A service processing method and device, electronic equipment and storage medium

Abstract

The application discloses a business processing method and device, electronic equipment and storage medium, and belongs to the technical field of data analysis. The method comprises the following steps: receiving a referral order sent by a business initiator, the referral order containing a customer identifier and business demand information; extracting features of the business demand information and customer description information corresponding to the queried customer identifier to obtain customer features; selecting service features matched with the customer features from pre-stored service features of each business handling end; sending business handling end information corresponding to the service features to the business initiator; selecting by the business initiator; and then sending the referral order to the business handling end selected by the business initiator for processing. In this way, the customer and the business handling end are preliminarily matched based on the customer features of the customer and the service features of the business handling end, and then the secondary matching is performed by the business initiator. The matching degree of the customer and the business handling end is high, and therefore the success rate of the referral business can be improved.

Description

Technical Field

[0001] This application relates to the field of data analysis technology, and in particular to a business processing method, apparatus, electronic device and storage medium. Background Technology

[0002] Currently, referrals are common in many business sectors. In a referral scenario, there is typically a business initiator and a business processing end. A referral refers to the business initiator referring a customer to the business processing end.

[0003] Taking banking as an example, in banking, the initiator of a transaction could be account manager A, and the recipient could be account manager B. When account manager A's clients have other business needs, and the account manager is not familiar with those specific areas, they can refer the client to account manager B, who is more familiar with those areas. However, in related technologies, the entire referral process is conducted offline. Account manager A can only rely on their personal network to introduce other account managers to the client, which may result in other account managers being unsuitable for the client, leading to failed referrals and a low success rate. Summary of the Invention

[0004] This application provides a business processing method, apparatus, electronic device, and storage medium to solve the problem of low success rate of referral business in related technologies.

[0005] In a first aspect, embodiments of this application provide a business processing method, including:

[0006] Receive referral orders sent by the business initiator, wherein the referral orders contain customer identification and business requirement information;

[0007] The customer features are obtained by extracting features from the business requirement information and the customer description information corresponding to the queried customer identifier;

[0008] Select the service feature that matches the customer feature from the pre-stored service features of each service acceptance terminal;

[0009] The information of the service acceptance terminal corresponding to the selected service feature is sent to the service initiating terminal, and the service initiating terminal selects the service acceptance terminal.

[0010] The referral order is sent to the business processing terminal selected by the business initiator for processing.

[0011] In some embodiments, after sending the referral order to the service receiving terminal selected by the service initiator for processing, the method further includes:

[0012] If an order status update request is received from the business processing terminal, the referral order will be updated to the order status requested in the update request.

[0013] In some embodiments, it also includes:

[0014] If it is determined that the referral order is in the completed state, then query the business orders that match the referral order;

[0015] Based on the order data of the business orders, business reward information is generated for the business initiator and the business acceptor, respectively.

[0016] The business reward information from the business initiating end is sent to the business initiating end, and the business reward information from the business receiving end is sent to the business receiving end.

[0017] In some embodiments, before receiving a referral order sent by the initiator, the method further includes:

[0018] Receive a customer authentication request sent by the service initiator, wherein the customer authentication request includes the customer identifier;

[0019] Customer authentication is performed based on the customer identifier;

[0020] After successful authentication, the business initiator is instructed to display the referral order creation page to trigger the business initiator to create the referral order.

[0021] In some embodiments, it also includes:

[0022] If it is determined that the business acceptance terminal has not received the referral order within the preset time period, or if the business initiating terminal does not select any business acceptance terminal, then the referral order will be added to the referral order pool.

[0023] If any business acceptance terminal receives an order claim request for the referral order pool, then select a referral order from the referral order pool that matches the business acceptance terminal;

[0024] The selected referral order is sent to the business processing terminal for processing.

[0025] Secondly, embodiments of this application provide a business processing method, including:

[0026] A referral order is sent to the server. The referral order contains customer identification and business requirement information. The server performs feature extraction on the business requirement information and the customer description information corresponding to the queried customer identification to obtain customer features. Then, it selects the service features that match the customer features from the service features of each pre-stored business acceptance terminal.

[0027] Display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server;

[0028] In response to a service acceptance terminal selection operation triggered based on the service acceptance terminal information, a service acceptance terminal is selected;

[0029] The server sends the identifier of the selected service terminal to the server, which then sends the referral order to the service terminal corresponding to the identifier for processing.

[0030] In some embodiments, before sending a referral order to the server, the method further includes:

[0031] A customer authentication request is sent to the server, the customer authentication request containing the customer identifier, and the server performs customer authentication based on the customer identifier;

[0032] The referral order creation page is displayed, which is instructed by the server to be displayed by the business initiator after successful authentication.

[0033] In response to the order generation operation on the creation page, the referral order is generated.

[0034] Thirdly, embodiments of this application provide a business processing apparatus, including:

[0035] The receiving module is used to receive referral orders sent by the business initiator, wherein the referral order contains customer identification and business requirement information;

[0036] The extraction module is used to extract features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features;

[0037] The selection module is used to select service features that match the customer features from the service features of each pre-stored service acceptance terminal.

[0038] The first sending module is used to send the service acceptance terminal information corresponding to the selected service feature to the service initiating terminal, so that the service initiating terminal can select the service acceptance terminal.

[0039] The second sending module is used to send the referral order to the business acceptance terminal selected by the business initiator for processing.

[0040] In some embodiments, it also includes:

[0041] The update module is used to update the referral order to the order status requested by the update request if it receives an order status update request from the business acceptance terminal after the referral order has been sent to the business acceptance terminal selected by the business initiator for processing.

[0042] In some embodiments, it also includes:

[0043] The measurement module is used to query business orders that match the referral order if the order status of the referral order is determined to be in the completed state; generate business reward information for the business initiator and the business acceptor based on the order data of the business order; and send the business reward information of the business initiator to the business initiator and the business reward information of the business acceptor to the business acceptor.

[0044] In some embodiments, it also includes:

[0045] The authentication module is used to receive a customer authentication request sent by the business initiator before receiving a referral order sent by the initiator. The customer authentication request includes the customer identifier. Based on the customer identifier, customer authentication is performed. After successful authentication, the module instructs the business initiator to display a referral order creation page to trigger the business initiator to create the referral order.

[0046] In some embodiments, it also includes:

[0047] The recommendation module is used to add the referral order to the referral order pool if the business acceptance terminal does not claim the referral order within a preset time period, or if the business initiator does not select any business acceptance terminal; if it receives an order claim request from any business acceptance terminal to the referral order pool, it selects a referral order from the referral order pool that matches the business acceptance terminal; and sends the selected referral order to the business acceptance terminal for processing.

[0048] Fourthly, embodiments of this application provide a business processing apparatus, including:

[0049] The first sending module is used to send a referral order to the server. The referral order contains a customer identifier and business requirement information. The server performs feature extraction on the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. Then, it selects a service feature that matches the customer features from the service features of each pre-stored business acceptance terminal.

[0050] The display module is used to display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server;

[0051] The selection module is used to select a service acceptance terminal in response to a service acceptance terminal selection operation triggered based on the service acceptance terminal information.

[0052] The second sending module is used to send the identifier of the selected business acceptance terminal to the server, and the server sends the referral order to the business acceptance terminal corresponding to the identifier for processing.

[0053] In some embodiments, it also includes:

[0054] The authentication module is used to send a customer authentication request to the server before sending a referral order to the server. The customer authentication request contains the customer identifier, and the server performs customer authentication based on the customer identifier. The module also displays a referral order creation page, which is displayed by the business initiator after the server confirms successful authentication. In response to the order generation operation on the creation page, the module generates the referral order.

[0055] Fifthly, embodiments of this application provide a business processing system, including:

[0056] The server is configured to receive referral orders from a business initiator, the referral orders containing customer identifiers and business requirements; extract features from the business requirements and the customer description information corresponding to the queried customer identifier to obtain customer features; select service features matching the customer features from pre-stored service features of various business acceptance terminals; send the business acceptance terminal information corresponding to the selected service features to the business initiator; receive acceptance terminal identifiers from the business initiator; and send the referral order to the business acceptance terminal corresponding to the acceptance terminal identifier for processing.

[0057] The service initiating end is used to display service acceptance end information corresponding to the service characteristics that match the customer characteristics sent by the server; in response to a service acceptance end selection operation triggered based on the service acceptance end information, it selects a service acceptance end; and sends the acceptance end identifier of the selected service acceptance end to the server.

[0058] Sixthly, embodiments of this application provide an electronic device, including: at least one processor, and a memory communicatively connected to the at least one processor, wherein:

[0059] The memory stores instructions that can be executed by at least one processor to enable the at least one processor to perform any of the above-described business processing methods.

[0060] Seventhly, embodiments of this application provide a storage medium in which, when the instructions in the storage medium are executed by a processor of an electronic device, the electronic device is able to execute any of the above-described business processing methods.

[0061] Eighthly, embodiments of this application provide a computer program product that, when invoked and executed by an electronic device, causes the electronic device to perform any of the aforementioned business processing methods.

[0062] In this embodiment, a referral order sent by the service initiator is received. The referral order contains a customer identifier and service requirement information. Feature extraction is performed on the service requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. Service features matching the customer features are selected from pre-stored service features of various service acceptance terminals. Then, the service acceptance terminal information corresponding to the selected service features is sent to the service initiator, who selects a service acceptance terminal and sends the referral order to the selected service acceptance terminal for processing. In this way, the referral process is conducted online. An initial matching of the customer and the service acceptance terminal is performed based on the customer's features and the service features of the service acceptance terminal. A secondary matching is then performed by the service initiator, resulting in a higher degree of matching between the customer and the service acceptance terminal, thus improving the success rate of referral services. Attached Figure Description

[0063] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0064] Figure 1 This is a schematic diagram illustrating an application scenario of a business processing method provided in an embodiment of this application;

[0065] Figure 2 An interactive flowchart of a business processing method provided in an embodiment of this application;

[0066] Figure 3 A flowchart of a business processing method provided in an embodiment of this application;

[0067] Figure 4 A flowchart illustrating yet another business processing method provided in this application embodiment;

[0068] Figure 5 This is a schematic diagram of the structure of a service processing device provided in an embodiment of this application;

[0069] Figure 6 This is a schematic diagram of the structure of a business processing device provided in an embodiment of this application;

[0070] Figure 7 This is a schematic diagram of the hardware structure of an electronic device for implementing a business processing method, provided as an embodiment of this application. Detailed Implementation

[0071] To address the issue of low success rates in referral services in related technologies, embodiments of this application provide a service processing method, apparatus, electronic device, and storage medium.

[0072] The preferred embodiments of this application are described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustration and explanation only and are not intended to limit this application. Unless otherwise specified, the embodiments and features described herein can be combined with each other. Furthermore, the acquisition, storage, use, and processing of data in the embodiments of this application comply with the relevant provisions of national laws and regulations.

[0073] For ease of understanding, the technical terms used in this application are as follows:

[0074] Word2vec is a natural speech processing tool that can convert words into vectors, allowing for quantitative measurement of the relationships between words and uncovering connections between them.

[0075] Standard Operating Procedures (SOPs) are standard operating procedures and requirements for a particular event described in a standardized format, used to guide and regulate daily work.

[0076] A referral order is an order generated when a customer is referred. The order typically includes the customer's identifier and their business needs. To better facilitate customer referrals, the order may also include a pre-arranged meeting date, time, and location.

[0077] Figure 1 An application scenario diagram of a business processing method provided in this application embodiment includes a business initiator, a server, and a business acceptor, wherein:

[0078] The business initiation end can be a mobile phone, computer, iPad or other terminal, on which a business client can be installed. Through the business client, a referral order can be created and sent to the server. The referral order can include customer identification and business requirement information.

[0079] Upon receiving a referral order from any business initiator, the server can query the corresponding customer description information, such as the customer's financial product holdings and credit card opening status, based on the customer identifier in the referral order. It then performs feature analysis on the queried customer description information and the business demand information in the referral order to obtain customer characteristics. These customer characteristics are then matched with the pre-stored service characteristics of each business acceptance terminal to determine at least one service characteristic that matches the customer characteristics. Finally, the server sends the information of each business acceptance terminal corresponding to this at least one service characteristic to the business initiator. This information may include the business area of ​​expertise and years of experience of the respective business acceptance terminal.

[0080] After receiving the information from each service acceptance terminal sent by the server, the service initiator can select one service acceptance terminal based on the information and send the acceptance identifier of this service acceptance terminal to the server.

[0081] After receiving the acceptance identifier from any business acceptance terminal, the server will send the referral order to the business acceptance terminal corresponding to the acceptance identifier.

[0082] The business acceptance terminal can be a mobile phone, computer, iPad, or other terminal, and a business client can also be installed on it. Through the business client, referral orders can be received and processed.

[0083] The above process will be described below with reference to a specific flowchart.

[0084] Figure 2 An interactive flowchart of a business processing method provided in this application embodiment includes the following steps:

[0085] In step 201, the service initiator sends a customer authentication request to the server, which includes a customer identifier.

[0086] In step 202, the server performs customer authentication based on the customer identifier.

[0087] For example, the server checks whether there is corresponding customer description information based on the customer identifier. If so, the authentication is considered successful; otherwise, the authentication is considered to have failed.

[0088] In step 203, after confirming successful authentication, the server instructs the business initiator to display the referral order creation page.

[0089] In step 204, the business initiator displays the referral order creation page.

[0090] In step 205, the business initiator responds to the order generation operation on the creation page by generating a referral order, which contains customer identification and business requirement information.

[0091] In step 206, the business initiator sends a referral order to the server.

[0092] In step 207, the server extracts features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features.

[0093] For example, business requirement information and customer description information are concatenated, the concatenated unstructured information is segmented into words, and then the unstructured data is vectorized using the Word2vec method to obtain customer features m.

[0094] In step 208, the server selects a service feature that matches the customer's features from the pre-stored service features of each service acceptance terminal.

[0095] Suppose the service feature of a certain service terminal is n, then the server can calculate the similarity between service feature n and customer feature m, such as using cosine similarity to calculate sim(m,n):

[0096]

[0097] Then, the similarity scores can be ranked from highest to lowest, and the top-ranked service features can be selected as the service features that match the customer's features.

[0098] In step 209, the server sends the service acceptance terminal information corresponding to the selected service feature to the service initiator.

[0099] This includes information about the service acceptance terminal, such as their areas of expertise, years of experience, personal certifications, and qualifications. The service initiator can use this information to understand the service offered by each acceptance terminal, making it easier for them to choose the right one.

[0100] In step 210, the service initiator displays the service acceptance information.

[0101] In step 211, the service initiator responds to the service acceptance terminal selection operation triggered by the service acceptance terminal information and selects a service acceptance terminal.

[0102] In step 212, the service initiator sends the acceptor identifier of the selected service acceptor to the server.

[0103] In step 213, the server sends the referral order to the business acceptance terminal corresponding to the acceptance terminal identifier.

[0104] In step 214, the business processing terminal processes referral orders.

[0105] Figure 3A flowchart of a business processing method provided in this application embodiment, which can be applied to Figure 1 The method includes the following steps in the server.

[0106] In step 301, a customer authentication request sent by the service initiator is received, and the customer authentication request contains a customer identifier.

[0107] In step 302, customer authentication is performed based on the customer identifier.

[0108] In step 303, after successful authentication, the business initiator is instructed to display the referral order creation page to trigger the business initiator to create a referral order.

[0109] In step 304, a referral order sent by the business initiator is received. The referral order contains customer identification and business requirement information.

[0110] In step 305, feature extraction is performed on the business demand information and the customer description information corresponding to the queried customer identifier to obtain customer features.

[0111] In step 306, a service feature matching the customer's characteristics is selected from the pre-stored service features of each service acceptance terminal.

[0112] In step 307, the service acceptance terminal information corresponding to the selected service feature is sent to the service initiator, and the service initiator selects the service acceptance terminal.

[0113] In step 308, the referral order is sent to the business acceptance terminal selected by the business initiator for processing.

[0114] In step 309, if an order status update request is received from the business acceptance terminal, the referral order will be updated to the order status requested in the update request.

[0115] The order status includes items such as pending collection, collected but not yet met, met, and completed.

[0116] In this way, the business processing end can update the status of referral orders to the server in a timely manner, making it easier for the referrer to understand the order progress and manage the orders.

[0117] In step 310, if it is determined that the referral order is in the completed state, then query the business orders that match the referral order.

[0118] Among them, business orders that match referral orders include business orders generated by customers in the referral orders within a recent period (e.g., one month).

[0119] In step 311, business reward information is generated for the business initiator and the business acceptor based on the order data of the business order.

[0120] Business rewards are typically presented in the form of electronic currency.

[0121] In step 312, the business reward information from the business initiator is sent to the business initiator, and the business reward information from the business acceptor is sent to the business acceptor.

[0122] Additionally, after sending a referral order to the service provider selected by the service initiator, if the service provider does not claim the referral order within a preset time period, the referral order can be added to the referral order pool. Alternatively, after sending the service provider information corresponding to the selected service feature to the service initiator, if the service initiator does not select any service provider and directly chooses to add the referral order to the referral order pool, the referral order can also be added to the referral order pool. In this way, the referral order pool will contain referral orders with various business needs.

[0123] Subsequently, if any service provider receives an order request from the referral order pool, it can select a matching referral order from the pool and send it to that service provider for processing. This intelligently distributes referral orders from the pool to suitable service providers, further improving the success rate of referral orders.

[0124] Figure 4 A flowchart illustrating another business processing method provided in this application embodiment, which can be applied to... Figure 1 In the business acceptance terminal, the method includes the following steps.

[0125] In step 401, a customer authentication request is sent to the server. The customer authentication request contains a customer identifier, and the server performs customer authentication based on the customer identifier.

[0126] In step 402, the referral order creation page is displayed. The creation page is displayed by the server after successful authentication.

[0127] In step 403, in response to the order generation operation on the creation page, a referral order is generated.

[0128] In step 404, a referral order is sent to the server. The referral order contains customer identification and business requirement information. The server extracts features from the business requirement information and the customer description information corresponding to the queried customer identification to obtain customer features. Then, it selects the service features that match the customer features from the service features of each pre-stored business acceptance terminal.

[0129] In step 405, the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server is displayed.

[0130] In step 406, in response to the service acceptance terminal selection operation triggered based on the service acceptance terminal information, a service acceptance terminal is selected.

[0131] In step 407, the identifier of the selected business acceptance terminal is sent to the server, and the server sends the referral order to the business acceptance terminal corresponding to the identifier for processing.

[0132] The following uses banking business as an example to introduce the business processing method provided in the embodiments of this application.

[0133] In banking, the user initiating a transaction can be a client manager, who acts as a referrer in a referral scenario. The user processing the transaction can be another client manager, who acts as the transaction handler in the same referral scenario. A referral is the process by which a referrer introduces a customer to the transaction handler.

[0134] This application provides a complete online-offline integrated referral business process, which can effectively expand marketing scenarios, make full use of offline outlet resources, effectively improve referral efficiency, and enhance customer experience. The business process generally includes the following steps:

[0135] Step 1: Customer authentication.

[0136] The referrer enters a customer identifier on the business initiator's end. Based on the customer identifier, the system queries the server to see if the customer description information exists. If the customer does not exist, a message will be displayed indicating that no customer information exists. If the customer does exist, the business initiator can display the referral order creation page.

[0137] The customer description information may include customer inherent attribute information, customer profile information, and customer behavior information. Customer inherent attribute information may include gender, customer profile information may include the customer's risk assessment level, and customer behavior information may include whether the customer currently holds a credit card from the relevant bank.

[0138] Step 2: Create a referral order.

[0139] On the creation page, the referrer selects the business type, enters the customer's detailed business needs, selects the date and time of offline communication and the order validity period, and generates a referral order based on this information.

[0140] It should be noted that the referrer must contact the customer in advance before creating a referral order to inform them of the referral process, and can only create a referral order after obtaining the customer's consent.

[0141] The third step is to select the k account managers who are the best fit for the client for the referrer. k can be set by the referrer.

[0142] i. Based on customer description information and business needs information of customers in referral orders, the server extracts customer features. First, it segments the unstructured information into words, and then uses the Word2vec method to vectorize the unstructured data to obtain the customer feature representation m.

[0143] ii. The server pre-generates the feature representation n of each account manager based on their historical customer information, personal information (such as personal certificates, qualifications and areas of expertise), and personal preference information customized by the account manager in the system, using a method similar to the one described above.

[0144] iii. The server sorts and selects k customer managers by calculating the similarity between the customer's feature representation and the feature representation of each customer manager.

[0145] For example, using cosine similarity to calculate similarity, i.e.

[0146] Then, the data can be sorted from highest to lowest similarity, and the top k most similar account managers can be displayed to the recommender.

[0147] Step 4: Select an account manager for referral orders.

[0148] The referrer can view detailed information on k account managers through the service initiation portal. Based on this information, the referrer can select one or more account managers from these k managers to initiate a referral request. These account managers can then view and claim the referral order through their referral list on the service acceptance portal. When there are multiple account managers, once one account manager claims a referral order, other account managers cannot claim the same referral order; that is, the referral to other account managers becomes invalid.

[0149] Additionally, if a referral order is not claimed by the account manager within a preset timeframe, such as 30 minutes, it can be added to the referral order pool. Alternatively, the referrer can choose not to select an account manager and directly add the referral order to the pool. The referral order pool contains a vast number of referral orders recommended by various referrers, providing account managers with different types and needs for referral services. These needs can be filtered by marketing type, amount, and customer tags to meet overall marketing requirements.

[0150] Step 5: The account manager receives the referral order.

[0151] Account managers can view referral orders from other account managers in their referral list, choose to claim individual or batch referral orders, or independently claim referral orders that are a good match for them from the referral order pool.

[0152] In addition, if a client manager fails to complete a face-to-face meeting within the validity period after receiving a referral order, the referral order can be returned to the referral order pool and the referrer can be notified. The validity period can be set by the referrer when creating the referral order.

[0153] Step 6: Meet with the SOP supervisor in person.

[0154] After the server creates the referral process online, it can send SMS notifications to customers regarding in-person meeting information and send them an invitation code. After the in-person meeting, the account manager can update the status of the referral order in a timely manner through the business processing terminal, such as pending collection, collected but not yet met, met, or completed. To complete the process, the customer's invitation code must be entered.

[0155] During the in-person meeting, both parties can keep track of the latest progress in real time and keep up with the meeting status and transaction details.

[0156] In addition, by calculating the distance between the customer's pre-stored address and the location of each branch, multiple branches with a distance of less than a certain threshold can be recommended to the account manager, which can make full use of offline branch resources.

[0157] Step 7: Performance evaluation.

[0158] By integrating referral business with performance measurement business, the performance of both the referrer and the person handling the business can be recognized.

[0159] i. The server filters out referral orders that are in the completed status each day;

[0160] ii. The server tracks whether the customer in each referral order generates transaction information for various financial products such as fixed deposits, wealth management, funds, insurance, and precious metals within 30 days in the performance system. If it does, the referral order is considered successful; if it does not, the referral order is considered unsuccessful.

[0161] iii. For successful referral orders, the server can supplement performance data based on the transaction information of the matching financial products, and can calculate the performance information of the referrer and the account manager respectively. The referrer's performance information is sent to the business initiator, and the account manager's performance information is sent to the business processing end.

[0162] In this embodiment, for customers awaiting referrals, the system can intelligently match referral managers with suitable customers based on customer and account manager characteristics, improving customer-manager fit. Unsuccessful referral orders can be added to a referral order pool, providing account managers with a large number of referral orders. The system can also intelligently recommend highly matched referral orders from this pool, further increasing the referral success rate. After an account manager receives a referral order, a standard operating procedure (SOP) is used for full-process supervision, allowing both parties to synchronize referral progress in real time, including follow-up on meetings, transaction status, etc., fostering collaboration and mutual trust throughout the referral process. Furthermore, the system enables performance evaluation for both the referrer and the business handler during the referral process, addressing the pain points of performance evaluation in offline referrals.

[0163] This application also provides a business processing system, including:

[0164] The server receives referral orders from the business initiator, which contain customer identifiers and business requirements. It then extracts features from the business requirements and the customer description information corresponding to the queried customer identifier to obtain customer features. Next, it selects a service feature matching the customer features from pre-stored service features of various business acceptance terminals. Finally, it sends the business acceptance terminal information corresponding to the selected service feature to the business initiator. The server also receives acceptance terminal identifiers from the business initiator and sends the referral order to the corresponding business acceptance terminal for processing.

[0165] The service initiator is used to display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server; in response to the service acceptance terminal selection operation triggered by the service acceptance terminal information, it selects a service acceptance terminal; and sends the acceptance terminal identifier of the selected service acceptance terminal to the server.

[0166] When the method provided in the embodiments of this application is implemented in software, hardware, or a combination of software and hardware, the electronic device may include multiple functional modules, and each functional module may include software, hardware, or a combination thereof.

[0167] Based on the same technical concept, this application also provides two business processing devices. The principle of solving the problem by these two business processing devices is similar to that of the above-mentioned business processing method. Therefore, the implementation of the business processing devices can refer to the implementation of the business processing method, and the repeated parts will not be described again.

[0168] Figure 5 The schematic diagram of a service processing device provided in this application embodiment includes a receiving module 501, an extraction module 502, a selection module 503, a first sending module 504, and a second sending module 505.

[0169] The receiving module 501 is used to receive a referral order sent by the business initiator, wherein the referral order contains customer identification and business requirement information;

[0170] Extraction module 502 is used to extract features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features;

[0171] Selection module 503 is used to select a service feature that matches the customer feature from the service features of each pre-stored service acceptance terminal.

[0172] The first sending module 504 is used to send the service acceptance terminal information corresponding to the selected service feature to the service initiating terminal, so that the service initiating terminal can select the service acceptance terminal.

[0173] The second sending module 505 is used to send the referral order to the business acceptance terminal selected by the business initiator for processing.

[0174] In some embodiments, it also includes:

[0175] The update module 506 is used to update the referral order to the order status requested by the update request if it receives an order status update request from the business acceptance terminal after sending the referral order to the business acceptance terminal selected by the business initiator for processing.

[0176] In some embodiments, it also includes:

[0177] The metering module 507 is used to query business orders that match the referral order if the order status of the referral order is determined to be in the completed state; generate business reward information for the business initiator and the business acceptor based on the order data of the business order; send the business reward information of the business initiator to the business initiator and send the business reward information of the business acceptor to the business acceptor.

[0178] In some embodiments, it also includes:

[0179] The authentication module 508 is used to receive a customer authentication request sent by the business initiator before receiving a referral order sent by the initiator, the customer authentication request containing the customer identifier; perform customer authentication based on the customer identifier; and after confirming successful authentication, instruct the business initiator to display a referral order creation page to trigger the business initiator to create the referral order.

[0180] In some embodiments, it also includes:

[0181] The recommendation module 509 is used to add the referral order to the referral order pool if it is determined that the business acceptance terminal has not claimed the referral order within a preset time period, or if the business initiating terminal does not select any business acceptance terminal; if it receives an order claim request from any business acceptance terminal to the referral order pool, it selects a referral order from the referral order pool that matches the business acceptance terminal; and sends the selected referral order to the business acceptance terminal for processing.

[0182] Figure 6 A schematic diagram of another service processing device provided in this application embodiment includes a first sending module 601, a display module 602, a selection module 603, and a second sending module 604, wherein:

[0183] The first sending module 601 is used to send a referral order to the server. The referral order contains a customer identifier and business requirement information. The server performs feature extraction on the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. Then, it selects a service feature that matches the customer features from the service features of each pre-stored business acceptance terminal.

[0184] Display module 602 is used to display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server;

[0185] Selection module 603 is used to select a service acceptance terminal in response to a service acceptance terminal selection operation triggered based on the service acceptance terminal information.

[0186] The second sending module 604 is used to send the identifier of the selected business acceptance terminal to the server, and the server sends the referral order to the business acceptance terminal corresponding to the identifier for processing.

[0187] In some embodiments, it also includes:

[0188] The authentication module 605 is used to send a customer authentication request to the server before sending a referral order to the server. The customer authentication request contains the customer identifier, and the server performs customer authentication based on the customer identifier. The module also displays a referral order creation page, which is displayed by the business initiator after the server confirms successful authentication. In response to the order generation operation on the creation page, the module generates the referral order.

[0189] The module division in this application embodiment is illustrative and only represents one logical functional division. In actual implementation, other division methods are possible. Furthermore, the functional modules in each embodiment of this application can be integrated into a single processor, exist as separate physical entities, or be integrated into a single module. Coupling between modules can be achieved through interfaces, typically electrical communication interfaces, but mechanical interfaces or other types of interfaces are also possible. Therefore, modules described as separate components may or may not be physically separate; they can be located in one place or distributed across different locations on the same or different devices. The integrated modules described above can be implemented in hardware or as software functional modules.

[0190] Having introduced the business processing method and apparatus according to exemplary embodiments of this application, we will now introduce an electronic device according to another exemplary embodiment of this application.

[0191] In some possible implementations, the electronic device of this application may include at least one processor and at least one memory. The memory stores program code that, when executed by the processor, causes the processor to perform the methods described above according to the various exemplary embodiments of this application.

[0192] The following reference Figure 7 To describe an electronic device 130 implemented according to this embodiment of the present application. Figure 7 The electronic device 130 shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0193] like Figure 7 As shown, the electronic device 130 is presented in the form of a general-purpose electronic device. The components of the electronic device 130 may include, but are not limited to: at least one processor 131, at least one memory 132, and a bus 133 connecting different system components (including memory 132 and processor 131).

[0194] Bus 133 represents one or more of several bus structures, including a memory bus or memory controller, peripheral bus, processor, or local bus using any of the various bus structures.

[0195] The memory 132 may include a readable medium in the form of volatile memory, such as random access memory (RAM) 1321 and / or cache memory 1322, and may further include read-only memory (ROM) 1323.

[0196] The memory 132 may also include a program / utility 1325 having a set (at least one) of program modules 1324, including but 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.

[0197] Electronic device 130 can also communicate with one or more external devices 134 (e.g., keyboard, pointing device, etc.), and with one or more devices that enable a user to interact with electronic device 130, and / or with any device that enables electronic device 130 to communicate with one or more other electronic devices (e.g., router, modem, etc.). This communication can be performed via input / output (I / O) interface 135. Furthermore, electronic device 130 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) via network adapter 136. As shown, network adapter 136 communicates with other modules used in electronic device 130 via bus 133. It should be understood that, although not shown in the figures, other hardware and / or software modules can be used in conjunction with electronic device 130, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0198] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory 132 including instructions, which can be executed by a processor 131 to complete the aforementioned business processing method. Optionally, the storage medium may be a non-transitory computer-readable storage medium, such as a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device.

[0199] In an exemplary embodiment, a computer program product is also provided, which, when invoked and executed by an electronic device, causes the electronic device to perform any of the exemplary methods provided in this application.

[0200] Furthermore, computer program products may employ any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: electrical connections having one or more wires, portable disks, hard disks, RAM, ROM, erasable programmable read-only memory (EPROM), flash memory, optical fiber, compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0201] The program product used for business processing in the embodiments of this application may be a CD-ROM and include program code, and may run on a computing device. However, the program product of this application is not limited to this. In this document, the readable storage medium may be any tangible medium that contains or stores a program, which may be used by or in conjunction with an instruction execution system, apparatus, or device.

[0202] A readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying readable program code. This propagated data signal may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A readable signal medium may also be any readable medium other than a readable storage medium, capable of sending, propagating, or transmitting a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0203] The program code contained on the readable medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical fiber, radio frequency (RF), or any suitable combination thereof.

[0204] Program code for performing the operations of this application can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can execute entirely on the user's computing device, partially on the user's computing device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, such as a Local Area Network (LAN) or a Wide Area Network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0205] It should be noted that although several units or sub-units of the device have been mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, according to embodiments of this application, the features and functions of two or more units described above can be embodied in one unit. Conversely, the features and functions of one unit described above can be further divided and embodied by multiple units.

[0206] Furthermore, although the operations of the method of this application are described in a specific order in the accompanying drawings, this does not require or imply that these operations must be performed in that specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0207] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0208] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0209] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0210] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0211] Although preferred embodiments of this application have been described, those skilled in the art, upon learning the basic inventive concept, can make other changes and modifications to these embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments as well as all changes and modifications falling within the scope of this application.

[0212] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, then this application also includes such modifications and variations.

Claims

1. A business processing method, characterized in that, include: Receive referral orders sent by the business initiator. The referral orders contain customer identifiers, business requirement information, and pre-arranged meeting dates, times, and locations with the corresponding customer. The business requirement information and the customer description information corresponding to the queried customer identifier are used to extract features to obtain customer features. In this process, the business requirement information and the customer description information are concatenated, the concatenation result is segmented into words, and each word segmentation is vectorized using the Word2vec method to obtain the customer features. Select the service feature that matches the customer feature from the pre-stored service features of each service acceptance terminal; The information of the service acceptance terminal corresponding to the selected service feature is sent to the service initiating terminal, and the service initiating terminal selects the service acceptance terminal. The referral order is sent to the business processing terminal selected by the business initiator for processing, and the customer is notified of the relevant information and invitation code for offline face-to-face meeting. The invitation code is used to complete the referral order. If it is determined that the referral order is in the completed state, then query the business orders that match the referral order; Based on the order data of the business orders, business reward information is generated for the business initiator and the business acceptor, respectively. The business reward information from the business initiating end is sent to the business initiating end, and the business reward information from the business receiving end is sent to the business receiving end.

2. The method as described in claim 1, characterized in that, After sending the referral order to the service acceptance terminal selected by the service initiator for processing, the process also includes: If an order status update request is received from the business processing terminal, the referral order will be updated to the order status requested in the update request.

3. The method as described in claim 1, characterized in that, Before receiving a referral order from the initiator, the process also includes: Receive a customer authentication request sent by the service initiator, wherein the customer authentication request includes the customer identifier; Customer authentication is performed based on the customer identifier; After successful authentication, the business initiator is instructed to display the referral order creation page to trigger the business initiator to create the referral order.

4. The method as described in claim 1, characterized in that, Also includes: If it is determined that the business acceptance terminal has not received the referral order within the preset time period, or if the business initiating terminal does not select any business acceptance terminal, then the referral order will be added to the referral order pool. If any business acceptance terminal receives an order claim request for the referral order pool, then select a referral order from the referral order pool that matches the business acceptance terminal; The selected referral order is sent to the business processing terminal for processing.

5. A business processing method, characterized in that, include: A referral order is sent to the server. The referral order contains a customer identifier, business requirement information, and a pre-arranged meeting date, time, and location with the corresponding customer. The server extracts features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. The business requirement information and the customer description information are concatenated, and the concatenation result is segmented into words. Each word segment is vectorized using the Word2vec method to obtain the customer features. Service features that match the customer features are selected from the service features of each pre-stored service terminal. Display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server; In response to a service acceptance terminal selection operation triggered based on the service acceptance terminal information, a service acceptance terminal is selected; The server sends the identifier of the selected service terminal to the server, which then sends the referral order to the service terminal corresponding to the identifier for processing and notifies the customer of the relevant information and invitation code for offline meeting. The invitation code is used to complete the referral order. The server receives business reward information, which is generated by the server based on the order data of the business orders matched with the referral order after the referral order's order status is completed.

6. The method as described in claim 5, characterized in that, Before sending the referral order to the server, it also includes: A customer authentication request is sent to the server, the customer authentication request containing the customer identifier, and the server performs customer authentication based on the customer identifier; The referral order creation page is displayed, which is instructed by the server to be displayed by the business initiator after successful authentication. In response to the order generation operation on the creation page, the referral order is generated.

7. A business processing device, characterized in that, include: The receiving module is used to receive referral orders sent by the business initiator. The referral order contains customer identification, business requirement information, and the pre-arranged meeting date, meeting time, and meeting location with the corresponding customer. The extraction module is used to extract features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features; The selection module is used to select service features that match the customer features from the service features of each pre-stored service terminal. The service feature is obtained by concatenating the service requirement information and the customer description information, segmenting the concatenation result into words, and vectorizing each word using the Word2vec method. The first sending module is used to send the service acceptance terminal information corresponding to the selected service feature to the service initiating terminal, so that the service initiating terminal can select the service acceptance terminal. The second sending module is used to send the referral order to the business acceptance terminal selected by the business initiator for processing, and to notify the customer of offline meeting information and invitation code, the invitation code being used to complete the referral order; The measurement module is used to query business orders that match the referral order if the order status of the referral order is determined to be in the completed state; generate business reward information for the business initiator and the business acceptor based on the order data of the business order; and send the business reward information of the business initiator to the business initiator and the business reward information of the business acceptor to the business acceptor.

8. The apparatus as claimed in claim 7, characterized in that, Also includes: The update module is used to update the referral order to the order status requested by the update request if it receives an order status update request from the business acceptance terminal after the referral order has been sent to the business acceptance terminal selected by the business initiator for processing.

9. The apparatus as claimed in claim 7, characterized in that, Also includes: The authentication module is used to receive a customer authentication request sent by the business initiator before receiving a referral order sent by the initiator. The customer authentication request includes the customer identifier. Based on the customer identifier, customer authentication is performed; after successful authentication, the business initiator is instructed to display the referral order creation page to trigger the business initiator to create the referral order.

10. The apparatus as claimed in claim 7, characterized in that, Also includes: The recommendation module is used to add the referral order to the referral order pool if it is determined that the business acceptance terminal has not received the referral order within a preset time period, or if the business initiating terminal does not select any business acceptance terminal. If any business processing terminal receives an order claim request for the referral order pool, then select a referral order from the referral order pool that matches the business processing terminal; and send the selected referral order to the business processing terminal for processing.

11. A business processing apparatus, characterized in that, include: The first sending module is used to send a referral order to the server. The referral order contains a customer identifier, business requirement information, and a pre-arranged meeting date, meeting time, and meeting location with the corresponding customer. The server extracts features from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. The business requirement information and the customer description information are concatenated, the concatenation result is segmented into words, and each word is vectorized using the Word2vec method to obtain the customer features. Service features that match the customer features are selected from the service features of each pre-stored business acceptance terminal. The display module is used to display the service acceptance terminal information corresponding to the service characteristics that match the customer characteristics sent by the server; The selection module is used to select a service acceptance terminal in response to a service acceptance terminal selection operation triggered based on the service acceptance terminal information. The second sending module is used to send the identifier of the selected service terminal to the server, which then sends the referral order to the service terminal corresponding to the identifier for processing and notifies the customer of offline meeting information and an invitation code. The invitation code is used to complete the referral order. The module also receives business reward information sent by the server, which is generated by the server based on the order data of the business orders matched with the referral order after the order status of the referral order is completed.

12. The apparatus as claimed in claim 11, characterized in that, Also includes: The authentication module is used to send a customer authentication request to the server before sending a referral order to the server. The customer authentication request contains the customer identifier, and the server performs customer authentication based on the customer identifier. The module also displays a referral order creation page, which is displayed by the business initiator at the instruction of the server after successful authentication. In response to the order generation operation on the creation page, the referral order is generated.

13. A business processing system, characterized in that, include: The server receives referral orders sent by the business initiator. These orders include a customer identifier, business requirement information, and a pre-arranged meeting date, time, and location with the corresponding customer. Features are extracted from the business requirement information and the customer description information corresponding to the queried customer identifier to obtain customer features. Specifically, the business requirement information and the customer description information are concatenated, and the concatenated result is segmented into words. Each segmented word is vectorized using the Word2vec method to obtain the customer features. Service features matching the customer features are selected from pre-stored service features of various business acceptance terminals. The selected service feature corresponds to the business acceptance terminal... The system sends information to the business initiator; receives the acceptance terminal identifier sent by the business initiator; sends the referral order to the business acceptance terminal corresponding to the acceptance terminal identifier for processing, and notifies the customer of offline meeting-related information and an invitation code, the invitation code being used to complete the referral order; it is also used to query business orders matching the referral order if the order status of the referral order is determined to be completed; based on the order data of the business order, it generates business reward information for the business initiator and the business acceptance terminal respectively; it sends the business reward information of the business initiator to the business initiator and the business reward information of the business acceptance terminal to the business acceptance terminal. The service initiating end is used to display service acceptance end information corresponding to service characteristics matching the customer characteristics sent by the server; in response to a service acceptance end selection operation triggered based on the service acceptance end information, it selects a service acceptance end; sends the acceptance end identifier of the selected service acceptance end to the server; and is also used to receive service reward information sent by the server.

14. An electronic device, characterized in that, include: At least one processor, and a memory communicatively connected to said at least one processor, wherein: The memory stores instructions that can be executed by the at least one processor to enable the at least one processor to perform the method as described in any one of claims 1-6.

15. A storage medium, characterized in that, When the instructions in the storage medium are executed by the processor of the electronic device, the electronic device is able to perform the method as described in any one of claims 1-6.

16. A computer program product, characterized in that, When a computer program product is invoked and executed by an electronic device, the electronic device performs the method as described in any one of claims 1-6.

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