Business processing method and device and computer readable storage medium

Abstract

The invention discloses a business processing method and device and a computer readable storage medium. Relates to the field of digital employees, and the method comprises the steps: obtaining account features corresponding to a target account and business features of a to-be-processed business, the account features representing business processing efficiency demands of the target account, and the to-be-processed business representing bank businesses in a meta-universe system; based on the account features and the service features, determining demand urgency degrees of the target account in N processing stages corresponding to the to-be-processed service, N being a positive integer; and based on the demand urgency degrees corresponding to the N processing stages, determining processing methods corresponding to the N processing stages. Through the method and the device, the technical problems of poor user experience and certain resource waste caused by the fact that differentiated services cannot be provided according to the characteristics of the user in the current meta-universe system in the prior art are solved.

Description

Technical Field

[0001] The present application relates to the field of digital employees, and more specifically, to a business processing method, device, and computer-readable storage medium. Background Art

[0002] Existing technologies offer solutions for handling real-world banking transactions for users through the Metaverse system. This approach saves users time, reduces banks' labor and material costs, and improves their efficiency. While existing technologies offer a degree of convenience and efficiency in banking services within the Metaverse, they lack personalized services, particularly by failing to tailor service strategies and interaction models to the urgency of user needs in different business scenarios.

[0003] Existing technologies don't address the issue of how the Metaverse system can provide personalized, differentiated services to users in different scenarios. In the Metaverse environment, users' needs and service experiences for different types of banking services are not segmented and customized, and there's a lack of effective utilization of user and service profile information to provide services more tailored to their needs.

[0004] Regarding the technical problem in the current metaverse system in related technologies that it is unable to provide differentiated services based on the characteristics of users, resulting in a poor user experience and a certain amount of resource waste, no effective solution has been proposed yet. Summary of the Invention

[0005] The main purpose of this application is to provide a business processing method, device and computer-readable storage medium to solve the technical problem in the related technology that the current metaverse system cannot provide differentiated services according to the characteristics of users, resulting in poor user experience and a certain amount of resource waste.

[0006] To achieve the above objectives, according to one aspect of the present application, a business processing method is provided. The method comprises: obtaining account characteristics corresponding to a target account and business characteristics of a pending business, wherein the account characteristics represent the target account's efficiency requirements for business processing, and the pending business represents banking business in the Metaverse system; based on the account characteristics and business characteristics, determining the urgency of the target account's requirements for N processing stages corresponding to the pending business, where N is a positive integer; and determining a processing method corresponding to each of the N processing stages based on the urgency of the requirements.

[0007] Optionally, obtaining account characteristics corresponding to the target account includes: obtaining business processing information corresponding to each of the multiple business types in the historical business processing process of the target account, wherein the business processing information includes at least one of the following: click frequency, no operation time and page stay time; based on the business processing information corresponding to each of the multiple business types, determining the business processing efficiency requirements of the target account corresponding to each of the multiple business types; based on the business processing efficiency requirements of the target account corresponding to each of the multiple business types, determining the account characteristics.

[0008] Optionally, based on the account characteristics and business characteristics, the urgency of the target account's needs for N processing stages corresponding to the business to be processed is determined, including: determining the target business type corresponding to the business to be processed based on the business characteristics; selecting account characteristics corresponding to the target business type from the account characteristics based on the target business type; and determining the urgency of the target account's needs for the N processing stages corresponding to the business to be processed based on the account characteristics corresponding to the target business type from the account characteristics.

[0009] Optionally, based on the urgency of the demand corresponding to each of the N processing stages, determining the processing method corresponding to each of the N processing stages includes: obtaining the correspondence between the urgency of the demand and the processing method; based on the correspondence, determining the processing method corresponding to each of the N processing stages according to the urgency of the demand corresponding to each of the N processing stages.

[0010] Optionally, feedback results of the target account on the processing methods corresponding to each of the N processing stages are obtained; and based on the feedback results, the correspondence between the urgency of the demand and the processing method is adjusted.

[0011] Optionally, the corresponding relationship includes a processing method corresponding to the urgency of demand that is higher than a preset threshold and a processing method corresponding to the urgency of demand that is lower than the preset threshold, wherein the processing method corresponding to the urgency of demand that is higher than the preset threshold includes adjusting the virtual character image in the page corresponding to the pending business, and the processing method corresponding to the urgency of demand that is lower than the preset threshold includes reducing the frequency of reminders to the target account to process the pending business.

[0012] To achieve the above-mentioned objectives, according to another aspect of the present application, a business processing device is provided. The device includes: an acquisition module for acquiring account characteristics corresponding to a target account and business characteristics of a pending business, wherein the account characteristics represent the target account's efficiency requirements for business processing, and the pending business represents banking business in the Metaverse system; a first determination module for determining, based on the account characteristics and business characteristics, the urgency of the target account's requirements for N processing stages corresponding to the pending business, where N is a positive integer; and a second determination module for determining, based on the urgency of the requirements corresponding to each of the N processing stages, a processing method corresponding to each of the N processing stages.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, which includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned business processing methods.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided, comprising: a memory storing an executable program; and a processor for running the program, wherein when the program is running, any one of the business processing methods in the claims above is executed.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is provided, comprising computer instructions, which implement the steps of any one of the above-mentioned business processing methods when executed by a processor.

[0016] In an embodiment of the present application, a business processing method is adopted to obtain the account characteristics corresponding to the target account and the business characteristics of the business to be processed, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the business to be processed represents the banking business in the metaverse system; based on the account characteristics and business characteristics, the urgency of the target account's demand for the N processing stages corresponding to the business to be processed is determined, wherein N is a positive integer; based on the urgency of the demand corresponding to each of the N processing stages, the processing method corresponding to each of the N processing stages is determined, thereby achieving the purpose of providing differentiated services to users, thereby achieving the technical effect of improving user experience and resource utilization, and further solving the technical problem that the current metaverse system cannot provide differentiated services according to user characteristics, resulting in poor user experience and a certain amount of resource waste. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The accompanying drawings, which constitute part of this application, are intended to provide a further understanding of this application. The exemplary embodiments and descriptions of this application are intended to explain this application and do not constitute an improper limitation on this application. In the accompanying drawings:

[0018] Figure 1 A hardware structure block diagram of a computer terminal for implementing a business processing method is shown;

[0019] Figure 2 is a flowchart of a business processing method provided according to an embodiment of the present application;

[0020] Figure 3 This is a structural block diagram of a service processing device provided according to an embodiment of the present application;

[0021] Figure 4 This is a structural block diagram of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0022] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0023] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in a sequence other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0024] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation portals for users to choose to agree or refuse the automated decision-making results; if the user chooses to refuse, the expert decision-making process will be entered.

[0025] Example 1

[0026] According to an embodiment of the present application, a method embodiment of business processing is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0027] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1FIG1 shows a hardware structure block diagram of a computer terminal for implementing a business processing method. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (illustrated as 102a, 102b, ..., 102n in the figure) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It will be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components than shown, or with Figure 1 Different configurations shown.

[0028] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuitry may be a single independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0029] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the business processing method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implementing the above-mentioned business processing method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include a memory remotely located relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0030] The transmission device 106 is configured to receive or transmit data via a network. A specific example of the aforementioned network may include a wireless network provided by the communications provider of the computer terminal 10. In one embodiment, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to enable communication with the Internet. In another embodiment, the transmission device 106 may be a radio frequency (RF) module, which is configured to communicate with the Internet wirelessly.

[0031] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0032] Under the above operating environment, this application provides Figure 2 The business processing method shown. Figure 2 This is a flowchart of a business processing method provided according to an embodiment of the present application.

[0033] Step S201 , obtaining the account characteristics corresponding to the target account and the business characteristics of the pending business, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the pending business represents the banking business in the Metaverse system.

[0034] The Metaverse is a comprehensive futuristic concept, referring to a highly immersive, internet-powered virtual world that allows users to socialize, work, entertain, shop, and engage in a variety of other activities digitally, just as they would in the real world. The Metaverse integrates banking services, leveraging virtual reality, augmented reality, and other high-tech tools to create an immersive, virtual banking environment. Through the Metaverse, users can enter a virtual bank lobby and, just like at a physical bank, interact face-to-face with virtual tellers or customer service representatives to conduct various banking transactions, such as deposits, loan inquiries, and purchase financial products, eliminating the need to physically visit a bank, saving time and costs.

[0035] In this step, to provide personalized services, the account characteristics corresponding to the target account can be obtained. The target account can be the account registered in the Metaverse system. Account characteristics can represent the target account's requirements for business processing efficiency. For example, the target account's response to different types of services varies. Users of savings and transfer services may prioritize security and transaction speed, while users of loans and credit services may be more concerned with terms and interest rates, and users of investment and wealth management products may be more concerned with security or profitability. Account characteristics can also include the business processing preferences of the user corresponding to the target account. For example, some users may prefer to conduct banking transactions during off-hours, while others may prefer service during normal business hours on weekdays. Alternatively, some users may prefer frequent reminders about account balances and transaction confirmations, while others may prefer fewer unnecessary notifications to avoid interruptions. Obtaining account characteristics and business characteristics enables the system to intelligently allocate resources to avoid resource waste, understand and meet users' personalized needs, and provide efficient services based on business characteristics. This can significantly improve user satisfaction and enhance user trust and loyalty to banking services.

[0036] Step S202 : Based on the account characteristics and the business characteristics, determine the urgency of the target account's needs for N processing stages corresponding to the business to be processed, where N is a positive integer.

[0037] In this step, different banking services have different processing stages. Using the account and service characteristics from the previous step, we can determine the urgency of the user's needs for the various stages of the pending service, facilitating the subsequent provision of differentiated services. The process for a pending service can be broken down into multiple stages, such as appointment, preparation, execution, and closing. Each stage has its own unique service requirements and user focus.

[0038] Optionally, by collecting account characteristics of the target account, including but not limited to account type, historical transaction records, fund flow patterns, user behavior habits, preference settings, and specific needs related to the pending business, and analyzing the data, it is possible to infer the user's importance and urgency of specific banking services. Evaluating the business characteristics of the pending business, such as business type (deposits, loans, investments, insurance, etc.), business timeliness (short-term, long-term), operational complexity, and risk level, can help understand the nature of the business itself and how it may affect the urgency of the user's needs.

[0039] Step S203 : determining the processing methods corresponding to the N processing stages based on the urgency of the requirements corresponding to the N processing stages.

[0040] In this step, based on the urgency of the needs corresponding to the different processing stages in the pending business, different processing methods can be set at different processing stages to adapt to the user's needs, achieve differentiated services, and enhance the user experience. Among them, the urgency of the needs can be divided into three parts: low, medium, and high. The different processing methods corresponding to the different urgency of the needs at each stage may include: in the business preparation stage (low urgency of the needs), choose to remind the user with a lower frequency; in the business appointment and decision-making stage (medium urgency of the needs), recommend more content prompts of related businesses to the user; in the business execution stage (high urgency of the needs), remind through a virtual assistant. Setting different processing methods based on different urgency of needs can provide users with differentiated services and enhance user experience.

[0041] Optionally, within the Metaverse system, user needs at each stage of transaction processing (e.g., appointment, preparation, execution, and termination) must first be comprehensively analyzed based on previously collected account and transaction characteristics. Appropriate processing methods can be designed and implemented for each stage based on the urgency of these needs. The interaction model for users associated with the target account can be adjusted, and information presentation optimized, depending on the needs of the transaction. This allows banking transactions within the Metaverse system to efficiently and accurately respond to user needs at different stages, enhancing service personalization and user experience satisfaction.

[0042] Through the above steps, the purpose of providing differentiated services to users can be achieved, thereby realizing the technical effect of improving user experience and resource utilization, and further solving the technical problem that the current metaverse system cannot provide differentiated services based on user characteristics, resulting in poor user experience and a certain amount of resource waste.

[0043] As an optional embodiment, obtaining account characteristics corresponding to the target account includes: obtaining business processing information corresponding to each of the multiple business types in the historical business processing process of the target account, wherein the business processing information includes at least one of the following: click frequency, no operation time, and page stay time; based on the business processing information corresponding to each of the multiple business types, determining the business processing efficiency requirements of the target account corresponding to each of the multiple business types; based on the business processing efficiency requirements of the target account corresponding to each of the multiple business types, determining the account characteristics.

[0044] Optionally, by obtaining data from the target account's historical business processing, analyzing and organizing it, and making judgments based on preset thresholds, the target account's business processing information for different banking businesses can be obtained, where the business processing information is the various operations performed by the target account in historical businesses, such as click frequency, no operation time, and page stay time, etc. Based on this business processing information, the target account's processing requirements for different businesses can be obtained, and ultimately the account characteristics of the target account can be obtained.

[0045] For example, you can set up automatic or periodic capture of target account history for various banking transactions (such as transfers, deposits, loan applications, product purchases, and customer service inquiries). This data can be used to collect transaction processing information for different transaction types, including but not limited to click frequency (user interface activity), inactivity time (the period of time during which a user does not perform any action on a specific page or state), and page dwell time (the length of time a user remains on a transaction processing page). By counting the click frequency of users across different transaction types, we can quantify their attention to specific transactions and operational efficiency. By recording the length of time users remain inactive at each transaction processing stage, we can analyze their patience and expectations for service responsiveness. By counting the average time users spend on a transaction page, we can understand their needs for information depth and decision-making time. A series of thresholds can be defined to convert this transaction processing information into quantitative indicators of demand urgency. For example, a click frequency threshold can be set, with a threshold below which indicates a low demand and a threshold above which indicates a high demand. By comparing user performance data for different transaction types against the preset thresholds, we can determine the urgency of the user's needs at each transaction processing stage. We can also use the urgency of user needs across different service types and processing stages as key features, combined with basic user information (such as age, occupation, and region) and behavioral tendencies (such as preferred usage time and preferred communication channels) to gradually build a user profile that incorporates diverse information. Determining account characteristics based on historical data helps banking service providers in the Metaverse system gain a deeper understanding of user needs, optimize service processes, and improve service quality. This allows us to build a comprehensive and accurate account feature model based on historical user data, providing a tailored service experience for each target account.

[0046] As an optional embodiment, based on the account characteristics and business characteristics, the urgency of the target account's needs for N processing stages corresponding to the business to be processed is determined, including: based on the business characteristics, determining the target business type corresponding to the business to be processed; based on the target business type, selecting account characteristics corresponding to the target business type in the account characteristics; based on the account characteristics corresponding to the target business type in the account characteristics, determining the urgency of the target account's needs for the N processing stages corresponding to the business to be processed.

[0047] Optionally, by matching the target account's interest in different businesses obtained in the above steps with the business types of the businesses to be processed, the urgency of the target account's needs for different processing stages of different businesses can be obtained.

[0048] For example, analyze the characteristics of the pending transactions, including their type, timeliness, risk level, and operational complexity. For example, quick payment transactions emphasize efficiency and real-time performance, while wealth management product subscriptions focus on identifying investment opportunities and assessing risk. Based on these transaction characteristics, identify the specific transaction type to be processed, such as a deposit, loan, investment, or customer service request. This serves as the basis for selecting account features and formulating service strategies. From the account feature database, select account features directly related to the identified transaction type. Based on these account and transaction characteristics, determine the urgency of the target account's needs during the transaction processing phase. For example, for a redemption transaction involving an expiring wealth management product, a user may demonstrate a low level of urgency before the expiration date, but this level of urgency increases significantly closer to the expiration date. Matching services to the urgency of user needs can significantly improve the user experience.

[0049] As an optional embodiment, based on the urgency of the demand corresponding to each of the N processing stages, determining the processing method corresponding to each of the N processing stages includes: obtaining the correspondence between the urgency of the demand and the processing method; based on the correspondence, determining the processing method corresponding to each of the N processing stages according to the urgency of the demand corresponding to each of the N processing stages.

[0050] Optionally, the correspondence between different demand urgency and processing methods can be set in advance. The above steps can be used to obtain the demand urgency of the target account at different processing stages of the business to be processed. Different processing methods can be selected according to the demand urgency to achieve personalized differentiated services.

[0051] The multiple processing stages of pending transactions can be categorized as appointment, preparation, execution, and closure. Each stage corresponds to a different level of urgency, and each level of urgency warrants a different approach. For example, during the appointment stage, when urgency is low, the system can use non-intrusive reminders, such as virtual emails or non-pop-up notifications, to avoid interrupting the user while still providing sufficient information. During the preparation stage, when urgency begins to increase, the system can proactively push relevant preparation guides, confirm terms, and other features to help users successfully complete preparatory tasks. During the execution stage, especially for time-sensitive transactions such as stock trading and foreign exchange trading, the system should provide real-time data and a responsive interface to ensure users can make and execute decisions quickly. During the closure stage, even when urgency decreases, the system should ensure the integrity of the transaction, such as by sending a confirmation of completion, providing an electronic voucher, or providing follow-up service recommendations. Information presentation can also be optimized based on the specific needs of users at each stage. For example, during the execution stage, the system interface should highlight key transaction parameters and action buttons, while during the closure stage, a detailed summary and recommendations could be provided to help users review and plan future actions. Setting different processing methods based on the different urgency of needs realizes personalized differentiated services and improves user experience.

[0052] As an optional embodiment, feedback results of the target account on the processing methods corresponding to each of the N processing stages are obtained; based on the feedback results, the correspondence between the urgency of the demand and the processing method is adjusted.

[0053] Optionally, different users may have different feedback on the differentiated services provided. Therefore, we can obtain the feedback results of the target accounts for different processing methods and adjust the correspondence between the urgency of the needs and the processing methods based on the feedback results to better meet user habits and improve user satisfaction.

[0054] A variety of feedback collection mechanisms can be designed, including but not limited to direct user evaluations (such as ratings and comments), behavioral data (such as click-through rates and conversion rates), and indirect feedback (such as exit rates and complaint rates). Each processing stage can have corresponding feedback indicators to comprehensively evaluate the service effect. In the metaverse environment, virtual feedback portals can be designed for users, such as virtual customer service and feedback mailboxes, to encourage users to leave their opinions and feelings after encountering problems or completing services so that the system can conduct accurate analysis. The collected feedback data is quantified and converted into indicators that are easy to understand and analyze, such as satisfaction scores and problem-solving efficiency. This helps the system objectively evaluate the effectiveness of the corresponding processing methods in each of the N processing stages. By comparing the feedback results of different time points and different processing methods, it is possible to identify trend changes in service effectiveness and which factors may affect the user's perception of the urgency of needs.

[0055] Based on feedback, the system can adjust the relationship between demand urgency and response methods. For example, if it discovers that users' need for information during the preparation phase of a service is more urgent than expected, but the system's information push methods fail to fully meet this need, the system should adjust the push frequency and content richness. Adjustments aren't just static changes; they can also dynamically match the most appropriate response method based on feedback, ensuring that services not only meet users' current needs but also proactively address future needs. This allows the system to learn from user feedback, continuously adjust and optimize service strategies, and achieve a deeper level of personalized service.

[0056] As an optional embodiment, the corresponding relationship includes a processing method corresponding to the urgency of demand that is higher than a preset threshold and a processing method corresponding to the urgency of demand that is lower than the preset threshold, wherein the processing method corresponding to the urgency of demand that is higher than the preset threshold includes adjusting the virtual character image in the page corresponding to the pending business, and the processing method corresponding to the urgency of demand that is lower than the preset threshold includes reducing the frequency of reminders to the target account to process the pending business.

[0057] Optionally, based on a series of thresholds set for the business processing information under different business types in the above steps, the urgency of the demand can be determined. Different urgency levels of demand can be associated with different avatar images. The thresholds can be adjusted according to the business type and user group characteristics to adapt to different scenario needs.

[0058] When the system detects that the urgency of a user's service request exceeds a preset threshold, it can adjust the avatar's appearance on the service page within the Metaverse environment. For example, the avatar's appearance can be made more friendly and active to enhance user interest and a sense of urgency. The avatar can convey information more directly through voice, expressions, and body language, guiding users to complete operations quickly. This improves the system's ability to respond immediately to user requests and shortens service processing time. For example, users with high-urgency service requests can be provided with VIP-level online customer service support to ensure efficient and timely problem resolution. For users whose service requests fall below the preset threshold, the system should adjust its reminder strategy to reduce the frequency of reminders for target accounts, avoid disrupting users' normal activity, and improve user satisfaction. For example, for non-urgent financial product expiration notifications, a one-time reminder via SMS or email can be sent during off-peak hours of the day. Even with reduced reminder frequency, it is important to ensure that the information pushed is relevant and valuable to users, avoiding unnecessary information. The system can use intelligent algorithms to filter and push information that closely matches user interests and needs, such as banking events and promotions. The system can also adjust its interaction mode with users based on the needs of the processing stage. For example, when the demand is more urgent, the system can activate the virtual butler service, providing real-time consultation, guidance, and assistance in a more humane and intuitive manner. Meanwhile, when the demand is less urgent, it can adopt an automated, self-service model to reduce manual intervention. This effectively responds to the urgency of user needs and flexibly adjusts the service model according to different business scenarios and user characteristics, thus improving the user experience.

[0059] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0060] Example 2

[0061] The embodiment of the present application further provides a service processing device. It should be noted that the service processing device of the embodiment of the present application can be used to execute the service processing method provided in the embodiment of the present application. The service processing device provided in the embodiment of the present application is introduced below.

[0062] According to an embodiment of the present application, a device for implementing the above-mentioned service processing method is also provided, such as Figure 3 As shown, the device includes: an acquisition module 302, a first determination module 304 and a second determination module 306. The service processing device is described below.

[0063] An acquisition module 302 is configured to acquire account characteristics corresponding to a target account and business characteristics of a pending business, wherein the account characteristics represent the target account's efficiency requirements for business processing, and the pending business represents banking business in the Metaverse system;

[0064] A first determining module 304, connected to the obtaining module 302, is configured to determine the urgency of the target account's needs for N processing stages corresponding to the pending business based on the account characteristics and the business characteristics, where N is a positive integer;

[0065] The second determining module 306 is connected to the first determining module 304 and is configured to determine a processing method corresponding to each of the N processing stages based on the urgency of the requirements corresponding to each of the N processing stages.

[0066] It should be noted that the acquisition module 302, the first determination module 304, and the second determination module 306 correspond to steps S201 to S203 in Example 1. The examples and application scenarios implemented by the two modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned Example 1. It should be noted that the above-mentioned modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above-mentioned modules can also be run as part of the device in the computer terminal 10 provided in Example 1.

[0067] Optionally, in the business processing device provided in the embodiment of the present application, the acquisition module is used to obtain account characteristics corresponding to the target account, including: a first acquisition unit, used to obtain business processing information corresponding to each of the multiple business types of the target account in the historical business processing process, wherein the business processing information includes at least one of the following: click frequency, no operation time and page stay time; a third determination unit, used to determine the business processing efficiency requirements of the target account for each of the multiple business types based on the business processing information corresponding to each of the multiple business types; a fourth determination unit, used to determine the account characteristics based on the business processing efficiency requirements of the target account for each of the multiple business types.

[0068] Optionally, in the business processing device provided in the embodiment of the present application, the first determination module is used to determine the urgency of the target account's needs for the N processing stages corresponding to the business to be processed based on the account characteristics and the business characteristics, including: a fifth determination unit, used to determine the target business type corresponding to the business to be processed based on the business characteristics; a selection unit, used to select the account characteristics corresponding to the target business type in the account characteristics based on the target business type; and a sixth determination unit, used to determine the urgency of the target account's needs for the N processing stages corresponding to the business to be processed based on the account characteristics corresponding to the target business type in the account characteristics.

[0069] Optionally, in the business processing device provided in the embodiment of the present application, the second determination module is used to determine the processing method corresponding to each of the N processing stages based on the degree of urgency of the demand corresponding to each of the N processing stages, including: a second acquisition unit, used to obtain the correspondence between the degree of urgency of the demand and the processing method; a seventh determination unit, used to determine the processing method corresponding to each of the N processing stages based on the correspondence and according to the degree of urgency of the demand corresponding to each of the N processing stages.

[0070] Optionally, the business processing device provided in the embodiment of the present application is also used to obtain feedback results of the target account for the processing methods corresponding to each of the N processing stages; based on the feedback results, adjust the correspondence between the urgency of the demand and the processing method.

[0071] Optionally, the corresponding relationship in the business processing device provided in the embodiment of the present application includes a processing method corresponding to the urgency of demand that is higher than a preset threshold and a processing method corresponding to the urgency of demand that is lower than the preset threshold, wherein the processing method corresponding to the urgency of demand that is higher than the preset threshold includes adjusting the virtual character image in the page corresponding to the business to be processed, and the processing method corresponding to the urgency of demand that is lower than the preset threshold includes reducing the frequency of reminders to the target account to process the business to be processed.

[0072] The business processing device provided in the embodiment of the present application obtains the account characteristics corresponding to the target account and the business characteristics of the business to be processed, wherein the account characteristics represent the target account's efficiency requirements for business processing, and the business to be processed represents the banking business in the metaverse system; based on the account characteristics and business characteristics, the urgency of the target account's requirements for the N processing stages corresponding to the business to be processed is determined, wherein N is a positive integer; based on the urgency of the requirements corresponding to each of the N processing stages, the processing method corresponding to each of the N processing stages is determined, thereby solving the technical problem in the related art that the current metaverse system cannot provide differentiated services based on the characteristics of the user, resulting in a poor user experience and a certain amount of resource waste. This achieves the purpose of providing differentiated services to users, thereby achieving the technical effect of improving user experience and resource utilization.

[0073] Example 3

[0074] An embodiment of the present application may provide an electronic device, Figure 4 This is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 Only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0075] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, implementing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network and a combination thereof.

[0076] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain the account characteristics corresponding to the target account and the business characteristics of the pending business, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the pending business represents the banking business in the metaverse system; based on the account characteristics and business characteristics, determine the urgency of the target account's requirements for the N processing stages corresponding to the pending business, wherein N is a positive integer; based on the urgency of the requirements corresponding to each of the N processing stages, determine the processing method corresponding to each of the N processing stages.

[0077] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtaining account characteristics corresponding to the target account, including: obtaining business processing information corresponding to each of the multiple business types of the target account in the historical business processing process, wherein the business processing information includes at least one of the following: click frequency, no operation time and page stay time; based on the business processing information corresponding to each of the multiple business types, determining the business processing efficiency requirements of the target account for each of the multiple business types; based on the business processing efficiency requirements of the target account for each of the multiple business types, determining the account characteristics.

[0078] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: based on the account characteristics and business characteristics, determine the urgency of the target account's needs for the N processing stages corresponding to the business to be processed, including: based on the business characteristics, determine the target business type corresponding to the business to be processed; based on the target business type, select the account characteristics corresponding to the target business type in the account characteristics; based on the account characteristics corresponding to the target business type in the account characteristics, determine the urgency of the target account's needs for the N processing stages corresponding to the business to be processed.

[0079] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: based on the urgency of the requirements corresponding to each of the N processing stages, determine the processing methods corresponding to each of the N processing stages, including: obtaining the correspondence between the urgency of the requirements and the processing methods; based on the correspondence, determine the processing methods corresponding to each of the N processing stages according to the urgency of the requirements corresponding to each of the N processing stages.

[0080] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the feedback results of the target account for the processing methods corresponding to each of the N processing stages; based on the feedback results, adjust the correspondence between the urgency of the demand and the processing method.

[0081] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the corresponding relationship includes a processing method corresponding to the urgency of the demand that is higher than the preset threshold and a processing method corresponding to the urgency of the demand that is lower than the preset threshold, wherein the processing method corresponding to the urgency of the demand that is higher than the preset threshold includes adjusting the virtual character image in the page corresponding to the pending business, and the processing method corresponding to the urgency of the demand that is lower than the preset threshold includes reducing the frequency of reminders to the target account to process the pending business.

[0082] By adopting the embodiment of the present application, a solution for a business processing method is provided. By obtaining the account characteristics corresponding to the target account and the business characteristics of the business to be processed, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the business to be processed represents the banking business in the metaverse system; based on the account characteristics and business characteristics, the urgency of the target account's demand for the N processing stages corresponding to the business to be processed is determined, wherein N is a positive integer; based on the urgency of the demand corresponding to each of the N processing stages, the processing method corresponding to each of the N processing stages is determined, thereby achieving the purpose of providing differentiated services to users, and further solving the technical problem that the current metaverse system cannot provide differentiated services according to the characteristics of users, resulting in a poor user experience and a certain amount of resource waste.

[0083] It can be understood by those skilled in the art that Figure 4 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (MID), a PAD, or other terminal devices. Figure 4 It does not limit the structure of the above electronic device. For example, the electronic device may also include Figure 4 More or fewer components (such as network interfaces, display devices, etc.) shown in, or with Figure 4Different configurations shown.

[0084] A person skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0085] Example 4

[0086] The embodiment of the present application further provides a computer-readable storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by any one of the service processing methods provided in the above embodiment 1.

[0087] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0088] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: obtaining account characteristics corresponding to the target account and business characteristics of the business to be processed, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the business to be processed represents the banking business in the metaverse system; based on the account characteristics and business characteristics, determining the urgency of the target account's requirements for N processing stages corresponding to the business to be processed, wherein N is a positive integer; and determining the processing method corresponding to each of the N processing stages based on the urgency of the requirements corresponding to each of the N processing stages.

[0089] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: obtaining account characteristics corresponding to the target account, including: obtaining business processing information corresponding to each of the multiple business types of the target account in the historical business processing process, wherein the business processing information includes at least one of the following: click frequency, no operation time and page stay time; based on the business processing information corresponding to each of the multiple business types, determining the business processing efficiency requirements of the target account corresponding to each of the multiple business types; based on the business processing efficiency requirements of the target account corresponding to each of the multiple business types, determining the account characteristics.

[0090] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: based on the account characteristics and business characteristics, determining the urgency of the target account's needs for N processing stages corresponding to the business to be processed, including: based on the business characteristics, determining the target business type corresponding to the business to be processed; based on the target business type, selecting account characteristics corresponding to the target business type in the account characteristics; based on the account characteristics corresponding to the target business type in the account characteristics, determining the urgency of the target account's needs for the N processing stages corresponding to the business to be processed.

[0091] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: based on the degree of urgency of the demand corresponding to each of the N processing stages, determining the processing method corresponding to each of the N processing stages, including: obtaining the correspondence between the degree of urgency of the demand and the processing method; based on the correspondence, determining the processing method corresponding to each of the N processing stages according to the degree of urgency of the demand corresponding to each of the N processing stages.

[0092] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: obtaining feedback results of the target account for the processing methods corresponding to each of the N processing stages; and adjusting the correspondence between the urgency of the demand and the processing method based on the feedback results.

[0093] Optionally, in this embodiment, the computer-readable storage medium is configured to store program code for executing the following steps: the corresponding relationship includes a processing method corresponding to the urgency of demand that is higher than a preset threshold and a processing method corresponding to the urgency of demand that is lower than the preset threshold, wherein the processing method corresponding to the urgency of demand that is higher than the preset threshold includes adjusting the virtual character image in the page corresponding to the pending business, and the processing method corresponding to the urgency of demand that is lower than the preset threshold includes reducing the frequency of reminders to the target account to process the pending business.

[0094] An embodiment of the present invention also provides a computer program product, including a computer program. Optionally, in this embodiment, when the computer program is executed by a processor, it can achieve: obtaining account characteristics corresponding to the target account and business characteristics of the pending business, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the pending business represents the banking business in the metaverse system; based on the account characteristics and business characteristics, determining the urgency of the target account's requirements for N processing stages corresponding to the pending business, wherein N is a positive integer; based on the urgency of the requirements corresponding to each of the N processing stages, determining the processing method corresponding to each of the N processing stages.

[0095] The serial numbers of the above embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0096] In the above embodiments of the present application, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0097] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0098] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.

[0099] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0100] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0101] The above is only a preferred embodiment of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A business processing method, characterized in that: include: Obtaining account characteristics corresponding to the target account and business characteristics of the pending business, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the pending business represents banking business in the Metaverse system; Determining, based on the account characteristics and the business characteristics, the urgency of the target account's needs for N processing stages corresponding to the pending business, where N is a positive integer; Based on the urgency of the requirements corresponding to the N processing stages, a processing method corresponding to each of the N processing stages is determined.

2. The method according to claim 1, characterized in that The obtaining of the account characteristics corresponding to the target account includes: Obtaining business processing information corresponding to each of multiple business types during historical business processing of the target account, wherein the business processing information includes at least one of the following: click frequency, inactivity time, and page dwell time; determining, based on the business processing information corresponding to each of the multiple business types, business processing efficiency requirements corresponding to each of the multiple business types for the target account; The account characteristics are determined based on the business processing efficiency requirements of the target account corresponding to each of the multiple business types.

3. The method according to claim 1, characterized in that The determining, based on the account characteristics and the business characteristics, the urgency of the target account's needs for the N processing stages corresponding to the pending business includes: Determining a target service type corresponding to the service to be processed based on the service characteristics; Based on the target business type, selecting an account feature corresponding to the target business type from the account features; Based on the account characteristics corresponding to the target business type, the urgency of the target account's demand for the N processing stages corresponding to the to-be-processed business is determined.

4. The method according to claim 1, wherein The determining of the processing methods corresponding to the N processing stages based on the urgency of the requirements corresponding to the N processing stages includes: Obtain the correspondence between the urgency of the demand and the treatment method; Based on the corresponding relationship, the processing method corresponding to each of the N processing stages is determined according to the urgency of the requirements corresponding to each of the N processing stages.

5. The method according to claim 4, characterized in that Also includes: Obtaining feedback results of the target account for the processing methods corresponding to each of the N processing stages; Based on the feedback result, the correspondence between the urgency of the demand and the processing method is adjusted.

6. The method according to claim 4, characterized in that The corresponding relationship includes a processing method corresponding to a demand urgency higher than a preset threshold and a processing method corresponding to a demand urgency lower than the preset threshold, wherein the processing method corresponding to a demand urgency higher than the preset threshold includes adjusting the image of a virtual character in a page corresponding to the pending business, and the processing method corresponding to a demand urgency lower than the preset threshold includes reducing the frequency of reminders to the target account to process the pending business.

7. A business processing device, characterized in that: include: An acquisition module, configured to acquire account characteristics corresponding to a target account and business characteristics of a pending business, wherein the account characteristics represent the efficiency requirements of the target account for business processing, and the pending business represents banking business in the Metaverse system; A first determining module is configured to determine, based on the account characteristics and the business characteristics, the urgency of the target account's needs for N processing stages corresponding to the pending business, where N is a positive integer; The second determining module is configured to determine a processing method corresponding to each of the N processing stages based on the urgency of the requirements corresponding to each of the N processing stages.

8. A computer-readable storage medium, characterized in that The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the business processing method according to any one of claims 1 to 6.

9. An electronic device, characterized in that: include: a memory storing an executable program; A processor is used to run the program, wherein the program executes the business processing method according to any one of claims 1 to 6 when running.

10. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the steps of the business processing method according to any one of claims 1 to 6 are implemented.

Images