Business requirement analysis system, method, computer device and storage medium

Abstract

The application relates to a business demand analysis method and device, computer equipment, a storage medium and a computer program product. An initial service information is acquired in response to a business demand analysis request; an initial sub-application set is obtained by initializing a preset sub-application set according to the initial service information; an optional sub-application of a current application unit in a preset application unit library is determined and pushed according to the initial sub-application set; in response to a selection operation on the optional sub-application of the current application unit, a sub-application mutually exclusive with the selected sub-application is dynamically filtered according to a preset sub-application filtering rule, the optional sub-application of a next application unit is determined and pushed; and when the selection of the sub-application of all the application units is completed, demand data is generated according to the accumulated selected sub-application. The method provides an application unit library and a sub-application set, receives user selection, adjusts the optional sub-application according to the sub-application filtering rule, and obtains the demand data according to the selected sub-application, thereby improving the accuracy of business demand analysis.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of artificial intelligence identification classification, in particular to a business demand analysis method and device, computer equipment, storage medium and computer program product. BACKGROUND

[0002] Business demand analysis, also known as software demand analysis, system demand analysis or demand analysis engineering, etc., is a process in which a developer accurately understands the specific requirements of users and projects in terms of function, performance, reliability, etc. after in-depth and detailed investigation and analysis, converts the non-formal demand expression of the user into complete demand definition, and determines what the system must do. With the expansion of business, market competition and the growth of customer demand, how to improve business processes and improve work efficiency needs to be based on accurate business demand analysis.

[0003] Taking a collection business as an example, the collection business is an important financial service provided by the banking industry to private customers and public merchants. In order to meet the individual payment and settlement needs of customers and adapt to the diverse and changing payment environment and payment technology innovation, the demand for collection business is growing.

[0004] The current business demand analysis method mostly relies on language processing tools to compare and associate the demand specification written by the business demand party with the demand specification saved in the database, and the accuracy of business demand analysis is low. SUMMARY

[0005] Therefore, it is necessary to provide a business demand analysis method, device, computer equipment, computer readable storage medium and computer program product capable of improving the accuracy of business demand analysis in view of the above technical problems.

[0006] In a first aspect, the present application provides a business demand analysis method. The method comprises:

[0007] In response to a business demand analysis request, initial service information is obtained;

[0008] According to the initial service information, the preset sub-application set is initialized to obtain an initial sub-application set;

[0009] According to the initial sub-application set, the selectable sub-applications of the current application unit in the preset application unit library are determined and pushed;

[0010] In response to the selection operation on the selectable sub-applications of the current application unit, the sub-applications mutually exclusive with the selected sub-applications are dynamically filtered according to the preset sub-application filtering rule;

[0011] The next application unit in the preset application unit library is reselected as the current application unit, and the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set is returned.

[0012] When the selection of the sub-applications of all the application units in the preset application unit library is completed, the demand data is generated according to the accumulated selected sub-applications.

[0013] In one of the embodiments, the initial sub-application set is initialized according to the initial service information, and the initial sub-application set is obtained by screening the preset sub-application set according to the initial service information and the preset sub-application screening rule.

[0014] In one of the embodiments, before the demand data is generated according to the selected sub-applications, the custom sub-application and the connection relationship between the custom sub-application and other sub-applications are obtained, the preset sub-application set is updated according to the custom sub-application, and the preset sub-application screening rule is updated according to the connection relationship.

[0015] In one of the embodiments, the selectable sub-applications of the current application unit in the preset application unit library are determined and pushed according to the application unit serial number, the initial sub-application set and the selected sub-applications, and the selectable sub-applications of the current application unit are pushed.

[0016] In one of the embodiments, the demand data is generated according to the accumulated selected sub-applications and the corresponding sub-application basic attributes.

[0017] In one of the embodiments, the method further comprises: constructing a business system according to the selected sub-applications and the demand data.

[0018] In a second aspect, the application further provides a business demand analysis device. The device comprises:

[0019] The acquisition module is configured to acquire initial service information in response to a business demand analysis request.

[0020] The initialization module is configured to initialize the preset sub-application set according to the initial service information, and obtain an initial sub-application set.

[0021] The pushing module is configured to determine and push the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set.

[0022] The screening module is configured to dynamically filter the sub-applications that are mutually exclusive with the selected sub-applications according to the preset sub-application screening rule in response to the selection operation of the selectable sub-applications of the current application unit.

[0023] The loop module is configured to re-treat the next application unit in the preset application unit library as the current application unit, and return to the pushing module to determine and push the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set.

[0024] generate, when selection of all sub-applications of all application units in the preset application unit library is completed, demand data according to the accumulated selected sub-applications.

[0025] In a third aspect, the present application further provides a computer device. The computer device comprises a memory and a processor, the memory stores a computer program, and the processor implements the following steps when executing the computer program:

[0026] obtaining initial service information in response to a business demand analysis request;

[0027] initializing a preset sub-application set according to the initial service information to obtain an initial sub-application set;

[0028] determining and pushing selectable sub-applications of a current application unit in the preset application unit library according to the initial sub-application set;

[0029] dynamically filtering sub-applications that are mutually exclusive with the selected sub-applications according to a preset sub-application filtering rule in response to a selection operation on the selectable sub-applications of the current application unit;

[0030] reusing a next application unit in the preset application unit library as the current application unit and returning to the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set;

[0031] generating demand data according to the accumulated selected sub-applications when selection of all sub-applications of all application units in the preset application unit library is completed.

[0032] In a fourth aspect, the present application further provides a computer readable storage medium. The computer readable storage medium stores a computer program, and the computer program is executed by a processor to implement the following steps:

[0033] obtaining initial service information in response to a business demand analysis request;

[0034] initializing a preset sub-application set according to the initial service information to obtain an initial sub-application set;

[0035] determining and pushing selectable sub-applications of a current application unit in the preset application unit library according to the initial sub-application set;

[0036] dynamically filtering sub-applications that are mutually exclusive with the selected sub-applications according to a preset sub-application filtering rule in response to a selection operation on the selectable sub-applications of the current application unit;

[0037] reusing a next application unit in the preset application unit library as the current application unit and returning to the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set;

[0038] When the selection of the sub-applications of all the application units in the preset application unit library is completed, the demand data is generated according to the accumulated selected sub-applications.

[0039] In a fifth aspect, the present application further provides a computer program product. The computer program product comprises a computer program, and the computer program is executed by a processor to implement the following steps:

[0040] In response to a business demand analysis request, initial service information is acquired;

[0041] The preset sub-application set is initialized according to the initial service information, and an initial sub-application set is obtained;

[0042] According to the initial sub-application set, the selectable sub-applications of the current application unit in the preset application unit library are determined and pushed;

[0043] In response to the selection operation on the selectable sub-applications of the current application unit, the sub-applications that are mutually exclusive with the selected sub-applications are dynamically filtered according to the preset sub-application filtering rule;

[0044] The next application unit in the preset application unit library is taken as the current application unit again, and the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set is returned;

[0045] When the selection of the sub-applications of all the application units in the preset application unit library is completed, the demand data is generated according to the accumulated selected sub-applications.

[0046] The business demand analysis method, device, computer device, storage medium and computer program product provided above, in response to a business demand analysis request, initial service information is acquired; the preset sub-application set is initialized according to the initial service information, and an initial sub-application set is obtained; according to the initial sub-application set, the selectable sub-applications of the current application unit in the preset application unit library are determined and pushed; in response to the selection operation on the selectable sub-applications of the current application unit, the sub-applications that are mutually exclusive with the selected sub-applications are dynamically filtered according to the preset sub-application filtering rule; the next application unit in the preset application unit library is taken as the current application unit again, and the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set is returned; when the selection of the sub-applications of all the application units in the preset application unit library is completed, the demand data is generated according to the accumulated selected sub-applications. The method provides an application unit library and a sub-application set, dynamically adjusts the selectable sub-applications according to the selection of the user and the sub-application filtering rule, reduces the process of the demand side on the selectable sub-applications, and further reduces the selection time of the demand side. Finally, the demand data is obtained according to the selected sub-applications, and the accuracy and efficiency of the business demand analysis are improved. BRIEF DESCRIPTION OF DRAWINGS

[0047] Figure 1 An application environment diagram of the business requirement analysis method in an embodiment;

[0048] Figure 2 A flowchart of the business requirement analysis method in an embodiment;

[0049] Figure 3 An architecture diagram of the business system in an embodiment;

[0050] Figure 4 A complete flowchart of the business requirement analysis method in an embodiment;

[0051] Figure 5 A structural block diagram of the business requirement analysis device in an embodiment;

[0052] Figure 6 An internal structure diagram of the computer device in an embodiment. DETAILED DESCRIPTION

[0053] In order to make the objects, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and should not be used to limit the present application.

[0054] The business requirement analysis method provided by the embodiments of the present application can be applied to, for example, Figure 1The application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data required by the server 104 to process. The data storage system can be integrated on the server 104, or placed on the cloud or other network servers. The terminal receives the demand analysis request of the demand side, obtains the initial service information according to the demand analysis request, initializes the preset sub-application set stored locally in the terminal according to the initial service information, and obtains the initial sub-application set; According to the initial sub-application set, determine and push the selectable sub-application of the current application unit in the preset application unit library; In response to the selection operation of the selectable sub-application of the current application unit, dynamically filter the sub-application mutually exclusive with the selected sub-application according to the preset sub-application filtering rule; The next application unit in the preset application unit library is reselected as the current application unit, and the step of determining and pushing the selectable sub-application of the current application unit in the preset application unit library according to the initial sub-application set is returned; When the sub-application selection of all application units in the preset application unit library is completed, generate demand data according to the cumulative selected sub-application. Among them, the terminal 102 can be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, Internet of Things devices and portable wearable devices, Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0055] The business demand analysis method provided by the present application can be applied to various business demand analysis scenarios, such as collection business demand analysis, shopping demand analysis, video demand analysis, etc. The business demand analysis method provided by the present application is explained and described by taking the collection business demand analysis as an example. Other business demand analysis is similar to the collection business demand analysis, which is not limited in the present application.

[0056] The traditional business demand analysis method is to compare and associate the demand specification written by the demand side with the demand specification saved in the database by means of language processing tools, which is not ideal in accuracy and efficiency.

[0057] The acquirer service is an important fund service provided by the banking industry to private customers and public businesses. In order to cater to the individual payment and settlement needs of customers and adapt to the diverse and changing payment environment and payment technology innovation, the demand for acquirer services is increasing, but there are many commonalities among different demands. The demand analysis of product managers and technical development departments takes a long time and wastes resources due to repeated development. Therefore, many payment platforms package mature payment products such as payment code payment, mini-program payment, APP payment, H5 payment, etc., to unify services and improve demand conversion rate, but the support and service for personalized needs are not in place. At the same time, in terms of technical capabilities, banks have accumulated a large amount of reusable capabilities in payment, marketing tools, and fund clearing. How to effectively realize internal resource collaboration, respond to external market changes, and form complete payment scenario solutions by flexibly configuring and calling various middle platform capabilities is a common concern of major banks. Therefore, efficient, fast, and accurate analysis of acquirer demand and the formation of payment products by flexibly assembling acquirer capabilities are technical problems to be solved by the present application.

[0058] From the perspective of merchants and payment users, the acquirer service demand can be summarized in one sentence, which is the process of monetary debt transfer caused by social economic activities, but involves a wide range of functions, including payment tool and payment account of payment customer identity authentication, merchant identity authentication, payment tool, settlement account, and clearing and reconciliation. The merchant user usually cannot clearly propose detailed requirements for the above-mentioned numerous links when submitting an acquirer service demand to the bank, and relies on the product manager to improve the user demand based on the individual understanding and experience of the existing software system functions. This approach has the following disadvantages: 1. Relying on individual cognition of product managers, which is prone to deviation from the true capabilities of the software system; 2. Payment process and acquirer clearing are complete business closed-loop processes, so it is easy to misunderstand or hide important user demands, increase communication costs, and result in low efficiency.

[0059] The present application classifies the software system capabilities related to bank acquirer demand in detail, splits each acquirer software system capability according to the middle platform mode, and writes capability definition, capability purpose, capability range, service list, and usage instructions to form an acquirer capability library. One or more capabilities are assembled into a sub-application that can handle specific functional units in business demand. A tool software provides a visual demand analysis page for the demand side, and based on the user payment full life cycle as the axis, the demand side selects the required acquirer sub-application for each stage in turn, and finally forms an acquirer demand specification.

[0060] In one embodiment, as shown in Figure 2 , a business demand analysis method is provided, which is applied to a terminal in Figure 1 for example, including the following steps:

[0061] Step 202, in response to the business demand analysis request, obtaining initial service information.

[0062] The business demand analysis request is initiated by the demand side, and the initial service information is carried in the business demand analysis request. The initial service information includes initial demand service scenarios, channels, and user attributes, and other initial demand information. The channel refers to different types of business entrances. Taking the collection business as an example, the channel includes multiple different types of payment interfaces, such as mobile APP, H5 network management, WeChat public number, and WeChat applet.

[0063] Specifically, when the terminal receives the business demand analysis request of the demand side, the business demand analysis request is parsed to obtain the initial demand service scenarios, channels, and user attributes, and other initial demand information.

[0064] Step 204, initializing the preset sub-application set according to the initial service information to obtain an initial sub-application set.

[0065] The preset sub-application set is a preset sub-application set constructed by refining the current collection service capabilities of multiple business systems. The preset sub-application set is based on the middle platform mode, and the tool software displays the optional collection sub-applications of each application unit according to the payment business process.

[0066] Specifically, the terminal screens the sub-applications that meet the initial service scenarios, channels, and user attributes from the preset sub-application set according to the initial demand service scenarios, channels, and user attributes, and other initial demand information to obtain the initial sub-application set.

[0067] Step 206, determining and pushing the optional sub-applications of the current application unit in the preset application unit library according to the initial sub-application set.

[0068] The application unit is assembled by at least one sub-application. The application unit library includes multiple application units of the entire business process, and the application units are sorted according to the collection payment business process. For example, the application unit library can include account management, benefit center, payment authentication, fund payment, and merchant clearing application units. The sub-application set selected from each application unit can be connected to form a complete payment collection business closed loop. With the expansion of the business scenarios, the application unit can be continuously expanded.

[0069] The application unit sequence number (application unit ID) is sorted according to the business life cycle, 0 channel access, 1 account management, 2 benefit center, 3 payment authentication, 4 fund payment, 5 merchant clearing, and the sequence numbers are arranged from small to large, and appear dynamically in the demand side visual interaction demand analysis process according to the connection rule. Each application unit contains multiple sub-applications, such as the 【2 benefit center】application unit containing sub-applications B1 benefit aggregation, B2 intelligent recommendation and B3 silent preferential, and the 【3 payment authentication】application unit containing sub-applications C1 face payment, C2 voiceprint payment and C3 password payment.

[0070] The preset sub-application set includes an identity service module, a benefit resource module, a payment authentication module, a payment resource module and a fund clearing module, and provides assemblable and extensible acquirer service sub-functions (i.e., acquirer service atomic capabilities). For example, the identity service module provides payment customer real-name authentication and payment perspective account full information query; the benefit resource module provides trial calculation, verification and return service for full-category benefit products, including preferential activities, coupons, comprehensive points and prepaid cards; the payment authentication module provides payment customer identity authentication service, which can verify the real identity of the customer through face recognition, password or SMS verification code, or provide small amount of password-free payment service based on the signing customer; the payment resource module provides payment account service, which can be debit card, credit card, small amount of wallet payment or real-time redemption payment service of money fund; and the fund clearing module provides fund transfer service to merchants, including collecting customer payment funds and transferring them into merchant settlement accounts or cooperative platform and service provider sub-account, and providing fund reconciliation, error handling service, etc.

[0071] The application unit is assembled by at least one sub-application, and the sub-application is constructed by at least one sub-function. For example, Figure 3 As shown, the preferential activity, coupon, comprehensive point verification sub-function (capability) of the service layer

benefit resource module

benefit center

[0072] Specifically, the terminal determines the application unit sequence number according to the acquirer payment business process, starts from the application unit with the smallest sequence number, determines the optional sub-application of the current application unit from the initial sub-application set according to the group number of the sub-application, pushes the optional sub-application of the current application unit, so that the demand side selects the optional sub-application of the current application unit.

[0073] In step 208, in response to the selection operation of the optional sub-application of the current application unit, the sub-application that is mutually exclusive with the selected sub-application is dynamically filtered according to the preset sub-application filtering rule.

[0074] The preset sub-application screening rule includes a mutual exclusion rule screening between sub-applications, a connection relationship screening between sub-applications, and a sub-application service range screening. The mutual exclusion rule screening between sub-applications defines a mutual exclusion relationship between sub-applications, and the mutual exclusion relationship is determined according to a same application unit mutual exclusion flag and a sub-application mutual exclusion list.

[0075] The basic mutual exclusion attribute is as follows (taking an application unit ID as an example for illustration):

[0076] The same application unit mutual exclusion flag SELF_EXC_FLAG indicates that the sub-application does not support stacking with other sub-applications of the same application unit, for example, B1 cannot be stacked with B3, and C1 cannot be stacked with C2. The same application unit mutual exclusion does not control the mutual exclusion between different application units, for example, whether B1 and C1 can be stacked.

[0077] The sub-application mutual exclusion list SUB_APPLICATION_EXC_LIST indicates sub-applications that are mutually exclusive, and the mutually exclusive sub-applications can be configured across application units, for example, if B3 and C3 are configured in the attribute, it indicates that the sub-application cannot be stacked with B3 and C3.

[0078] Specifically, when the terminal receives a selection operation of the demand side on the selectable sub-application of the current application unit, based on the mutual exclusion relationship, the next application unit selectable sub-application can be dynamically screened from the initial sub-application set through the previously selected sub-application.

[0079] Step 210, the next application unit in the preset application unit library is reselected as the current application unit, and the step of determining and pushing the selectable sub-application of the current application unit in the preset application unit library according to the initial sub-application set is returned.

[0080] Specifically, after the terminal dynamically screens the next application unit selectable sub-application from the initial sub-application set through the previously selected sub-application, the next application unit in the preset application unit library is reselected as the current application unit, and the selectable sub-application of the current application unit in the preset application unit library is determined and pushed according to the initial sub-application set.

[0081] Step 210, when the sub-application selection of all application units in the preset application unit library is completed, the demand data is generated according to the cumulative selected sub-application.

[0082] Specifically, one sub-application is assembled by at least one sub-function, the sub-function of the selected sub-application and the corresponding function basic attribute (capability basic attribute) are assembled to obtain the sub-application basic attribute; and the demand data (i.e., the demand specification) is generated according to the cumulative selected sub-application and the corresponding sub-application basic attribute. The terminal forms a support layer, a service layer, an application layer and a channel access layer from bottom to top according to the selected sub-application, and draws a collection application map based on this, classifies the collection application of the software system according to the whole life cycle process of user payment, selects the collection application according to the life cycle process node, and assembles a complete collection demand specification for the user to quickly confirm the demand details. The sub-application basic attribute includes a sub-application ID, a corresponding capability ID set, an application unit ID and a sub-application scene example, and the mapping relationship between the sub-application and the plurality of capabilities is established to obtain a sub-application definition (a description set of capability service content), a sub-application purpose (a description set of capability purpose) and a sub-application service range (a set of applicable scene ID, channel ID and user ID). The scene example refers to a visual interface of a business function that has been put into use, which is used for the demand party to intuitively understand the specific function of the sub-application.

[0083] In the above business demand analysis method, in response to a business demand analysis request, initial service information is obtained; the preset sub-application set is initialized according to the initial service information to obtain an initial sub-application set; according to the initial sub-application set, the selectable sub-application of the current application unit in the preset application unit library is determined and pushed; in response to the selection operation of the selectable sub-application of the current application unit, the sub-application that is mutually exclusive with the selected sub-application is dynamically filtered according to the preset sub-application filtering rule; the next application unit in the preset application unit library is re-taken as the current application unit, and the step of determining and pushing the selectable sub-application of the current application unit in the preset application unit library according to the initial sub-application set is returned; when the selection of the sub-application of all the application units in the preset application unit library is completed, the demand data is generated according to the cumulative selected sub-application. This method provides an application unit library and a sub-application set, dynamically adjusts the selectable sub-application according to the sub-application filtering rule by receiving the user selection, reduces the process of the demand party on the selectable sub-application, and further reduces the selection time of the demand party. Finally, the demand data is obtained according to the selected sub-application, and the accuracy and efficiency of the business demand analysis are improved.

[0084] In an optional embodiment, initializing the preset sub-application set according to the initial service information to obtain the initial sub-application set includes: screening from the preset sub-application set according to the initial service information and the preset sub-application filtering rule to obtain the initial sub-application set.

[0085] Specifically, the terminal screens from the preset sub-application set according to initial demand information such as an initial demand service scenario, a channel, and a user attribute and a sub-application service range in a preset sub-application screening rule to obtain an initial sub-application set.

[0086] In this embodiment, the sub-application service range screening screens a sub-application corresponding to initial service information from the preset sub-application scenario according to the initial service information of the demand side, reduces the selection time of the demand side, and further improves the efficiency of business demand analysis.

[0087] In an optional embodiment, before generating demand data according to the selected sub-application, the method further includes: obtaining a custom sub-application and a connection relationship between the custom sub-application and other sub-applications; updating the preset sub-application set according to the custom sub-application; and updating the preset sub-application screening rule according to the connection relationship.

[0088] Specifically, the terminal can also receive a demand-side custom sub-application and a connection relationship between the custom sub-application and other sub-applications in the preset sub-application set, update the preset sub-application set according to the custom sub-application, and update the preset sub-application screening rule according to the demand-side custom connection relationship. The terminal can also receive a mutual exclusion rule between demand-side custom sub-applications and update the preset sub-application screening rule according to the mutual exclusion rule between the sub-applications. The demand-side custom content is not limited in this embodiment.

[0089] For example, sub-applications can be connected according to demand-side custom conditions, such as multiple sub-applications in a 【3 payment authentication】 application unit that can be combined according to conditions in the same business scenario, such as using

password-free payment

[0090] In this embodiment, by receiving demand-side custom sub-applications and connection relationships between the sub-applications, the scalability and applicability of business demand analysis can be improved, and the accuracy of business demand analysis can be further improved.

[0091] In an optional embodiment, determining and pushing the selectable sub-application of the current application unit in the preset application unit library includes: determining the selectable sub-application of the current application unit in the application unit library according to the application unit serial number, the initial sub-application set, and the selected sub-application, and pushing the selectable sub-application of the current application unit.

[0092] Specifically, the application unit sequence number (application unit ID) is sorted according to the service life cycle, the sub-applications are grouped according to the application units, and each sub-application has a corresponding application unit sequence number. The terminal finds the sub-application corresponding to the application unit sequence number from the initial sub-application set according to the application unit sequence number, obtains a plurality of sub-applications of the current application unit, filters the plurality of sub-applications of the current application unit according to the selected sub-application according to the mutual exclusion rule between the sub-applications in the preset sub-application filtering rule, obtains the selectable sub-applications of the current application unit in the application unit library, and pushes the selectable sub-applications of the current application unit in the application unit library.

[0093] In this embodiment, the mutually exclusive sub-applications are dynamically filtered according to the selected sub-application according to the mutual exclusion rule between the sub-applications, the selectable sub-applications of the next application unit are adjusted, the exclusion process of the demand side for the mutually exclusive sub-applications is reduced, and the efficiency of the business demand analysis is further improved.

[0094] In an optional embodiment, the method further comprises: constructing a business system according to the selected sub-application and the demand data.

[0095] Specifically, the terminal constructs a business system based on the middle platform mode according to the selected sub-application and the demand specification, and the business system includes a support layer, a service layer, an application layer, and a channel access layer from bottom to top.

[0096] As shown in Figure 3 The channel access layer includes a plurality of different types of payment entrances, including common channels such as mobile phone APP, H5 gateway, WeChat public number, etc.

[0097] The application layer, also known as the capability assembly layer, is based on the atomic capabilities of the service layer to assemble application units suitable for different business scenarios, including account management, benefit center, payment authentication, fund payment, and merchant clearing. The sub-application set extracted from each application unit can be connected to form a complete payment collection business closed loop. With the expansion of business scenarios, the application unit can be continuously expanded.

[0098] The service layer, also referred to as the capability atom layer, is divided into a plurality of software system sub-modules, including an identity service module, a benefit resource module, a payment authentication module, a payment resource module, and a fund clearing module, and provides an assemblable and extensible acquirer service atom capability. For example, the identity service module provides payment customer real-name authentication and payment perspective account full information query; the benefit resource module provides trial calculation, verification, and return service of full-category benefit products, including preferential activities, coupons, comprehensive points, and prepaid cards; the payment authentication module provides payment customer identity authentication service, which can verify the real identity of the customer through face recognition, password, or SMS verification code, or provide small-amount password-free payment service based on a signed customer; the payment resource module provides payment account service, which can be a debit card, a credit card, a small-amount wallet payment, or a real-time redemption payment service of a money fund; and the fund clearing module provides fund transfer service to a merchant, including collecting customer payment funds and transferring them into a merchant settlement account or a cooperative platform and service provider sub-account, and providing fund reconciliation and error processing services.

[0099] The support layer includes a technology middle platform, a data middle platform, and a public data module. The technology middle platform provides acquirer system technology consistency standards, and the data middle platform provides storage of data in the acquirer system.

[0100] In this embodiment, the business requirement analysis method and the business system are both constructed based on a middle platform mode, and the business system is constructed according to a requirement specification and selected sub-applications. The demand party does not need to prepare a requirement document in advance, and can generate a requirement specification through a visual interactive system; no longer depends on the understanding degree of the demand party on the acquirer system, and can independently select according to the actual application scene based on the mature acquirer service capabilities and applications of the bank; is more suitable for the characteristics of the acquirer business demand, and the process of interaction with the customer is simple, and the demand focuses on the flow of funds between accounts, so the demand content pays more attention to the acquirer service capability of the system, and the acquirer service application and the software system application module corresponding to the acquirer service application sorted out based on the business middle platform mode are one-to-one, which is helpful to quickly convert the demand into a system service and facilitates agile iterative development of the technical development department.

[0101] In an optional embodiment, generating the requirement data according to the cumulative selected sub-applications includes: generating the requirement data according to the cumulative selected sub-applications and corresponding sub-application basic attributes.

[0102] The sub-application basic attributes include a sub-application ID, a sub-application definition (a specific description of the sub-application), a sub-application purpose (a background of the sub-application, a service pain point solved by the sub-application, and a value role), a sub-application service range (not limited to applicable scene ID, channel ID, user ID, etc.), a sub-application service list (a technical API service interface list), and a use instruction.

[0103] Specifically, the sub-application is constructed by a plurality of sub-functions, and the sub-application basic attribute is composed of capability basic attributes of the plurality of sub-functions (atomic capabilities) constructing the sub-application. The terminal first defines the capabilities and constructs a capability library according to the service sorting of the acquirer software system, and the capability library includes a plurality of sub-functions (i.e., atomic capabilities). Then, the capabilities are assembled, one or more capabilities are combined to form a sub-application, and each item of capability is executed by a server module to complete a specific sub-application of the business requirement.

[0104] The capability basic attribute includes a capability ID, a capability definition (a specific description of the capability content), a capability purpose (a background of the capability, a service pain point to be solved, and a value effect), a capability range (not limited to applicable scene IDs, channel IDs, user IDs, etc.), a service list (a technical API service interface list), a use instruction, etc.

[0105] A scene data dictionary is established, including bank-owned scenes, exogenous ecological cooperation scenes, etc., and the service scenes are written into the scene data dictionary. A channel data dictionary is established, including mobile phone APPs, H5 gateways, WeChat public accounts, WeChat mini-programs, etc., and the channel data is written into the channel data dictionary. A user data dictionary is established, including tourists, cardholders, electronic channel subscribers, and fast payment subscribers, etc., and the user data is written into the user data dictionary. The attributes of the above capability ranges can be dynamically extended.

[0106] The application takes a complete business requirement analysis process as an example to explain the business requirement analysis method provided by the application, as shown in Figure 4

[0107] (1) Respond to the business requirement analysis request to obtain initial service information.

[0108] (2) Initialize the preset sub-application set according to the initial service information to obtain an initial sub-application set.

[0109] (3) According to the initial sub-application set and the application unit sequence, determine and push the selectable sub-application of the current application unit in the preset application unit library. Further, according to the application unit sequence, preferentially display the first layer application unit 【1 account management】 and the selectable sub-application to the demand side.

[0110] (4) The demand side checks the required sub-application, responds to the selection operation of the selectable sub-application of the current application unit, dynamically filters the sub-application mutually exclusive with the selected sub-application according to the preset sub-application filtering rule, determines and pushes the selectable sub-application of the next application unit in the application unit library. Further, according to the rule engine, dynamically shield the sub-application mutually exclusive with the selected sub-application, and the shielded sub-application is not limited to the current application unit.

[0111] ​(5) Obtain the custom sub-application and the connection relationship between the custom sub-application and other sub-applications; update the preset sub-application screening rule according to the connection relationship. Further, the stackable sub-application can be written by the demand side, and the system will incorporate the rule into the preset sub-application screening rule.

[0112] (6) Cycle steps (3)-(5), when the selection of the sub-application of all application units in the preset application unit library is completed, generate the demand data according to the accumulated selected sub-application. Further, when the selection of all application units by the demand side is completed, the selected sub-application set can be combined into a complete demand specification.

[0113] It should be understood that, although each step in the flowchart involved in each embodiment as described above is displayed in sequence according to the arrow, these steps are not necessarily executed in the order indicated by the arrow. Unless explicitly stated herein, the execution of these steps is not strictly limited in sequence, and these steps can be executed in other orders. Moreover, at least part of the steps in the flowchart involved in each embodiment as described above can include multiple steps or stages, which are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily sequential, but can be alternately executed with at least part of other steps or steps or stages in other steps.

[0114] Based on the same inventive concept, the embodiments of the present application also provide a business demand analysis device for implementing the above-mentioned business demand analysis method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme described in the above method, so the specific limitations in one or more business demand analysis device embodiments provided below can refer to the limitations of the business demand analysis method in the above text, which will not be repeated here.

[0115] In one embodiment, as shown in Figure 5 a business demand analysis device is provided, comprising: an acquisition module 502, an initialization module 504, a pushing module 506, a screening module 508, a cycling module 510 and a generation module 512, wherein:

[0116] The acquisition module 502 is configured to acquire initial service information in response to a business demand analysis request.

[0117] The initialization module 504 is configured to initialize a preset sub-application set according to the initial service information to obtain an initial sub-application set.

[0118] The pushing module 506 is configured to determine and push the selectable sub-application of the current application unit in the preset application unit library according to the initial sub-application set.

[0119] The screening module 508 is configured to dynamically filter, in response to a selection operation on a selectable sub-application of the current application unit, a sub-application that is mutually exclusive with the selected sub-application according to a preset sub-application screening rule.

[0120] The circulating module 510 is configured to re-set a next application unit in the preset application unit library as the current application unit, and return to the pushing module 506, which is configured to determine and push, according to the initial sub-application set, the selectable sub-application of the current application unit in the preset application unit library.

[0121] The generating module 512 is configured to generate, when the selection of the sub-application of all the application units in the preset application unit library is completed, demand data according to the accumulated selected sub-application.

[0122] In an embodiment, the initialization module 504 is further configured to screen, according to the initial service information and the preset sub-application screening rule, the initial sub-application set from the preset sub-application set to obtain the initial sub-application set.

[0123] In an embodiment, the obtaining module 502 is further configured to obtain a custom sub-application and a connection relationship between the custom sub-application and other sub-applications; update the preset sub-application set according to the custom sub-application; and update the preset sub-application screening rule according to the connection relationship.

[0124] In an embodiment, the screening module 508 is further configured to determine, according to the application unit serial number, the initial sub-application set and the selected sub-application, the selectable sub-application of the current application unit in the application unit library, and push the selectable sub-application of the current application unit.

[0125] In an embodiment, the generating module 512 is further configured to generate, according to the accumulated selected sub-application and a corresponding sub-application basic attribute, demand data.

[0126] In an embodiment, the business demand analysis apparatus further includes a system construction module configured to construct a business system according to the selected sub-application and the demand data.

[0127] The above-described various modules in the business demand analysis apparatus can be all or partially implemented by software, hardware and combinations thereof. The above-described various modules can be embedded in or independent of a processor in a computer device in a hardware form, or stored in a memory in the computer device in a software form, so as to be called and executed by a processor to perform operations corresponding to the above-described various modules.

[0128] In an embodiment, a computer device is provided, which can be a terminal, and an internal structure diagram of the computer device can be as shown in Figure 6As shown in the figure. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected by a system bus. Among them, the processor of the computer device is used to provide computing and control capability. The memory of the computer device includes a non-volatile storage medium, an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used for wired or wireless communication with external terminals. Wireless mode can be achieved through WIFI, mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by the processor to implement a business demand analysis method. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer overlaid on the display screen, or a key, trackball or touchpad provided on the shell of the computer device, or an external keyboard, touchpad or mouse, etc.

[0129] Those skilled in the art can understand that, Figure 6 The structure shown in the figure is only a block diagram of part of the structure related to the scheme of the present application, and does not constitute a limitation on the computer device to which the scheme of the present application is applied. The specific computer device can include more or fewer components than those shown in the figure, or combine certain components, or have a different component arrangement.

[0130] In one embodiment, a computer device is provided, comprising a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the following steps:

[0131] In response to a business demand analysis request, initial service information is obtained;

[0132] According to the initial service information, the preset sub-application set is initialized to obtain an initial sub-application set;

[0133] According to the initial sub-application set, the selectable sub-applications of the current application unit in the preset application unit library are determined and pushed;

[0134] In response to the selection operation of the selectable sub-applications of the current application unit, the sub-applications mutually exclusive with the selected sub-applications are dynamically filtered according to the preset sub-application filtering rule;

[0135] The next application unit in the preset application unit library is reselected as the current application unit, and the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set is returned;

[0136] When the selection of sub-applications of all application units in the preset application unit library is completed, the demand data is generated according to the cumulative selected sub-applications.

[0137] In one embodiment, the processor, when executing the computer program, also implements the following steps: initializing the preset sub-application set according to the initial service information to obtain an initial sub-application set, including: screening from the preset sub-application set according to the initial service information and a preset sub-application screening rule to obtain the initial sub-application set.

[0138] In one embodiment, the processor, when executing the computer program, also implements the following steps: before generating the requirement data according to the selected sub-application, further including: obtaining a custom sub-application and a connection relationship between the custom sub-application and other sub-applications; updating the preset sub-application set according to the custom sub-application; and updating the preset sub-application screening rule according to the connection relationship.

[0139] In one embodiment, the processor, when executing the computer program, also implements the following steps: determining and pushing the selectable sub-application of the current application unit in the preset application unit library includes: determining the selectable sub-application of the current application unit in the application unit library according to the application unit serial number, the initial sub-application set and the selected sub-application, and pushing the selectable sub-application of the current application unit.

[0140] In one embodiment, the processor, when executing the computer program, also implements the following steps: generating the requirement data according to the cumulative selected sub-application includes: generating the requirement data according to the cumulative selected sub-application and the corresponding sub-application basic attribute.

[0141] In one embodiment, the processor, when executing the computer program, also implements the following steps: the method further includes: constructing a business system according to the selected sub-application and the requirement data.

[0142] In one embodiment, a computer readable storage medium is provided, and the computer readable storage medium stores a computer program. The computer program is executed by a processor to implement the following steps:

[0143] In response to a business requirement analysis request, initial service information is obtained;

[0144] The preset sub-application set is initialized according to the initial service information to obtain an initial sub-application set;

[0145] The selectable sub-application of the current application unit in the preset application unit library is determined and pushed according to the initial sub-application set;

[0146] In response to a selection operation on the selectable sub-application of the current application unit, a sub-application that is mutually exclusive with the selected sub-application is dynamically filtered according to the preset sub-application screening rule;

[0147] The next application unit in the preset application unit library is re-set as the current application unit, and the step of determining and pushing the selectable sub-application of the current application unit in the preset application unit library according to the initial sub-application set is returned;

[0148] When the selection of the sub-applications of all the application units in the preset application unit library is completed, the demand data is generated according to the accumulated selected sub-applications.

[0149] In one embodiment, the computer program, when executed by the processor, further implements the following steps: initializing the preset sub-application set according to the initial service information to obtain an initial sub-application set, including: screening from the preset sub-application set according to the initial service information and the preset sub-application screening rule to obtain the initial sub-application set.

[0150] In one embodiment, the computer program, when executed by the processor, further implements the following steps: before generating the demand data according to the selected sub-applications, further including: obtaining the custom sub-application and the connection relationship between the custom sub-application and other sub-applications; updating the preset sub-application set according to the custom sub-application; updating the preset sub-application screening rule according to the connection relationship.

[0151] In one embodiment, the computer program, when executed by the processor, further implements the following steps: determining and pushing the selectable sub-applications of the current application unit in the preset application unit library includes: determining the selectable sub-applications of the current application unit in the application unit library according to the application unit serial number, the initial sub-application set and the selected sub-applications, and pushing the selectable sub-applications of the current application unit.

[0152] In one embodiment, the computer program, when executed by the processor, further implements the following steps: generating the demand data according to the accumulated selected sub-applications includes: generating the demand data according to the accumulated selected sub-applications and the corresponding sub-application basic attributes.

[0153] In one embodiment, the computer program, when executed by the processor, further implements the following steps: the method further includes: constructing a business system according to the selected sub-applications and the demand data.

[0154] In one embodiment, a computer program product is provided, including a computer program, which, when executed by a processor, implements the following steps:

[0155] In response to a business demand analysis request, initial service information is obtained;

[0156] The preset sub-application set is initialized according to the initial service information to obtain an initial sub-application set;

[0157] The selectable sub-applications of the current application unit in the preset application unit library are determined and pushed according to the initial sub-application set;

[0158] In response to a selection operation on the selectable sub-applications of the current application unit, the sub-applications mutually exclusive with the selected sub-applications are dynamically filtered according to the preset sub-application screening rule;

[0159] The next application unit in the preset application unit library is reselected as the current application unit, and the step of determining and pushing the selectable sub-applications of the current application unit in the preset application unit library according to the initial sub-application set is returned.

[0160] When the sub-application selection of all application units in the preset application unit library is completed, the demand data is generated according to the cumulative selected sub-applications.

[0161] In one embodiment, the computer program is further implemented when executed by the processor to perform the following steps: initializing the preset sub-application set according to the initial service information to obtain the initial sub-application set, including: selecting from the preset sub-application set according to the initial service information and the preset sub-application filtering rule to obtain the initial sub-application set.

[0162] In one embodiment, the computer program is further implemented when executed by the processor to perform the following steps: before generating the demand data according to the selected sub-applications, further including: obtaining the custom sub-application and the connection relationship between the custom sub-application and other sub-applications; updating the preset sub-application set according to the custom sub-application; updating the preset sub-application filtering rule according to the connection relationship.

[0163] In one embodiment, the computer program is further implemented when executed by the processor to perform the following steps: determining and pushing the selectable sub-applications of the current application unit in the preset application unit library includes: determining the selectable sub-applications of the current application unit in the application unit library according to the application unit serial number, the initial sub-application set, and the selected sub-applications, and pushing the selectable sub-applications of the current application unit.

[0164] In one embodiment, the computer program is further implemented when executed by the processor to perform the following steps: generating the demand data according to the cumulative selected sub-applications includes: generating the demand data according to the cumulative selected sub-applications and the corresponding sub-application basic attributes.

[0165] In one embodiment, the computer program is further implemented when executed by the processor to perform the following steps: the method further includes: constructing a business system according to the selected sub-applications and the demand data.

[0166] It should be noted that the user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present application are all information and data authorized by the user or authorized by all parties.

[0167] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer readable storage medium, and when the computer program is executed, the processes of the above-mentioned embodiments of the methods can be included. Any reference to memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (Read-Only Memory, ROM), magnetic tape, floppy disk, flash memory, optical storage, high-density embedded non-volatile memory, resistive memory (ReRAM), magnetoresistive random access memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric memory (Ferroelectric Random Access Memory, FRAM), phase change memory (Phase Change Memory, PCM), graphene memory, etc. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, etc. As an illustration but not limitation, RAM can be in various forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), etc. The database involved in the embodiments provided in the present application can include at least one of a relational database and a non-relational database. The non-relational database can include a distributed database based on a block chain, etc., without being limited thereto. The processor involved in the embodiments provided in the present application can be a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., without being limited thereto.

[0168] Any combination of the technical features of the above embodiments can be made. In order to make the description simple, all possible combinations of the technical features in the above embodiments are not described, however, as long as the combination of the technical features does not exist contradictory, it should be considered as the scope of the present application.

[0169] The above embodiments only express several implementation manners of the present application, and the description is more specific and detailed, but it should not be understood as a limitation on the scope of the patent of the present application. It should be pointed out that for ordinary skilled in the art, without departing from the concept of the present application, a number of modifications and improvements can be made, which are within the scope of protection of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A business requirement analysis method, characterized by, The method comprises: in response to a business demand analysis request, obtaining initial service information, the initial service information comprising initial demand information; screening sub-applications meeting the initial service information from a preset sub-application set according to the initial service information to obtain an initial sub-application set; from the initial sub-application set, finding selectable sub-applications corresponding to a current application unit in a preset application unit library, and pushing the selectable sub-applications, the preset application unit library comprising a plurality of application units of an entire business process, and each application unit being sorted according to a collection and payment business process; in response to a selection operation on the selectable sub-applications of the current application unit, dynamically filtering sub-applications mutually exclusive with the selected sub-applications according to a preset sub-application screening rule; renewing a next application unit in the preset application unit library as the current application unit, and returning to the step of finding the selectable sub-applications corresponding to the current application unit in the preset application unit library from the initial sub-application set and pushing the selectable sub-applications; when the selection of the sub-applications of all the application units in the preset application unit library is completed, generating demand data according to the cumulative selected sub-applications.

2. The method of claim 1, wherein, The screening of the sub-applications meeting the initial service information from the preset sub-application set according to the initial service information to obtain the initial sub-application set comprises: screening from the preset sub-application set according to the initial service information and a preset sub-application screening rule to obtain the initial sub-application set.

3. The method of claim 1, wherein, Before the generation of the demand data according to the selected sub-applications, the method further comprises: obtaining a custom sub-application and a connection relationship between the custom sub-application and other sub-applications; updating the preset sub-application set according to the custom sub-application; updating the preset sub-application screening rule according to the connection relationship.

4. The method of claim 1, wherein, The finding of the selectable sub-applications corresponding to the current application unit in the preset application unit library from the initial sub-application set and the pushing of the selectable sub-applications comprise: determining the selectable sub-applications of the current application unit in the application unit library according to an application unit serial number, the initial sub-application set and the selected sub-applications, and pushing the selectable sub-applications of the current application unit.

5. The method of claim 1, wherein, The generation of the demand data according to the cumulative selected sub-applications comprises: generating the demand data according to the cumulative selected sub-applications and corresponding sub-application basic attributes.

6. The method of claim 1, wherein, The method further comprises: constructing a business system according to the selected sub-applications and the demand data.

7. A service demand analysis apparatus characterized by comprising: The device comprises: an obtaining module configured to obtain initial service information in response to a business demand analysis request, the initial service information comprising initial demand information; an initialization module configured to screen sub-applications meeting the initial service information from a preset sub-application set according to the initial service information to obtain an initial sub-application set; a pushing module configured to find selectable sub-applications corresponding to a current application unit in a preset application unit library from the initial sub-application set, and push the selectable sub-applications, the preset application unit library comprising a plurality of application units of an entire business process, and each application unit being sorted according to a collection and payment business process; The screening module is configured to, in response to a selection operation on the selectable sub-application of the current application unit, dynamically filter the sub-application that is mutually exclusive with the selected sub-application according to a preset sub-application screening rule; The cycling module is configured to return to the step of searching for the selectable sub-application corresponding to the current application unit in the preset application unit library from the initial sub-application set, and push the selectable sub-application, by reusing the next application unit in the preset application unit library as the current application unit. The generating module is configured to, when the selection of the sub-application of all the application units in the preset application unit library is completed, generate demand data according to the accumulated selected sub-application.

8. The apparatus of claim 7, wherein, The initialization module is further configured to screen the initial sub-application set according to the initial service information and the preset sub-application screening rule.

9. The apparatus of claim 7, wherein, The obtaining module is further configured to obtain a custom sub-application and a connection relationship between the custom sub-application and other sub-applications. The preset sub-application set is updated according to the custom sub-application. The preset sub-application screening rule is updated according to the connection relationship.

10. The apparatus of claim 7, wherein, The screening module is further configured to determine the selectable sub-application of the current application unit in the application unit library according to the application unit serial number, the initial sub-application set and the selected sub-application, and push the selectable sub-application of the current application unit.

11. The apparatus of claim 7, wherein, The generating module is further configured to generate demand data according to the accumulated selected sub-application and the corresponding sub-application basic attribute.

12. The apparatus of claim 7, wherein, The business demand analysis device further includes a system construction module configured to construct a business system according to the selected sub-application and the demand data.

13. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that, The processor executes the computer program to implement the steps of the method in any one of claims 1 to 6.

14. A computer readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method in any one of claims 1 to 6.

15. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method in any one of claims 1 to 6.

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