A financial product processing method, device, intelligent device and storage medium

Abstract

The embodiments of the present application disclose a method, apparatus, intelligent device, and storage medium for processing financial products. The embodiments of the present application can obtain transaction-related documents corresponding to the financial products to be processed and the document types of the transaction-related documents; determine the matching algorithm corresponding to the transaction-related documents based on the document types; perform keyword matching on the contents of the transaction-related documents by matching keywords in a database based on the matching algorithm to extract reference key information for joint debugging and testing in the transaction-related documents to obtain a reference key information set; optimize the reference key information set to obtain a target key information set; obtain a test plan corresponding to the target key information from a test plan library based on the target key information set to obtain a joint debugging and testing plan; and perform joint debugging and testing on the financial products to be processed based on the joint debugging and testing plan. The present invention solves the problem of low efficiency in processing financial products and improves the efficiency of joint debugging and testing processing of financial products.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically to a financial product processing method, apparatus, intelligent device and storage medium. Background Art

[0002] Before launching, payment functions for financial products like funds, stocks, and trusts require joint debugging by dedicated testers to ensure proper functionality. During these tests, testers must consult with relevant financial product personnel or review multiple documents, including the contract, offering announcement, summary of transaction-related documents, custody agreement, prospectus, and other documents, to understand the product's attributes and determine appropriate testing methods. Manually reviewing transaction-related documents is time-consuming, and documents often contain unnecessary information, resulting in low efficiency in joint debugging for financial products. Summary of the Invention

[0003] The embodiments of the present application provide a financial product processing method, apparatus, intelligent device, and storage medium, which can improve the efficiency of joint debugging and testing of financial products.

[0004] To solve the above technical problems, the embodiments of the present application provide the following technical solutions:

[0005] This embodiment of the present application provides a method for processing financial products, including:

[0006] Obtain at least one transaction-related document corresponding to the financial product to be processed;

[0007] obtaining a document type of the at least one transaction-related document;

[0008] Determining a matching algorithm corresponding to each transaction-related document according to the document type;

[0009] performing keyword matching on the content of each transaction-related document using keywords in a matching database according to the matching algorithm corresponding to each transaction-related document, thereby extracting reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set;

[0010] Optimizing the reference key information set to obtain a target key information set;

[0011] According to the target key information set, a test plan corresponding to the target key information in the target key information set is obtained from a test plan library to obtain a joint debugging test plan;

[0012] Perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

[0013] In one embodiment, the matching database includes a target matching database, and keyword matching is performed on the content of each transaction-related document using keywords in the matching database to extract reference key information for joint debugging and testing processing from each transaction-related document, thereby obtaining a reference key information set including:

[0014] Obtaining the product type of the financial product to be processed;

[0015] Determining a target matching database corresponding to the financial product to be processed from a matching database according to the product type;

[0016] Keyword matching is performed on the content of each transaction-related document using the keywords in the target matching database to extract reference key information for joint debugging and testing processing in each transaction-related document, thereby obtaining a reference key information set.

[0017] In one embodiment, keyword matching is performed on the content of each transaction-related document using keywords in the target matching database to extract reference key information for joint debugging and testing in each transaction-related document, thereby obtaining a reference key information set, including:

[0018] Performing text preprocessing on the content of each transaction-related document to obtain standardized text;

[0019] Keyword matching is performed on the standardized text in each of the transaction-related documents using the keywords in the target matching database to extract reference key information for joint debugging and testing processing in each of the transaction-related documents, thereby obtaining a reference key information set.

[0020] In one embodiment, the matching algorithm includes a keyword fuzzy matching algorithm. The matching algorithm corresponding to each transaction-related document is used to perform keyword matching on the content of each transaction-related document by matching keywords in a database to extract reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set including:

[0021] Dividing the standardized text into segments of a preset character length according to a keyword fuzzy matching algorithm to obtain a plurality of text segments of a preset character length;

[0022] If the text segment contains characters that match keywords in the target matching database, the text segment and the text segments adjacent to the text segment are extracted as reference key information for joint debugging and testing processing to obtain a reference key information set.

[0023] In one embodiment, the optimizing the reference key information set to obtain the target key information set includes:

[0024] Acquire each reference key information in the reference key information set;

[0025] Comparing the reference key information, determining repeated reference key information, and obtaining a repeated reference key information combination;

[0026] The repeated reference key information in each repeated reference key information combination is deleted and only one reference key information is retained as the target key information to obtain a target key information set.

[0027] In one embodiment, the test solution library includes a target test solution library, and obtaining, based on the target key information set, a test solution corresponding to the target key information in the target key information set from the test solution library to obtain a joint debugging test solution includes:

[0028] Determine a corresponding target test solution library according to the product type of the financial product to be processed;

[0029] According to the target key information set, a test plan corresponding to the target key information is obtained from a target test plan library to obtain a joint debugging test plan.

[0030] In one embodiment, after performing the joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan, the method includes:

[0031] Obtain joint debugging test processing results;

[0032] Verifying the joint debugging test processing result to determine the accuracy measurement parameter of the joint debugging test processing result;

[0033] If the accuracy measurement parameter is greater than a preset value, the joint debugging test solution is determined as the target processing solution corresponding to the financial product to be processed.

[0034] According to one aspect of the present application, there is also provided a financial product processing device, comprising:

[0035] A first acquisition module is configured to acquire at least one transaction-related document corresponding to the financial product to be processed;

[0036] A second acquisition module, configured to acquire a document type of the at least one transaction-related document;

[0037] a determination module, configured to determine a matching algorithm corresponding to each transaction-related document according to the document type;

[0038] an extraction module, configured to perform keyword matching on the content of each transaction-related document by using keywords in a matching database according to the matching algorithm corresponding to each transaction-related document, so as to extract reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set;

[0039] an optimization module, configured to optimize the reference key information set to obtain a target key information set;

[0040] A third acquisition module is configured to acquire, from a test solution library, a test solution corresponding to the target key information in the target key information set according to the target key information set, to obtain a joint debugging test solution;

[0041] A processing module is used to perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

[0042] According to one aspect of the present application, an intelligent device is also provided, including a processor and a memory, wherein a computer program is stored in the memory, and when the processor calls the computer program in the memory, it executes any one of the financial product processing methods provided in the embodiments of the present application.

[0043] According to one aspect of the present application, a storage medium is further provided, which is used to store a computer program, and the computer program is loaded by a processor to execute any financial product processing method provided in the embodiments of the present application.

[0044] The embodiment of the present application can obtain at least one transaction-related document corresponding to a pending financial product; obtain the document type of the at least one transaction-related document; determine a matching algorithm corresponding to each transaction-related document based on the document type; perform keyword matching on the content of each transaction-related document by matching keywords in a database based on the matching algorithm corresponding to each transaction-related document, so as to extract reference key information for joint debugging and testing in each transaction-related document, thereby obtaining a reference key information set; optimize the reference key information set to obtain a target key information set; obtain a test scheme corresponding to the target key information in the target key information set from a test scheme library based on the target key information set, thereby obtaining a joint debugging and testing scheme; and perform joint debugging and testing on the pending financial product based on the joint debugging and testing scheme. In this way, the intelligent device can automatically extract the target key information for joint debugging and testing from the transaction-related document corresponding to the pending product, and automatically list the target key information set, so as to quickly match the corresponding test scheme based on the target key information set and perform joint debugging and testing, thereby reducing the problem of low efficiency in financial product processing caused by the long time spent on manually sorting the key information of the transaction-related documents, thereby improving the efficiency of joint debugging and testing processing of financial products. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

[0046] Figure 1 This is a flowchart of a financial product processing method provided in an embodiment of the present application;

[0047] Figure 2 This is a schematic diagram of transaction-related documents corresponding to the financial product to be processed provided in an embodiment of the present application;

[0048] Figure 3 is a schematic diagram of a financial product processing device provided in an embodiment of the present application;

[0049] Figure 4 It is a schematic diagram of the structure of the smart device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0050] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without making creative efforts are within the scope of protection of this application.

[0051] The embodiments of the present application provide a financial product processing method, apparatus, intelligent device and storage medium (i.e., computer-readable storage medium). The financial product processing method can be applied to a financial product processing apparatus, which can be specifically integrated into an intelligent device, such as a mobile phone, a computer, a home appliance or a wearable device. The intelligent device can be connected to a server or a terminal for communication, so as to perform joint debugging and testing on the financial products to be processed through the server or the terminal. The server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms, but is not limited thereto. The terminal can be a mobile phone, a computer, a home appliance or a wearable device.

[0052] It should be noted that the order of description of the following embodiments is not intended to limit the preferred order of the embodiments.

[0053] In this embodiment, the description will be made from the perspective of smart devices. Figure 1 , Figure 1 This is a flow chart of a financial product processing method provided in one embodiment of the present application. The financial product processing method may include:

[0054] S101. Obtain at least one transaction-related document corresponding to a financial product to be processed.

[0055] The financial products to be processed may include currency, gold, foreign exchange, securities, bonds, trusts, funds, and stocks. The transaction-related documents corresponding to the financial products to be processed may include the financial product contract, offering announcement, information summary, custody agreement, and prospectus. The execution entity of the financial product processing method may be a smart device. The at least one relevant document corresponding to the financial product to be processed may be manually uploaded by a user or sent to the smart device by another terminal connected to the smart device. The transaction-related document and the financial product to be processed may be associated through identification information. This identification information may include the name, etc. If the identification information of the transaction-related document matches the identification information of the financial product to be processed, the transaction-related document is the document corresponding to the financial product to be processed. For example, if the name of the financial product to be processed is "xx Fund," then the name of the transaction-related document corresponding to the financial product to be processed may include "xx Fund," such as "xx Fund Contract" or "xx Fund Release Announcement."

[0056] It should be noted that before a financial product is officially launched and allowed to be traded, it is necessary to conduct a multi-party simulated transaction test locally, that is, a joint debugging test, to avoid the problem of transaction errors after the financial product is launched. However, in the existing technology, when conducting joint debugging tests on financial products, testers need to consult relevant personnel of the financial product or read the transaction-related documents of the financial product to sort out and understand the relevant attributes of the financial product, so as to select a suitable test plan for joint debugging tests. This manual sorting is time-consuming and may omit special key information when processing similar financial products, resulting in low processing efficiency of financial products. In this embodiment, at least one transaction-related document corresponding to the financial product to be processed can be obtained through a smart device, and the transaction-related documents of the financial product to be processed can be analyzed and processed to extract target key information and obtain corresponding test plans to quickly perform joint debugging tests, thereby improving the efficiency of joint debugging tests for the financial products to be processed.

[0057] For example, when receiving a processing request for a pending financial product, the smart device can obtain identification information of the pending financial product and obtain at least one transaction-related document corresponding to the pending financial product from the local smart device based on the identification information of the pending financial product.

[0058] S102: Obtain a document type of at least one transaction-related document.

[0059] It is understandable that when analyzing and extracting key information from transaction-related documents, since this embodiment extracts key information from transaction-related documents for joint debugging testing through keyword matching in a matching database, the content of the transaction-related documents may not correspond one-to-one to the keywords in the matching database. In this case, if an exact keyword matching algorithm is performed on each transaction-related document, some transaction-related document information may be missed. Alternatively, if a fuzzy keyword matching algorithm is performed on each transaction-related document, an excessive amount of key information may be extracted, making it impossible to accurately determine the test plan. Therefore, in this embodiment, at least one transaction-related document can be classified by document type, so that a corresponding matching algorithm can be determined based on the document type to extract key information from the transaction-related document.

[0060] Document types can be categorized by importance or by whether they have legal functions. Alternatively, categorization by importance can yield important and non-important document types. Categorization by whether they have legal validity can categorize documents into legal documents, information documents, and so on. Different document types can be identified using the identification information of transaction-related documents.

[0061] For example, identification information of at least one transaction-related document is obtained, and the document type of the transaction-related document is determined based on the identification information. For example, if the identification information of the transaction-related document includes content such as "contract" or "agreement," the document type of the transaction-related document is determined to be a legal document type. If the identification information of the transaction-related document includes content such as "instructions" or "materials," the document type of the transaction-related document is determined to be an information document type.

[0062] S103: Determine a matching algorithm corresponding to each transaction-related document according to the document type.

[0063] Matching algorithms can include exact keyword matching and fuzzy keyword matching. The exact keyword matching algorithm extracts the matching content as key information for joint debugging testing when the content in a transaction-related document is identical to a keyword in the matching database. The fuzzy keyword matching algorithm extracts the matching content and any adjacent content as key information for joint debugging testing when the content in a transaction-related document partially overlaps with a keyword in the matching database. Different matching algorithms may be used for different document types.

[0064] For example, if the document type is a legal document type, the matching algorithm for transaction-related documents of the legal document type is determined to be a keyword fuzzy matching algorithm. If the document type is an information description document type, the matching algorithm for transaction-related documents of the legal document type is determined to be a keyword exact matching algorithm. In this way, matching transaction-related documents of the legal document type that require special attention using the keyword fuzzy matching algorithm can more comprehensively extract key information from transaction-related documents of the legal document type, thereby not missing key information. Meanwhile, matching transaction-related documents of the information description document type that do not require special attention using the keyword exact matching algorithm can more accurately extract key information from transaction-related documents of the information description document type, thereby reducing unnecessary information extraction and improving the efficiency of key information extraction from transaction-related documents.

[0065] S104. Based on the matching algorithm corresponding to each transaction-related document, keyword matching is performed on the content of each transaction-related document by matching keywords in the database to extract reference key information for joint debugging and testing processing from each transaction-related document to obtain a reference key information set.

[0066] The matching database is used for joint debugging and testing. It pre-stores multiple keywords, which are used to extract key reference information from transaction-related documents for joint debugging and testing. This key reference information can include information such as key product functions and elements. This key reference information can be used to determine the attributes of the financial product to be processed, thereby determining the corresponding joint debugging and testing plan. The joint debugging and testing plan refers to a plan for simulating transactions related to the financial product to be processed. The reference key information set can include multiple key reference information extracted from at least one transaction-related document.

[0067] In this embodiment, the keywords and the reference key information may be identical or partially identical. For example, if the keywords in the matching database include "income distribution principle" and "cash dividends," the key information that can be extracted from the fund contract based on these keywords may be "The default income distribution method of this fund is cash dividends" or "'income distribution principle', 'cash dividends'."

[0068] For example, if the matching algorithm corresponding to the transaction-related document is a keyword exact matching algorithm, then the smart device can perform keyword exact matching algorithm processing on the keywords in the matching database and the content in the transaction-related document based on the keyword exact matching algorithm; for example, if the content in the transaction-related document is exactly the same as the keyword, then the identical content is extracted as reference key information for joint debugging and testing, and a reference key information set can be generated based on the reference key information. If the matching algorithm corresponding to the transaction-related document is a keyword fuzzy matching algorithm, then the smart device can perform keyword fuzzy matching algorithm processing on the keywords in the matching database and the content in the transaction-related document based on the keyword fuzzy matching algorithm; for example, the content in the transaction-related document is divided into multiple text segments, and if there are characters in the text segment that partially match the keyword, then the text segment and the text segments adjacent to the text segment are used as reference key information for joint debugging and testing, and a reference key information set can be generated based on the reference key information.

[0069] In actual application scenarios, refer to Figure 2 , Figure 2 This is a diagram of transaction-related documents corresponding to the financial products to be processed provided in the embodiment of this application. Figure 2 (a) in the above is the fund contract. Figure 2 (b) is a summary of the information. Figure 2 (c) in the above is the prospectus. Figure 2 As shown in (a) in the above, if the transaction-related text is a fund contract, then the key information in the fund contract used for joint debugging and testing can include the profit distribution principle, etc. Figure 2 As shown in (b) in the figure, if the transaction-related text is a data summary, then the key information in the data summary used for joint debugging and testing may include the fund's abbreviation, code, category, type, manager, custodian, and operation mode. The category can be used to determine whether the product is a downgrade fund, and the operation mode and development frequency can be used to determine whether the product is a daily open product. Figure 2 As shown in (c) above, if the transaction-related text is a fund prospectus, then the key information in the fund prospectus used for joint debugging and testing may include the triggering conditions for large-scale redemptions, the confirmation time for subscription and redemption applications, and the transaction fee rate, etc.

[0070] Optionally, in one embodiment, the matching database includes a target matching database, and keyword matching is performed on the content of each transaction-related document using keywords in the matching database to extract reference key information for joint debugging and testing in each transaction-related document. The obtained reference key information set may include:

[0071] S11. Obtain the product type of the financial product to be processed;

[0072] S12. Determine, from the matching database, a target matching database corresponding to the financial product to be processed based on the product type;

[0073] S13. Perform keyword matching on the content of each transaction-related document using keywords in the target matching database to extract reference key information for joint debugging and testing in each transaction-related document, thereby obtaining a reference key information set.

[0074] The product types of the financial products to be processed can be categorized based on their profitability and risk, or by ownership attributes. For example, financial products can be categorized into money market, fixed income, ownership, and alternative investments based on profitability and risk, or into equity and bond products based on ownership attributes. Other categorizations are also possible and are not specifically limited here. The target matching database is a database used for keyword matching in joint debugging tests targeting the product types of the financial products to be processed.

[0075] It should be noted that if only one matching database were used to extract key information through keyword matching for all pending financial products, the number of keywords in the matching database would be enormous, resulting in an inefficient keyword matching process. Therefore, in this embodiment, the matching database can be divided into multiple databases. In other words, different matching databases correspond to pending financial products of different product types. In this way, the corresponding target matching database can be determined based on the product type of the pending financial product. The keywords in the target matching database are used to perform keyword matching on the content of each transaction-related document to extract reference key information from each transaction-related document for joint debugging and testing, thereby obtaining a reference key information set. This can improve the efficiency of extracting key information from transaction-related documents corresponding to the pending financial products, thereby improving the efficiency of joint debugging and testing for financial products.

[0076] Optionally, in one embodiment, keyword matching is performed on the content of each transaction-related document using keywords in the target matching database to extract reference key information for joint debugging and testing in each transaction-related document. The obtained reference key information set may include:

[0077] S21. Perform text preprocessing on the content of each transaction-related document to obtain standardized text.

[0078] Preprocessing can include text acquisition, text segmentation, and text cleaning. Text acquisition involves directly extracting text content from transaction-related documents. Text segmentation involves grammatically segmenting text content, such as using a pre-set word segmentation lexicon. Text cleaning can include punctuation removal, lowercase conversion, number normalization, and removal of unnecessary tags.

[0079] For example, operations such as text acquisition, text segmentation, and text cleaning are performed on the content of each transaction-related document to obtain standardized text.

[0080] S22. Keyword matching is performed on the standardized text in each transaction-related document using the keywords in the target matching database to extract reference key information for joint debugging and testing in each transaction-related document, thereby obtaining a reference key information set.

[0081] The target matching database refers to a database used for keyword matching in joint debugging tests targeting the product types of the financial products to be processed.

[0082] For example, keywords in the target matching database are matched one-to-one with standardized texts in each transaction-related document to extract reference key information for joint debugging and testing processing in each transaction-related document to obtain a reference key information set.

[0083] Optionally, in one embodiment, the matching algorithm includes a keyword fuzzy matching algorithm. Based on the matching algorithm corresponding to each transaction-related document, keyword matching is performed on the content of each transaction-related document by matching keywords in the database to extract reference key information for joint debugging and testing from each transaction-related document. The obtained reference key information set may include:

[0084] S31. Divide the standardized text according to the preset character lengths based on a keyword fuzzy matching algorithm to obtain a plurality of text segments of the preset character lengths.

[0085] The preset character length can be fixed in advance or determined based on a matching algorithm. For example, if the matching algorithm is an exact keyword matching algorithm, the preset character length can be shorter; if the matching algorithm is a fuzzy keyword matching algorithm, the preset character length can be longer. This allows for flexible segmentation of the standardized text and more accurate extraction of key reference information from the standardized text for joint debugging and testing.

[0086] For example, if the standardized text includes "This fund's income distribution methods include two types: cash dividends and dividend reinvestment. Investors can choose cash dividends or have cash dividends automatically converted into corresponding fund units for reinvestment; if investors do not choose, the default income distribution method of this fund is cash dividends." The preset character length can be 10 characters, which can be divided into multiple text segments: "This fund's income distribution methods include two types: cash dividends and dividend reinvestment. Investors can choose cash dividends or have cash dividends automatically converted into corresponding fund units for reinvestment; if investors do not choose, the default income distribution method of this fund is cash dividends."

[0087] S32. If there are characters in the text segment that match the keywords in the target matching database, the text segment and the text segments adjacent to the text segment are extracted as reference key information for joint debugging and testing, to obtain a reference key information set.

[0088] In this embodiment, in order to avoid omission of reference key information, a keyword fuzzy matching algorithm is used in keyword matching. In this way, when there is a text segment matching the keyword in the transaction-related document, the text segment and the text segments adjacent to the text segment can be extracted as reference key information, thereby improving the comprehensiveness of the reference key information.

[0089] For example, if the keywords include "income," "distribution," "principle," "cash," and "dividends," then the reference key information that can be extracted from the text paragraph "This fund's income distribution methods include two types: cash dividends and dividend reinvestment. Investors can choose cash dividends or automatically transfer cash dividends to corresponding types of funds for reinvestment; if investors do not select, the default income distribution method of this fund is cash dividends." includes: "This fund's income distribution methods include two types: cash dividends and dividend reinvestment. Investors can choose cash dividends or automatically transfer cash dividends to corresponding types of funds" and "If investors do not select, the default income distribution method of this fund is cash dividends."

[0090] S105: Optimize the reference key information set to obtain a target key information set.

[0091] Optimization processing may include deduplication and validity verification. The target key information set includes at least one target key information, which is obtained by optimizing the reference key information. This target key information set may include the product parameter table, product features, and key points of attention of the financial product to be processed.

[0092] It is understandable that the amount of reference key information extracted from multiple transaction-related documents is huge, and there may be some duplicate reference key information or invalid information. Therefore, it is necessary to optimize the reference key information set to reduce redundant information and obtain accurate target key information, thereby improving the efficiency of joint debugging and testing of financial products.

[0093] Optionally, in one embodiment, the optimization process may include deduplication processing, and performing optimization processing on the reference key information set to obtain the target key information set may include:

[0094] S41, obtaining each reference key information in the reference key information set;

[0095] S42. Compare each reference key information, determine duplicate reference key information, and obtain a duplicate reference key information combination;

[0096] S43: De-duplication processing is performed on each repeated reference key information in each repeated reference key information combination to retain one reference key information as target key information, thereby obtaining a target key information set.

[0097] In this embodiment, each reference key information in the reference key information set can be compared to determine the duplicate reference key information, and the duplicate reference key information can be deduplicated, that is, the duplicate reference key information is deleted, and only one reference key information is retained as the target key information in the duplicate reference key information combination.

[0098] For example, if the reference key information set includes "the fund's income distribution method", "cash dividends and dividend reinvestment", "the fund's income distribution method" and "the default income distribution method", the repeated "the fund's income distribution method" will be deleted and only one will be retained to obtain the target key information: "the fund's income distribution method", "cash dividends and dividend reinvestment" and "the default income distribution method".

[0099] Optionally, in one embodiment, the optimization process may further include validity verification. After obtaining each reference key information in the reference key information set, it may include: validating each reference key information to delete invalid characters in the reference key information to obtain the target key information.

[0100] For example, validity verification can be a splicing process of the characters that are the same as the keywords in the reference key information. For example, if the keywords include "income", "distribution", "principle", "cash" and "dividends", etc., and the reference key information includes: "If the investor does not select, the default income distribution method of this fund is cash / dividends." Then, the validity of each reference key information is verified, and the invalid characters "If the investor does not select, the default income distribution method of this fund is cash / dividends" and "The method is." in the reference key information are deleted to obtain the valid information: "income distribution" and "cash dividends". Then, the valid information is spliced ​​to obtain the target key information: "income distribution method, cash dividends".

[0101] S106 . According to the target key information set, a test plan corresponding to the target key information in the target key information set is obtained from a test plan library to obtain a joint debugging test plan.

[0102] Among them, the test plan library refers to a simulated transaction plan used for joint debugging and testing of financial products. The test plan library can be pre-stored locally on the smart device. Each test plan in the test plan library can be associated with a keyword in the matching library. For example, one keyword can correspond to one test plan, or one keyword can correspond to multiple test plans, or multiple keywords can correspond to one test plan, or multiple keywords can correspond to multiple test plans. There can be multiple test plans corresponding to one or more target key information. In this way, after extracting the target key information from the content of the transaction-related text by matching the keywords in the database, multiple test plans corresponding to the target key information in the target key information set can be obtained from the test plan library through the target key information, and a joint debugging test plan can be generated based on the multiple test plans.

[0103] For example, after the smart device extracts key information from transaction-related documents of the financial product to be processed and obtains the target key information, it can obtain the test plan corresponding to the target key information in the target key information set from the test plan library based on the target key information set to obtain the joint debugging test plan.

[0104] Optionally, in one embodiment, the test plan library includes a target test plan library, and according to the target key information set, a test plan corresponding to the target key information in the target key information set is obtained from the test plan library to obtain a joint debugging test plan, which may include: determining the corresponding target test plan library according to the product type of the financial product to be processed; according to the target key information set, obtaining a test plan corresponding to the target key information from the target test plan library to obtain a joint debugging test plan.

[0105] Among them, the product types of the financial products to be processed can be divided according to the profitability and risk of the financial products, or the attributes of ownership. For example, according to the profitability and risk of financial products, financial products can be divided into money market, fixed income, ownership, and alternative investments, etc., or according to the attributes of ownership of financial products, financial products can be divided into property rights products and bond products. Of course, they can also be divided according to other classification methods, which are not specifically limited here. The target test plan library refers to a database used to match test plans for joint debugging tests on the product types of the financial products to be processed. The number of such target test plan libraries can be at least one.

[0106] In this embodiment, the test solution library can be divided into multiple types. That is, different test solution libraries correspond to different types of financial products to be processed. In this way, the corresponding target test solution library can be determined based on the product type of the financial product to be processed. The target key information is used to match the test solution in the target test solution library to obtain the test solution corresponding to the target key information, thereby obtaining a joint debugging test solution. This improves the efficiency of the joint debugging test processing of financial products.

[0107] Furthermore, in another embodiment, according to the target key information set, obtaining a test plan corresponding to the target key information in the target key information set from a test plan library to obtain a joint debugging test plan may also include:

[0108] Obtain preset transaction-related rules, and obtain a test plan corresponding to the target key information in the target key information set from the test plan library based on the target key information set and the transaction-related rules to obtain a joint debugging test plan.

[0109] The transaction-related rules may include at least one of the interface communication protocols of each test module used in the joint debugging test and the platform transaction rules of each test platform used in the joint debugging test. The transaction-related rules may be related to the platform for testing the financial product to be processed and the hardware information for the joint debugging test.

[0110] It should be noted that since the test plans corresponding to different transaction-related rules may be different, in this embodiment, based on the target key information set and transaction-related rules, the test plan corresponding to the target key information in the target key information set can be obtained from the test plan library to obtain the joint debugging test plan.

[0111] S107: Perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

[0112] The joint debugging and testing process may refer to performing relevant simulated transactions on the financial products to be processed.

[0113] Based on the above embodiments, in one embodiment, after performing joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan, it can include: obtaining the joint debugging and testing processing results; verifying the joint debugging and testing processing results to determine the accuracy measurement parameter of the joint debugging and testing processing results; if the accuracy measurement parameter is greater than a preset value, then determining the joint debugging and testing plan as the target processing plan corresponding to the financial product to be processed.

[0114] The joint debugging test result may refer to a simulated transaction result of the financial product to be processed. The preset value may be pre-set, such as 99.99% or 100%.

[0115] If a transaction fails, the joint debugging test results will include an error flag. If the transaction results are erroneous, manual verification can be performed to determine the accuracy of the joint debugging test results. If the accuracy parameter exceeds a preset value, the joint debugging test solution is highly reliable and can be directly selected as the target solution for the financial product being processed, allowing for subsequent processing.

[0116] In the technical solution provided by this embodiment, the smart device can obtain at least one transaction-related document corresponding to a pending financial product; obtain the document type of the at least one transaction-related document; determine a matching algorithm corresponding to each transaction-related document based on the document type; perform keyword matching on the content of each transaction-related document using keywords in a matching database based on the matching algorithm corresponding to each transaction-related document to extract reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set; optimize the reference key information set to obtain a target key information set; obtain a test plan corresponding to the target key information in the target key information set from a test plan library based on the target key information set to obtain a joint debugging and testing plan; and perform joint debugging and testing on the pending financial product based on the joint debugging and testing plan. In this way, the smart device can automatically extract the target key information for joint debugging and testing from the transaction-related document corresponding to the pending product, and automatically list the target key information set, thereby quickly matching the corresponding test plan based on the target key information set to perform joint debugging and testing. This reduces the problem of low efficiency in financial product processing caused by the time-consuming manual sorting of key information in the transaction-related documents, thereby improving the efficiency of joint debugging and testing of financial products.

[0117] To facilitate better implementation of the financial product processing method provided in the embodiments of this application, the embodiments of this application also provide a device based on the above-mentioned financial product processing method. The meanings of the terms herein are the same as those in the above-mentioned financial product processing method, and the specific implementation details can be referred to the description in the method embodiment.

[0118] See also Figure 3 , Figure 3 This is a structural diagram of a financial product processing device provided in an embodiment of the present application, wherein the financial product processing device 300 may include a first acquisition module 301, a second acquisition module 302, a determination module 303, an extraction module 304, an optimization module 305, a third acquisition module 306 and a processing module 307, etc.

[0119] The first acquisition module 301 is configured to acquire at least one transaction-related document corresponding to the financial product to be processed;

[0120] A second acquisition module 302 is configured to acquire a document type of at least one transaction-related document;

[0121] Determination module 303, for determining a matching algorithm corresponding to each transaction-related document according to the document type;

[0122] Extraction module 304 is configured to perform keyword matching on the content of each transaction-related document using keywords in the matching database according to the matching algorithm corresponding to each transaction-related document, thereby extracting reference key information from each transaction-related document for joint debugging and testing, thereby obtaining a reference key information set.

[0123] An optimization module 305 is configured to optimize the reference key information set to obtain a target key information set;

[0124] The third acquisition module 306 is configured to acquire, from the test solution library, a test solution corresponding to the target key information in the target key information set, and obtain a joint debugging test solution.

[0125] The processing module 307 is used to perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

[0126] Optionally, the financial product processing device may further include:

[0127] A fourth acquisition module is used to obtain the product type of the financial product to be processed;

[0128] A first determination module is configured to determine a target matching database corresponding to the financial product to be processed from the matching database according to the product type;

[0129] The first extraction module is used to perform keyword matching on the content of each transaction-related document through keywords in the target matching database to extract reference key information for joint debugging and testing processing in each transaction-related document to obtain a reference key information set.

[0130] A preprocessing module is used to perform text preprocessing on the content of each transaction-related document to obtain standardized text;

[0131] The second extraction module is used to perform keyword matching on the standardized text in each transaction-related document through the keywords in the target matching database to extract reference key information for joint debugging and testing processing in each transaction-related document to obtain a reference key information set.

[0132] A segmentation module is used to segment the standardized text according to a preset character length based on a keyword fuzzy matching algorithm to obtain a plurality of text segments of the preset character length;

[0133] The third extraction module is used to extract the text segment and the text segments before and after the text segment as reference key information for joint debugging test processing if there are characters in the text segment that match the keywords in the target matching database, and obtain a reference key information set.

[0134] A fifth acquisition module, configured to acquire each reference key information in the reference key information set;

[0135] The second determining module is used to compare the reference key information, determine the repeated reference key information, and obtain the repeated reference key information combination;

[0136] The deletion module is used to delete each repeated reference key information in each repeated reference key information combination and retain only one reference key information as the target key information to obtain a target key information set.

[0137] A third determination module is used to determine a corresponding target test solution library according to the product type of the financial product to be processed;

[0138] The sixth acquisition module is used to acquire a test plan corresponding to the target key information from the target test plan library according to the target key information set, and obtain a joint debugging test plan.

[0139] The seventh acquisition module is used to obtain the joint debugging test processing results;

[0140] A verification module is used to verify the joint debugging test processing results to determine the accuracy measurement parameters of the joint debugging test processing results;

[0141] The fourth determination module is configured to determine the joint debugging test solution as a target processing solution corresponding to the financial product to be processed if the accuracy measurement parameter is greater than a preset value.

[0142] In the financial product processing device provided in this embodiment, the first acquisition module 301 is used to obtain at least one transaction-related document corresponding to the financial product to be processed; the second acquisition module 302 is used to obtain the document type of at least one transaction-related document; the determination module 303 is used to determine the matching algorithm corresponding to each transaction-related document according to the document type; the extraction module 304 is used to perform keyword matching on the content of each transaction-related document by matching keywords in the database according to the matching algorithm corresponding to each transaction-related document, so as to extract reference key information for joint debugging and testing processing in each transaction-related document and obtain a reference key information set; the optimization module 305 is used to optimize the reference key information set to obtain a target key information set; the third acquisition module 306 is used to obtain a test plan corresponding to the target key information in the target key information set from the test plan library according to the target key information set to obtain a joint debugging and testing plan; the processing module 307 is used to perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan. In this way, the financial product processing device can automatically extract the target key information used for joint debugging and testing from the transaction-related documents corresponding to the product to be processed, and automatically list the target key information set, so that it can quickly match the corresponding test plan based on the target key information set to perform joint debugging and testing. This reduces the problem of low efficiency in financial product processing caused by the long time spent on manually sorting out the key information in transaction-related documents, and improves the efficiency of joint debugging and testing processing of financial products.

[0143] The present application also provides a smart device, which can be a mobile phone, computer, home appliance or wearable device, etc. Figure 4 , which shows a schematic diagram of the structure of the smart device involved in the embodiment of the present application, specifically:

[0144] The smart device may include one or more processing core processors 401, one or more computer-readable storage media memories 402, a power supply 403, an input unit 404 and other components. Those skilled in the art will understand that Figure 4 The structure of the smart device shown in the figure does not constitute a limitation on the smart device, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0145] Processor 401 is the control center of the smart device, connecting the various components of the entire smart device using various interfaces and circuits. By running or executing software programs and / or modules stored in memory 402 and accessing data stored in memory 402, it performs various functions of the smart device and processes data, thereby providing overall monitoring of the smart device. Optionally, processor 401 may include one or more processing cores; preferably, processor 401 may integrate an application processor and a modem processor, wherein the application processor primarily handles the operating system, user interface, and application programs, while the modem processor primarily handles wireless communications. It is understood that the modem processor may not be integrated into processor 401.

[0146] The memory 402 can be used to store software programs and modules. The processor 401 executes various functional applications and data processing by running the software programs and modules stored in the memory 402. The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function (such as a sound playback function, an image playback function, etc.), etc.; the data storage area may store data created according to the use of the smart device, etc. In addition, the memory 402 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other volatile solid-state storage device. Accordingly, the memory 402 may also include a memory controller to provide the processor 401 with access to the memory 402.

[0147] The smart device also includes a power supply 403 for supplying power to various components. Preferably, the power supply 403 can be logically connected to the processor 401 via a power management system, thereby enabling the power management system to manage charging, discharging, and power consumption. The power supply 403 can also include one or more DC or AC power supplies, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and other arbitrary components.

[0148] The smart device may further include an input unit 404, which may be configured to receive input digital or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

[0149] Although not shown, the smart device may further include a display unit, etc., which will not be described in detail here. Specifically, in this embodiment, the processor 401 in the smart device will load the executable files corresponding to one or more application processes into the memory 402 according to the following instructions, and the processor 401 will run the application stored in the memory 402 to implement various functions as follows:

[0150] In the above embodiments, the description of each embodiment has its own focus. For the part that is not described in detail in a certain embodiment, please refer to the detailed description of the financial product processing method above, which will not be repeated here.

[0151] According to one aspect of the present application, a computer program product or computer program is provided, comprising computer instructions stored in a computer-readable storage medium. A processor of an intelligent device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the intelligent device to perform the methods provided in various optional implementations of the above embodiments.

[0152] Those skilled in the art will appreciate that all or part of the steps in the various methods of the above embodiments can be accomplished by computer instructions, or by controlling related hardware through computer instructions. The computer instructions can be stored in a storage medium and loaded and executed by a processor. The storage medium is a computer-readable storage medium. To this end, the present application provides a storage medium having a computer program stored therein. The computer program can include computer instructions. The computer program can be loaded by a processor to execute any of the financial product processing methods provided in the present application.

[0153] The specific implementation of the above operations can be found in the previous embodiments and will not be repeated here.

[0154] The storage medium may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0155] Since the computer instructions stored in the storage medium can execute any of the financial product processing methods provided in the embodiments of the present application, the beneficial effects that can be achieved by any of the financial product processing methods provided in the embodiments of the present application can be achieved. Please refer to the previous embodiments for details and will not be repeated here.

[0156] The above is a detailed introduction to a financial product processing method, apparatus, intelligent device and storage medium provided in the embodiments of the present application. Specific examples are used herein to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for those skilled in the art, based on the ideas of the present application, there may be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A financial product processing method, characterized in that: The method comprises: Obtain at least one transaction-related document corresponding to the financial product to be processed; obtaining a document type of the at least one transaction-related document; Determining a matching algorithm corresponding to each transaction-related document according to the document type; Performing keyword matching on the content of each transaction-related document using keywords in a matching database according to the matching algorithm corresponding to each transaction-related document, thereby extracting reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set, wherein the reference key information is used to determine the attributes of the financial product to be processed, so as to determine the corresponding joint debugging and testing plan; Optimizing the reference key information set to obtain a target key information set; Obtaining preset transaction-related rules, and obtaining, from a test plan library, a test plan corresponding to the target key information in the target key information set based on the target key information set and the transaction-related rules, to obtain a joint debugging test plan, wherein the transaction-related rules include at least one of an interface communication protocol for each test module used in the joint debugging test and a platform transaction rule for each test platform used in the joint debugging test; Perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

2. The financial product processing method according to claim 1, characterized in that: The matching database includes a target matching database. The matching algorithm corresponding to each transaction-related document is used to perform keyword matching on the content of each transaction-related document using keywords in the matching database to extract reference key information for joint debugging and testing processing from each transaction-related document, thereby obtaining a reference key information set including: Obtaining the product type of the financial product to be processed; Determining a target matching database corresponding to the financial product to be processed from a matching database according to the product type; According to the matching algorithm corresponding to each transaction-related document, keyword matching is performed on the content of each transaction-related document through the keywords in the target matching database to extract reference key information for joint debugging and testing processing in each transaction-related document to obtain a reference key information set.

3. The financial product processing method according to claim 2, characterized in that: The keyword matching is performed on the content of each transaction-related document using the keywords in the target matching database to extract reference key information for joint debugging and testing processing from each transaction-related document, thereby obtaining a reference key information set, including: Performing text preprocessing on the content of each transaction-related document to obtain standardized text; Keyword matching is performed on the standardized text in each of the transaction-related documents using the keywords in the target matching database to extract reference key information for joint debugging and testing processing in each of the transaction-related documents, thereby obtaining a reference key information set.

4. The financial product processing method according to claim 3, characterized in that: The matching algorithm includes a keyword fuzzy matching algorithm. The matching algorithm corresponding to each transaction-related document is used to perform keyword matching on the content of each transaction-related document by matching keywords in the database to extract reference key information for joint debugging and testing from each transaction-related document, thereby obtaining a reference key information set including: Dividing the standardized text into segments of a preset character length according to a keyword fuzzy matching algorithm to obtain a plurality of text segments of a preset character length; If the text segment contains characters that match keywords in the target matching database, the text segment and the text segments adjacent to the text segment are extracted as reference key information for joint debugging and testing processing to obtain a reference key information set.

5. The financial product processing method according to claim 1, characterized in that: The optimization process includes deduplication processing, and the optimization process is performed on the reference key information set to obtain a target key information set, including: Acquire each reference key information in the reference key information set; Comparing the reference key information, determining repeated reference key information, and obtaining a repeated reference key information combination; The repeated reference key information in each repeated reference key information combination is deduplicated to retain one reference key information as the target key information, thereby obtaining a target key information set.

6. The financial product processing method according to claim 1, characterized in that: The test solution library includes a target test solution library, and the method further includes: Determine a corresponding target test solution library according to the product type of the financial product to be processed; According to the target key information set, a test plan corresponding to the target key information is obtained from a target test plan library to obtain a joint debugging test plan.

7. The financial product processing method according to any one of claims 1 to 5, characterized in that: After the joint debugging and testing process is performed on the financial product to be processed according to the joint debugging and testing plan, the method includes: Obtain joint debugging test processing results; Verifying the joint debugging test processing result to determine the accuracy measurement parameter of the joint debugging test processing result; If the accuracy measurement parameter is greater than a preset value, the joint debugging test solution is determined as the target processing solution corresponding to the financial product to be processed.

8. A financial product processing device, characterized in that: include: A first acquisition module is configured to acquire at least one transaction-related document corresponding to the financial product to be processed; A second acquisition module, configured to acquire a document type of the at least one transaction-related document; a determination module, configured to determine a matching algorithm corresponding to each transaction-related document according to the document type; an extraction module configured to perform keyword matching on the content of each transaction-related document using keywords in a matching database according to the matching algorithm corresponding to each transaction-related document, thereby extracting reference key information from each transaction-related document for joint debugging and testing, thereby obtaining a reference key information set, wherein the reference key information is used to determine the attributes of the financial product to be processed, thereby determining a corresponding joint debugging and testing plan; an optimization module, configured to optimize the reference key information set to obtain a target key information set; A third acquisition module is configured to acquire preset transaction-related rules and, based on the target key information set and the transaction-related rules, acquire a test plan corresponding to the target key information in the target key information set from a test plan library to obtain a joint debugging test plan, wherein the transaction-related rules include at least one of an interface communication protocol for each test module used in the joint debugging test and a platform transaction rule for each test platform used in the joint debugging test; A processing module is used to perform joint debugging and testing on the financial product to be processed according to the joint debugging and testing plan.

9. A smart device, characterized in that: The method comprises a processor and a memory, wherein a computer program is stored in the memory, and when the processor calls the computer program in the memory, the method for processing financial products according to any one of claims 1 to 7 is executed.

10. A storage medium, characterized in that: The storage medium is used to store a computer program, and the computer program is loaded by a processor to execute the financial product processing method according to any one of claims 1 to 7.

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