Remotely assisted business handling method, system, electronic device and storage medium

Abstract

The present application provides a remote-assisted business processing method, system, electronic device and storage medium, which can be applied to the big data field or the financial field. The core system identifies that the target customer type of the target customer belongs to a special type based on the basic information of the session establishment message sent by the mobile banking according to the business processing requirements, and sends the target session establishment message to the mobile banking; the mobile banking authenticates the target customer based on the encrypted target identity information and establishes a session with the core system; the core system combines multiple target businesses determined based on historical business processing records and business processing information to obtain a business processing combination; the core system determines the target special type of the target customer from the special types based on the target customer feature information, and sends a prompt type and prompt information to the mobile banking according to the target special type and the target business processing combination; the mobile banking guides the target customer to perform business processing based on the prompt type and prompt information.

Description

Technical Field

[0001] The present invention relates to the field of Internet technology, and more specifically, to a remote-assisted business handling method, system, electronic device and storage medium. Background Art

[0002] In daily life, there are many special types of customers who inevitably encounter many inconveniences when going to outlets to handle business, so special types of customers are more inclined to remote assistance in handling business. Among them, special types of customers can be customers with eye diseases, communication difficulties, and mobility difficulties.

[0003] Therefore, how to provide a remote-assisted business processing method to reduce the difficulty of special types of customers in the business processing process and provide a convenient business processing method for special types of customers is a problem that urgently needs to be solved in this application. Summary of the invention

[0004] In view of this, the present invention provides a remote-assisted business processing method, system, electronic device and storage medium, so as to reduce the difficulty of special types of customers in the business processing process and provide a convenient business processing method for special types of customers.

[0005] A first aspect of the present invention discloses a remote assisted business handling method, the method comprising:

[0006] When the mobile banking receives a business handling demand from a target customer, it sends a session establishment message to the core system according to the business handling demand; wherein the session establishment message includes basic information and business handling information of the target customer;

[0007] The core system identifies the target customer type of the target customer according to the basic information in the session establishment message, and if the target customer type belongs to a special type, sends the target session establishment message to the mobile bank; wherein the target session establishment message is generated using the encrypted target identity information and business handling information; the special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type;

[0008] If the mobile banking performs identity authentication on the target customer according to the encrypted target identity information, a session is established with the core system;

[0009] When the core system establishes a session with the mobile banking, the core system determines multiple target services based on the historical service handling records of the target user obtained from the basic information and the service handling information, and combines the target services to obtain a service handling combination;

[0010] The core system obtains the target customer feature information, and determines the target special type corresponding to the target customer from the special types according to the target customer feature information, and sends the corresponding prompt type and prompt information to the mobile banking according to the special type and the target business handling combination;

[0011] The mobile banking guides the target customer to perform corresponding business according to the prompt type and prompt information.

[0012] Optionally, the method further includes:

[0013] When the core system establishes a session with the mobile bank, it monitors the session between the target customer and the mobile bank in real time and performs corresponding session control according to the monitoring information; wherein the session control is session termination, session continuation or session copy.

[0014] Optionally, the method further includes:

[0015] When the mobile banking establishes a session with the core system, the mobile banking monitors the current business handling environment of the target customer in real time to obtain environment monitoring information;

[0016] If the mobile banking determines, based on the environmental monitoring information, that there is an abnormality in the current business handling environment of the target customer, the current session with the core system is terminated.

[0017] Optionally, the method further includes:

[0018] Based on the session destruction command, the mobile banking saves the session information generated during the session establishment with the core system, and sends the session information to the core system so that the core system saves the received session information; wherein the session destruction command is sent by the core system to the mobile banking after the target customer completes the business handling; the session information at least includes the business principal and interest information and the environmental monitoring information;

[0019] The second aspect of the present invention discloses a remote-assisted business processing system, wherein the remote-assisted business processing includes a core system and mobile banking;

[0020] The mobile banking is used to send a session establishment message to the core system according to the business processing requirements when receiving the business processing requirements of the target customer; if the identity authentication of the target customer is passed according to the encrypted target identity information, a session is established with the core system; and the target customer is guided to perform corresponding business processing according to the prompt type and prompt information.

[0021] The session establishment message includes the basic information and service handling information of the target customer;

[0022] The core system is used to identify the target customer type of the target customer according to the basic information in the session establishment message, and if the target customer type belongs to a special type, send a target session establishment message to the mobile bank; in the case of establishing a session with the mobile bank, determine multiple target services according to the historical service handling records of the target user obtained from the basic information and the service handling information, and combine the target services to obtain a service handling combination; obtain the target customer feature information, and determine the target special type corresponding to the target customer from the special types according to the target customer feature information, and send the corresponding prompt type and prompt information to the mobile bank according to the special type and the target service handling combination;

[0023] Among them, the target session establishment message is generated using the encrypted target identity information and business handling information; the special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type.

[0024] Optionally, the core system is also used to:

[0025] When a session is established with the mobile bank, the session between the target customer and the mobile bank is monitored in real time, and corresponding session control is performed according to the monitoring information; wherein the session control is session termination, session continuation, or session copy.

[0026] Optionally, the mobile banking is also used for:

[0027] When a session is established with the core system, the current business processing environment of the target customer is monitored in real time to obtain environmental monitoring information; if it is determined that the current business processing environment of the target customer is abnormal based on the environmental monitoring information, the current session with the core system is terminated.

[0028] Optionally, the mobile banking is also used for:

[0029] Based on the session destruction command, the session information generated during the session establishment with the core system is saved, and the session information is sent to the core system so that the core system can save the received session information; wherein, the session destruction command is sent by the core system to the mobile banking after the target customer's business is completed; the session information at least includes the business principal and interest information and the environmental monitoring information.

[0030] The third aspect of the present invention discloses an electronic device, comprising: a processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; and the memory is used to store a program, wherein the program is used to implement the remote assisted business processing method disclosed in the first aspect of the present invention.

[0031] A fourth aspect of the present invention discloses a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions for executing the remote-assisted business processing method disclosed in the first aspect of the present invention.

[0032] The present invention provides a remote assisted business handling method, system, electronic device and storage medium. A mobile phone bank sends a session establishment message to a core system according to a business handling demand sent by a target user. The core system identifies the target customer type of the target customer according to basic information in the session establishment message. If the target customer type belongs to a special type, the target session establishment message is sent to the mobile phone bank. If the mobile phone bank performs identity authentication on the target customer according to the encrypted identity information in the target session establishment message, a session is established with the core system. When the core system establishes a session with the mobile phone bank, the core system obtains the historical business handling record of the target user according to the basic information, determines multiple target businesses according to the business handling information and the historical business handling record, and combines the target businesses to obtain a business handling combination. The core system obtains target customer feature information, determines the target special type corresponding to the target customer according to the target customer feature information, and sends the corresponding prompt type and prompt information to the mobile phone bank according to the target special type and the target business handling combination. The mobile phone bank guides the target customer to perform corresponding business handling according to the prompt type and prompt information, thereby realizing remote assistance for special type customers to handle corresponding businesses, reducing the difficulty of special type customers in the business handling process, and providing a convenient business handling method for special type customers. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0034] Figure 1 A flowchart of a remote assisted business handling method provided by an embodiment of the present invention;

[0035] Figure 2A schematic diagram of the structure of a remote assisted business processing system provided by an embodiment of the present invention;

[0036] Figure 3 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0037] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0038] The term "including" and its variations used herein are open inclusions, i.e., "including but not limited to". The term "based on" means "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". The relevant definitions of other terms will be given in the following description.

[0039] It should be noted that the concepts such as "first" and "second" mentioned in the disclosure of the present invention are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.

[0040] It should be noted that the modifications of "one" and "plurality" mentioned in the disclosure of the present invention are illustrative rather than restrictive, and those skilled in the art should understand that unless otherwise clearly indicated in the context, it should be understood as "one or more".

[0041] It should be noted that the remote assisted business handling method provided by the present invention can be used in the field of cloud computing technology or the financial field. The above is only an example and does not limit the application field of the remote assisted business handling provided by the present invention.

[0042] See also Figure 1 , shows a flow chart of a remote-assisted business handling method provided by an embodiment of the present invention, and the remote-assisted business handling method specifically includes the following steps:

[0043] S101: When the mobile banking receives a business request from a target customer, it sends a session establishment message to the core system according to the business request.

[0044] In the specific process of executing step S101, when the target customer has a business processing demand, he can call the corresponding specific number of the mobile banking. After the mobile banking is connected, the corresponding business processing demand can be input into the mobile banking. After receiving the business processing demand input by the target customer, the mobile banking can generate a corresponding session establishment message according to the business processing demand, and then send the generated session establishment message to the core system of the bank service end.

[0045] It should be noted that the business handling requirements include the basic information and business handling information of the target customer, and the corresponding session establishment message also includes the basic information and business handling information of the target customer. The basic information includes the basic information and identity information of the target customer.

[0046] It should be noted that after receiving the business processing requirements input by the target customer, the mobile banking can output the business processing information for the target customer to confirm. After the target customer confirms, the corresponding session establishment message is generated according to the business processing requirements, and then the generated session establishment message can be sent to the core system of the bank server.

[0047] S102: The core system identifies the target customer type of the target customer according to the basic information in the session establishment message, and determines whether the customer type belongs to a special type; if the target customer type belongs to a special type, execute step S103.

[0048] In the specific process of executing step S102, after receiving the session establishment message sent by the mobile banking, the core system can identify the customer type of the target customer based on the basic information in the session establishment message, and determine whether the customer type belongs to the pre-set target special type; if it belongs to the pre-set special type, execute step S103.

[0049] Among them, the special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type. It can be set according to actual application, and the embodiment of the present application is not limited thereto.

[0050] It should be noted that the core system can also obtain the historical business processing records of the target customers based on the basic information, and determine whether the target customers have gone through special business processing procedures based on the historical business processing records. If so, it can be determined that the customer type of the target customer belongs to the pre-set target special type.

[0051] It should also be noted that the special business processing procedures are special types of business processing procedures.

[0052] S103: The core system sends a target session establishment message to the mobile banking; wherein the target session establishment message is generated using the encrypted target identity information and business handling information.

[0053] In the specific process of executing step S103, when the core system determines that the customer type belongs to the target special type, it can obtain the target identity information of the target customer, encrypt the target identity information, and generate a corresponding target session establishment message based on the encrypted target identity information and business processing information, and then send the generated target session establishment message to the mobile banking.

[0054] S104: The mobile banking performs identity authentication on the target customer according to the encrypted target identity information; if the identity authentication on the target customer according to the encrypted target identity information is successful, execute step S105.

[0055] In the specific process of executing step S104, after receiving the target session establishment message sent by the core system, the encrypted target identity information can be decrypted to obtain the target identity information and compare the target identity information with the identity information in the session establishment message. If the target identity information is consistent with the identity information, it is determined that the identity authentication of the target customer is passed, and then step S105 can be executed.

[0056] If the target identity information is inconsistent with the identity information, it is determined that the identity authentication of the target customer fails, and the remote assistance business process of the target customer can be terminated.

[0057] S105: The mobile banking establishes a session with the core system.

[0058] In the specific process of executing step S105, when the mobile banking determines that the identity authentication of the target customer has passed, it can establish a session with the core system.

[0059] Furthermore, in an embodiment of the present application, when the mobile banking establishes a session with the core system, it can detect the current business processing environment of the target customer in real time, obtain environmental monitoring information, and determine whether there is any abnormality in the current business processing environment of the target customer based on the environmental monitoring information. If the environmental monitoring information determines that there is an abnormality in the current business processing environment of the target customer, the current session with the core system can be terminated, that is, the current remote-assisted business processing process of the target customer can be terminated.

[0060] It should be noted that if the environmental monitoring information indicates that there are other customers participating in the current business processing environment, or the target customer's operation time in the business processing window exceeds the preset operation time, or the target customer operates for the corresponding preset time in the adjacent operation interval of the business processing window, it can be determined that there is an abnormality in the current business processing environment of the target customer.

[0061] S106: When the core system establishes a session with the mobile banking, it determines multiple target businesses based on the historical business handling records and business handling information of the target user obtained from the basic information, and combines the target businesses to obtain a business handling combination.

[0062] During the specific execution of step S106, when the core system establishes a session with the mobile banking, it can obtain the historical business processing records of the target user based on the basic information of the target customer, and filter out at least one target business corresponding to the business processing information from the historical business processing records, and combine the target businesses to obtain a business processing combination.

[0063] Among them, at least one target business includes a business that the target customer wants to handle and other businesses related to the business. For example, the business that the target customer wants to handle may be a withdrawal business, and other businesses related to the business may be balance inquiry, etc. It can be determined according to actual applications, and the embodiments of the present application are not limited.

[0064] Furthermore, in an embodiment of the present application, the basic information of the target customer may be split, and the split basic information may be associated according to the order of filling out the business.

[0065] Furthermore, in an embodiment of the present application, when the core system establishes a session with the mobile banking, it monitors the session between the target customer and the mobile banking in real time, and performs corresponding session control based on the monitoring information; wherein the session control is session termination, session continuation, or session copy.

[0066] S107: The core system obtains target customer feature information, and determines the target special type corresponding to the target user from the special types based on the feature information, and sends the corresponding prompt type and prompt information to the mobile banking based on the special type and target business processing combination.

[0067] In the process of executing step S107, after determining the corresponding business processing combination, the core system can further obtain the target customer feature information of the target customers collected by the mobile banking, and then determine the target special type of the target customer from the special types pre-set in the pre-set feature library according to the target customer feature information, so as to send the corresponding prompt type and prompt information to the mobile banking according to the special type and the target business processing combination.

[0068] The prompt information includes main prompt items related to the business information.

[0069] S108: The mobile banking guides the target customer to carry out corresponding business processing according to the prompt type and prompt information.

[0070] In the specific process of executing step S108, after receiving the prompt type and prompt information sent by the core system, the mobile banking can output the prompt information according to the output method corresponding to the target special type indicated in the prompt type, so as to guide the target customer to enter the corresponding target business information according to each main prompt item in the prompt information, and then perform the corresponding business processing according to the input target business information.

[0071] Furthermore, in an embodiment of the present application, after the target customer's business is completed, the core system sends a session destruction command to the mobile banking; based on the session destruction command, the mobile banking saves the session information generated during the session establishment with the core system, and sends the session information to the core system; wherein the session information includes at least business principal and interest information and environmental monitoring information; the core system saves the received session information.

[0072] It should be noted that the session information also includes the target customer's completion information at the initial stage of business handling and the access information of the mobile banking.

[0073] The present invention provides a remote assisted business handling method, wherein a mobile phone bank sends a session establishment message to a core system according to a business handling demand sent by a target user; the core system identifies a target customer type of a target customer according to basic information in the session establishment message, and if the target customer type belongs to a special type, sends a target session establishment message to the mobile phone bank; if the mobile phone bank performs identity authentication on the target customer according to the encrypted identity information in the target session establishment message, a session is established with the core system; when the core system establishes a session with the mobile phone bank, the core system obtains the historical business handling record of the target user according to the basic information, determines a plurality of target businesses according to the business handling information and the historical business handling record, and combines the target businesses to obtain a business handling combination; the core system obtains target customer feature information, determines a target special type corresponding to the target customer according to the target customer feature information, and sends a corresponding prompt type and prompt information to the mobile phone bank according to the target special type and the target business handling combination; the mobile phone bank guides the target customer to perform corresponding business handling according to the prompt type and prompt information, thereby realizing remote assistance for special type customers to handle corresponding businesses, reducing the difficulty of special type customers in the business handling process, and providing a convenient business handling method for special type customers.

[0074] Based on the remote assisted business handling method provided by the above embodiment of the present invention, the present invention also provides a remote assisted business handling system, such as Figure 2 As shown, the remote assistance business includes:

[0075] Mobile banking is used to send a session establishment message to the core system based on the business processing requirements when receiving business processing requirements from target customers; if the target customer is authenticated based on the encrypted target identity information, a session is established with the core system; and the target customer is guided to perform corresponding business processing based on the prompt type and prompt information.

[0076] The session establishment message includes the target customer's basic information and business handling information;

[0077] The core system is used to identify the target customer type of the target customer based on the basic information in the session establishment message, and if the target customer type belongs to a special type, send the target session establishment message to the mobile bank; in the case of establishing a session with the mobile bank, determine multiple target businesses based on the historical business handling records and business handling information of the target user obtained from the basic information, and combine the various target businesses to obtain a business handling combination; obtain the target customer feature information, and determine the target special type corresponding to the target customer from the special type based on the target customer feature information, and send the corresponding prompt type and prompt information to the mobile bank based on the special type and the target business handling combination;

[0078] Among them, the target session establishment message is generated using the encrypted target identity information and business handling information; special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type.

[0079] The specific principles and execution processes of each unit in the remote assistance business processing system disclosed in the above embodiment of the present invention are similar to those of the above embodiment of the present invention. Figure 1 The disclosed remote assistance business handling method is the same, and can be referred to the above embodiment of the present invention. Figure 1 The corresponding parts of the public remote-assisted business handling method will not be repeated here.

[0080] The present invention provides a remote assisted business processing system, wherein a mobile phone bank sends a session establishment message to a core system according to a business processing demand sent by a target user; the core system identifies a target customer type of a target customer according to basic information in the session establishment message, and if the target customer type belongs to a special type, sends a target session establishment message to the mobile phone bank; if the mobile phone bank performs identity authentication on the target customer according to the encrypted identity information in the target session establishment message, a session is established with the core system; when the core system establishes a session with the mobile phone bank, the core system obtains the historical business processing record of the target user according to the basic information, determines a plurality of target businesses according to the business processing information and the historical business processing record, and combines the target businesses to obtain a business processing combination; the core system obtains target customer feature information, determines a target special type corresponding to the target customer according to the target customer feature information, and sends a corresponding prompt type and prompt information to the mobile phone bank according to the target special type and the target business processing combination; the mobile phone bank guides the target customer to perform corresponding business processing according to the prompt type and prompt information, thereby realizing remote assistance for special type customers to handle corresponding businesses, reducing the difficulty of special type customers in the business processing process, and providing a convenient business processing method for special type customers.

[0081] Optionally, the core system is also used to:

[0082] When a session is established with the mobile banking, the session between the target customer and the mobile banking is monitored in real time, and corresponding session control is performed according to the monitoring information; wherein the session control is session termination, or session continuation, or session copy.

[0083] Optionally, Mobile Banking is also used to:

[0084] When a session is established with the core system, the current business processing environment of the target customer is monitored in real time to obtain environmental monitoring information; if it is determined based on the environmental monitoring information that there is an abnormality in the current business processing environment of the target customer, the current session with the core system is terminated.

[0085] Optionally, Mobile Banking is also used to:

[0086] Based on the session destruction command, the session information generated during the session establishment with the core system is saved, and the session information is sent to the core system so that the core system can save the received session information; wherein, the session destruction command is sent by the core system to the mobile banking after the target customer's business is completed; the session information at least includes business principal and interest information and environmental monitoring information.

[0087] An embodiment of the present application also provides an electronic device, which includes: a processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; and the memory is used to store a program, which is used to implement a remote assisted business processing method.

[0088] Reference below Figure 3 , which shows a schematic diagram of the structure of an electronic device suitable for implementing the disclosed embodiment of the present invention. The electronic device in the disclosed embodiment of the present invention may include, but is not limited to, mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 3 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments disclosed in the present invention.

[0089] like Figure 3 As shown, the electronic device may include a processing device (e.g., a central processing unit, a graphics processor, etc.) 301, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 302 or a program loaded from a storage device 308 into a random access memory (RAM) 303. In RAM 303, various programs and data required for the operation of the electronic device are also stored. The processing device 301, ROM 302, and RAM 303 are connected to each other via a bus 304. An input / output (I / O) interface 305 is also connected to the bus 304.

[0090] Typically, the following devices may be connected to the I / O interface 305: input devices 306 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; output devices 307 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 308 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 309. The communication devices 309 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. Although Figure 3 An electronic device having various devices is shown, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.

[0091] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program contains program code for executing the remote assisted business processing method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication device 309, or installed from the storage device 308, or installed from the ROM 302. When the computer program is executed by the processing device 301, the above-mentioned functions defined in the remote assisted business processing method of the embodiment disclosed in the present invention are executed.

[0092] Furthermore, an embodiment of the present invention also provides a computer-readable storage medium, in which computer-executable instructions are stored, and the computer-executable instructions are used to execute a remote-assisted business processing method.

[0093] The computer-readable medium carries one or more programs. When the one or more programs are executed by the electronic device, the electronic device: when the mobile banking receives a business handling demand from a target customer, it sends a session establishment message to the core system according to the business handling demand; wherein the session establishment message includes the basic information and business handling information of the target customer; the core system identifies the target customer type of the target customer according to the basic information in the session establishment message, and if the target customer type belongs to a special type, sends a target session establishment message to the mobile banking; wherein the target session establishment message is generated using encrypted target identity information and business handling information; the special types include eye disease types, hand disease types, movement difficulty types, and speech difficulty types; the If the mobile banking authenticates the target customer based on the encrypted target identity information, a session is established with the core system; when the core system establishes a session with the mobile banking, it determines multiple target businesses based on the historical business processing records of the target user obtained from the basic information and the business processing information, and combines the target businesses to obtain a business processing combination; the core system obtains the target customer feature information, and determines the target special type corresponding to the target customer from the special types based on the target customer feature information, and sends the corresponding prompt type and prompt information to the mobile banking based on the special type and the target business processing combination; the mobile banking guides the target customer to perform corresponding business processing based on the prompt type and prompt information.

[0094] In the context disclosed by the present invention, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0095] It should be noted that the computer-readable medium disclosed in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer readable signal medium may also be any computer readable medium other than a computer readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (radio frequency), etc., or any suitable combination of the above.

[0096] The computer-readable medium may be included in the electronic device, or may exist independently without being incorporated into the electronic device.

[0097] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, in which the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative labor.

[0098] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0099] The above description of the disclosed embodiments enables one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

[0100] The above are only preferred embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A remote assisted business handling method, characterized in that: The method comprises: When the mobile banking receives the business handling requirements of the target customer, it sends a session establishment message to the core system according to the business handling requirements; wherein the session establishment message includes the basic information and business handling information of the target customer; The core system identifies the target customer type of the target customer according to the basic information in the session establishment message, and if the target customer type belongs to a special type, sends the target session establishment message to the mobile bank; wherein the target session establishment message is generated using the encrypted target identity information and business handling information; the special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type; If the mobile banking performs identity authentication on the target customer according to the encrypted target identity information, a session is established with the core system; When the core system establishes a session with the mobile banking, the core system determines a plurality of target businesses based on the historical business handling records of the target customer obtained from the basic information and the business handling information, and combines the target businesses to obtain a business handling combination; The core system obtains the target customer feature information, and determines the target special type corresponding to the target customer from the special types according to the target customer feature information, and sends the corresponding prompt type and prompt information to the mobile banking according to the special type and the target business handling combination; The mobile banking guides the target customer to perform corresponding business according to the prompt type and prompt information.

2. The method according to claim 1, characterized in that The method further comprises: When the core system establishes a session with the mobile bank, it monitors the session between the target customer and the mobile bank in real time and performs corresponding session control according to the monitoring information; wherein the session control is session termination, session continuation or session copy.

3. The method according to claim 1, characterized in that The method further comprises: When the mobile banking establishes a session with the core system, the mobile banking monitors the current business handling environment of the target customer in real time to obtain environment monitoring information; If the mobile banking determines, based on the environmental monitoring information, that there is an abnormality in the current business handling environment of the target customer, the current session with the core system is terminated.

4. The method according to claim 3, characterized in that: The method further comprises: Based on the session destruction command, the mobile banking saves the session information generated during the session establishment with the core system, and sends the session information to the core system so that the core system can save the received session information; wherein, the session destruction command is sent by the core system to the mobile banking after the business handling of the target customer is completed; the session information at least includes the business principal and interest information and the environmental monitoring information.

5. A remote assisted business handling system, characterized in that: The remotely assisted business handling includes core systems and mobile banking; The mobile banking is used to send a session establishment message to the core system according to the business handling requirements when receiving the business handling requirements of the target customer; if the identity authentication of the target customer is passed according to the encrypted target identity information, a session is established with the core system; and the target customer is guided to perform corresponding business handling according to the prompt type and prompt information; The session establishment message includes the basic information and service handling information of the target customer; The core system is used to identify the target customer type of the target customer according to the basic information in the session establishment message, and if the target customer type belongs to a special type, send a target session establishment message to the mobile bank; in the case of establishing a session with the mobile bank, determine multiple target businesses according to the historical business handling records of the target customer obtained from the basic information and the business handling information, and combine the target businesses to obtain a business handling combination; obtain the target customer feature information, and determine the target special type corresponding to the target customer from the special types according to the target customer feature information, and send the corresponding prompt type and prompt information to the mobile bank according to the special type and the target business handling combination; Among them, the target session establishment message is generated using the encrypted target identity information and business handling information; the special types include eye disease type, hand disease type, movement difficulty type, and speech difficulty type.

6. The system according to claim 5, characterized in that The core system is also used to: When a session is established with the mobile bank, the session between the target customer and the mobile bank is monitored in real time, and corresponding session control is performed according to the monitoring information; wherein the session control is session termination, session continuation, or session copy.

7. The system according to claim 5, characterized in that The mobile banking is also used for: When a session is established with the core system, the current business processing environment of the target customer is monitored in real time to obtain environmental monitoring information; if it is determined that the current business processing environment of the target customer is abnormal based on the environmental monitoring information, the current session with the core system is terminated.

8. The system according to claim 7, characterized in that The mobile banking is also used for: Based on the session destruction command, the session information generated during the session establishment with the core system is saved, and the session information is sent to the core system so that the core system can save the received session information; wherein, the session destruction command is sent by the core system to the mobile banking after the target customer's business is completed; the session information at least includes the business principal and interest information and the environmental monitoring information.

9. An electronic device, characterized in that: include: A processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; The memory is used to store a program, and the program is used to implement the remote assisted business processing method according to any one of claims 1 to 4.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to execute the remote-assisted business processing method according to any one of claims 1 to 4.

Images