Method, device and equipment for assisting in handling banking business, medium and program product

Abstract

The invention provides a method for assisting in handling banking business. The method can be applied to the financial science and technology field or the business processing field. The method for assisting in handling the banking business comprises the steps that at least one candidate path is generated according to at least one to-be-handled business of a target user, the candidate path comprises a plurality of service nodes, and the service nodes represent handling positions associated with the at least one to-be-handled business of the target user; state information of a service node and position information of a target user are obtained, the state information represents waiting time of the service node, and the position information represents the distance between the target user and the service node; and determining a target path from the at least one candidate path according to the position information and the state information. The invention further provides a device and equipment for assisting in handling banking business, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of business processing, and more particularly to a method, apparatus, device, medium, and program product for assisting in handling banking business. Background Art

[0002] Currently, some banking services must be handled by the customer himself / herself at the bank counter, such as traditional financial services like account opening, mortgage loans, simple foreign exchange trading, trade financing, etc. Such services are called counter services. The handling of counter services depends on the guidance of the staff at the bank branch, resulting in low work efficiency. Summary of the Invention

[0003] In view of the above problems, the present disclosure provides a method, apparatus, device, medium, and program product for assisting in handling banking business.

[0004] According to a first aspect of the present disclosure, a method for assisting in handling banking business is provided, including: generating at least one candidate path according to at least one to-be-handled service of a target user, where the candidate path includes a plurality of service nodes, and the service node represents a handling location associated with at least one to-be-handled service of the target user; obtaining status information of the service node and location information of the target user, where the status information represents the waiting duration of the service node, and the location information represents the distance between the target user and the service node; and determining a target path from at least one candidate path according to the location information and the status information.

[0005] According to an embodiment of the present disclosure, generating at least one candidate path according to at least one to-be-handled service of a target user includes: generating at least one initial path according to at least one to-be-handled service of the target user; and in a case where the initial path meets a first preset condition, using the initial path as the candidate path, where the first preset condition represents business handling rules.

[0006] According to an embodiment of the present disclosure, the method further includes: determining an evaluation value of the service node according to the location information and environmental information, where the environmental information represents the population density and facility score of the service node, and the evaluation value represents the service effect of the service node.

[0007] According to an embodiment of the present disclosure, determining a target path from at least one candidate path according to the location information and the status information includes: constructing an objective function for the candidate path according to the location information and the status information; and in a case where the objective function meets a second preset condition, determining the candidate path as the target path, where the second preset condition represents that the objective function of the candidate path is the minimum value.

[0008] According to an embodiment of the present disclosure, a candidate path objective function is constructed based on location information and status information, including: obtaining historical behavior data of a target user, where the historical behavior data characterizes the preferences of the target user for business handling; determining weight values for the location information and the status information in the objective function according to the historical behavior data; and constructing a candidate path objective function based on the location information, the status information, and the weight values.

[0009] According to an embodiment of the present disclosure, the method further includes: obtaining update information of the current service node regarding at least one to-do business, where the update information characterizes the addition or deletion of service nodes for the to-do business; and updating the candidate path according to the update information.

[0010] According to an embodiment of the present disclosure, at least one candidate path is generated based on at least one to-do business of a target user, including: generating an extended business associated with the to-do business in response to obtaining the to-do business; and generating at least one candidate path based on the to-do business and the extended business.

[0011] According to an embodiment of the present disclosure, the method further includes: sending the target path to a terminal device of the target user and displaying status information in the service nodes of the target path.

[0012] A second aspect of the present disclosure provides an apparatus for assisting in handling banking business, including: a generation module configured to generate at least one candidate path based on at least one to-do business of a target user, where the candidate path includes a plurality of service nodes, and the service nodes represent handling locations associated with at least one to-do business of the target user; an acquisition module configured to acquire status information of the service nodes and location information of the target user, where the status information characterizes the waiting duration of the service nodes, and the location information characterizes the distance between the target user and the service nodes; and a determination module configured to determine a target path from at least one candidate path according to the location information and the status information.

[0013] A third aspect of the present disclosure provides an electronic device, including: one or more processors; a memory configured to store one or more computer programs, where the above one or more processors execute the above one or more computer programs to implement the steps of the above method.

[0014] A fourth aspect of the present disclosure further provides a computer-readable storage medium, on which a computer program or instruction is stored, and when the computer program or instruction is executed by a processor, the steps of the above method are implemented.

[0015] A fifth aspect of the present disclosure further provides a computer program product, including a computer program or instruction, and when the computer program or instruction is executed by a processor, the steps of the above method are implemented. Description of the Drawings

[0016] Through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, the above content and other objects, features, and advantages of the present disclosure will become clearer. In the drawings:

[0017] Figure 1 Schematically shows an application scenario diagram of a method, device, equipment, medium, and program product for assisting in handling banking business according to an embodiment of the present disclosure;

[0018] Figure 2 Schematically shows a flowchart of a method for assisting in handling banking business according to an embodiment of the present disclosure;

[0019] Figure 3 Schematically shows a flowchart of a method for generating candidate paths according to an embodiment of the present disclosure;

[0020] Figure 4 Schematically shows a flowchart of a method for determining a target path according to an embodiment of the present disclosure;

[0021] Figure 5 Schematically shows a flowchart of a method for constructing an objective function for candidate paths according to an embodiment of the present disclosure;

[0022] Figure 6 Schematically shows a flowchart of a method for assisting in handling banking business according to another embodiment of the present disclosure;

[0023] Figure 7 Schematically shows a flowchart of a method for generating candidate paths according to another embodiment of the present disclosure;

[0024] Figure 8 Schematically shows a structural block diagram of a device for assisting in handling banking business according to an embodiment of the present disclosure; and

[0025] Figure 9 Schematically shows a block diagram of an electronic device suitable for implementing the method for assisting in handling banking business according to an embodiment of the present disclosure. Detailed implementation manners

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, obviously, one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present disclosure.

[0027] The terms used herein are for describing specific embodiments only and are not intended to limit the present disclosure. Terms such as "including" and "comprising" used herein indicate the presence of features, steps, operations, and / or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

[0028] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those of ordinary skill in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0029] In cases where expressions similar to "at least one of A, B, and C, etc." are used, generally, it should be interpreted according to the meaning commonly understood by those of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include, but not be limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0030] It should be noted that the method and device for assisting in handling banking business of the present disclosure can be used for business processing in the field of financial technology, and can also be used for business processing in any field other than the field of financial technology. The present disclosure does not limit the application field of the method and device for assisting in handling banking business.

[0031] In the technical solution of the present disclosure, the user information involved (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties. Moreover, the processing of relevant data, such as collection, storage, use, processing, transmission, provision, disclosure, and application, complies with relevant laws, regulations, and standards, takes necessary confidentiality measures, does not violate public order and good customs, and provides corresponding operation entrances for users to choose to authorize or refuse.

[0032] Embodiments of the present disclosure provide a method for assisting in handling banking services, including: generating at least one candidate path according to at least one to-be-handled service of a target user, where the candidate path includes multiple service nodes, and the service nodes represent handling locations associated with at least one to-be-handled service of the target user; obtaining status information of the service nodes and location information of the target user, where the status information represents the waiting duration of the service nodes, and the location information represents the distance between the target user and the service nodes; determining a target path from at least one candidate path according to the location information and the status information. According to the to-be-handled services of the user, a target path for handling services matching the user can be automatically generated, reducing the manual assistance work for handling services and improving the efficiency of handling services. At the same time, by integrating real-time service node status and user location information, intelligent path planning is provided for banking service handling, providing personalized services for users and avoiding blind selection by users.

[0033] Figure 1 Schematically shows an application scenario diagram of a method, device, equipment, medium, and program product for assisting in handling banking services according to an embodiment of the present disclosure.

[0034] As Figure 1 shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used to provide a medium for communication links between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0035] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0036] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop portable computers, and desktop computers, etc.

[0037] The server 105 may be a server that provides various services. For example, it may be a background management server (for example only) that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process data such as user requests received, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0038] It should be noted that the method for assisting in handling banking services provided by the embodiments of the present disclosure can generally be executed by the server 105. Correspondingly, the device for assisting in handling banking services provided by the embodiments of the present disclosure can generally be set in the server 105. The method for assisting in handling banking services provided by the embodiments of the present disclosure can also be executed by a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105. Correspondingly, the device for assisting in handling banking services provided by the embodiments of the present disclosure can also be set in a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105.

[0039] It should be understood that Figure 1 the numbers of terminal devices, networks, and servers in

[0040] are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers. Figure 1 The following will be based on Figures 2 to 7 the described scenario, and will describe in detail the method for assisting in handling banking services of the disclosed embodiments through

[0041] Figure 2 FIG. schematically shows a flowchart of the method for assisting in handling banking services according to an embodiment of the present disclosure.

[0042] As Figure 2 shown, the method for assisting in handling banking services of this embodiment includes operation S210 to operation S230.

[0043] In operation S210, at least one candidate path is generated according to at least one to-be-handled service of the target user. The candidate path includes a plurality of service nodes, and the service node represents a handling location associated with at least one to-be-handled service of the target user.

[0044] In operation S220, the status information of the service node and the location information of the target user are obtained. The status information represents the waiting duration of the service node, and the location information represents the distance between the target user and the service node.

[0045] In operation S230, a target path is determined from at least one candidate path according to the location information and the status information.

[0046] Exemplarily, a user can select or input the type of business to be handled in a system interface (such as an ATM of a bank, a mobile App, a website, etc.), such as "deposit", "withdrawal", "account opening", "consultation", etc. Or through a conversation with a user by an intelligent assistant or a chatbot, the business to be handled by the user can be determined. Or in a face-to-face interaction, bank staff can help identify and determine the business to be handled according to the customer's needs, consultation content or identity information.

[0047] Each service node represents a specific location for handling a business. For example, different windows, ATMs, customer service halls, etc. of a bank can all be service nodes.

[0048] A candidate path can be different processes for a target user to handle a business, and each candidate path can include multiple service nodes. In a candidate path, each service node corresponds to a handling location related to the business to be handled by the target user. For example, if the business to be handled by the user is a deposit, the relevant service node may be a window or self-service device providing deposit services. If the business to be handled by the user is a loan application, the relevant service nodes may include a window or self-service device for adjusting the loan application, an in-person interview and assessment room, etc. The arrangement of these service nodes will be adjusted according to the business type, user needs and actual situations.

[0049] The status information can be the waiting time required for a service node associated with the business to be handled to handle the business, which may be affected by factors such as the current number of people in the queue and the number of staff. The location information can be the physical distance between the user and a certain service node. Generally speaking, service nodes closer to the user will be given priority, especially when the user has a short waiting time.

[0050] To optimize path selection, the status information of each service node and the location information of the target user are collected. The system will select an optimal path (target path) from multiple candidate paths based on the above information (location information and status information). The optimal path not only considers the distance between the target user and each service node (the user expects a service node closer), but also comprehensively considers the waiting duration of each node (preferably select a node with a shorter waiting time). The target path can be to complete all the businesses to be handled in the shortest time and avoid too long waiting times. The target path can also be to complete all the businesses to be handled in the shortest distance and avoid walking too long a distance.

[0051] It can be understood that according to the user's to-do business, the target path for business handling that matches the user can be automatically generated, reducing the manual-assisted business handling work and improving the efficiency of business handling. At the same time, by integrating the real-time service node status and user location information, intelligent path planning is provided for bank business handling, providing personalized services for users and avoiding blind selection by users.

[0052] Figure 3 The flowchart of the method for generating candidate paths according to an embodiment of the present disclosure is schematically shown.

[0053] As described above, in operation S210, at least one candidate path is generated according to at least one to-do business of the target user. In a feasible manner, as Figure 3 shown, this operation may further include operations S310 to S340.

[0054] In operation S310, at least one initial path is generated according to at least one to-do business of the target user.

[0055] In operation S320, it is determined whether the initial path meets the first preset condition.

[0056] In operation S330, when the initial path meets the first preset condition, the initial path is used as the candidate path, and the first preset condition represents the business handling rule.

[0057] In operation S340, when the initial path does not meet the first preset condition, the initial path is deleted.

[0058] Exemplarily, the initial path may be one or more initial process paths designed by the system according to the business that the user currently needs to complete (to-do business). The initial path is a possible route for business handling, and the business handling process is formed by sorting according to the functions of different service nodes.

[0059] The business handling rule may be the handling process constraint conditions formulated within the bank. The business handling rule may include the legality of the process, time limit, priority, resource allocation, etc.

[0060] The first preset condition may be a set of conditions that define the business handling process rules. These conditions may be constraints on aspects such as time, process steps, compliance requirements, and operation specifications, ensuring that the business handling path conforms to the actual operation specifications and standards. For example, a certain step may be required to be completed within a specific time, or a certain business may require the participation of a specific person, etc.

[0061] If the initial path meets the first preset condition, it will continue to be an available path (candidate path). That is to say, the candidate path meets the basic requirements for business handling. For example, for account opening, one must fill out a form first and then verify identity. Foreign currency exchange is only available at Window 3. Copying of customer information must be completed within the scope of monitoring. The rules for business handling can affect the candidate path for users to handle business, that is, limit the order, location, etc. of service nodes.

[0062] In one example, if the business to be handled by the user is an inter-branch transfer business, then according to this business, 3 initial paths can be generated. The first initial path: [Counter 1 of Branch A] → [Authorization Terminal of Branch A] → [Cash Window of Branch A]; The second initial path: [Authorization Terminal of Branch A] → [Authorization Counter of Branch A] → [Cash Window of Branch A]; The third initial path: [VIP Room of Branch A] → [VIP Room of Branch A] → [VIP Room of Branch A]. For the inter-branch transfer business, there is a business handling rule 1: For large transfers, one must apply first and then get authorization. Then the second initial path does not meet the handling rule 1 (the first preset condition), and the second initial path cannot be used as a candidate path. Then the first initial path and the third initial path can be used as candidate paths. According to the distances (location information) from the authorization terminal of Branch A, the authorization counter of Branch A, the cash window of Branch A, and the VIP room of Branch A, and the waiting time lengths (status information) of each service node, the target path that meets the needs of the target user (the shortest time used or the closest distance) is determined.

[0063] It can be understood that the initial paths generated for the business to be handled are screened according to the business handling rules to obtain candidate paths, and then further calculations are performed to determine the target path. This can not only save computing resources but also improve the accuracy of the target path.

[0064] In some embodiments, when the target path is the one with the shortest time used, the status information can be calculated by the following operations. The waiting time length of each service node is calculated using the following formula, and the waiting time length of each candidate path is calculated based on the waiting time lengths of each service node.

[0065]

[0066] Among them, is the predicted waiting time length; is the total number of people currently queuing at the service node; is the average processing time length of the i-th type of business (unit: minute); k is the total number of currently open service windows / devices; is the dynamic adjustment coefficient (range 0.8 - 1.5).

[0067] The average processing time length of the i-th type of business can be obtained by averaging based on the historical statistical data of the business. The dynamic adjustment coefficient represents the efficiency of the teller or the status of the device.

[0068] The distance information can be calculated by the following operations. Obtain the current location information of the target user. According to the location information, calculate the first distance between the target user and the first starting service node in the candidate path, and at the same time, calculate the second distance between two adjacent service nodes in the candidate path. Add the first distance and the second distance to obtain the distance of each candidate path.

[0069] As described above, the method for assisting in handling banking business in this embodiment may further include the operation of determining the evaluation value of the service node according to the location information and the environmental information. The environmental information characterizes the crowd density and facility score of the service node, and the evaluation value characterizes the service effect of the service node.

[0070] Exemplarily, the evaluation value can be the comfort level of the service node, that is, the quantification of measuring the physical experience and psychological feeling of the user during the movement. The evaluation value is related to the path, crowd density, facilities, etc.

[0071] When determining the target path from at least one candidate path, it can be confirmed according to two evaluation indicators of location information and status information, and the evaluation indicator of the evaluation value can be further added for confirmation. Adding the evaluation indicator of the comfort level of the user during business handling can enable the determined target path to improve the user experience of business handling.

[0072] In one example, the evaluation value can be calculated by the following formula:

[0073]

[0074] Where C is the evaluation value, is the distance of the i-th path segment (meters); is the real-time crowd density of the i-th path segment (persons / ㎡); is the barrier-free facility score of the i-th path segment (0-1); w is the weight parameter, is the distance weight parameter, is the crowding degree weight parameter, is the barrier-free equipment weight parameter.

[0075] Figure 4 Schematically shows a flowchart of a method for determining a target path according to an embodiment of the present disclosure.

[0076] As described above, in operation S230, according to the location information and the status information, determine the target path from at least one candidate path. In one implementable manner, as Figure 4 shown, this operation may further include operation S410 to operation S440.

[0077] In operation S410, a target function for candidate paths is constructed based on the location information and status information.

[0078] In operation S420, it is determined whether the output value of the target function for each candidate path satisfies a second preset condition.

[0079] In operation S430, when the target function satisfies the second preset condition, the candidate path is determined as the target path, where the second preset condition indicates that the target function of the candidate path is the minimum value.

[0080] In operation S440, when the target function satisfies the second preset condition, the candidate path is deleted.

[0081] In one example, an evaluation index for the evaluation value can also be added to construct the target function, and the target function is as follows:

[0082]

[0083] Among them, is the total path length, is the maximum estimated waiting time of all service nodes; is the sum of the reciprocals of the evaluation values of each path segment; W1 is the weight value of the path, W2 is the weight value of the waiting time, and W3 is the weight value of the evaluation value, and W1 + W2 + W3 = 1.

[0084] By calculating the output value of each candidate path according to the target function and taking the candidate path with the minimum output value (satisfying the second preset condition) as the target path, the optimal path with the shortest waiting time can be obtained.

[0085] Figure 5 Schematically shows a flowchart of a method for constructing a target function for candidate paths according to an embodiment of the present disclosure.

[0086] As described above, in operation S410, a target function for candidate paths is constructed based on the location information and status information. In one implementable manner, as Figure 5 shown, this operation may further include operations S510 to S530.

[0087] In operation S510, historical behavior data of the target user is obtained, and the historical behavior data represents the preferences of the target user for business handling.

[0088] [[ID=,42]]In operation S520, based on the historical behavior data, the weight values regarding the location information and status information in the target function are determined.

[0089] In operation S530, a target function for candidate paths is constructed according to the location information, status information, and weight values.

[0090] Exemplarily, the historical behavior data may be the user's preference levels for business handling time, path, and comfort. The historical behavior data can be obtained through a questionnaire, or through the types of target paths selected by the user during previous business handling.

[0091] For example, the default weight value of W1 is 0.6, the weight value of W2 is 0.3, and the weight value of W3 is 0.1. When the user handled business previously and focused on the shortest time, the weight of the waiting duration can be increased. Then the weight value of W1 can be adjusted to 0.7, the weight value of W2 is 0.2, and the weight value of W3 is 0.1. Update the objective function according to the adjusted weight values.

[0092] Or when the user handled business previously and focused on comfort, the weight of the evaluation value can be increased. Then the weight value of W1 can be adjusted to 0.4, the weight value of W2 is 0.3, and the weight value of W3 is 0.3.

[0093] It can be understood that by analyzing the user's historical behavior, the weight values of various parts (location, status) in the objective function are dynamically adjusted to make the calculation result of the target path more in line with the user's preferences.

[0094] Figure 6 A flowchart of a method for assisting in handling banking business according to another embodiment of the present disclosure is schematically shown.

[0095] As described above, for the generation of candidate paths, in another implementable manner, as Figure 6 shown, this operation may further include operation S610 to operation S620.

[0096] In operation S610, obtain update information of the current service node regarding at least one pending business, where the update information represents the addition or deletion of service nodes of the pending business.

[0097] In operation S620, update the candidate path according to the update information.

[0098] Exemplarily, the current service node may be the service node that is currently processing the pending business.

[0099] The update information refers to changes or updates regarding these pending businesses, such as the addition or deletion of service nodes. For example, a certain business may be transferred from one service node to a new node, or a certain step is deleted or merged. This information reflects the changes in the business processing flow.

[0100] In one example, continuing with the above-mentioned user's to-do business as an example of cross-branch transfer business for illustration. After calculation, it is determined that the first initial path is the target path: Service Node 1 [Counter 1 of Branch A] → Service Node 2 [Authorized Terminal of Branch A] → Service Node 3 [Cash Window of Branch A]. During the process of applying for a transfer at Service Node 1, risk assessment needs to be added to prevent the target user from being scammed into making a transfer. Then, it is necessary to add a risk assessment window at Branch A for assessment before entering Service Node 2. At this time, the candidate path becomes: Service Node 1 [Counter 1 of Branch A] → Service Node 2 [Risk Assessment Window of Branch A] → Service Node 3 [Authorized Terminal of Branch A] → Service Node 4 [Cash Window of Branch A].

[0101] If there are handling rule constraints between the newly added service node and other service nodes, the candidate path is re-determined according to the constraints. If there are no handling rule constraints between the newly added service node and other service nodes, the candidate path is directly updated. To flexibly respond to changes in business handling and improve the efficiency and accuracy of business handling.

[0102] Figure 7 The flowchart of the method for generating candidate paths according to another embodiment of the present disclosure is schematically shown.

[0103] As described above, in operation S210, at least one candidate path is generated according to at least one to-do business of the target user. In one implementable manner, as Figure 7 shown, this operation may further include operations S710 to S720.

[0104] In operation S710, in response to obtaining the to-do business, an extended business associated with the to-do business is generated.

[0105] In operation S720, at least one candidate path is generated according to the to-do business and the extended business.

[0106] Exemplarily, the extended business is an additional task generated according to requirements during the execution of the to-do business. For example, if a user is applying for a loan, the extended business may be "credit score check" or "guarantor information filling", etc.

[0107] In one example, when a user applies for a loan, the target path may be "Loan Application [Authorized Terminal of Branch A] → Credit Assessment [Loan Window of Branch A] → Loan Approval [Loan Window of Branch A]". At the service node of credit assessment, "guarantor information filling" also needs to be carried out. Then, it is necessary to add a service node for guarantor information filling [Authorized Terminal of Branch A]. Then, it is necessary to re-generate the candidate path according to the newly added service node for guarantor information filling [Authorized Terminal of Branch A] and screen the target path.

[0108] As described above, the method for assisting in handling banking services in this embodiment may further include operations: sending the target path to the terminal device of the target user, and displaying status information in the service nodes of the target path.

[0109] Exemplarily, after the system generates the target path, it may send the target path to the terminal device of the target user through applications, message services, push notifications, etc. The device may be the user's mobile phone, computer or other intelligent terminals.

[0110] The application or interface on the terminal device will dynamically display status information according to the current status of each service node. For example, the user may see a roadmap of the target path or information such as "loan application completed" or "credit assessment [loan window at Branch A] needs to wait for 20 minutes". The user can understand the route and progress of business handling based on these status information and perform subsequent operations when necessary.

[0111] In some embodiments, for the generation of the target path, it can be achieved by constructing a digital twin model.

[0112] According to the actual situation of the bank branch data center, use physical modeling and 3D modeling technologies to construct a digital twin model. The model should be able to reflect in detail information such as the physical structure, equipment configuration, and operating environment of the branch. Deploy sensors and Internet of Things devices at key positions in the data center to collect data such as the operating status and environmental parameters of the data center in real time. At the same time, integrate data such as business data and customer information of the bank branch into the model. Use the digital twin model for simulation analysis to simulate the operating status and performance of the data center.

[0113] On the one hand, collect the to-be-handled business of the target user, the status information of each service node, the location information of the target user, etc. through sensors and Internet of Things devices, and input them into the digital twin model to calculate the target path.

[0114] On the other hand, through the digital twin model, conduct real-time monitoring of the data center, and issue early warnings in a timely manner when abnormal situations and potential risks are found. Perform operations such as fault troubleshooting, performance tuning, and security reinforcement on the data center through automated and intelligent means.

[0115] Furthermore, when the user enters the bank, identify the customer through video recognition technology, calculate which services recommended by the current branch are suitable for the customer, and recommend them to the customer. Identify the list of services that can be self-handled by the customer among the to-be-handled services and push them to the customer's mobile phone together. The customer's mobile phone can access the model by turning on the camera, and use AR technology to guide the customer to handle the business according to the target path.

[0116] Based on the above method for assisting in handling banking business, the present disclosure also provides an apparatus for assisting in handling banking business. The following will be combined with Figure 8 to describe the apparatus in detail.

[0117] Figure 8 The structural block diagram of the apparatus for assisting in handling banking business according to an embodiment of the present disclosure is schematically shown.

[0118] As Figure 8 shown, the apparatus 800 for assisting in handling banking business in this embodiment includes a generation module 810, an acquisition module 820, and a determination module 830.

[0119] The generation module 810 is configured to generate at least one candidate path according to at least one to-be-handled business of the target user. The candidate path includes a plurality of service nodes, and the service node represents a handling location associated with at least one to-be-handled business of the target user. In one embodiment, the generation module 810 may be configured to execute the operation S210 described above, which will not be elaborated here.

[0120] The acquisition module 820 is configured to acquire the status information of the service node and the location information of the target user. The status information represents the waiting duration of the service node, and the location information represents the distance between the target user and the service node. In one embodiment, the acquisition module 820 may be configured to execute the operation S220 described above, which will not be elaborated here.

[0121] The determination module 830 is configured to determine a target path from at least one candidate path according to the location information and the status information. In one embodiment, the determination module 830 may be configured to execute the operation S230 described above, which will not be elaborated here.

[0122] According to an embodiment of the present disclosure, any plurality of the generation module 810, the acquisition module 820, and the determination module 830 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the generation module 810, the acquisition module 820, and the determination module 830 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or any other reasonable way of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the generation module 810, the acquisition module 820, and the determination module 830 may be at least partially implemented as a computer program module, and when the computer program module is run, it can perform corresponding functions.

[0123] Figure 9 A block diagram of an electronic device suitable for implementing a method for assisting in handling banking business according to an embodiment of the present disclosure is schematically shown.

[0124] As Figure 9 shown, the electronic device 900 according to an embodiment of the present disclosure includes a processor 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage section 908 into a random access memory (RAM) 903. The processor 901 may include, for example, a general microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 901 may also include on-board memory for caching purposes. The processor 901 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0125] In the RAM 903, various programs and data required for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flow according to an embodiment of the present disclosure by executing the programs in the ROM 902 and / or the RAM 903. It should be noted that the program may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flow according to an embodiment of the present disclosure by executing the programs stored in one or more memories.

[0126] According to an embodiment of the present disclosure, the electronic device 900 may further include an input / output (I / O) interface 905, and the input / output (I / O) interface 905 is also connected to the bus 904. The electronic device 900 may further include one or more of the following components connected to the input / output (I / O) interface 905: an input portion 906 including a keyboard, a mouse, etc.; an output portion 907 including such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage portion 908 including a hard disk, etc.; and a communication portion 909 including a network interface card such as a LAN card, a modem, etc. The communication portion 909 performs communication processing via a network such as the Internet. The drive 910 is also connected to the input / output (I / O) interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 910 as needed so that a computer program read therefrom is installed into the storage portion 908 as needed.

[0127] The present disclosure also provides a computer-readable storage medium, which may be included in the device / device / system described in the above embodiments; or may exist separately without being assembled into the device / device / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiments of the present disclosure is implemented.

[0128] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, device, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the above-described ROM 902 and / or RAM 903 and / or one or more memories other than ROM 902 and RAM 903.

[0129] An embodiment of the present disclosure further includes a computer program product, which includes a computer program, and the computer program includes program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to cause the computer system to implement the method for assisting in handling banking services provided by the embodiments of the present disclosure.

[0130] When the computer program is executed by the processor 901, the above functions defined in the system / apparatus of the embodiments of the present disclosure are executed. According to the embodiments of the present disclosure, the above-described systems, apparatuses, modules, units, etc. can be implemented by computer program modules.

[0131] In one embodiment, the computer program can rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program can also be transmitted and distributed in the form of signals on a network medium, and be downloaded and installed through the communication part 909, and / or be installed from the removable medium 911. The program code included in the computer program can be transmitted by any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0132] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 909, and / or be installed from the removable medium 911. When the computer program is executed by the processor 901, the above functions defined in the system of the embodiments of the present disclosure are executed. According to the embodiments of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. can be implemented by computer program modules.

[0133] According to the embodiments of the present disclosure, the program code for executing the computer program provided in the embodiments of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include but are not limited to, such as Java, C++, python, the "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, by using an Internet service provider to connect through the Internet).

[0134] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a segment of a program, or a portion of code, which contains one or more executable instructions for implementing a specified logical function. It should also be noted that, in some alternative implementations, the functions noted in the blocks may occur in a different order than that noted in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, or they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and combinations of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or by a combination of dedicated hardware and computer instructions.

[0135] Those skilled in the art will appreciate that the features described in the various embodiments of the present disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features described in the various embodiments of the present disclosure can be combined and / or combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0136] The embodiments of the present disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments have been described separately above, this does not mean that the measures in the various embodiments cannot be used advantageously in combination. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. A method for assisting in handling banking business, characterized in that, The method includes: Generating at least one candidate path according to at least one to-do service of the target user, where the candidate path includes multiple service nodes, and the service nodes represent handling locations associated with at least one to-do service of the target user; Obtaining status information of the service nodes and location information of the target user, where the status information represents the waiting duration of the service nodes, and the location information represents the distance between the target user and the service nodes; Determining a target path from the at least one candidate path according to the location information and the status information.

2. The method according to claim 1, wherein The generating at least one candidate path according to at least one to-do service of the target user includes: Generating at least one initial path according to at least one to-do service of the target user; When the initial path meets a first preset condition, taking the initial path as a candidate path, where the first preset condition represents service handling rules.

3. The method according to claim 1 or 2, characterized in that, The method further includes: Determining an evaluation value of the service node according to the location information and environmental information, where the environmental information represents the population density and facility score of the service node, and the evaluation value represents the service effect of the service node.

4. The method according to claim 3, wherein Determining a target path from the at least one candidate path according to the location information and the status information includes: Constructing an objective function for the candidate path according to the location information and the status information; When the objective function meets a second preset condition, determining the candidate path as the target path, where the second preset condition represents that the objective function of the candidate path is the minimum value.

5. The method according to claim 4, wherein Constructing an objective function for the candidate path according to the location information and the status information includes: Obtaining historical behavior data of the target user, where the historical behavior data represents the preferences of the target user for service handling; Determining weight values for the location information and the status information in the objective function according to the historical behavior data; Constructing an objective function for the candidate path according to the location information, the status information, and the weight values.

6. The method according to claim 1, characterized in that The method further includes: Obtaining update information of the current service node regarding the at least one to-do service, where the update information represents the addition or deletion of service nodes for the to-do service; Updating the candidate path according to the update information.

7. The method according to claim 1, wherein Generating at least one candidate path according to at least one to-do service of the target user includes: Responding to obtaining the to-do service, generating an extended service associated with the to-do service; Generating at least one candidate path according to the to-do service and the extended service.

8. The method according to claim 1, characterized in that The method further includes: Sending the target path to the terminal device of the target user and displaying status information in the service nodes of the target path.

9. An apparatus for assisting in handling banking business, characterized in that, The device includes: A generating module, configured to generate at least one candidate path according to at least one to-do service of the target user, where the candidate path includes multiple service nodes, and the service nodes represent handling locations associated with at least one to-do service of the target user; An acquisition module, configured to acquire status information of the service node and location information of the target user, where the status information represents the waiting duration of the service node, and the location information represents the distance between the target user and the service node; and A determination module, configured to determine a target path from the at least one candidate path according to the location information and the status information.

10. An electronic device, comprising: One or more processors; A memory, configured to store one or more computer programs, Characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, The computer program or instruction, when executed by the processor, implements the steps of the method according to any one of claims 1 to 8.

12. A computer program product comprising a computer program or instructions, characterized in that, The computer program or instruction, when executed by the processor, implements the steps of the method according to any one of claims 1 to 8.

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