A business processing method, device, electronic device and computer readable medium

Abstract

The present application discloses a business processing method, device, electronic device and computer-readable medium, and relates to the field of big data data processing. The method includes: receiving a business processing request, obtaining the corresponding contract type identifier, contract identifier and service identifier; obtaining the user identifier carried in the business processing request, obtaining the corresponding historical business processing data based on the user identifier, and generating a corresponding user portrait based on the historical business processing data; determining the service priority based on the user portrait, combining the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, querying the information corresponding to the contract identifier, and outputting the queried information. By combining each service identifier based on the contract type identifier to generate a combined service identifier; based on each combined service identifier, querying the information corresponding to the contract identifier. Avoiding repeated system construction and reducing business promotion costs.

Description

Technical Field

[0001] The present application relates to the field of big data processing technology, and in particular to a business processing method, device, electronic device and computer-readable medium. Background Art

[0002] When processing inquiries about internal and external loans and provident fund deposit information from users of various channels, branches need to do more development work due to the limitations of the scope and modes of business data that can be obtained by the branch and the relatively simple method of data synchronization.

[0003] In the process of implementing this application, the inventors found that there are at least the following problems in the prior art:

[0004] When processing inquiries from users from various channels regarding internal and external bank loans and provident fund deposit information, the system must be rebuilt according to their respective business models, resulting in duplicate system construction, high business promotion costs, and is not conducive to bank-wide promotion of the business. Summary of the invention

[0005] In view of this, the embodiments of the present application provide a business processing method, device, electronic device and computer-readable medium, which can solve the existing problem that when processing the query business of internal and external loans and provident fund deposit information from users of various channels, the system must be rebuilt according to the respective business models, resulting in repeated system construction, high business promotion costs, and unfavorable promotion of the business across the bank.

[0006] To achieve the above objective, according to one aspect of an embodiment of the present application, a service processing method is provided, including:

[0007] Receive a business processing request and obtain the corresponding contract type identifier, contract identifier, and service identifier;

[0008] Obtain the user ID carried in the business processing request, obtain the corresponding historical business processing data based on the user ID, and generate the corresponding user profile based on the historical business processing data;

[0009] Determine the service priority based on the user profile, and combine the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier;

[0010] Based on each combined service identifier, the information corresponding to the contract identifier is queried and the queried information is output.

[0011] Optionally, generate a composite service identifier, including:

[0012] Clustering the service identifiers based on the contract type identifiers to obtain clusters;

[0013] The service identifiers in each cluster are sorted based on the service priority, and the sorted service identifiers in each cluster are combined in sequence to generate a combined service identifier.

[0014] Optionally, generate a composite service identifier, including:

[0015] Based on the service priority, the service identifiers corresponding to the same contract type identifier are combined to generate a combined service identifier.

[0016] Optionally, querying information corresponding to the contract signing identifier includes:

[0017] In response to the external service corresponding to the combined service identifier, a predefined unified query interface is called to query external data corresponding to the contract identifier based on the combined service identifier.

[0018] Optionally, querying information corresponding to the contract signing identifier includes:

[0019] In response to the inline service corresponding to the combined service identifier, determining a query type corresponding to the combined service identifier;

[0020] The corresponding query component is called according to the query type to query the information corresponding to the contract identification.

[0021] Optionally, calling a corresponding query component according to the query type to query information corresponding to the contract signing identifier includes:

[0022] The services corresponding to the combined service identifier are determined, and then the corresponding query component is called according to the query type to query the information corresponding to the contract identifier and each service.

[0023] Optionally, based on each combined service identifier, querying information corresponding to the contract identifier includes:

[0024] The routing rule identifier carried in the business processing request is obtained, and then the information corresponding to the contract identifier is queried according to the routing rule identifier and each combined service identifier.

[0025] Optionally, querying information corresponding to the contract signing identifier according to the routing rule identifier and each combined service identifier includes:

[0026] Determine the services corresponding to the combined service identifiers;

[0027] According to the routing rule identifier, the corresponding query program is called to query the information corresponding to each service and contract identifier.

[0028] In addition, the present application also provides a service processing device, including:

[0029] A receiving unit is configured to receive a service processing request and obtain a corresponding contract type identifier, contract identifier and service identifier;

[0030] A user portrait generation unit, which obtains a user identifier carried in a business processing request, obtains corresponding historical business processing data based on the user identifier, and generates a corresponding user portrait based on the historical business processing data;

[0031] a combined service identifier generating unit configured to determine a service priority based on the user profile, and to combine the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier;

[0032] The information query unit is configured to query the information corresponding to the contract identification based on each combined service identification, and output the queried information.

[0033] Optionally, the combined service identifier generation unit is further configured to:

[0034] Clustering the service identifiers based on the contract type identifiers to obtain clusters;

[0035] The service identifiers in each cluster are sorted based on the service priority, and the sorted service identifiers in each cluster are combined in sequence to generate a combined service identifier.

[0036] Optionally, the combined service identifier generation unit is further configured to:

[0037] Based on the service priority, the service identifiers corresponding to the same contract type identifier are combined to generate a combined service identifier.

[0038] Optionally, the information query unit is further configured to:

[0039] In response to the external service corresponding to the combined service identifier, a predefined unified query interface is called to query external data corresponding to the contract identifier based on the combined service identifier.

[0040] Optionally, the information query unit is further configured to:

[0041] In response to the inline service corresponding to the combined service identifier, determining a query type corresponding to the combined service identifier;

[0042] The corresponding query component is called according to the query type to query the information corresponding to the contract identification.

[0043] Optionally, the information query unit is further configured to:

[0044] The services corresponding to the combined service identifier are determined, and then the corresponding query component is called according to the query type to query the information corresponding to the contract identifier and each service.

[0045] Optionally, the information query unit is further configured to:

[0046] The routing rule identifier carried in the business processing request is obtained, and then the information corresponding to the contract identifier is queried according to the routing rule identifier and each combined service identifier.

[0047] Optionally, the information query unit is further configured to:

[0048] Determine the services corresponding to the combined service identifiers;

[0049] According to the routing rule identifier, the corresponding query program is called to query the information corresponding to each service and contract identifier.

[0050] In addition, the present application also provides a business processing electronic device, including: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by one or more processors, the one or more processors implement the business processing method as described above.

[0051] In addition, the present application also provides a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the business processing method as described above is implemented.

[0052] To achieve the above objective, according to another aspect of the embodiments of the present application, a computer program product is provided.

[0053] A computer program product according to an embodiment of the present application includes a computer program, and when the program is executed by a processor, the business processing method provided by the embodiment of the present application is implemented.

[0054] An embodiment of the above invention has the following advantages or beneficial effects: the present application obtains the corresponding contract type identifier, contract identifier and service identifier by receiving a business processing request; obtains the user identifier carried in the business processing request, obtains the corresponding historical business processing data based on the user identifier, and generates the corresponding user portrait based on the historical business processing data; determines the service priority based on the user portrait, combines the service identifier based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, queries the information corresponding to the contract identifier and outputs the queried information. By combining each service identifier based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, queries the information corresponding to the contract identifier. Through the service combination, the query mode of the characteristic systems of branches in various regions is integrated, and queries from different channels such as self-service terminals, online banking and counters are supported, and queries from different institutions are supported. There is no need to rebuild the system according to each business model, avoid repeated system construction, improve user stickiness, and reduce business promotion costs to achieve bank-wide promotion of the business.

[0055] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] The accompanying drawings are used to better understand the present application and do not constitute an improper limitation on the present application.

[0057] Figure 1 is a schematic diagram of the main process of the business processing method according to the first embodiment of the present application;

[0058] Figure 2 is a schematic diagram of the main process of the business processing method according to the second embodiment of the present application;

[0059] Figure 3 is a schematic diagram of the main process of the business processing method according to the third embodiment of the present application;

[0060] Figure 4 is a schematic diagram of an application scenario of a business processing method according to a fourth embodiment of the present application;

[0061] Figure 5 is a schematic diagram of an application scenario of a business processing method according to a fifth embodiment of the present application;

[0062] Figure 6 is a transaction path diagram of a business processing method according to a sixth embodiment of the present application;

[0063] Figure 7 is a schematic diagram of a loan inquiry transaction line according to a business processing method of a seventh embodiment of the present application;

[0064] Figure 8 is a schematic diagram of main units of a service processing device according to an embodiment of the present application;

[0065] Fig. 9 is an exemplary system architecture diagram to which the embodiments of the present application can be applied;

[0066] Fig.10 It is a structural diagram of a computer system of a terminal device or server suitable for implementing an embodiment of the present application. DETAILED DESCRIPTION

[0067] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. The acquisition, storage, use, and processing of data in the technical solution of the present application are in compliance with the relevant provisions of national laws and regulations.

[0068] Figure 1 is a schematic diagram of the main process of the business processing method according to the first embodiment of the present application, such as Figure 1 As shown, the business processing method includes:

[0069] Step S101: receiving a business processing request and obtaining a corresponding contract type identifier, contract identifier and service identifier.

[0070] In this embodiment, the execution subject of the business processing method (for example, it can be a server) can receive the business processing request through a wired connection or a wireless connection. The business processing request can be, for example, a request to query the provident fund information, loan information or co-branded card number corresponding to the contract identification XX. The business processing request carries a contract type identification, a contract identification and a service identification. The contract type identification is used to indicate whether it is an internal contract (for example, a contract between departments or individuals within the bank) or an external contract (for example, a contract between a bank and an external company or individual). The contract identification can be, for example, a contract number. The service identification can be, for example, the number of each service corresponding to the contract, such as the numbers 01, 02, and 03 corresponding to the loan inquiry service, the co-branded card number inquiry service, and the contract service. The service identification can be one or more. For example, when the service identification is one, the service identification can correspond to any one of the off-line loan inquiry service, the co-branded card number inquiry service, the internal loan inquiry service, and the contract service; when the service identification is multiple, it can correspond to any one of the off-line loan inquiry service, the co-branded card number inquiry service, the internal loan inquiry service, and the contract service. The service identifier is used to indicate which services within the bank are to be called, or which services outside the bank are to be called. The "contract type identifier" is used to indicate whether the service is to be called within the bank or outside the bank.

[0071] Step S102, obtain the user identifier carried in the business processing request, obtain the corresponding historical business processing data based on the user identifier, and generate a corresponding user portrait based on the historical business processing data.

[0072] The execution entity may perform a user profile analysis on the user who initiated the business processing request, specifically by obtaining a user identifier from the business processing request, which is the identifier corresponding to the user who initiated the business processing request. The user identifier may be a user name, user number, etc.

[0073] After obtaining the user ID, the execution subject can obtain the historical business processing data corresponding to the user ID to determine the user's preferred service based on the historical business processing data. For example, when the user initiates a historical business processing request, he or she prefers to select service A first, then service B, and finally service C. The execution subject can generate a user profile based on the user's preferred service selection order when initiating a historical business processing request. The user profile is used to characterize the user's preference order for service selection.

[0074] Step S103, determining the service priority based on the user portrait, and combining the service identifier based on the contract type identifier and the service priority to generate a combined service identifier.

[0075] The execution entity can determine the service priority based on the priority order of service selection determined by the user portrait. Then, for the service identifiers (such as A, B, C, D) corresponding to the same contract type identifier (such as HN), the execution entity can combine the service identifiers based on the service priority. For example, the service priority is: A service>B service>C service>E service>F service>G service. When the service identifiers corresponding to the same contract type identifier (such as HN) are A, B, C, and D, the service identifiers are combined based on the order of the services corresponding to the service priority to generate a combined service identifier. For example, the combined service identifier is: ABCD. The embodiment of the present application does not specifically limit the representation method of the service identifier.

[0076] Step S104: Based on each combined service identifier, query the information corresponding to the contract identifier and output the queried information.

[0077] For example, the execution subject can query the information corresponding to the contract identification XX based on the combined service identification GJJ-DK-CK, and then query the provident fund information, loan information and deposit information corresponding to the contract identification XX within the bank. This avoids the query of information outside the bank, saves query time, and speeds up information query.

[0078] Specifically, based on each combined service identifier, querying the information corresponding to the contract identifier includes:

[0079] The routing rule identifier carried in the business processing request is obtained, and then the information corresponding to the contract identifier is queried according to the routing rule identifier and each combined service identifier.

[0080] Routing: It is a basic concept in the network. The basic function of the network is to enable two IP addresses in the network to communicate with each other. When a router receives an IP data packet, it will parse the destination IP address in the IP data packet, and then search the routing table according to the destination IP address. According to the longest mask match principle, it will find the corresponding routing entry and forward the message according to the next hop or outbound interface in the routing entry. This is routing. The routing rule identifier is used to represent the location and order of the information query address. For example, the routing rule identifier is I-192.168.2.0 / 24-192.168.2.0 / 25, which means intra-row query - the queried IP addresses are 192.168.2.0 / 24 and 192.168.2.0 / 25 respectively.

[0081] The execution subject can query the information corresponding to the combined service identifier corresponding to the contract identifier (such as the contract number) from the database corresponding to the corresponding IP address in sequence based on the IP address sequence in the routing rule identifier. For example, the execution subject can query the bank provident fund, loan, and deposit corresponding to the combined service identifier (GJJ-DK-CK) corresponding to the contract identifier XX in sequence from the corresponding database based on the IP addresses 192.168.2.0 / 24 and 192.168.2.0 / 25 in the routing rule identifier.

[0082] Specifically, according to the routing rule identifier and each combined service identifier, the information corresponding to the contract identifier is queried, including: determining each service corresponding to each combined service identifier (for example, provident fund query service, loan query service, deposit query service); according to the routing rule identifier (for example, I-192.168.2.0 / 24-192.168.2.0 / 25, where I represents intra-bank query), calling the corresponding query program (for example, calling the interface corresponding to IP addresses 192.168.2.0 / 24 and 192.168.2.0 / 25 to trigger the execution of the query program in the corresponding interface) to query the information corresponding to each service (for example, provident fund query service, loan query service, deposit query service) and the contract identifier (for example, contract number).

[0083] This embodiment receives a business processing request to obtain the corresponding contract type identifier, contract identifier, and service identifier; combines the service identifiers based on the contract type identifier to generate a combined service identifier; queries the information corresponding to the contract identifier based on each combined service identifier, and outputs the queried information. By combining each service identifier based on the contract type identifier to generate a combined service identifier; queries the information corresponding to the contract identifier based on each combined service identifier. The query modes of the characteristic systems of branches in various regions are integrated through service combination, and queries from different channels such as self-service terminals, online banking, and counters are supported, as well as queries from different institutions. There is no need to rebuild the system according to each business model, which avoids repeated system construction and reduces business promotion costs to achieve bank-wide promotion of the business.

[0084] Figure 2 is a schematic diagram of the main flow of the business processing method according to the second embodiment of the present application, such as Figure 2 As shown, the business processing method includes:

[0085] Step S201: Receive a business processing request and obtain the corresponding contract type identifier, contract identifier and service identifier.

[0086] Step S202, obtain the user identifier carried in the business processing request, obtain the corresponding historical business processing data based on the user identifier, and generate a corresponding user portrait based on the historical business processing data.

[0087] Step S203: determine the service priority based on the user portrait, and combine the service identifiers corresponding to the same contract type identifier based on the service priority to generate a combined service identifier.

[0088] For example, taking the query of bank internal (in-line) or bank external (off-line) information as an example, the contract type identifier can be used to indicate whether it is an in-line information query or an off-line information query. The execution entity can combine the service identifiers for querying in-line information, such as combining the service identifier corresponding to the provident fund query service, the service identifier corresponding to the loan query service, and the service identifier corresponding to the deposit query service to generate a service combination identifier, such as ODK-OQY-OZH, which means off-line loan query service-off-line loan contract service-loan account identification service.

[0089] Based on the service order corresponding to the service priority, the service identifiers of the services that need to be called within the bank (or outside the bank) corresponding to the same contract type identifier (such as contract number) are combined to facilitate calling the relevant components (if it is within the bank) or calling the unified interface (if it is outside the bank) to query the information corresponding to the contract identifier.

[0090] For example, if the contract type identifier is HN, that is, within the bank, the executing entity can combine at least one service identifier carried in the business processing request that corresponds to the bank (for example, GJJ, DK, CK, representing within-bank provident fund inquiry, loan inquiry, and deposit inquiry, respectively) in the service priority order of GJJ, CK, and DK to obtain a combined service identifier, such as GJJ-CK-DK.

[0091] Step S204: In response to the external service corresponding to the combined service identifier, a predefined unified query interface is called to query external data corresponding to the contract identifier based on the combined service identifier.

[0092] When the execution entity determines that the combined service identifier (for example, ODK-OQY-OZH, with "O" at the beginning, it corresponds to the external service, otherwise it does not correspond to the external service) corresponds to the external service, the execution entity can call the unified query interface of the external system to query the off-line loan information corresponding to the contract identifier (i.e., contract number) based on the combined service identifier, such as ODK-OQY-OZH, query the off-line loan contract information, and query the loan account information. Figure 4As shown, the services that the external connection system can provide include: services published by the branch internal connection platform for the head office system to call, and co-branded card signing services published by the head office for the external system to call. The external connection system is connected to the branch characteristic business system in the transition state, and the provident fund center loan data is stored in the branch characteristic business system in the transition state. The external connection system is also connected to the provident fund center system in the provident fund center system, and the provident fund center loan data is stored in the provident fund center system. The execution subject can also query the provident fund center loan data in the branch characteristic business system in the transition state or query the provident fund center loan data in the provident fund center system by calling the unified query interface of the external connection system.

[0093] Step S205: in response to the combined service identifier corresponding to the inline service, determining the query type corresponding to the combined service identifier.

[0094] When the execution subject determines that the combined service identifier corresponds to an inline service, that is, an information query performed within the head office system, the execution subject can determine the query type corresponding to the combined service identifier. The query type can be, for example, a provident fund query, a loan query, a deposit query, etc.

[0095] Step S206: Call the corresponding query component according to the query type to query the information corresponding to the contract signing identifier.

[0096] After determining the query type, the execution subject can call the query component corresponding to the query type to perform a query on the information corresponding to the contract identification. For example, Figure 4 As shown, in the head office system, service combination can be implemented to generate a combined service identifier. For example, when the head office system calls the loan account identification service to identify the loan account, it first determines whether the loan account corresponds to an in-bank loan. If so, it calls the loan query service of the loan component to query the loan business; otherwise, it calls the off-bank loan query service to query the loan business. Specifically, the off-bank system can provide off-bank loan query services, off-bank loan contract services, loan account identification services, and query services for co-branded cards and loan information contract data.

[0097] Specifically, the corresponding query component is called according to the query type to query the information corresponding to the contract identification, including: determining the services corresponding to the combined service identification, and then calling the corresponding query component according to the query type, for example, calling the loan component when the query type is a loan query, and calling the provident fund component when the query type is a provident fund query, so as to query the information corresponding to the contract identification and each service.

[0098] Step S207, output the queried information.

[0099] In the embodiment of the present application, in the embodiment of the present application, the enterprise bus can be a mechanism for managing access to applications and services, providing a single, simple and consistent interface to the final yoghurt through a network or a form-based client front end. Business processing method, such as Figure 4 As shown, the head office system can be connected to the enterprise bus for communication. After receiving the business processing request, the enterprise bus can call the head office system according to the loan account number or co-branded card number carried in the business processing request, or call the loan service of the external system through the head office system to query the corresponding loan information. The enterprise bus can receive business processing requests through electronic channels, online banking ATMs, or through internal channels and in-bank user channels. The embodiment of the present application does not specifically limit the source of the business processing request.

[0100] Figure 3 FIG. 1 is a schematic diagram of the main flow of the service processing method according to the third embodiment of the present application. Figure 3 As shown, the business processing method includes:

[0101] Step S301: Receive a business processing request and obtain the corresponding contract type identifier, contract identifier and service identifier.

[0102] Step S302, obtain the user identifier carried in the business processing request, obtain the corresponding historical business processing data based on the user identifier, and generate a corresponding user portrait based on the historical business processing data.

[0103] Step S303: determine the service priority based on the user portrait.

[0104] Step S304: clustering the service identifiers based on the contract type identifiers to obtain clusters.

[0105] The execution entity may group the service identifiers corresponding to one or more contract type identifiers into one category to obtain a cluster. For example, the execution entity may group the service identifiers (e.g., A, B, C) corresponding to contract type identifiers corresponding to the same attribute (e.g., HN, DK, CK, corresponding to intra-bank, loan, and deposit, respectively) into one category to obtain clusters corresponding to contract type identifiers corresponding to each attribute. Among them, in the embodiment of the present application, the "attribute" corresponding to the same attribute may be a query area or a server, and the same attribute may be the same query area or the same server. The embodiment of the present application does not specifically limit the attributes.

[0106] Step S305: sorting the service identifiers in each cluster based on the service priority, and combining the sorted service identifiers in each cluster in sequence to generate a combined service identifier.

[0107] Step S306: Based on each combined service identifier, query the information corresponding to the contract identifier and output the queried information.

[0108] Sorting the service identifiers in each cluster based on service priority can enable the user to be most interested in information to be queried first when subsequently querying information based on the combined service identifier, thereby improving user stickiness, user experience and retention rate.

[0109] Figure 5 Schematic diagram of an application scenario of a business processing method according to the fifth embodiment of the present application. Figure 5 As shown, business processing is performed through the interactive connection between the enterprise bus, the head office system and the external system. Among them, the enterprise bus receives business processing requests from electronic channels, ATMs or internal channels. The external system is registered to the enterprise bus, and then the enterprise bus can call the external system's off-line loan query service, co-branded card number query service, call the head office system's internal loan query service, contract signing service, etc. to perform business processing. Among them, the external system can provide the branch's internal platform publishing service for the head office to call. The external system is connected to the branch's characteristic business system in a transitional state, and the provident fund center loan data is stored in the branch's characteristic business system in the transitional state. The external system is also connected to the provident fund center system in a communication connection, and the provident fund center loan data is stored in the provident fund center system. The head office system can make service combinations (querying internal and external information) according to contract information and contract type. The head office system can provide loan query routing services, contract signing services, deposit query routing services, and query services for co-branded card contract data, etc. The head office system can call in-house applications, such as the loan inquiry service of the personal loan component and the deposit inquiry service of the housing reform financial deposit component to perform business processing.

[0110] Figure 6 FIG. 6 is a schematic diagram of a transaction path of a business processing method according to the sixth embodiment of the present application. Figure 6As shown, the enterprise bus receives business processing requests from the channel, and then can call the corresponding head office application according to the contract information route, and then can enter the personal loan system to query the bank's loans, enter the pump housing reform financial deposit system to query the bank's deposits, and enter the provident fund center system with external connections to query external deposits and loans. Provide parameter management in the client dimension, and meet the needs of multiple modes of query routing of the provident fund center through flexible parameter configuration. Provide flexible routing selection logic. The embodiment of the present application provides a multi-mode provident fund center and bank sharing channel based on the head office system. The bank side can achieve data query modes that support different provident fund centers through flexible parameter combination configuration. Effectively reduce the system construction of each branch when docking with the provident fund center system, avoid repeated development of each branch through centralized transaction routing; can dynamically select routes based on co-branded card information. At the same time, it also protects personal data and avoids batch transmission of data files.

[0111] Figure 7 FIG. 1 is a schematic diagram of a loan inquiry transaction line according to a business processing method of the seventh embodiment of the present application. Figure 7 As shown, the execution entity (such as the enterprise bus) receives a request for querying loan information from channel A. If the request corresponds to a query on the loan information of the external branch b, the execution entity can call the enterprise bus service to call the head office standard service to determine the corresponding transaction route, and call the service published by the branch internal platform provided by the external system through the head office system according to the transaction route to query the loan information of the external branch b, and return the queried loan information to channel A for users to view.

[0112] Figure 8 Schematic diagram of the main units of the service processing device according to an embodiment of the present application. Figure 8 As shown, the service processing device 800 includes a receiving unit 801 , a combined service identifier generating unit 802 and an information query unit 803 .

[0113] The receiving unit 801 is configured to receive a service processing request and obtain a corresponding contract type identifier, contract identifier and service identifier.

[0114] The user portrait generation unit obtains the user identifier carried in the business processing request, obtains the corresponding historical business processing data based on the user identifier, and generates a corresponding user portrait based on the historical business processing data.

[0115] The combined service identifier generating unit 802 is configured to determine the service priority based on the user portrait, and to combine the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier.

[0116] The information query unit 803 is configured to query the information corresponding to the contract identifier based on each combined service identifier, and output the queried information.

[0117] In some embodiments, the combined service identifier generating unit 802 is further configured to: combine service identifiers corresponding to the same subscription type identifier based on the service priority to generate a combined service identifier.

[0118] In some embodiments, the information query unit 803 is further configured to: in response to the combined service identifier corresponding to the external service, call a predefined unified query interface to query the external data corresponding to the contract identifier based on the combined service identifier.

[0119] In some embodiments, the information query unit 803 is further configured to: determine the query type corresponding to the combined service identifier in response to the inline service corresponding to the combined service identifier; and call the corresponding query component according to the query type to query the information corresponding to the contract identifier.

[0120] In some embodiments, the information query unit 803 is further configured to: determine each service corresponding to the combined service identifier, and then call the corresponding query component according to the query type to query the information corresponding to the contract identifier and each service.

[0121] In some embodiments, the information query unit 803 is further configured to: obtain a routing rule identifier carried in the service processing request, and then query the information corresponding to the contract identifier according to the routing rule identifier and each combined service identifier.

[0122] In some embodiments, the information query unit 803 is further configured to: determine each service corresponding to each combined service identifier; and call a corresponding query program according to the routing rule identifier to query the information corresponding to each service and contract identifier.

[0123] It should be noted that the business processing method and the business processing device of the present application have a corresponding relationship in terms of specific implementation content, so the repeated content will not be described again.

[0124] Fig. 9 An exemplary system architecture 900 is shown to which the service processing method or service processing device according to the embodiment of the present application can be applied.

[0125] like Fig. 9 As shown, system architecture 900 may include terminal devices 901, 902, 903, network 904 and server 905. Network 904 is used to provide a medium for communication links between terminal devices 901, 902, 903 and server 905. Network 904 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0126] Users can use terminal devices 901, 902, 903 to interact with server 905 through network 904 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 901, 902, 903, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0127] The terminal devices 901, 902, 903 may be various electronic devices having a service processing screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0128] Server 905 can be a server that provides various services, such as a background management server that provides support for business processing requests submitted by users using terminal devices 901, 902, and 903 (only as an example). The background management server can receive a business processing request, obtain the corresponding contract type identifier, contract identifier, and service identifier; obtain the user identifier carried in the business processing request, obtain the corresponding historical business processing data based on the user identifier, and generate a corresponding user portrait based on the historical business processing data; determine the service priority based on the user portrait, combine the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, query the information corresponding to the contract identifier and output the queried information. By combining each service identifier based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, query the information corresponding to the contract identifier. Through the service combination, the query mode of the characteristic systems of branches in various regions is integrated to support queries from different channels such as self-service terminals, online banking, and counters, and supports queries from different institutions. There is no need to rebuild the system according to each business model, avoid repeated system construction, improve user stickiness, and reduce business promotion costs to achieve bank-wide promotion of business.

[0129] It should be noted that the business processing method provided in the embodiment of the present application is generally executed by the server 905 , and accordingly, the business processing device is generally set in the server 905 .

[0130] It should be understood that Fig. 9 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0131] Reference below Fig.10 , which shows a schematic diagram of the structure of a computer system 1000 of a terminal device suitable for implementing an embodiment of the present application. Fig.10The terminal device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0132] like Fig.10 As shown, the computer system 1000 includes a central processing unit (CPU) 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage part 1008 into a random access memory (RAM) 1003. In the RAM 1003, various programs and data required for the operation of the computer system 1000 are also stored. The CPU 1001, the ROM 1002, and the RAM 1003 are connected to each other via a bus 1004. An input / output (I / O) interface 1005 is also connected to the bus 1004.

[0133] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed, so that a computer program read therefrom is installed into the storage section 1008 as needed.

[0134] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the central processing unit (CPU) 1001, the above-mentioned functions defined in the system of the present application are executed.

[0135] It should be noted that the computer-readable medium shown in the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. Computer-readable storage media may include, for example, but are not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0136] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the above-mentioned module, program segment or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0137] The units involved in the embodiments described in the present application may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes a receiving unit, a combined service identifier generating unit, and an information query unit. The names of these units do not, in some cases, constitute limitations on the units themselves.

[0138] As another aspect, the present application also provides a computer-readable medium, which may be included in the device described in the above embodiment; or it may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device receives a business processing request, obtains the corresponding contract type identifier, contract identifier, and service identifier; obtains the user identifier carried in the business processing request, obtains the corresponding historical business processing data based on the user identifier, and generates a corresponding user portrait based on the historical business processing data; determines the service priority based on the user portrait, and combines the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, queries the information corresponding to the contract identifier, and outputs the queried information.

[0139] The computer program product of the present application includes a computer program, and when the computer program is executed by a processor, the business processing method in the embodiment of the present application is implemented.

[0140] According to the technical solution of the embodiment of the present application, each service identifier is combined based on the contract type identifier and the service priority to generate a combined service identifier; based on each combined service identifier, the information corresponding to the contract identifier is queried. The query mode of the characteristic systems of branches in various regions is integrated through service combination, and queries from different channels such as self-service terminals, online banking and counters are supported, and queries from different institutions are supported. There is no need to rebuild the system according to each business model, avoid repeated system construction, improve user stickiness, and reduce business promotion costs to achieve bank-wide promotion of the business.

[0141] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A business processing method, characterized in that: include: Receive the business processing request and obtain the corresponding contract type identifier, contract identifier and service identifier; the contract type identifier is used to indicate whether to call an internal or external service, the contract identifier is the contract number, and the service identifier is the number of each service corresponding to the contract; Obtaining a user identifier carried in the business processing request, obtaining corresponding historical business processing data based on the user identifier, and generating a corresponding user portrait according to the historical business processing data; Determining the service priority based on the user portrait, combining the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier, including: clustering the service identifiers based on the contract type identifier to obtain clusters; sorting the service identifiers in the clusters based on the service priority, and combining the sorted service identifiers in the clusters in sequence to generate a combined service identifier; Based on each of the combined service identifiers, information corresponding to the contract identifier is queried, and the queried information is output.

2. The method according to claim 1, characterized in that The generating of the combined service identifier comprises: Based on the service priority, service identifiers corresponding to the same contract type identifier are combined to generate a combined service identifier.

3. The method according to claim 1, characterized in that The querying of information corresponding to the contract signing identifier includes: In response to the external service corresponding to the combined service identifier, a predefined unified query interface is called to query the external data corresponding to the contract identifier based on the combined service identifier.

4. The method according to claim 1, characterized in that: The querying of information corresponding to the contract signing identifier includes: In response to the inline service corresponding to the combined service identifier, determining a query type corresponding to the combined service identifier; The corresponding query component is called according to the query type to query the information corresponding to the contract identification.

5. The method according to claim 4, characterized in that The calling of a corresponding query component according to the query type to query information corresponding to the contract signing identifier includes: The services corresponding to the combined service identifier are determined, and then the corresponding query component is called according to the query type to query the information corresponding to the contract identifier and the services.

6. The method according to claim 1, characterized in that The querying of information corresponding to the contract signing identifier based on each of the combined service identifiers includes: The routing rule identifier carried in the business processing request is obtained, and then information corresponding to the contract identifier is queried according to the routing rule identifier and each of the combined service identifiers.

7. The method according to claim 6, characterized in that The querying of information corresponding to the contract signing identifier according to the routing rule identifier and each of the combined service identifiers includes: Determine each service corresponding to each of the combined service identifiers; According to the routing rule identifier, a corresponding query program is called to query the information corresponding to each service and the contract identifier.

8. A service processing device, characterized in that: include: A receiving unit is configured to receive a business processing request and obtain a corresponding contract type identifier, contract identifier and service identifier; wherein the contract type identifier is used to indicate whether to call an internal or external service, the contract identifier is a contract number, and the service identifier is a number of each service corresponding to the contract; A user portrait generating unit is configured to obtain a user identifier carried in the business processing request, obtain corresponding historical business processing data based on the user identifier, and generate a corresponding user portrait according to the historical business processing data; A combined service identifier generating unit is configured to determine the service priority based on the user portrait, and to combine the service identifiers based on the contract type identifier and the service priority to generate a combined service identifier, including: clustering the service identifiers based on the contract type identifier to obtain various clusters; sorting the service identifiers in the various clusters based on the service priority, and combining the sorted service identifiers in the various clusters in sequence to generate a combined service identifier; The information query unit is configured to query the information corresponding to the contract identification based on each of the combined service identifications, and output the queried information.

9. The device according to claim 8, characterized in that The combined service identifier generation unit is further configured to: Based on the service priority, service identifiers corresponding to the same contract type identifier are combined to generate a combined service identifier.

10. The device according to claim 8, characterized in that The information query unit is further configured to: In response to the external service corresponding to the combined service identifier, a predefined unified query interface is called to query the external data corresponding to the contract identifier based on the combined service identifier.

11. The device according to claim 8, characterized in that The information query unit is further configured to: In response to the inline service corresponding to the combined service identifier, determining a query type corresponding to the combined service identifier; The corresponding query component is called according to the query type to query the information corresponding to the contract identification.

12. A business processing electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

13. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

14. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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