Business processing method, apparatus, and electronic device
By automating the interaction between the client and the banking system, error business requests are generated and processed, solving the problem of low efficiency in error business processing in existing technologies and achieving more efficient intelligent and automated processing.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- CHINA CONSTRUCTION BANK
- Filing Date
- 2022-10-08
- Publication Date
- 2026-06-12
AI Technical Summary
Existing technologies have low efficiency in error processing, resulting in a large workload, long processing time, and reliance on manual operation.
The system generates and sends query requests to the bank system through the client, receives and displays historical transaction data and error handling guidance information, generates error handling requests based on user operations, and processes them automatically with the bank system.
It has improved the intelligence and automation of error processing, saved manpower and resources, and increased processing efficiency.
Smart Images
Figure CN115544098B_ABST
Abstract
Description
Technical Field
[0001] This disclosure relates to the field of big data data analysis technology, and in particular to a business processing method, apparatus, electronic device, computer-readable storage medium, and computer program product. Background Technology
[0002] In related technologies, if users have doubts about certain transaction data, they often need to contact the relevant departments of the bank by phone. Bank employees need to manually enter the transaction information provided by the user into the bank system and process the errors based on the entered transaction information. There are many repetitive operations, resulting in a large workload for error processing. The entire process is time-consuming and has low efficiency. Summary of the Invention
[0003] This disclosure provides a business processing method, apparatus, electronic device, computer-readable storage medium, and computer program product to at least solve the problem of low efficiency in error-prone business processing in related technologies. The technical solution of this disclosure is as follows:
[0004] According to a first aspect of the present disclosure, a business processing method is provided, applicable to a client, comprising: responding to a user's query operation on historical transaction data logged into the client, generating a first query request for the user's historical transaction data, and sending the first query request to a banking system, wherein the first query request is used to obtain the historical transaction data from a card organization system; receiving the historical transaction data sent by the banking system, and controlling the display of the historical transaction data and error service guidance information of the historical transaction data; generating a first error service request for the target transaction data based on first operation information of the user on target transaction data in the historical transaction data, and second operation information on the error service guidance information of the target transaction data; and sending the first error service request to the banking system.
[0005] In one embodiment of this disclosure, generating a first error service request for the target transaction data based on the user's first operation information for the target transaction data in the historical transaction data and the second operation information for error service guidance information for the target transaction data includes: generating error service information based on the first operation information and the second operation information; and generating the first error service request based on the error service information.
[0006] In one embodiment of this disclosure, the method further includes: generating an error cancellation request for the target transaction data in response to the user's cancellation operation for the error service of the target transaction data; and sending the error cancellation request to the banking system.
[0007] In one embodiment of this disclosure, the method further includes: in response to a user's query operation regarding the error processing progress and / or result of the target transaction data, generating a second query request regarding the error processing progress and / or result of the target transaction data, and sending the second query request to the bank system; receiving the error processing progress and / or result of the target transaction data sent by the bank system, and controlling the display of the error processing progress and / or result of the target transaction data.
[0008] According to a second aspect of the present disclosure, another business processing method is provided, applicable to a banking system, comprising: in response to a first query request for historical transaction data sent by a client, obtaining historical transaction data of a user logged into the client from a card organization system; sending the historical transaction data to the client for display; and in response to a first error processing request for target transaction data in the historical transaction data sent by the client, performing error processing based on the target transaction data.
[0009] In one embodiment of this disclosure, the step of performing error processing based on the target transaction data includes: extracting error information from the first error service request; and performing error processing based on the error information and the target transaction data.
[0010] In one embodiment of this disclosure, the step of performing error processing based on the error service information and the target transaction data includes: generating a second error service request for the target transaction data based on the error service information and the target transaction data; and sending the second error service request to the card organization system.
[0011] In one embodiment of this disclosure, it further includes: receiving the error processing progress and / or result of the target transaction data sent by the card organization system.
[0012] In one embodiment of this disclosure, the step of performing error processing based on the target transaction data includes: identifying whether the identifier of the target transaction data exists in the error processing list; in response to the fact that the identifier of the target transaction data does not exist in the error processing list, adding the identifier of the target transaction data to the error processing list, and performing error processing based on the target transaction data.
[0013] In one embodiment of this disclosure, the method further includes: in response to an error service cancellation request for the target transaction data sent by the client, removing the identifier of the target transaction data from the error service list.
[0014] In one embodiment of this disclosure, the method further includes: in response to a second query request sent by the client regarding the error processing progress and / or result of the target transaction data, sending the error processing progress and / or result of the target transaction data to the client for display.
[0015] In one embodiment of this disclosure, the step of performing error processing based on the target transaction data includes: identifying whether the transaction category corresponding to the target transaction data is a set transaction category; and performing error processing based on the target transaction data in response to the transaction category corresponding to the target transaction data being a set transaction category.
[0016] According to a third aspect of the present disclosure, a business processing apparatus is provided, applicable to a client, comprising: a first sending module configured to, in response to a user's query operation on historical transaction data logged into the client, generate a first query request for the user's historical transaction data and send the first query request to a banking system, wherein the first query request is used to obtain the historical transaction data from a card organization system; a first receiving module configured to receive the historical transaction data sent by the banking system and control the display of the historical transaction data and error guidance information of the historical transaction data; a first generating module configured to, based on first operation information of the user on target transaction data in the historical transaction data and second operation information on the error guidance information of the target transaction data, generate a first error service request for the target transaction data; and a second sending module configured to send the first error service request to the banking system.
[0017] In one embodiment of this disclosure, the first generation module is further configured to: generate error service information based on the first operation information and the second operation information; and generate the first error service request based on the error service information.
[0018] In one embodiment of this disclosure, it further includes: a second generation module configured to generate an error service cancellation request for the target transaction data in response to the user's cancellation operation for the error service of the target transaction data; and a third sending module configured to send the error service cancellation request to the banking system.
[0019] In one embodiment of this disclosure, the system further includes: a fourth sending module configured to, in response to a user's query operation regarding the error processing progress and / or result of the target transaction data, generate a second query request regarding the error processing progress and / or result of the target transaction data, and send the second query request to the bank system; and a second receiving module configured to receive the error processing progress and / or result of the target transaction data sent by the bank system, and control the display of the error processing progress and / or result of the target transaction data.
[0020] According to a fourth aspect of the present disclosure, another business processing apparatus is provided, applicable to a banking system, comprising: an acquisition module configured to acquire historical transaction data of a user logged into the client from a card organization system in response to a first query request for historical transaction data sent by a client; a sending module configured to send the historical transaction data to the client for display; and a processing module configured to perform error processing based on the target transaction data in response to a first error service request for target transaction data in the historical transaction data sent by the client.
[0021] In one embodiment of this disclosure, the processing module is further configured to: extract error service information from the first error service request; and perform error service processing based on the error service information and the target transaction data.
[0022] In one embodiment of this disclosure, the processing module is further configured to: generate a second error service request for the target transaction data based on the error service information and the target transaction data; and send the second error service request to the card organization system.
[0023] In one embodiment of this disclosure, it further includes: a receiving module configured to receive error processing progress and / or results of the target transaction data sent by the card organization system.
[0024] In one embodiment of this disclosure, the processing module is further configured to: identify whether the identifier of the target transaction data exists in the error service list; in response to the identifier of the target transaction data not existing in the error service list, add the identifier of the target transaction data to the error service list, and perform error service processing based on the target transaction data.
[0025] In one embodiment of this disclosure, the processing module is further configured to: in response to an error service cancellation request for the target transaction data sent by the client, remove the identifier of the target transaction data from the error service list.
[0026] In one embodiment of this disclosure, the sending module is further configured to: in response to a second query request sent by the client regarding the error processing progress and / or result of the target transaction data, send the error processing progress and / or result of the target transaction data to the client for display.
[0027] In one embodiment of this disclosure, the processing module is further configured to: identify whether the transaction category corresponding to the target transaction data is a set transaction category; and, in response to the target transaction data being a set transaction category, perform error processing based on the target transaction data.
[0028] According to a fifth aspect of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the business processing method as described above.
[0029] According to a sixth aspect of the present disclosure, a computer-readable storage medium is provided, wherein when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the business processing method as described above.
[0030] According to a seventh aspect of the present disclosure, a computer program product is provided, including a computer program that, when executed by a processor, implements the business processing method as described above.
[0031] The technical solution provided by the embodiments of this disclosure brings at least the following beneficial effects: In response to a user's query operation on historical transaction data, the client generates a first query request, sends the first query request to the bank system, and receives historical transaction data sent by the bank system. That is, the client interfaces with the bank system, and the bank system interfaces with the card organization system. The client can obtain historical transaction data from the card organization system through the bank system and control the display of historical transaction data and error guidance information for historical transaction data. Based on the user's first operation information on the target transaction data and the second operation information on the error guidance information for the target transaction data, a first error service request is generated and sent to the bank system. In other words, the client can automatically generate the first error service request based on the user's first and second operation information and send it to the bank system. The generation of the first error service request is more flexible. Compared to related technologies where error processing mostly relies on manual intervention, this saves manpower and resources and improves the intelligence, automation, and efficiency of error processing.
[0032] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description
[0033] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.
[0034] Figure 1 This is a flowchart illustrating the business processing method according to the first embodiment of this disclosure.
[0035] Figure 2 This is a flowchart illustrating a business processing method according to a second embodiment of the present disclosure.
[0036] Figure 3 This is a flowchart illustrating a business processing method according to a third embodiment of the present disclosure.
[0037] Figure 4 This is a flowchart illustrating the business processing method according to the fourth embodiment of this disclosure.
[0038] Figure 5 This is a block diagram of a service processing apparatus according to a first embodiment of the present disclosure.
[0039] Figure 6 This is a block diagram of a service processing apparatus according to a second embodiment of the present disclosure.
[0040] Figure 7 This is a block diagram illustrating an electronic device according to an exemplary embodiment. Detailed Implementation
[0041] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.
[0042] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this disclosure are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this disclosure described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.
[0043] The acquisition, storage, use, and processing of data in this disclosed technical solution all comply with the relevant provisions of national laws and regulations.
[0044] Figure 1This is a flowchart illustrating the business processing method according to the first embodiment of this disclosure.
[0045] like Figure 1 As shown, the business processing method of the first embodiment of this disclosure includes the following steps:
[0046] In step S101, in response to a user's query operation on historical transaction data on the logged-in client, a first query request for the user's historical transaction data is generated and sent to the bank system. The first query request is used to obtain historical transaction data from the card organization system.
[0047] It should be noted that the client is the executing entity of the business processing method of this disclosure. The business processing method of this disclosure embodiment can be executed by the business processing device of this disclosure embodiment, and the business processing device of this disclosure embodiment can be configured in any client to execute the business processing method of this disclosure embodiment.
[0048] It should be noted that "client" refers to a client application that provides banking services (such as mobile banking or a bank's website), "bank system" refers to a system that provides banking services to the client (such as a workstation, server, or computer), and "card organization system" refers to a system that provides clearing services (such as error handling services) (such as a workstation, server, or computer). Communication is possible between the client and the bank system, and between the bank system and the card organization system, for data transmission; there are no strict limitations on the communication methods.
[0049] In the embodiments of this disclosure, a user can log in to the client and trigger a query operation on the client for the user's historical transaction data. Correspondingly, the client can respond to the query operation by generating a first query request for the user's historical transaction data. It should be noted that the historical transaction data is not subject to excessive limitations; for example, historical transaction data includes, but is not limited to, transaction time, transaction card number, transaction type, merchant name, merchant address, and transaction amount. The query operation is not subject to excessive limitations either.
[0050] In one implementation, the client's page includes an icon for triggering the query operation, which the user can click to trigger the query operation.
[0051] In one implementation, the first query request carries the transaction time, transaction card number, quantity, etc. of the historical transaction data to be queried. For example, the client page includes an input text box and a selection menu. The user can enter the transaction time, transaction card number, merchant, quantity, etc. of the historical transaction data to be queried in the input text box, or the user can select the transaction time, transaction card number, quantity, etc. of the historical transaction data to be queried in the selection menu.
[0052] In the embodiments of this disclosure, the client may send a first query request to the banking system, wherein the first query request is used to obtain historical transaction data from the card organization system. It should be noted that the card organization system stores the user's historical transaction data, and the banking system can obtain this historical transaction data from the card organization system.
[0053] In step S102, historical transaction data sent by the bank system is received, and the display of historical transaction data and error guidance information for historical transaction data is controlled.
[0054] In the embodiments of this disclosure, the client can receive historical transaction data sent by the banking system and control the display of the historical transaction data and error guidance information for the historical transaction data. It should be noted that the error guidance information is not overly limited; for example, it may include, but is not limited to, text and images.
[0055] In some examples, error handling guidance information includes, but is not limited to, "Do you want to apply for error handling services?", "Do you agree to the relevant regulations, application agreement, and fee schedule?", "Do you want to continue applying for error handling services?", "Select the disputed transaction category, such as xx?", "Do you want to switch to Chinese / English?", "Enter the amount, such as xx?", "You can click xx", "Upload file xx", "Enter remarks, such as xx", "Confirm that everything is correct and submit the application", "Please sign", etc.
[0056] In one implementation, controlling the display of historical transaction data includes sorting the historical transaction data by transaction time from latest to earliest, and controlling the display of the historical transaction data item by item on the client's page according to the sorting results.
[0057] In one implementation, controlling the display of historical transaction data and error guidance information for historical transaction data includes displaying historical transaction data and error guidance information for historical transaction data in association.
[0058] For example, historical transaction data and error guidance information related to historical transaction data can be displayed in conjunction with each other. This includes controlling the display of historical transaction data in response to mouse hover over it, and / or controlling the display of error guidance information in response to clicks on historical transaction data. In this case, the error guidance information is displayed in a hidden manner.
[0059] For example, historical transaction data and its error guidance information can be displayed in a related manner, including displaying the error guidance information around the historical transaction data. For instance, the error guidance information could be displayed below or to the right of the historical transaction data.
[0060] In step S103, a first error service request for the target transaction data is generated based on the user's first operation information for the target transaction data in the historical transaction data and the second operation information for the error service guidance information for the target transaction data.
[0061] It should be noted that target transaction data refers to some or all of the historical transaction data. There must be at least one target transaction data set, and there is no strict limit on the number. Users can determine which historical transaction data sets qualify as target transaction data.
[0062] In the embodiments of this disclosure, a user can perform a first operation on the client for target transaction data in historical transaction data, and can also perform a second operation on the client for error guidance information for the target transaction data. Accordingly, the client can generate a first error service request for the target transaction data based on the first and second operation information. It should be noted that neither the first nor the second operation information is subject to excessive limitations.
[0063] In one implementation, the client's page includes an icon for triggering a first error service request for the target transaction data. The user can click this icon to trigger the first error service request for the target transaction data. In another implementation, the first error service request carries error service information, which is not overly limited. For example, the error service information includes, but is not limited to, the transaction time, transaction card number, transaction type, merchant name, merchant address, transaction amount, supporting documents (such as invoices), user signature (such as electronic signatures, signature files), error service documents (such as declaration forms), and user remarks. The transaction type includes, but is not limited to, no recollection of the transaction, denial of participation in the transaction, and participation in the transaction but with doubts about it.
[0064] For example, the client's page includes an input text box, a selection menu, a file upload icon, and a signature icon. Users can fill in error information in the input text box, or select error information from the selection menu, or click the file upload icon to upload supporting documents, signature files, or error documents, or click the signature icon to sign online.
[0065] In step S104, the first error service request is sent to the bank system.
[0066] In the embodiments of this disclosure, the client may send a first error service request to the bank system, which will then process the error service.
[0067] In one implementation, the method further includes generating an error cancellation request for the target transaction data in response to a user's cancellation operation for an erroneous transaction, and sending the error cancellation request to the banking system. It is understood that users may inadvertently misread, miscalculate, or misremember amounts, thus initiating a first error request even for a normally valid target transaction. In this method, the client can also respond to the user's cancellation operation by generating an error cancellation request and sending it to the banking system to promptly cancel the erroneous transaction for the target transaction data.
[0068] In one implementation, the method further includes, in response to a user's query operation regarding the error processing progress and / or result of the target transaction data, generating a second query request for the error processing progress and / or result of the target transaction data, sending the second query request to the banking system, receiving the error processing progress and / or result of the target transaction data from the banking system, and controlling the display of the error processing progress and / or result of the target transaction data. Therefore, in this method, the client can also, in response to a user's query operation regarding the error processing progress and / or result, generate a second query request, send the second query request to the banking system, receive the error processing progress and / or result from the banking system, and control the display of the error processing progress and / or result, thus promptly informing the user of the error processing progress and / or result.
[0069] It should be noted that there are no excessive restrictions on the progress and / or results of error processing. For example, the progress of error processing includes, but is not limited to, not accepted, accepted, preliminary review, review, and case closure, while the results of error processing include, but are not limited to, successful appeal and unsuccessful appeal.
[0070] It should be noted that the relevant content of the query operation can be found in the above embodiments, and will not be repeated here.
[0071] In summary, according to the business processing method provided in this embodiment, the client responds to the user's query operation on historical transaction data by generating a first query request, sending the first query request to the bank system, and receiving historical transaction data sent by the bank system. That is, the client interfaces with the bank system, and the bank system interfaces with the card organization system. The client can obtain historical transaction data from the card organization system through the bank system and control the display of historical transaction data and error guidance information for historical transaction data. Based on the user's first operation information on the target transaction data and the second operation information on the error guidance information for the target transaction data, a first error business request is generated and sent to the bank system. In other words, the client can automatically generate the first error business request based on the user's first and second operation information and send it to the bank system. This provides greater flexibility in generating the first error business request. Compared to related technologies that mostly rely on manual error processing, this saves manpower and resources and improves the intelligence, automation, and efficiency of error processing.
[0072] Figure 2 This is a flowchart illustrating a business processing method according to a second embodiment of the present disclosure.
[0073] like Figure 2 As shown, the service processing method of the second embodiment of this disclosure includes the following steps:
[0074] In step S201, in response to a user's query operation on historical transaction data on the logged-in client, a first query request for the user's historical transaction data is generated and sent to the bank system. The first query request is used to obtain historical transaction data from the card organization system.
[0075] In step S202, historical transaction data sent by the bank system is received, and the display of historical transaction data and error guidance information for historical transaction data is controlled.
[0076] The details of steps S201-S202 can be found in the above embodiments and will not be repeated here.
[0077] In step S203, error service information is generated based on the first operation information and the second operation information.
[0078] In one implementation, error service information is generated based on the first operation information and the second operation information, including the following possible implementation methods:
[0079] Method 1: Identify the category of the first operation information as operation information for inputting and / or uploading target transaction data, and identify the category of the second operation information as operation information for inputting and / or uploading error business guidance information. Generate error business information based on the first operation information and the second operation information.
[0080] For example, the first operation information includes the merchant name entered for the target transaction data and the uploaded signature file, and the error business guidance information is "Enter the amount, such as xx". The second operation information includes the amount entered for "Enter the amount, such as xx" (such as the transaction amount, the amount to be refunded, etc.). Then, error business information can be generated based on the merchant name, signature file, and amount.
[0081] For example, the first operation information includes the merchant name entered for the target transaction data and the uploaded signature file, and the error business guidance information is "Enter remarks, such as xx". The second operation information includes the user remarks entered for "Enter remarks, such as xx". Then, error business information can be generated based on the transaction card number, proof document and user remarks.
[0082] For example, the first operation information includes the merchant name entered for the target transaction data, and the error business guidance information is "upload file, such as xx". The second operation information includes the supporting documents uploaded for "upload file, such as xx". Then, error business information can be generated based on the merchant name and supporting documents.
[0083] For example, the first operation information includes the merchant name entered for the target transaction data, and the error business guidance information is "Please sign". The second operation information includes the electronic signature uploaded for "Please sign". Then, error business information can be generated based on the merchant name and electronic signature.
[0084] Method 2: Identify the category of the first operation information as operation information for selecting target transaction data, and identify the category of the second operation information as operation information for selecting error business guidance information. Generate error business information based on the target transaction data and the selected error business guidance information.
[0085] For example, historical transaction data includes historical transaction data 1 to 10. The first operation information includes the operation information of selecting historical transaction data 5, that is, historical transaction data 5 is the target transaction data. The error business guidance information is "select the questionable transaction category, such as xx". The second operation information includes the operation information of selecting "no impression of transaction", that is, the questionable transaction category selected by the user is "no impression of transaction". Then, error business information can be generated based on historical transaction data 5 and "no impression of transaction".
[0086] Method 3: Identify the category of the first operation information as operation information for inputting and / or uploading target transaction data, and identify the category of the second operation information as operation information for selecting error business guidance information. Generate error business information based on the first operation information and the selected error business guidance information.
[0087] For example, the first operation information includes the merchant name entered for the target transaction data and the uploaded signature file. The error business guidance information is "Select the questionable transaction category, such as xx". The second operation information includes the operation information of selecting "no impression of transaction". That is, if the user selects the questionable transaction category as "no impression of transaction", then the error business information can be generated based on the merchant name, signature file and "no impression of transaction".
[0088] Method 4: Identify the category of the first operation information as operation information for selecting target transaction data, and identify the category of the second operation information as operation information for inputting and / or uploading error business guidance information. Generate error business information based on the target transaction data and the second operation information.
[0089] For example, historical transaction data includes historical transaction data 1 to 10. The first operation information includes the operation information of selecting historical transaction data 5, that is, historical transaction data 5 is the target transaction data. The second operation information includes the amount entered for "enter the amount, such as xx". Then, error business information can be generated based on historical transaction data 5 and the amount.
[0090] In step S204, a first error service request is generated based on the error service information.
[0091] In the embodiments of this disclosure, the client can generate a first error service request based on error service information. For example, the first error service request carries error service information. In one implementation, generating the first error service request based on the error service information includes obtaining the error service rules of the banking system, and generating the first error service request based on the error service rules and the error service information. It should be noted that the error service rules are not subject to excessive limitations; for example, error service rules include, but are not limited to, data formats, message formats, etc.
[0092] In step S205, the first error service request is sent to the bank system.
[0093] The details of step S205 can be found in the above embodiments and will not be repeated here.
[0094] In summary, according to the business processing method provided in this embodiment, the client controls the display of error service guidance information for the target transaction data, generates error service information based on the target transaction data and / or user operation information regarding the error service guidance information, and generates a first error service request based on the error service information. Therefore, the client can automatically generate error service information and subsequently automatically generate the first error service request based on the target transaction data and / or user operation information regarding the error service guidance information.
[0095] Figure 3 This is a flowchart illustrating a business processing method according to a third embodiment of the present disclosure.
[0096] like Figure 3 As shown, the service processing method of the third embodiment of this disclosure includes the following steps:
[0097] In step S301, in response to the first query request for historical transaction data sent by the client, the historical transaction data of the user logged into the client is obtained from the card organization system.
[0098] It should be noted that the execution entity of the business processing method of this disclosure is a banking system. The business processing method of this disclosure embodiment can be executed by the business processing device of this disclosure embodiment, and the business processing device of this disclosure embodiment can be configured in any banking system to execute the business processing method of this disclosure embodiment.
[0099] In embodiments of this disclosure, the banking system may respond to a first query request sent by the client and obtain the historical transaction data of the user who logged into the client from the card organization system.
[0100] In one implementation, the banking system obtains the historical transaction data of the logged-in client user from the card organization system, including the banking system forwarding a first query request to the card organization system and receiving the user's historical transaction data sent by the card organization system.
[0101] In one implementation, the bank system has operational authority over the card organization system, which includes at least obtaining the user's historical transaction data from the card organization system. In this case, the bank system can obtain the user's historical transaction data from the logged-in client system on its own.
[0102] In step S302, historical transaction data is sent to the client for display.
[0103] In step S303, in response to the first error service request sent by the client for the target transaction data in the historical transaction data, error service processing is performed based on the target transaction data.
[0104] In the embodiments of this disclosure, the banking system can send historical transaction data to the client for display, and respond to the client's first error service request for target transaction data in the historical transaction data, and perform error service processing based on the target transaction data.
[0105] In one implementation, error processing is performed based on target transaction data, including pushing the target transaction data to a target object for error processing. It should be noted that the target object is not overly limited; for example, the target object includes, but is not limited to, error processing departments and employees within the bank system.
[0106] In one implementation, error processing based on target transaction data includes identifying whether an identifier for the target transaction data exists in an error processing list. If the identifier does not exist in the error processing list, indicating that error processing for the target transaction data has not been performed previously, the identifier is added to the error processing list, and error processing is performed based on the target transaction data. It should be noted that the error processing list refers to a list of identifiers for transaction data that have undergone error processing. Therefore, in this method, the banking system can identify whether the identifier for the target transaction data exists in the error processing list before performing error processing based on the target transaction data, thus avoiding repeated error processing based on the target transaction data and improving the efficiency of error processing.
[0107] As another possible implementation, if the identifier of the target transaction data exists in the error business list, indicating that the target transaction data has already undergone error business processing, then it is not necessary to perform error business processing based on the target transaction data.
[0108] In one implementation, the method further includes removing the identifier of the target transaction data from the error transaction list in response to an error transaction cancellation request sent by the client. Thus, in this method, the banking system can also remove the identifier of the target transaction data from the error transaction list in response to an error transaction cancellation request sent by the client, thereby updating the error transaction list in a timely manner and canceling the error transaction for the target transaction data promptly.
[0109] In one implementation, error processing based on target transaction data includes identifying whether the transaction category corresponding to the target transaction data is a predefined transaction category, and, in response to the target transaction data being a predefined transaction category, performing error processing based on the target transaction data. It should be noted that the predefined transaction categories are not overly limited; for example, predefined transaction categories may include consumer transactions. Therefore, in this method, before performing error processing based on target transaction data, the banking system can identify the transaction category corresponding to the target transaction data as a predefined transaction category, thus avoiding error processing of target transaction data that does not belong to a predefined transaction category, and helping to improve the efficiency of error processing.
[0110] In one implementation, in response to a second query request sent by the client regarding the error processing progress and / or result of the target transaction data, the system can also send the error processing progress and / or result of the target transaction data to the client for display. Therefore, in this method, the banking system can also respond to the second query request sent by the client and send the error processing progress and / or result to the client for display, thus promptly informing the user of the error processing progress and / or result.
[0111] In summary, according to the business processing method provided in this disclosure, the bank system responds to a first query request for historical transaction data sent by the client, obtains the historical transaction data of the logged-in client user from the card organization system, and sends the historical transaction data to the client for display. That is, the client interfaces with the bank system, and the bank system interfaces with the card organization system. The bank system can send the historical transaction data obtained from the card organization system to the client, and respond to a first error business request sent by the client for target transaction data in the historical transaction data, and perform error business processing based on the target transaction data. In other words, the bank system can respond to the first error business request sent by the client and perform error business processing based on the target transaction data. Compared with related technologies, which mostly rely on manual error business processing, this saves manpower and resources and improves the intelligence, automation, and efficiency of error business processing.
[0112] Figure 4 This is a flowchart illustrating the business processing method according to the fourth embodiment of this disclosure.
[0113] like Figure 4 As shown, the service processing method of the fourth embodiment of this disclosure includes the following steps:
[0114] In step S401, in response to the first query request for historical transaction data sent by the client, the historical transaction data of the user logged into the client is obtained from the card organization system.
[0115] In step S402, historical transaction data is sent to the client for display.
[0116] The details of steps S401-S402 can be found in the above embodiments and will not be repeated here.
[0117] In step S403, in response to the first error service request sent by the client for the target transaction data in the historical transaction data, error service information is extracted from the first error service request.
[0118] In step S404, error processing is performed based on the error business information and the target transaction data.
[0119] In the embodiments of this disclosure, the first error service request carries error service information. The banking system can extract the error service information from the first error service request and perform error service processing based on the error service information and the target transaction data.
[0120] In one implementation, error processing is performed based on error business information and target transaction data, including pushing the error business information and target transaction data to the target object for error processing. It should be noted that the relevant content of the target object can be found in the above embodiments and will not be repeated here.
[0121] In one implementation, error processing is performed based on error transaction information and target transaction data. This includes generating a second error transaction request for the target transaction data and sending the second error transaction request to the card organization system. Thus, in this method, the bank system can generate a second error transaction request based on the error transaction information and target transaction data, and send the second error transaction request to the card organization system for error processing.
[0122] In one implementation, a second error service request is generated based on the error service information and the target transaction data. This includes obtaining the error service rules of the card organization system, combining the error service information and the target transaction data according to the error service rules to generate combined data, and generating the second error service request based on the combined data.
[0123] In one implementation, the method further includes receiving the error processing progress and / or result of the target transaction data sent by the card organization system. Thus, in this method, the bank system can receive the error processing progress and / or result sent by the card organization system, so that it can subsequently send the error processing progress and / or result to the client for display.
[0124] In summary, according to the business processing method provided in this embodiment, the banking system extracts error business information from the first error business request and automatically performs error business processing based on the error business information and the target transaction data.
[0125] Figure 5 This is a block diagram of a service processing apparatus according to a first embodiment of the present disclosure.
[0126] like Figure 5 As shown, the service processing device 500 of this embodiment is applicable to a client. The service processing device 500 includes: a first sending module 501, a first receiving module 502, a first generating module 503, and a second sending module 504.
[0127] The first sending module 501 is configured to generate a first query request for the user's historical transaction data in response to a user's query operation on the logged-in client, and send the first query request to the bank system, wherein the first query request is used to obtain the historical transaction data from the card organization system;
[0128] The first receiving module 502 is configured to receive the historical transaction data sent by the bank system, and to control the display of the historical transaction data and the error guidance information of the historical transaction data;
[0129] The first generation module 503 is configured to generate a first error service request for the target transaction data based on the user's first operation information for the target transaction data in the historical transaction data and the second operation information for the error service guidance information for the target transaction data.
[0130] The second sending module 504 is configured to send the first error service request to the bank system.
[0131] In one embodiment of this disclosure, the first generation module 503 is further configured to: generate error service information based on the first operation information and the second operation information; and generate the first error service request based on the error service information.
[0132] In one embodiment of this disclosure, the service processing apparatus 500 further includes: a second generation module configured to generate an error service cancellation request for the target transaction data in response to the user's cancellation operation for the error service of the target transaction data; and a third sending module configured to send the error service cancellation request to the banking system.
[0133] In one embodiment of this disclosure, the business processing apparatus 500 further includes: a fourth sending module, configured to, in response to a user's query operation regarding the error processing progress and / or result of the target transaction data, generate a second query request regarding the error processing progress and / or result of the target transaction data, and send the second query request to the bank system; and a second receiving module, configured to receive the error processing progress and / or result of the target transaction data sent by the bank system, and control the display of the error processing progress and / or result of the target transaction data.
[0134] Regarding the apparatus in the above embodiments, the specific manner in which each module performs its operation has been described in detail in the embodiments related to the method, and will not be elaborated upon here.
[0135] In summary, the business processing apparatus provided in this embodiment allows the client to respond to a user's query operation on historical transaction data by generating a first query request, sending the first query request to the bank system, and receiving historical transaction data sent by the bank system. This means the client interfaces with the bank system, and the bank system interfaces with the card organization system. The client can obtain historical transaction data from the card organization system through the bank system and control the display of historical transaction data and error guidance information for that data. Based on the user's first operation information on the target transaction data and the second operation information on the error guidance information for that data, the client generates a first error service request and sends it to the bank system. In other words, the client can automatically generate the first error service request based on the user's first and second operation information and send it to the bank system. This provides greater flexibility in generating the first error service request. Compared to related technologies where error processing largely relies on manual intervention, this saves manpower and resources and improves the intelligence, automation, and efficiency of error processing.
[0136] Figure 6 This is a block diagram of a service processing apparatus according to a second embodiment of the present disclosure.
[0137] like Figure 6 As shown, the business processing device 600 of this disclosure embodiment is applicable to a banking system. The business processing device 600 includes: an acquisition module 601, a sending module 602, and a processing module 603.
[0138] The acquisition module 601 is configured to acquire the historical transaction data of the user logged into the client from the card organization system in response to a first query request for historical transaction data sent by the client.
[0139] The sending module 602 is configured to send the historical transaction data to the client for display;
[0140] The processing module 603 is configured to respond to a first error service request sent by the client for target transaction data in the historical transaction data, and to perform error service processing based on the target transaction data.
[0141] In one embodiment of this disclosure, the processing module 603 is further configured to: extract error service information from the first error service request; and perform error service processing based on the error service information and the target transaction data.
[0142] In one embodiment of this disclosure, the processing module 603 is further configured to: generate a second error service request for the target transaction data based on the error service information and the target transaction data; and send the second error service request to the card organization system.
[0143] In one embodiment of this disclosure, the service processing apparatus 600 further includes a receiving module configured to receive error processing progress and / or results of the target transaction data sent by the card organization system.
[0144] In one embodiment of this disclosure, the processing module 603 is further configured to: identify whether the identifier of the target transaction data exists in the error service list; in response to the fact that the identifier of the target transaction data does not exist in the error service list, add the identifier of the target transaction data to the error service list, and perform error service processing based on the target transaction data.
[0145] In one embodiment of this disclosure, the processing module 603 is further configured to: in response to an error service cancellation request for the target transaction data sent by the client, delete the identifier of the target transaction data from the error service list.
[0146] In one embodiment of this disclosure, the sending module 602 is further configured to: in response to a second query request sent by the client regarding the error processing progress and / or result of the target transaction data, send the error processing progress and / or result of the target transaction data to the client for display.
[0147] In one embodiment of this disclosure, the processing module 603 is further configured to: identify whether the transaction category corresponding to the target transaction data is a set transaction category; and, in response to the transaction category corresponding to the target transaction data being a set transaction category, perform error processing based on the target transaction data.
[0148] Regarding the apparatus in the above embodiments, the specific manner in which each module performs its operation has been described in detail in the embodiments related to the method, and will not be elaborated upon here.
[0149] In summary, the business processing apparatus provided in this embodiment allows the banking system to respond to a first query request for historical transaction data sent by the client, obtain the historical transaction data of the logged-in client user from the card organization system, and send the historical transaction data to the client for display. This means the client interfaces with the banking system, and the banking system interfaces with the card organization system. The banking system can send the historical transaction data obtained from the card organization system to the client and respond to a first error processing request for target transaction data in the historical transaction data sent by the client. It then performs error processing based on the target transaction data. In other words, the banking system can respond to the first error processing request sent by the client and perform error processing based on the target transaction data. Compared to related technologies where error processing largely relies on manual intervention, this saves manpower and resources, and improves the intelligence, automation, and efficiency of error processing.
[0150] Figure 7 This is a block diagram illustrating an electronic device according to an exemplary embodiment. It should be noted that the electronic device can be any type of electronic device, including client devices, banking systems, and card organization systems.
[0151] like Figure 7 As shown, the above-mentioned electronic device 700 includes:
[0152] The system includes a memory 710 and a processor 720, and a bus 730 connecting different components (including the memory 710 and the processor 720). The memory 710 stores a computer program, and when the processor 720 executes the program, it implements the business processing method described in the embodiments of this disclosure.
[0153] Bus 730 represents one or more of several bus architectures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of the various bus architectures. Examples of these architectures include, but are not limited to, the Industry Standard Architecture (ISA) bus, the Micro Channel Architecture (MAC) bus, the Enhanced ISA bus, the Video Electronics Standards Association (VESA) local bus, and the Peripheral Component Interconnect (PCI) bus.
[0154] Electronic device 700 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by electronic device 700, including volatile and non-volatile media, removable and non-removable media.
[0155] The memory 710 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 740 and / or cache memory 750. The electronic device 700 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 760 can be used to read and write non-removable, non-volatile magnetic media (…). Figure 7 Not shown; usually referred to as a "hard drive"). Although Figure 7 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk") and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 730 via one or more data media interfaces. Memory 710 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of the embodiments of this disclosure.
[0156] A program / utility 780 having a set (at least one) of program modules 770 may be stored in, for example, memory 710. Such program modules 770 include—but are not limited to—an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. Program modules 770 typically perform the functions and / or methods described in the embodiments of this disclosure.
[0157] Electronic device 700 can also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), and with one or more devices that enable a user to interact with the electronic device 700, and / or with any device that enables the electronic device 700 to communicate with one or more other computing devices (e.g., network card, modem, etc.). This communication can be performed through input / output (I / O) interface 792. Furthermore, electronic device 700 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) through network adapter 793. Figure 7 As shown, network adapter 793 communicates with other modules of electronic device 700 via bus 730. It should be understood that, although not shown in the figure, other hardware and / or software modules can be used in conjunction with electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.
[0158] The processor 720 executes various functional applications and data processing by running programs stored in the memory 710.
[0159] It should be noted that the implementation process and technical principles of the electronic device in this embodiment are explained in the foregoing description of the business processing method of the present disclosure embodiment, and will not be repeated here.
[0160] In summary, the electronic device provided in this embodiment can execute the business processing method described above. The client responds to a user's query operation on historical transaction data, generates a first query request, sends the first query request to the bank system, and receives historical transaction data sent by the bank system. That is, the client interfaces with the bank system, and the bank system interfaces with the card organization system. The client can obtain historical transaction data from the card organization system through the bank system and control the display of historical transaction data and error guidance information for historical transaction data. Based on the user's first operation information on the target transaction data and the second operation information on the error guidance information for the target transaction data, a first error business request is generated and sent to the bank system. In other words, the client can automatically generate the first error business request based on the user's first and second operation information and send it to the bank system. This provides greater flexibility in generating the first error business request. Compared to related technologies that mostly rely on manual error processing, this saves manpower and resources and improves the intelligence, automation, and efficiency of error processing.
[0161] To implement the above embodiments, this disclosure also proposes a computer-readable storage medium.
[0162] When the instructions in the computer-readable storage medium are executed by the processor of the business server, the business server is able to perform the business processing method as described above. Optionally, the computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, or optical data storage device, etc.
[0163] To implement the above embodiments, this disclosure also provides a computer program product, including a computer program, characterized in that the computer program, when executed by a processor, implements the business processing method as described above.
[0164] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.
[0165] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.
Claims
1. A business processing method, characterized in that, For clients, including: In response to a user's query operation on historical transaction data on the logged-in client, a first query request for the user's historical transaction data is generated and sent to the bank system, wherein the first query request is used to obtain the historical transaction data from the card organization system; Receive the historical transaction data sent by the banking system, and control the display of the historical transaction data and the error guidance information of the historical transaction data; Based on the user's first operation information regarding target transaction data in the historical transaction data, and the second operation information regarding error service guidance information for the target transaction data, a first error service request is generated for the target transaction data. This includes: generating error service information based on the first operation information and the second operation information; and generating the first error service request based on the error service information. The generation of the first error service request based on the error service information includes obtaining error service rules from the bank system and generating the first error service request based on the error service rules and the error service information. The first error service request is sent to the bank system.
2. The method according to claim 1, characterized in that, Also includes: In response to the user's cancellation operation for the error service of the target transaction data, a cancellation request for the error service of the target transaction data is generated; The error cancellation request is sent to the bank system.
3. The method according to claim 1, characterized in that, Also includes: In response to the user's query operation regarding the error processing progress and / or result of the target transaction data, a second query request regarding the error processing progress and / or result of the target transaction data is generated, and the second query request is sent to the bank system; Receive the error processing progress and / or results of the target transaction data sent by the bank system, and control the display of the error processing progress and / or results of the target transaction data.
4. A business processing method, characterized in that, Applicable to banking systems, including: In response to a first query request for historical transaction data sent by the client, the historical transaction data of the user logged into the client is obtained from the card organization system; The historical transaction data is sent to the client for display. In response to a first error service request sent by the client for target transaction data in the historical transaction data, error service processing is performed based on the target transaction data.
5. The method according to claim 4, characterized in that, The error processing based on the target transaction data includes: Extract the error service information from the first error service request; Error processing is performed based on the error business information and the target transaction data.
6. The method according to claim 5, characterized in that, The step of performing error processing based on the error business information and the target transaction data includes: Based on the error service information and the target transaction data, a second error service request is generated for the target transaction data; The second error service request is sent to the card organization system.
7. The method according to claim 6, characterized in that, Also includes: Receive the error processing progress and / or results of the target transaction data sent by the card organization system.
8. The method according to claim 4, characterized in that, The error processing based on the target transaction data includes: Check whether the identifier of the target transaction data exists in the error business list; In response to the fact that the identifier of the target transaction data does not exist in the error service list, the identifier of the target transaction data is added to the error service list, and error service processing is performed based on the target transaction data.
9. The method according to claim 8, characterized in that, Also includes: In response to the error service cancellation request sent by the client for the target transaction data, the identifier of the target transaction data is removed from the error service list.
10. The method according to any one of claims 4-9, characterized in that, Also includes: In response to a second query request sent by the client regarding the error processing progress and / or results of the target transaction data, the error processing progress and / or results of the target transaction data are sent to the client for display.
11. The method according to any one of claims 4-9, characterized in that, The error processing based on the target transaction data includes: Identify whether the transaction category corresponding to the target transaction data is a set transaction category; In response to the target transaction data corresponding to the set transaction category, error processing is performed based on the target transaction data.
12. A business processing apparatus, characterized in that, For clients, including: The first sending module is configured to respond to a user's query operation on historical transaction data from the logged-in client, generate a first query request for the user's historical transaction data, and send the first query request to the bank system, wherein the first query request is used to obtain the historical transaction data from the card organization system; The first receiving module is configured to receive the historical transaction data sent by the banking system, and to control the display of the historical transaction data and the error guidance information of the historical transaction data; The first generation module is configured to generate a first error service request for the target transaction data based on the user's first operation information for the target transaction data in the historical transaction data and the second operation information for the error service guidance information for the target transaction data. It is further configured to: generate error service information based on the first operation information and the second operation information; and generate the first error service request based on the error service information. The generation of the first error service request based on the error service information includes obtaining error service rules from the bank system and generating the first error service request based on the error service rules and the error service information. The second sending module is configured to send the first error service request to the bank system.
13. The apparatus according to claim 12, characterized in that, Also includes: The second generation module is configured to generate a cancellation request for the error service of the target transaction data in response to the user's cancellation operation for the error service of the target transaction data; The third sending module is configured to send the error service cancellation request to the bank system.
14. The apparatus according to claim 12, characterized in that, Also includes: The fourth sending module is configured to, in response to the user's query operation on the error processing progress and / or result of the target transaction data, generate a second query request on the error processing progress and / or result of the target transaction data, and send the second query request to the bank system; The second receiving module is configured to receive the error processing progress and / or result of the target transaction data sent by the bank system, and to control the display of the error processing progress and / or result of the target transaction data.
15. A business processing apparatus, characterized in that, Applicable to banking systems, including: The acquisition module is configured to retrieve the historical transaction data of the user logged into the client from the card organization system in response to a first query request for historical transaction data sent by the client. The sending module is configured to send the historical transaction data to the client for display. The processing module is configured to respond to a first error service request sent by the client for target transaction data in the historical transaction data, and to perform error service processing based on the target transaction data.
16. The apparatus according to claim 15, characterized in that, The processing module is further configured to: Extract the error service information from the first error service request; Error processing is performed based on the error business information and the target transaction data.
17. The apparatus according to claim 16, characterized in that, The processing module is further configured to: Based on the error service information and the target transaction data, a second error service request is generated for the target transaction data; The second error service request is sent to the card organization system.
18. The apparatus according to claim 17, characterized in that, Also includes: The receiving module is configured to receive the error processing progress and / or result of the target transaction data sent by the card organization system.
19. The apparatus according to claim 15, characterized in that, The processing module is further configured to: Check whether the identifier of the target transaction data exists in the error business list; In response to the fact that the identifier of the target transaction data does not exist in the error service list, the identifier of the target transaction data is added to the error service list, and error service processing is performed based on the target transaction data.
20. The apparatus according to claim 19, characterized in that, The processing module is further configured to: In response to the error service cancellation request sent by the client for the target transaction data, the identifier of the target transaction data is removed from the error service list.
21. The apparatus according to any one of claims 15-20, characterized in that, The sending module is further configured to: In response to a second query request sent by the client regarding the error processing progress and / or results of the target transaction data, the error processing progress and / or results of the target transaction data are sent to the client for display.
22. The apparatus according to any one of claims 15-20, characterized in that, The processing module is further configured to: Identify whether the transaction category corresponding to the target transaction data is a set transaction category; In response to the target transaction data corresponding to the set transaction category, error processing is performed based on the target transaction data.
23. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the business processing method as described in any one of claims 1-11.
24. A computer-readable storage medium, wherein when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the business processing method as described in any one of claims 1-11.
25. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the business processing method according to any one of claims 1-11.