Intelligent service system driving method, device, equipment and readable storage medium

Abstract

The present application discloses a method, device, equipment and readable storage medium for driving an intelligent service system, wherein the method comprises: receiving communication information sent by a client, and providing business consulting services to the client through an AI intelligent customer service module based on the communication information, obtaining business consulting results, and based on the business consulting results, verifying the identity of the client through an identity verification module, obtaining identity verification results, and based on the identity verification results, identifying the business-related information uploaded by the client through a document review module, obtaining document review results, and including the document review results in a loan reference factor, and based on the loan reference factor, providing corresponding financial products to the corresponding customers of the client through the operation of the loan module. The present application solves the technical problem of low service efficiency of the traditional manual customer service model.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence technology in financial technology (Fintech), and in particular to an intelligent service system driving method, device, equipment and readable storage medium. Background Art

[0002] With the continuous development of financial technology, especially Internet technology finance, more and more technologies (such as distributed, blockchain, artificial intelligence, etc.) are applied in the financial field, but the financial industry also puts forward higher requirements on technology, such as higher requirements on the distribution of corresponding to-do items in the financial industry.

[0003] With the continuous development of artificial intelligence, its application in the financial field is becoming more and more extensive. At present, financial providers usually provide financial product services to customers through traditional manual service systems before providing financial products to enterprises. However, traditional manual service systems are difficult to provide customers with purely online, efficient, high-quality and standardized services, resulting in serious homogeneity of financial products. In addition, in the complex and lengthy customer service process, customers are prone to loss, causing the customer's company to miss the best time for financing, seriously affecting the company's operations, and then leading to the problem of "difficult and expensive financing" for the company. Therefore, there is a technical problem in the current technology that the traditional manual customer service model has low service efficiency. Summary of the invention

[0004] The main purpose of this application is to provide an intelligent service system driving method, device, equipment and readable storage medium, aiming to solve the technical problem of low service efficiency of traditional manual customer service mode in current technology.

[0005] To achieve the above-mentioned purpose, the present application provides an intelligent service system driving method, which is applied to an intelligent service system driving device, and the intelligent service system driving method includes:

[0006] The receiving device receives the communication information sent by the client, and based on the communication information, provides business consulting services to the client through a preset AI (Artificial Intelligence) intelligent customer service module to obtain business consulting results;

[0007] Based on the business consultation result, the identity of the client is verified by an identity verification module to obtain an identity verification result;

[0008] Based on the identity verification result, the business-related information uploaded by the client is identified through the information review module to obtain the information review result, and the information review result is included in the loan reference factor;

[0009] Based on the loan reference factor, the corresponding financial product is provided to the customer corresponding to the client by operating the loan module.

[0010] Optionally, the communication information includes voice information.

[0011] The step of receiving the communication information sent by the client, and providing business consulting services to the client through the AI ​​intelligent customer service module based on the communication information, and obtaining the business consulting results includes:

[0012] Receive the voice information, and convert the voice information into text information through the AI ​​intelligent customer service module;

[0013] Based on the text information, search in a preset intelligent customer service database to obtain business answers;

[0014] The business answer is converted into business voice and sent to the client to obtain the business consultation result.

[0015] Optionally, the identity verification module includes an AI electronic core robot, and the identity verification result includes the customer's willingness confirmation result and the basic information of the enterprise.

[0016] The step of performing identity verification on the client through an identity verification module based on the business consultation result to obtain the identity verification result comprises:

[0017] Based on the business consultation result, the AI ​​electric core robot interacts with the customer through voice to obtain the customer's willingness confirmation result;

[0018] Based on the customer's willingness confirmation result, the basic information of the enterprise is obtained through the voice interaction.

[0019] Optionally, the identity verification module includes an AI quality inspection robot.

[0020] The step of initiating voice interaction with the customer through the AI ​​electric core robot based on the business consultation result includes:

[0021] Obtaining a voice interaction recording corresponding to the voice interaction, and performing quality inspection on the voice interaction recording by the AI ​​quality inspection robot to obtain a quality inspection result;

[0022] The quality inspection results are compared with the preset quality inspection standards, a detailed quality inspection report corresponding to the quality inspection results is generated, and the detailed quality inspection report is included in the loan reference factor.

[0023] Optionally, the identity verification module includes an AI risk control dialogue robot.

[0024] The intelligent service system driving method comprises:

[0025] Obtain customer communication information through the AI ​​risk control dialogue robot, and match the customer communication information with corresponding question and answer suggestions;

[0026] Based on the question and answer suggestions and the customer communication information, customer risk information is obtained through the AI ​​risk control dialogue robot, and the customer risk information is included in the loan reference factor.

[0027] Optionally, the document review module includes an AI text recognition engine, and the business-related documents include review document images.

[0028] The step of identifying the business-related information uploaded by the client through the information review module and obtaining the information review result comprises:

[0029] Receiving the audit document picture uploaded by the client, and identifying the audit document picture through the AI ​​text recognition engine to obtain an image type recognition result;

[0030] Based on the image type recognition result, the text in the audit document image is parsed to obtain a text parsing result;

[0031] Based on the text parsing result, the audit data corresponding to the audit data image is verified to obtain the data audit result.

[0032] Optionally, the loan operation module includes a face recognition module.

[0033] The step of providing corresponding financial products to the customer corresponding to the client by operating the loan module based on the loan reference factor comprises:

[0034] Based on the loan reference factor, confirm the financial product amount by operating the loan module;

[0035] The face recognition module performs face recognition detection on the customer, and if the face recognition detection passes, the financial product corresponding to the financial product limit is provided to the customer.

[0036] The present application also provides an intelligent service system driving device, which is applied to an intelligent service system driving device, and the intelligent service system driving device includes:

[0037] A business consulting module is used to receive the communication information sent by the client, and provide business consulting services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consulting results;

[0038] An identity verification module, used to verify the identity of the client through the identity verification module based on the business consultation result to obtain an identity verification result;

[0039] A document review module is used to identify the business-related documents uploaded by the client based on the identity verification result, obtain the document review result, and include the document review result in the loan reference factor;

[0040] An operating loan module is used to provide corresponding financial products to the customers corresponding to the client through the operating loan module based on the loan reference factor.

[0041] Optionally, the business consulting module includes:

[0042] A first conversion unit, configured to receive the voice information and convert the voice information into text information through the AI ​​intelligent customer service module;

[0043] A retrieval unit, configured to search a preset intelligent customer service database based on the text information to obtain a business answer;

[0044] The second conversion unit is used to convert the business answer into business voice and send it to the client to obtain the business consultation result.

[0045] Optionally, the identity verification module includes:

[0046] A voice interaction unit, used for performing voice interaction with the customer through the AI ​​electric core robot based on the business consultation result to obtain the customer's willingness confirmation result;

[0047] An acquisition unit is used to acquire the basic information of the enterprise through the voice interaction based on the result of the customer's willingness confirmation.

[0048] Optionally, the identity verification module further includes:

[0049] A quality inspection unit, configured to obtain a voice interaction recording corresponding to the voice interaction, and perform quality inspection on the voice interaction recording through the AI ​​quality inspection robot to obtain a quality inspection result;

[0050] A generating unit is used to compare the quality inspection result with a preset quality inspection standard, generate a detailed quality inspection report corresponding to the quality inspection result, and include the detailed quality inspection report in the loan reference factor.

[0051] Optionally, the intelligent service system driving device further includes:

[0052] A matching module, used to obtain customer communication information through the AI ​​risk control dialogue robot and match the customer communication information with corresponding question and answer suggestions;

[0053] An acquisition module, configured to acquire customer risk information through the AI ​​risk control dialogue robot based on the question and answer suggestions and the customer communication information, and include the customer risk information in the loan reference factor;

[0054] A selection module is used to confirm whether to provide corresponding financial products to the customer based on the customer risk information.

[0055] Optionally, the data review module includes:

[0056] An identification unit, configured to receive the audit document picture uploaded by the client, and identify the audit document picture through the AI ​​text recognition engine to obtain an image type recognition result;

[0057] A parsing unit, configured to parse the text in the audit document image based on the image type recognition result to obtain a text parsing result;

[0058] A verification unit is used to verify the audit data corresponding to the audit data image based on the text parsing result to obtain the data audit result.

[0059] Optionally, the loan operation module includes:

[0060] A confirmation unit, configured to confirm the amount of the financial product by operating the loan module based on the loan reference factor;

[0061] A face recognition unit is used to perform face recognition detection on the customer through the face recognition module, and if the face recognition detection is passed, provide the customer with a financial product corresponding to the financial product limit.

[0062] The present application also provides an intelligent service system driving device, which includes: a memory, a processor, and a program of the intelligent service system driving method stored in the memory and executable on the processor. When the program of the intelligent service system driving method is executed by the processor, the steps of the intelligent service system driving method as described above can be implemented.

[0063] The present application also provides a readable storage medium, on which is stored a program for implementing the intelligent service system driving method. When the program of the intelligent service system driving method is executed by a processor, the steps of the intelligent service system driving method as described above are implemented.

[0064] The present application receives communication information sent by the client, and based on the communication information, provides business consulting services to the client through the AI ​​intelligent customer service module to obtain business consulting results, and then based on the business consulting results, performs identity verification on the client through the identity verification module to obtain identity verification results, and then based on the identity verification results, identifies the business-related information uploaded by the client through the document review module to obtain document review results, and incorporates the document review results into the loan reference factor. Furthermore, based on the loan reference factor, corresponding financial products are provided to the customers corresponding to the client by operating the loan module. That is, the present application first receives the communication information of the client, and based on the communication information, provides business consulting services to the client through the AI ​​intelligent customer service module, obtains business consulting results, and then based on the business consulting results, verifies the identity of the client through the identity verification module, obtains identity verification results, and then based on the identity verification results, identifies the business-related information uploaded by the client through the information review module, obtains information review results, and includes the information review results in the loan reference factor, and then based on the loan reference factor, provides the corresponding financial products to the client through the operation loan module. That is, the present application provides an intelligent, automatic, full-chain driven intelligent service system, and then provides high-quality, purely online financial product services to the client by dividing the intelligent service system into four modules, namely, AI intelligent customer service module, identity verification module, information review module, and operation loan module, thereby simplifying the process and cycle of financial product services, and avoiding the loss of customers due to the overly complex and lengthy financial product service process. Therefore, the present application solves the technical problem of low service efficiency of the traditional manual customer service model in the current technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0066] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0067] Figure 1 This is a flow chart of the first embodiment of the intelligent service system driving method of the present application;

[0068] Figure 2 This is a flow chart of an implementable preferred solution in the first embodiment of the present application;

[0069] Figure 3 This is a flow chart of the second embodiment of the intelligent service system driving method of the present application;

[0070] Figure 4 This is a schematic diagram of the device structure of the hardware operating environment involved in the embodiment of the present application.

[0071] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0072] It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0073] The embodiment of the present application provides an intelligent service system driving method, the intelligent service system driving method is applied to an intelligent service system driving device. In the first embodiment of the intelligent service system driving method of the present application, refer to Figure 1 , the intelligent service system driving method includes:

[0074] Step S10, receiving communication information sent by the client, and providing business consulting services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consulting results;

[0075] In this embodiment, it should be noted that the communication information includes voice information, text information, etc., that is, the AI ​​intelligent customer service module can communicate with the customer through voice calls, text input, etc., and during the communication process, the AI ​​intelligent customer service module will determine whether the customer is eligible to apply for financial products, and then popularize the application process to the customer and collect basic customer information. The business consultation results include a determination of whether the customer is eligible to apply and basic customer information, among which the customer's eligibility to apply means that the customer meets the conditions for applying for financial products.

[0076] Receive communication information sent by the client, and provide business consulting services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consulting results. Specifically, receive communication information sent by the client, and retrieve the business answers corresponding to the communication information in the preset intelligent customer service database through the AI ​​intelligent customer service module to provide business consulting services, and record information during the business consulting service process to obtain business consulting results. The preset intelligent customer service database can be edited and self-learned through a preset AI management platform. In addition, the preset AI management platform can also perform operations such as statistics and visualization of operational reports of financial products and monitoring of the operating status of financial products.

[0077] Wherein, the communication information includes voice information,

[0078] The step of receiving the communication information sent by the client, and providing business consulting services to the client through the AI ​​intelligent customer service module based on the communication information, and obtaining the business consulting results includes:

[0079] Step S11, receiving the voice information, and converting the voice information into text information through the AI ​​intelligent customer service module;

[0080] In this embodiment, it should be noted that the AI ​​intelligent customer service module includes a speech-to-text model and an intelligent customer service robot, etc., and the voice information can be received when the AI ​​intelligent customer service module has a voice call with the customer.

[0081] Receive the voice information, and convert the voice information into text information through the AI ​​intelligent customer service module. Specifically, receive the voice information through the intelligent customer service robot, and input the voice information into the voice-to-text model to convert the voice information into text information, wherein the voice-to-text model includes a neural network model and a voice state network, that is, the voice information is framed by a preset window function to obtain a single voice signal information of each frame, and then each single voice signal information is input into the neural network model to obtain a voice state number corresponding to each single voice signal information, and each voice state number is synthesized into a plurality of voice phonemes through the voice state network, and further, based on each voice phoneme, the text information is synthesized.

[0082] Step S12, based on the text information, searching in a preset intelligent customer service database to obtain a business answer;

[0083] In this embodiment, it should be noted that the intelligent customer service database is established based on the knowledge of financial services and financial products, and the intelligent customer service database can be optimized, supplemented and upgraded based on a large number of actual manual customer service conversations.

[0084] Based on the text information, a search is performed in a preset intelligent customer service database to obtain a business answer. Specifically, a keyword set of the text information is extracted, and based on the keyword set, the business answer corresponding to the keyword is searched in the preset intelligent customer service database.

[0085] Step S13, converting the business answer into business voice and sending it to the client to obtain the business consultation result.

[0086] In this embodiment, the business answer is converted into business voice and sent to the client to obtain the business consultation result. Specifically, the business voice corresponding to the business answer is obtained, and when making a voice call with the customer, the business voice is transmitted to the client through a preset voice call module, and the call information during the voice call is recorded and analyzed to obtain the business consultation result, that is, the business consultation result is obtained based on the voice information and text information during the voice call.

[0087] Step S20, based on the business consultation result, the identity of the client is verified by an identity verification module to obtain an identity verification result;

[0088] In this embodiment, it should be noted that the identity verification includes confirming the customer's own wishes and confirming the basic information of the company corresponding to the customer, and the identity verification result includes the confirmation result of the customer's own wishes and the confirmation result of the basic information of the company corresponding to the customer.

[0089] Based on the business consultation result, the identity of the client is verified through the identity verification module to obtain an identity verification result. Specifically, based on the customer basic information in the business consultation result, the identity verification module confirms whether the customer's intention to apply for financial products is his or her own intention, and collects the basic information of the company corresponding to the user, that is, to obtain an identity verification result.

[0090] Step S30, based on the identity verification result, the business-related information uploaded by the client is identified through the information review module, a information review result is obtained, and the information review result is included in the loan reference factor;

[0091] In this embodiment, it should be noted that the business-related information includes text document information, image document information, ID photo information, etc., and the loan reference factor is used to assess the amount of the financial product provided to the customer.

[0092] Based on the identity verification result, the business-related information uploaded by the client is identified through the information review module to obtain the information review result, and the information review result is included in the loan reference factor. Specifically, after confirming that the customer's intention to apply for financial products is his own intention, the business-related information sent by the customer is received, and the business-related information is subjected to text recognition to obtain the text recognition result, and the text recognition result is compared with the preset text recognition standard or the text recognition result is stored in a preset storage database to obtain the text recognition result, that is, the information review result is obtained, and the information review result is included in the loan reference factor.

[0093] The document review module includes an AI text recognition engine, and the business-related documents include review document images.

[0094] The step of identifying the business-related information uploaded by the client through the information review module and obtaining the information review result comprises:

[0095] Step S31, receiving the audit document picture uploaded by the client, and identifying the audit document picture through the AI ​​text recognition engine to obtain an image type recognition result;

[0096] In this embodiment, it should be noted that the AI ​​text recognition engine includes an image recognition model, and the image recognition model is a trained neural network model.

[0097] Receive the audit document picture uploaded by the client, and identify the audit document picture through the AI ​​text recognition engine to obtain the image type recognition result. Specifically, receive the audit document picture uploaded by the customer, and input the audit document picture into the neural network model, perform image recognition on the audit document picture, and obtain the image type recognition result.

[0098] Step S32, based on the image type recognition result, parsing the text in the audit document image to obtain a text parsing result;

[0099] In this embodiment, it should be noted that the AI ​​text recognition engine includes a target detection model, and the target detection model is a trained neural network model.

[0100] Based on the image type recognition result, the text in the review document picture is parsed to obtain the text parsing result. Specifically, the review document picture is input into the target detection model corresponding to the image type recognition result to recognize and parse the text in the review document picture to obtain the text parsing result.

[0101] Step S33: based on the text analysis result, verify the audit data corresponding to the audit data picture to obtain the data audit result.

[0102] In this embodiment, based on the text parsing result, the audit data corresponding to the audit data picture is verified to obtain the data review result. Specifically, the text parsing result is compared with the audit data standard. When the parsing result is consistent with the audit data standard, the data review result is approved. When the parsing result is inconsistent with the audit data standard, an error message is returned to the customer. For example, assuming that the audit data picture is an ID card picture, the ID card information is compared with the standard ID card information to determine whether there is erroneous information or missing information in the ID card picture, and the data review result is obtained.

[0103] Step S40: Based on the loan reference factor, provide corresponding financial products to the customer corresponding to the client by operating the loan module.

[0104] In this embodiment, based on the loan reference factor, corresponding financial products are provided to the customer corresponding to the client through the operation of the loan module. Specifically, when the document review result is passed, based on the loan reference factor, the financial products that the customer can apply for are verified through the operation of the loan module to obtain the amount that the customer can apply for, and the financial product corresponding to the amount is provided to the customer. Among them, the other types of information include online inquiry information, information collected during telephone communication with customers, and corporate operation information.

[0105] Wherein, the operation and lending module includes a face recognition module,

[0106] The step of providing corresponding financial products to the customer corresponding to the client by operating the loan module based on the loan reference factor comprises:

[0107] Step S41, based on the loan reference factor, confirming the financial product limit by operating the loan module;

[0108] In this embodiment, based on the loan reference factor, the amount of the financial product is confirmed by operating the loan module. Specifically, when the document review result is passed, based on the basic information of the enterprise and other types of information, based on the loan reference factor, the amount of the financial product that the customer can apply for is verified by operating the loan module to obtain the amount that the customer can apply for, that is, the financial product is confirmed by operating the loan module.

[0109] Step S42: performing face recognition detection on the customer through the face recognition module. If the face recognition detection passes, providing the customer with a financial product corresponding to the financial product limit.

[0110] The face recognition module is used to perform face recognition detection on the customer. If the face recognition detection passes, the financial product corresponding to the financial product limit is provided to the customer. Specifically, after the limit of the financial product is confirmed, the face recognition module is used to perform face recognition detection on the customer. If the face recognition detection passes, the money is automatically transferred to the bank account corresponding to the customer, that is, the financial product corresponding to the financial product limit is provided to the customer.

[0111] The identity verification module includes an AI risk control dialogue robot.

[0112] The intelligent service system driving method comprises:

[0113] Step A10, obtaining customer communication information through the AI ​​risk control dialogue robot, and matching the customer communication information with corresponding question and answer suggestions;

[0114] In this embodiment, it should be noted that the customer communication information includes questions asked by the customer.

[0115] The AI ​​risk control dialogue robot is used to obtain customer communication information, and to match the corresponding question and answer suggestions for the customer communication information. Specifically, the AI ​​risk control dialogue robot is used to obtain the customer's questions, and then the question and answer suggestions corresponding to the customer's questions are searched in a preset question and answer suggestion database, that is, the question and answer suggestions corresponding to the customer communication information are matched.

[0116] Step A20: Based on the question and answer suggestions and the customer communication information, obtain customer risk information through the AI ​​risk control dialogue robot, and include the customer risk information in the loan reference factor;

[0117] In this embodiment, it should be noted that the AI ​​risk control dialogue robot is used in the process of the business consulting service or the voice interaction process corresponding to the AI ​​electric core robot, and can find valuable interaction information in the voice interaction or the business consulting service process, such as questions raised by customers during voice interaction or questions asked to customers, and then conduct a quantitative evaluation of the interaction information.

[0118] Based on the question and answer suggestions and the customer communication information, the customer risk information is obtained through the AI ​​risk control dialogue robot, and the customer risk information is included in the loan reference factor. Specifically, based on the question and answer suggestions and the customer communication information, the customer is rated by the AI ​​risk control dialogue robot, that is, it is determined whether the customer is a first-level customer or a second-level customer, and the customer rating level is obtained, and then the customer risk information is obtained through the rating level. For example, assuming that the customers are divided into levels 1 to 4, level 1 means that the customer is a high-quality customer, and the customer risk information is level 0 risk level, level 2 means that the customer is a better customer, and the customer risk information is level 1 risk level, level 3 means that the customer is an ordinary customer, and the customer risk information is level 2 risk level, level 4 means that the customer is a low-quality customer, and the customer risk information is level 3 risk level, wherein the higher the risk level, the greater the risk of providing the customer with the financial product applied for by the customer.

[0119] Step A30: based on the customer risk information, confirm whether to provide the customer with a corresponding financial product.

[0120] In this embodiment, it should be noted that the corresponding financial product refers to the financial product applied for by the customer.

[0121] Based on the customer risk information, confirm whether to provide the customer with the corresponding financial product. Specifically, based on the customer risk information, determine the standard amount product limit corresponding to the customer risk information. Further, obtain the application limit of the financial product applied by the customer, and compare the application limit of the financial product with the standard amount product limit, that is, confirm whether to provide the customer with the corresponding financial product. If the application limit of the financial product is greater than the standard amount product limit, return a rejection message to the customer and suggest reducing the application limit of the financial product. If the application limit of the financial product is less than or equal to the standard amount product limit, provide the customer with the corresponding financial product. Figure 2 The figure shows a flow chart of an implementable preferred solution of the present embodiment, wherein the "customer business consultation" corresponds to the AI ​​intelligent customer service module, the "submit application, identity verification" corresponds to the identity verification module, the "document review" corresponds to the document review module, the "operation loan" corresponds to the operation loan module, and the "OCR text recognition" corresponds to the AI ​​text recognition engine.

[0122] This embodiment receives the communication information sent by the client, and based on the communication information, performs business consulting services on the client through the AI ​​intelligent customer service module to obtain business consulting results, and then based on the business consulting results, performs identity verification on the client through the identity verification module to obtain identity verification results, and then based on the identity verification results, identifies the business-related information uploaded by the client through the information review module to obtain information review results, and the information review results are included in the loan reference factor, and further, based on the loan reference factor, provides corresponding financial products to the customer corresponding to the client by operating the loan module. That is, this embodiment first receives the communication information of the customer, and based on the communication information, performs business consulting services on the customer through the AI ​​intelligent customer service module to obtain business consulting results, and then based on the business consulting results, performs identity verification on the customer through the identity verification module to obtain identity verification results, and then based on the identity verification results, identifies the business-related information uploaded by the customer through the information review module to obtain information review results, and then based on the information review results, provides corresponding financial products to the customer by operating the loan module. That is, this embodiment provides an intelligent, automatic, full-chain driven intelligent service system, and further provides high-quality, purely online financial product services to the customers by dividing the intelligent service system into four modules, namely, AI intelligent customer service module, identity verification module, data review module and operation loan module, thereby simplifying the process and cycle of financial product services, and avoiding customer loss due to overly complex and lengthy financial product service processes. Therefore, this embodiment solves the technical problem of low service efficiency of traditional manual customer service mode in current technology.

[0123] Further, refer to Figure 3 Based on the first embodiment of the present application, in another embodiment of the intelligent service system driving method, the identity verification module includes an AI electric core robot, and the identity verification result includes the customer's willingness confirmation result and the basic information of the enterprise.

[0124] The step of performing identity verification on the client through an identity verification module based on the business consultation result to obtain the identity verification result comprises:

[0125] Step S21, based on the business consultation result, voice interaction is performed with the customer through the AI ​​electric core robot to obtain the customer's willingness confirmation result;

[0126] In this embodiment, it should be noted that the customer intention confirmation result refers to the result of the customer determining whether the customer's intention to apply for a financial product is his / her own intention.

[0127] Based on the business consultation result, the AI ​​electric core robot conducts voice interaction with the customer to obtain the customer's willingness confirmation result. Specifically, based on the business consultation result, the AI ​​electric core robot automatically conducts voice interaction with the customer to obtain the customer's willingness confirmation result. That is, in the process of voice interaction, the voice interaction process is completely conducted by the AI ​​electric core robot and the customer without human intervention.

[0128] Step S22: based on the customer's confirmation result, obtain the basic information of the enterprise through the voice interaction.

[0129] In this embodiment, based on the result of the customer's willingness confirmation, the basic information of the enterprise is obtained through the voice interaction. Specifically, after it is confirmed that the customer's willingness to apply for financial products is his own, questions are asked to the customer through the voice interaction to obtain the basic information of the enterprise.

[0130] The identity verification module includes an AI quality inspection robot.

[0131] The step of initiating voice interaction with the customer through the AI ​​electric core robot based on the business consultation result includes:

[0132] Step S23, obtaining a voice interaction recording corresponding to the voice interaction, and performing quality inspection on the voice interaction recording by the AI ​​quality inspection robot to obtain a quality inspection result;

[0133] In this embodiment, it should be noted that the AI ​​electric nuclear robot includes voice recognition function and quality inspection function.

[0134] A voice interaction recording corresponding to the voice interaction is obtained, and a quality inspection is performed on the voice interaction recording by the AI ​​quality inspection robot to obtain a quality inspection result. Specifically, a voice interaction recording corresponding to the voice interaction is obtained, and the voice information in the voice interaction recording is identified by the voice recognition function, and then a multi-dimensional quality inspection is performed on the voice information to obtain a quality inspection result, wherein the multi-dimensional quality inspection includes compliance speech inspection, service attitude inspection, business proficiency inspection, etc.

[0135] Step S24, comparing the quality inspection result with the preset quality inspection standard, generating a detailed quality inspection report corresponding to the quality inspection result, and including the detailed quality inspection report in the loan reference factor.

[0136] In this embodiment, the quality inspection result is compared with the preset quality inspection standard, a detailed quality inspection report corresponding to the quality inspection result is generated, and the detailed quality inspection report is included in the loan reference factor. Specifically, the quality inspection result is compared with the preset quality inspection standard, the quality inspection result is scored, and a detailed quality inspection report corresponding to the quality inspection result is generated, and the detailed quality inspection report is included in the loan reference factor. For example, assuming that the preset quality inspection standard includes compliance speech standards, service attitude standards, business proficiency standards, etc., and each of the preset quality inspection standards corresponds to a weight, assuming that the compliance speech in the quality inspection result is 80 points, the corresponding weight is 30%, the service attitude is 70 points, the corresponding weight is 40%, and the business proficiency is 90 points, The corresponding weight is 30%, the generated detailed quality inspection report includes the score of each quality inspection standard, the corresponding total score and deduction errors, etc. The total score is 79 points, and 79 points are included in the loan factor.

[0137] This embodiment, based on the business consultation result, uses the AI ​​electric core robot to perform voice interaction with the customer to obtain the customer's willingness confirmation result, and then based on the customer's willingness confirmation result, obtains the basic information of the enterprise through the voice interaction. That is, this embodiment, based on the business consultation result, uses the AI ​​electric core robot to perform voice interaction with the customer to obtain the customer's willingness confirmation result, and then based on the customer's willingness confirmation result, obtains the basic information of the enterprise through the voice interaction. That is, this embodiment provides a method for automatically performing the voice interaction with the customer through the AI ​​electric core robot, that is, provides an intelligent and automatic voice interaction method, thereby obtaining the basic information of the enterprise and automatically confirming the customer's willingness, thereby simplifying the process and cycle of communicating with customers, laying the foundation for simplifying the process and cycle of financial product services, and therefore, laying the foundation for solving the technical problem of low service efficiency of the traditional manual customer service model in current technology.

[0138] Reference Figure 4 , Figure 4 It is a schematic diagram of the device structure of the hardware operating environment involved in the embodiment of the present application.

[0139] like Figure 4 As shown, the intelligent service system driving device may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used to realize the connection and communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0140] Optionally, the intelligent service system driving device may also include a rectangular customer interface, a network interface, a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, a WiFi module, etc. The rectangular customer interface may include a display screen (Display), an input submodule such as a keyboard (Keyboard), and the optional rectangular customer interface may also include a standard wired interface and a wireless interface. The network interface may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface).

[0141] Those skilled in the art will understand that Figure 4 The structure of the intelligent service system driving device shown in the figure does not constitute a limitation on the intelligent service system driving device, and may include more or less components than shown in the figure, or combine certain components, or arrange the components differently.

[0142] like Figure 4 As shown, the memory 1005 as a computer storage medium may include an operating system, a network communication module, and an intelligent service system driver. The operating system is a program that manages and controls the hardware and software resources of the intelligent service system driver device, and supports the operation of the intelligent service system driver and other software and / or programs. The network communication module is used to realize the communication between the components inside the memory 1005, and the communication with other hardware and software in the intelligent service system driver system.

[0143] exist Figure 4 In the intelligent service system driving device shown, the processor 1001 is used to execute the intelligent service system driving program stored in the memory 1005 to implement the steps of any of the intelligent service system driving methods described above.

[0144] The specific implementation of the intelligent service system driving device of the present application is basically the same as the above-mentioned embodiments of the intelligent service system driving method, and will not be repeated here.

[0145] The embodiment of the present application further provides an intelligent service system driving device, the intelligent service system driving device comprising:

[0146] A business consulting module is used to receive the communication information sent by the client, and provide business consulting services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consulting results;

[0147] An identity verification module, used to verify the identity of the client through the identity verification module based on the business consultation result to obtain an identity verification result;

[0148] A document review module is used to identify the business-related documents uploaded by the client based on the identity verification result, obtain the document review result, and include the document review result in the loan reference factor;

[0149] An operating loan module is used to provide corresponding financial products to the customers corresponding to the client through the operating loan module based on the loan reference factor.

[0150] Optionally, the business consulting module includes:

[0151] A first conversion unit, configured to receive the voice information and convert the voice information into text information through the AI ​​intelligent customer service module;

[0152] A retrieval unit, configured to search a preset intelligent customer service database based on the text information to obtain a business answer;

[0153] The second conversion unit is used to convert the business answer into business voice and send it to the client to obtain the business consultation result.

[0154] Optionally, the identity verification module includes:

[0155] A voice interaction unit, used for performing voice interaction with the customer through the AI ​​electric core robot based on the business consultation result to obtain the customer's willingness confirmation result;

[0156] An acquisition unit is used to acquire the basic information of the enterprise through the voice interaction based on the result of the customer's willingness confirmation.

[0157] Optionally, the identity verification module further includes:

[0158] A quality inspection unit, configured to obtain a voice interaction recording corresponding to the voice interaction, and perform quality inspection on the voice interaction recording through the AI ​​quality inspection robot to obtain a quality inspection result;

[0159] A generating unit is used to compare the quality inspection result with a preset quality inspection standard, generate a detailed quality inspection report corresponding to the quality inspection result, and include the detailed quality inspection report in the loan reference factor.

[0160] Optionally, the intelligent service system driving device further includes:

[0161] A matching module, used to obtain customer communication information through the AI ​​risk control dialogue robot and match the customer communication information with corresponding question and answer suggestions;

[0162] An acquisition module, configured to acquire customer risk information through the AI ​​risk control dialogue robot based on the question and answer suggestions and the customer communication information, and include the customer risk information in the loan reference factor;

[0163] A selection module is used to confirm whether to provide corresponding financial products to the customer based on the customer risk information.

[0164] Optionally, the data review module includes:

[0165] An identification unit, configured to receive the audit document picture uploaded by the client, and identify the audit document picture through the AI ​​text recognition engine to obtain an image type recognition result;

[0166] A parsing unit, configured to parse the text in the audit document image based on the image type recognition result to obtain a text parsing result;

[0167] A verification unit is used to verify the audit data corresponding to the audit data image based on the text parsing result to obtain the data audit result.

[0168] Optionally, the loan operation module includes:

[0169] A confirmation unit, configured to confirm the amount of the financial product by operating the loan module based on the loan reference factor;

[0170] A face recognition unit is used to perform face recognition detection on the customer through the face recognition module, and if the face recognition detection is passed, provide the customer with a financial product corresponding to the financial product limit.

[0171] The specific implementation of the intelligent service system driving device of the present application is basically the same as the above-mentioned embodiments of the intelligent service system driving method, and will not be repeated here.

[0172] An embodiment of the present application provides a readable storage medium, which stores one or more programs. The one or more programs can also be executed by one or more processors to implement the steps of any of the above-mentioned intelligent service system driving methods.

[0173] The specific implementation methods of the medium of the present application are basically the same as the above-mentioned embodiments of the intelligent service system driving method, and will not be repeated here.

[0174] The above are only preferred embodiments of the present application, and are not intended to limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made using the contents of the present application specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent processing scope of the present application.

Claims

1. A method for driving an intelligent service system, characterized in that: The intelligent service system driving method comprises: Receive the communication information sent by the client, and provide business consulting services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consulting results. Wherein, the communication information includes voice information, The step of receiving the communication information sent by the client, and providing business consulting services to the client through the AI ​​intelligent customer service module based on the communication information, and obtaining the business consulting results includes: Receive the voice information, and convert the voice information into text information through the AI ​​intelligent customer service module; Based on the text information, search in a preset intelligent customer service database to obtain business answers; Convert the business answer into business voice and send it to the client to obtain the business consultation result; Based on the business consultation result, the identity of the client is verified through an identity verification module to obtain an identity verification result, wherein the identity verification module includes an AI electric core robot, and the identity verification result includes a customer willingness confirmation result and basic enterprise information. The step of performing identity verification on the client through an identity verification module based on the business consultation result to obtain the identity verification result comprises: Based on the business consultation result, the AI ​​electric core robot interacts with the customer through voice to obtain the customer's willingness confirmation result, wherein the customer's willingness confirmation result refers to the result of the customer determining whether the customer's willingness to apply for financial products is his / her own willingness; Based on the result of the customer's willingness confirmation, obtaining the basic information of the enterprise through the voice interaction; Based on the identity verification result, the business-related information uploaded by the client is identified through the information review module to obtain the information review result, and the information review result is included in the loan reference factor, wherein the business-related information includes text document information, image document information and ID photo information; Based on the loan reference factor, the corresponding financial product is provided to the customer corresponding to the client by operating the loan module, and the loan reference factor is used to assess the amount of the financial product provided to the customer.

2. The intelligent service system driving method according to claim 1, characterized in that: The identity verification module includes an AI quality inspection robot, The step of initiating voice interaction with the customer through the AI ​​electric core robot based on the business consultation result includes: Obtaining a voice interaction recording corresponding to the voice interaction, and performing quality inspection on the voice interaction recording by the AI ​​quality inspection robot to obtain a quality inspection result; The quality inspection results are compared with the preset quality inspection standards, a detailed quality inspection report corresponding to the quality inspection results is generated, and the detailed quality inspection report is included in the loan reference factor.

3. The intelligent service system driving method according to claim 1, characterized in that: The identity verification module includes an AI risk control dialogue robot, The intelligent service system driving method comprises: Obtain customer communication information through the AI ​​risk control dialogue robot, and match the customer communication information with corresponding question and answer suggestions; Based on the question and answer suggestions and the customer communication information, customer risk information is obtained through the AI ​​risk control dialogue robot, and the customer risk information is included in the loan reference factor.

4. The intelligent service system driving method according to claim 1, characterized in that: The document review module includes an AI text recognition engine, and the business-related documents include review document images. The step of identifying the business-related information uploaded by the client through the information review module and obtaining the information review result comprises: Receiving the audit document picture uploaded by the client, and identifying the audit document picture through the AI ​​text recognition engine to obtain an image type recognition result; Based on the image type recognition result, the text in the audit document image is parsed to obtain a text parsing result; Based on the text parsing result, the audit data corresponding to the audit data image is verified to obtain the data audit result.

5. The intelligent service system driving method according to claim 1, characterized in that: The operation and lending module includes a face recognition module, The step of providing corresponding financial products to the customer corresponding to the client by operating the loan module based on the loan reference factor comprises: Based on the loan reference factor, confirm the financial product amount by operating the loan module; The face recognition module performs face recognition detection on the customer, and if the face recognition detection passes, the financial product corresponding to the financial product limit is provided to the customer.

6. An intelligent service system driving device, characterized in that: The intelligent service system driving device is applied to the intelligent service system driving device, and the intelligent service system driving device includes: A business consultation module is used to receive communication information sent by a client, and provide business consultation services to the client through the AI ​​intelligent customer service module based on the communication information to obtain business consultation results, wherein the business consultation module is specifically used to receive voice information, and convert the voice information into text information through the AI ​​intelligent customer service module; based on the text information, search in a preset intelligent customer service database to obtain a business answer; convert the business answer into business voice and send it to the client to obtain the business consultation result, wherein the communication information includes voice information; An identity verification module is used to verify the identity of the client through the identity verification module based on the business consultation result to obtain an identity verification result. The identity verification module includes an AI electric core robot. The identity verification result includes a customer willingness confirmation result and basic enterprise information. The identity verification module is specifically used to perform voice interaction with the customer through the AI ​​electric core robot based on the business consultation result to obtain the customer willingness confirmation result. The customer willingness confirmation result refers to the result of the customer determining whether the customer's willingness to apply for financial products is his or her own willingness; based on the customer willingness confirmation result, the basic enterprise information is obtained through the voice interaction; A document review module, which is used to identify the business-related documents uploaded by the client through the document review module based on the identity verification result, obtain the document review result, and include the document review result in the loan reference factor, wherein the business-related documents include text document data, image document data and ID photo data; An operating loan module is used to provide corresponding financial products to customers corresponding to the client through the operating loan module based on the loan reference factor, and the loan reference factor is used to assess the amount of financial products provided to the customer.

7. An intelligent service system driving device, characterized in that: The intelligent service system driving device includes: a memory, a processor, and a program stored in the memory for implementing the intelligent service system driving method. The memory is used to store a program for implementing the intelligent service system driving method; The processor is used to execute a program for implementing the intelligent service system driving method, so as to implement the steps of the intelligent service system driving method according to any one of claims 1 to 5.

8. A readable storage medium, characterized in that: The readable storage medium stores a program for implementing the intelligent service system driving method, and the program for implementing the intelligent service system driving method is executed by a processor to implement the steps of the intelligent service system driving method as claimed in any one of claims 1 to 5.

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