Service processing method and device

A business processing and business technology, applied in the computer field, can solve problems such as can not be completed automatically, and achieve the effect of reducing the risk of collection and improving the efficiency of transfer

Pending Publication Date: 2020-10-13
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The existing business processing method requires manual participation and cannot be completed automatically

Method used

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  • Service processing method and device
  • Service processing method and device
  • Service processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach 1

[0095] When there is one type of business processing mode, the business processing mode is directly selected.

Embodiment approach 2

[0097] When there are multiple types of business processing modes, the business processing mode with the highest priority is selected according to the set priority of each business processing mode.

[0098] For example, for the transfer business, the priorities of the various business processing modes set from high to low are: credit card joint debit card repayment mode, linkage loan mode, credit card repayment mode, debit card Card repayment mode. The repayment mode of credit card combined with debit card is preferred.

[0099] For another example, for the points exchange business, the priorities of the various business processing modes set up from high to low are: after the points reach the exchange threshold, convert a certain number of points into digital currency or a disposable amount, regularly Convert all the points into digital currency or disposable amount, and convert part of the current points according to the set conversion percentage. Then it is preferred to ch...

Embodiment approach 3

[0101] When there are multiple types of business processing modes, calculate the probability of each business processing mode being selected according to the available resources of each contract account included in the first user information; combine the priority of each business processing mode set Level and the probability that each business processing mode is selected, select the business processing mode.

[0102] For the money transfer business, each contracted account number may be a credit card number, a debit card number, or the like.

[0103] For a credit card, the disposable resource refers to the remaining amount of the credit card; for a debit card, the disposable resource refers to the remaining amount in the debit card.

[0104] Correspondingly, for the transfer business, calculating the probability that each business processing mode is selected may include:

[0105] Through the following calculation formula group (1), calculate the probability that each business...

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Abstract

The invention discloses a service processing method and device, and relates to the technical field of computers. One specific embodiment of the method comprises the steps: obtaining a service processing contract, and obtaining first user information, second user information, at least one service processing mode and a service execution condition from the service processing contract; monitoring indexes corresponding to the service execution conditions; when the index meets the service execution condition, selecting one service processing mode from at least one service processing mode; and processing interactive service data between the first user and the second user by using the selected service processing mode, the first user information and the second user information. According to the embodiment, manual participation is effectively reduced, and automatic service processing is realized.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a business processing method and device. Background technique [0002] With the development of electronic banking services, many banking services such as transfers and payments can be completed online. However, currently online transactions such as transfers and payments require manual participation, that is, the transfer party or the first user manually initiates the transfer or payment. Especially for the transfer between enterprises, the transfer or payment is initiated by the transfer party or the first user. The existing business processing method requires manual participation and cannot be completed automatically. Contents of the invention [0003] In view of this, the embodiments of the present invention provide a service processing method and device, which effectively reduces manual participation and realizes automatic service processing. [0004] To achiev...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/10G06Q20/24G06Q20/26G06Q40/02G06Q20/06G06Q20/38G06Q30/02
CPCG06Q20/405G06Q20/102G06Q20/24G06Q20/26G06Q20/065G06Q20/387G06Q30/0233G06Q40/03
Inventor 张向锋
Owner CHINA CONSTRUCTION BANK
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