image. Alternatively, the user can directly select and load pre-prepared ID images, such as the front and back images of an ID card, by operating in operation areas ( 372 , 373 ). A second ID can be selected using drop-down menu 374 . Subsequently, when the user clicks Next button 376 , client device 130 will upload the loaded ID image to server device 120 . Similarly, you can click the previous button 375 to cancel the upload and return to the previous step.

As shown in FIG. 3H , which illustrates the application of the present invention for inputting and confirming basic information, after a user uploads an ID image, they can enter their basic personal information in input field 381 of basic information window 380 and confirm whether the entered basic personal information is correct in display field 382 . If correct, the user can click Next button 384 to include the basic personal information as part of the application. If incorrect, the user can click Back button 383 to re-enter the basic personal information.

As shown in FIG. 3I , FIG. 3I is a schematic diagram illustrating an application for online and mobile banking using the present invention. In practice, a user can set a user name, login password, and transaction password in the settings areas ( 391 - 393 ) within application window 390 , respectively. These settings serve as part of the application data. After clicking the Complete Application button 394 , the created application data is transmitted to server device 120 , which stores the created application data in database server 110 for bank staff review and activation of online and mobile banking. Afterwards, the server device 120 will continue to monitor the application data review results. When the review result is passed, it will automatically notify the client device 130 via at least one of a text message and an email based on the mobile phone number and email address recorded in the application data.

In summary, the difference between the present invention and prior art lies in the provision of digital application platform services via a server device, which receives identity information input by a client device. When the server device verifies the identity information is correct based on verification logic, it generates and transmits a verification code. Upon confirming that the client device has entered the same verification code, it displays multiple business items and digital membership application items for selection. The digital membership application items are prominently displayed to guide the client device in its selection and subsequently refer the user to apply for digital membership. This technical approach resolves the problems of prior art and achieves the technical effect of improving the functionality of the digital application platform.

Although the present invention is disclosed above with reference to the aforementioned embodiments, they are not intended to limit the present invention. Anyone skilled in the art may make slight modifications and improvements without departing from the spirit and scope of the present invention. Therefore, the scope of patent protection of the present invention shall be determined by the scope of the patent application attached to this specification.

110: Database server 120: Server device 121: Non-transient computer-readable storage media 122: Hardware processor 130: Client device 310: Identity verification window 311-313,321,353,381: Input area 314,324,338,349,354,365,376,384: Next button 320: SMS verification window 323,337,348,375,383: Back button 330: Service selection window 331-334: Service area 335,336: Additional area 340: Promotional content window 341-347: Promotional area 350: Verification Window 351: Bank Account Block 352: Natural Person Credential Block 360: Display Window 361,363,382: Display Block 362,364: Check Box 370: Upload Window 371: 2D Barcode 372,373: Operation Block 374: Drop-down Menu 380: Basic Information Window 390: Application Window 391-393: Settings Block 394: Complete Application Button Step 210: Connect a database server and a server device via a network, wherein the database server stores multiple application data, each of which includes a review result. Step 220: The server device receives an identity message input by a client device, the identity message including a mobile phone number. Step 230: The server device verifies the correctness of the identity message based on a verification logic. If the identity message is correct, a verification code is generated and sent to the mobile phone number. After confirming that the client device has input the same verification code, the server device displays multiple business items and a digital membership application item for the client device to select. The digital membership application item is displayed in at least one eye-catching manner to guide the client device to select the digital membership application item to apply for digital membership. Step 240: The server device detects whether the client device selects the digital membership application item. If so, it sends at least one digital membership preferential message to the client device. Step 250: The server device executes an application process, which allows the client device to create the application data and stores the created application data to the database server for review and activation of online banking and mobile banking. Step 260: The server device retransmits the key vector to the enterprise knowledge base for comparison with the mathematical vector. The server device continuously detects the review result of the application data. When the review result is passed, the server device automatically notifies the client device by at least one of a text message and an email based on the mobile phone number and email address recorded in the application data to re-integrate the query result and output it.

Figure 1 is a system block diagram of the guidance and referral system of the digital application platform of the present invention. Figures 2A and 2B are flow charts of the guidance and referral method of the digital application platform of the present invention. Figure 3A is a schematic diagram of the identity verification of the present invention. Figure 3B is a schematic diagram of the mobile phone SMS verification of the present invention. Figure 3C is a schematic diagram of the application of the present invention to display business items and digital membership application items. Figure 3D is a schematic diagram of the application of the present invention to display digital membership discount content. Figure 3E is a schematic diagram of the application of the present invention to select the verification method. Figure 3F is a schematic diagram of the application of the present invention to display the terms of service and obligation notice. Figure 3G is a schematic diagram of the application of the present invention to upload an ID image file. Figure 3H is a schematic diagram of the application of the present invention to input basic information and confirm. Figure 3I is a schematic diagram illustrating the application of the present invention for online banking and mobile banking.

110: Database Server

120: Server device

121: Non-transitory computer-readable storage media

122:Hardware Processor

130: Client device

Claims (10)

A guidance and referral system for a digital application platform comprises: A database server for storing multiple application documents, each of which includes a review result; and A server device for providing digital application platform services and connected to the database server via a network, the server device comprising: A non-transitory computer-readable storage medium for storing multiple computer-readable instructions; and A hardware processor electrically connected to the non-transitory computer-readable storage medium for executing the multiple computer-readable instructions, causing the server device to: Receive identity information input from a client device, the identity information including at least a mobile phone number; Verifying the correctness of the identity information based on a verification logic. If correct, a verification code is generated and transmitted to the mobile phone number. After confirming that the client device has entered the same verification code, the client device is presented with a plurality of service items and a digital membership application item for selection. The digital membership application item is displayed in at least one prominent manner to guide the client device to select the digital membership application item to apply for digital membership. Detecting whether the client device has selected the digital membership application item, and if so, transmitting at least one digital membership promotional message to the client device. Executing an application process that allows the client device to create the application information and storing the created application information in the database server for review and activation of online banking and mobile banking; and Continuously monitoring the review result of the application information. When the review result is approved, automatically notifying the client device via at least one of a text message and an email based on the mobile phone number and email address recorded in the application information. The guidance and referral system of the digital application platform of claim 1, wherein the eye-catching method includes at least one of flashing, enlarged images and text, and animation to display the digital membership application items, and allows for simultaneous display with at least one of a prompt sound and contrasting colors. In the guidance and referral system of the digital application platform of claim 1, when the server device detects that the review result is passed and the client device has not selected the digital membership application item, the digital membership benefit message and a digital membership application hyperlink are embedded in at least one of a text message and an email and transmitted to the client device. A referral system for a digital application platform as claimed in claim 3, wherein the digital membership application hyperlink includes a tracking parameter, wherein the tracking parameter includes a unique identification code, and when the client device clicks the digital membership application hyperlink, the tracking parameter is transmitted to the server device for statistical analysis. A referral system for a digital application platform as claimed in claim 1, wherein the server device filters the digital membership discount information based on the received identity information for transmission to the client device, and allows the discount margin to be adjusted based on the age recorded in the identity information until at least one of the age and the discount margin exceeds a preset threshold, wherein the age is positively correlated with the discount margin. A method for guiding and referring applicants on a digital application platform comprises the following steps: Connecting a database server and a server device via a network, wherein the database server stores multiple application records, each of which includes a review result, and the server device provides digital application platform services; The server device receives identity information input from a client device, wherein the identity information includes a mobile phone number; The server device verifies the accuracy of the identity information based on a verification logic. If the identity information is correct, it generates a verification code and transmits it to the mobile phone number. After confirming that the client device has entered the same verification code, the server device displays a plurality of service items and a digital membership application item for selection by the client device. The digital membership application item is displayed in at least one prominent manner to guide the client device to select the digital membership application item to apply for digital membership. The server device detects whether the client device has selected the digital membership application item. If so, it transmits at least one digital membership promotional message to the client device. The server device executes an application process that allows the client device to create the application information and stores the created application information in the database server for review and activation of online banking and mobile banking. The server device continuously monitors the review result of the application information and, when the review result is approved, automatically notifies the client device via at least one of a text message and an email based on the mobile phone number and email address recorded in the application information. The method for guiding referrals on a digital application platform as claimed in claim 6, wherein the eye-catching method includes at least one of flashing, enlarged images and text, and animation to display the business items corresponding to the digital membership application, and allows for simultaneous display with at least one of a prompt sound and contrasting colors. In the guided referral method of the digital application platform of claim 6, when the server device detects that the review result is passed and the client device has not selected the digital membership application item, the digital membership benefit message and a digital membership application hyperlink are embedded in at least one of a text message and an email to be sent to the client device. A method for guiding referrals on a digital application platform as claimed in claim 8, wherein the digital membership application hyperlink includes a tracking parameter, wherein the tracking parameter includes a unique identification code, and when the client device clicks the digital membership application hyperlink, the tracking parameter is transmitted to the server device for statistical analysis. A method for guiding referrals on a digital application platform as claimed in claim 6, wherein the server device filters the digital membership discount message based on the received identity information for transmission to the client device, and allows the discount margin to be adjusted based on the age recorded in the identity information until at least one of the age and the discount margin exceeds a preset threshold, wherein the age is positively correlated with the discount margin.