Product design method based on digital twinning technology and related device

Abstract

The embodiment of the application discloses a product design method based on digital twin technology and a related device, the method comprises the following steps: according to the product type and the preset product index of a target product, at least one product is screened out from a product database, the common features of the at least one product are determined, the product parameters and external production conditions of the target product are determined, the virtual production of the target product is simulated according to the common features, the product parameters and the external production conditions, the virtual production information of the target product is obtained, the target product is generated according to the virtual production information, and the target product is added to the service function set that can be accepted by a virtual bank network point. By adopting the embodiment of the application, the simulation production of the target product can be realized, at least one virtual production problem encountered in the virtual production is avoided when the target product is generated, and the efficiency of actual product design is improved.

Description

Technical Field

[0001] This application relates to the field of digital twin technology, specifically to a product design method and related apparatus based on digital twin technology. Background Technology

[0002] Currently, when banks test a product, they need to deploy the product to various physical bank branches and collect data from each branch. This process is inefficient, resulting in slow product testing, product design, and product updates. Summary of the Invention

[0003] This application provides a product design method and related apparatus based on digital twin technology, which can simulate the production of a target product and avoid at least one virtual production problem encountered in virtual production when generating the target product, thereby improving the efficiency of actual product design.

[0004] In a first aspect, embodiments of this application provide a product design method based on digital twin technology, applied to an electronic device in a banking service system. The banking service system includes multiple physical bank branches, multiple virtual bank branches constructed based on digital twin technology that correspond one-to-one with the multiple physical bank branches, and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes. The electronic device includes a product database. The method includes:

[0005] Based on the product type of the target product and preset product indicators, at least one product is selected from the product database, wherein the preset product indicators include at least one of the following: user volume, product evaluation, and product return.

[0006] Identify common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback;

[0007] Determine the product parameters and external production conditions of the target product;

[0008] Based on the common characteristics, product parameters, and external production conditions, the virtual production of the target product is simulated to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common characteristics and product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions, and operating the target virtual product at the virtual bank branch.

[0009] The target product is generated based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation processes;

[0010] Add the target product to the set of business functions that the virtual bank branch can handle.

[0011] Secondly, this application provides a product design device based on digital twin technology, applied to an electronic device in a banking service system. The banking service system includes multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the physical bank branches (constructed based on digital twin technology), and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes. The electronic device includes a product database. The device includes: a filtering unit, a determining unit, a simulation unit, a generating unit, and an adding unit.

[0012] The filtering unit is used to filter at least one product from the product database based on the product type of the target product and preset product indicators, wherein the preset product indicators include at least one of the following: user volume, product evaluation and product return.

[0013] The determining unit is used to determine the common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback;

[0014] The determining unit is also used to determine the product parameters and external production conditions of the target product;

[0015] The simulation unit is used to simulate the virtual production of the target product based on the common features, the product parameters, and the external production conditions to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common features and the product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions and operating the target virtual product at the virtual bank branch.

[0016] The generation unit is configured to generate the target product based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation processes;

[0017] The adding unit is used to add the target product to the set of business functions that the virtual bank branch can handle.

[0018] Thirdly, embodiments of this application provide an electronic device, characterized in that it includes a processor, a memory, a communication interface, and one or more programs, the one or more programs being stored in the memory and configured to be executed by the processor, the programs including steps for performing some or all of the steps described in the method of the first aspect of embodiments of this application.

[0019] Fourthly, embodiments of this application provide a computer-readable storage medium storing a computer program for electronic data interchange, wherein the computer program causes a computer to perform some or all of the steps described in the method of the first aspect of embodiments of this application.

[0020] As can be seen, in this embodiment, the electronic device selects at least one product from a product database based on the product type and preset product indicators of the target product. The preset product indicators include at least one of the following: user volume, product evaluation, and product returns. Then, it determines at least one common characteristic of the product, which includes at least one of the following: product price, functional scenarios, usage patterns, user groups, user profiles, and user experience feedback. Further, it determines the product parameters and external production conditions of the target product. Based on the common characteristics, product parameters, and external production conditions, it simulates the virtual production of the target product. Then, it generates the target product based on the virtual production information, which includes at least one virtual production problem arising during virtual design and operation. Finally, it adds the target product to the set of business functions that the virtual bank branch can handle. In this way, it can simulate the production of the target product and avoid at least one virtual production problem encountered in virtual production when generating the target product, thus improving the efficiency of actual product design. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in the embodiments of this application, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0022] Figure 1 This is a schematic diagram of the architecture of a product design and prediction system based on digital twin technology provided in an embodiment of this application;

[0023] Figure 2 This is a flowchart illustrating a product design method based on digital twin technology provided in an embodiment of this application;

[0024] Figure 3 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application;

[0025] Figure 4 This is a schematic diagram of a product design device based on digital twin technology provided in an embodiment of this application. Detailed Implementation

[0026] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of the present application.

[0027] The terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish different objects, not to describe a specific order. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or apparatus that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or apparatuses.

[0028] In this document, the term "embodiment" means that a particular feature, structure, or characteristic described in connection with an embodiment may be included in at least one embodiment of this application. The appearance of this phrase in various places throughout the specification does not necessarily refer to the same embodiment, nor is it a separate or alternative embodiment mutually exclusive with other embodiments. It will be explicitly and implicitly understood by those skilled in the art that the embodiments described herein can be combined with other embodiments.

[0029] The electronic devices involved in the embodiments of this application may include various handheld devices, vehicle-mounted devices, wearable devices, computing devices or other processing devices connected to a wireless modem with wireless communication capabilities, as well as various forms of user equipment (UE), mobile station (MS), terminal device, etc. For ease of description, the devices mentioned above are collectively referred to as electronic devices.

[0030] Currently, when banks test a product, they need to deploy the product to various physical bank branches and collect data from each branch. This process is inefficient, resulting in slow product testing, product design, and product updates.

[0031] To address the aforementioned issues, this application proposes a product design method and related apparatus based on digital twin technology, which will be described in detail below.

[0032] Please see Figure 1 , Figure 1 This is a schematic diagram of the architecture of a product design and prediction system based on digital twin technology provided in an embodiment of this application. The system architecture may include a banking service system 100, which includes physical bank branches 101, virtual bank branches 102, and electronic devices 103.

[0033] The aforementioned electronic device 103 can be used as an electronic device in the embodiments of this application. For example, electronic device 103 can be an electronic device such as a laptop, tablet, or mobile phone, or a wearable electronic device such as a smartwatch.

[0034] The banking service system 100 may include multiple physical bank branches 101 and multiple virtual bank branches 102. Each virtual bank branch 102 corresponds to one physical bank branch 101. The virtual bank branch 102 is a digital twin model built by the physical bank branch 101 based on digital twin technology. The electronic device 103 is used to support data interaction between each physical bank branch and the corresponding virtual bank branch to complete the customer's business process.

[0035] Among them, electronic device 103 includes a product database and a user database. The product database includes banking products inside and outside the physical bank outlet, and the user database includes multiple users who have logged into the physical bank outlet 101.

[0036] The electronic device can enable users to interact with the virtual bank branch 102, experience the virtual bank branch 102, and collect real-time operating data from the physical bank branch 101 and the virtual bank branch 102, monitor user business operations and generate corresponding user monitoring data, which includes user operation information.

[0037] Among them, electronic device 103 can add target product and target virtual product to the set of business functions that virtual bank branch 102 can handle, and virtual bank branch 102 can operate target product and target virtual product according to preset business strategy.

[0038] In one possible example, electronic device 103 selects at least one product from a product database based on the target product's product type and preset product indicators. The preset product indicators include at least one of the following: user volume, product evaluation, and product return. Electronic device 103 then determines at least one common characteristic of the product, which includes at least one of the following: product price, functional scenarios, usage patterns, user groups, user profiles, and user experience feedback. Electronic device 103 further determines the target product's product parameters and external production conditions, and simulates virtual production of the target product based on the common characteristics, product parameters, and external production conditions. Next, electronic device 103 generates the target product based on the virtual production information, which includes at least one virtual production problem arising during virtual design and operation. Finally, electronic device 103 adds the target product to the set of business functions that the virtual bank branch 102 can handle. This allows for simulated production of the target product and avoids at least one virtual production problem encountered during virtual production when generating the target product, thus improving the efficiency of actual product design.

[0039] It should be noted that in this application, "multiple" can refer to two or more, which will not be elaborated further.

[0040] Please see Figure 2 , Figure 2 This is a flowchart illustrating a product design method based on digital twin technology provided in this application embodiment, applied to an electronic device in a banking service system. The banking service system includes multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the multiple physical bank branches constructed based on digital twin technology, and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete the customer's business process. The electronic device includes a product database. As shown in the figure, this product design method based on digital twin technology includes the following operations.

[0041] S201. Based on the product type of the target product and preset product indicators, at least one product is selected from the product database, wherein the preset product indicators include at least one of the following: user volume, product evaluation, and product return.

[0042] Among them, virtual bank branches can provide a product design platform for the entire lifecycle of physical bank branches, enabling virtual bank branches to monitor the production and operation of physical bank branches in real time, as well as monitor user operations, generate corresponding user operation information, and provide users with a panoramic banking experience service that combines online and offline, virtual and physical elements.

[0043] The product types include at least one of the following: liability business types, asset business types, and intermediary business types. Liability business types include deposit business types and loan business types. Asset business types include loan business types, securities investment business types, and cash asset business types. Intermediary business types include transaction business types, clearing business types, payment and settlement business types, bank card business types, agency business types, custody business types, guarantee business types, commitment business types, wealth management business types, and electronic banking business types, without any further restrictions.

[0044] Product ratings can be extremely poor, poor, good, excellent, or very good. They can also be based on a star rating system, such as one star, two stars, three stars, four stars, and five stars. The higher the number of stars, the better the product rating. Alternatively, product ratings can be from 0 to 10 points, without any restrictions.

[0045] Among them, at least one selected product has a user base greater than or equal to the user base in the preset product indicators, at least one selected product has a product rating level greater than or equal to the product rating level in the preset product indicators, and at least one selected product has a product return greater than or equal to the product return in the preset product indicators.

[0046] For example, if the preset product metrics are 1,000 users, good product rating, 116% return on investment, and bank card business type, then the product database will be used to select at least one product that has 1,000 or more users, good or excellent product rating, 116% or more return on investment, and is a bank card business type.

[0047] S202. Determine the common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback.

[0048] The user profile may include user name, gender, age, occupation, marital status, whether the user owns property, business preferences, economic status, recent business transactions, household registration, income, etc., without limitation.

[0049] Among these, product price can be a price range or a price value; functional scenarios are related to product type, for example, business scenarios related to bank card business types can include cash deposit and withdrawal, fund transfer, card payment, and payroll / debit services; user experience feedback can be user evaluations of bank products, such as the aforementioned product evaluations; user groups are bank customer groups categorized according to different levels and attributes, such as car owner groups, payroll / debit customers, university student groups, and credit card customers, without further limitation.

[0050] S203. Determine the product parameters and external production conditions of the target product.

[0051] The product parameters must include at least one of the following: term segmentation, amount segmentation, interest rate product definition, product time definition, product indicator definition, product event attribute, product definition, combined product definition, product fee, product attribute, and product and account usage association table, without any restrictions.

[0052] Among them, external production conditions refer to market conditions, competitor conditions, and industry conditions. Market conditions include market size, market business model, customer base, profit and loss situation, market size, market characteristics, and market change trends. Industry conditions include industry change trends, industry roles, and industry opportunities. Competitor conditions include competitor data, competitor user base, and competitor functionality.

[0053] S204. Based on the common features, the product parameters, and the external production conditions, simulate the virtual production of the target product to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common features and the product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions, and operating the target virtual product at the virtual bank branch.

[0054] The virtual generation of the target product can be simulated by setting different product parameters and external conditions. It can also virtually design target virtual products with different product parameters and external conditions. By launching the target product into a virtual bank branch, the feasibility and expected benefits of the target product design can be verified. Furthermore, it can record at least one virtual production problem encountered under different product parameters and external conditions, so as to avoid this at least one virtual production problem when designing the target product in practice and improve the efficiency of the target product design.

[0055] S205. Generate the target product based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation.

[0056] Among them, virtual production issues mainly refer to production bottlenecks encountered during the virtual design and virtual operation process.

[0057] S206. Add the target product to the set of business functions that the virtual bank branch can handle.

[0058] As can be seen, in this embodiment, the electronic device selects at least one product from a product database based on the product type and preset product indicators of the target product. The preset product indicators include at least one of the following: user volume, product evaluation, and product returns. Then, it determines at least one common characteristic of the product, which includes at least one of the following: product price, functional scenarios, usage patterns, user groups, user profiles, and user experience feedback. Further, it determines the product parameters and external production conditions of the target product. Based on the common characteristics, product parameters, and external production conditions, it simulates the virtual production of the target product. Then, it generates the target product based on the virtual production information, which includes at least one virtual production problem arising during virtual design and operation. Finally, it adds the target product to the set of business functions that the virtual bank branch can handle. In this way, it can simulate the production of the target product and avoid at least one virtual production problem encountered in virtual production when generating the target product, thus improving the efficiency of actual product design.

[0059] In one possible example, when the target product operates in the virtual bank branch with a preset management strategy, the above method may further include the following steps: obtaining user monitoring data corresponding to the target product in the virtual bank branch; predicting user churn trends for users in the user monitoring data based on the user monitoring data, and obtaining a prediction result, wherein the prediction result is used to indicate whether the user churn of the target product is greater than a first preset threshold; if the prediction result indicates that the user churn of the target product is greater than the first preset threshold, then adjusting the preset management strategy.

[0060] Among them, electronic devices can receive user monitoring data sent by virtual bank branches, including key indicators, user profile characteristics, and user operation data.

[0061] Among them, electronic devices can also predict the expected revenue, new users, and business usage of target products based on user monitoring data.

[0062] Among them, the preset management strategy is a management strategy set in advance according to the product type of the target product. Different or the same appropriate preset management strategies are corresponding to different product types, which can provide users with convenient business services.

[0063] Among them, predicting user churn trends can predict the probability of each user churning. If the probability of a user churning is greater than a second preset threshold, then the user is considered a churned user. Furthermore, it can count the number of churned users in the target product, i.e., the user churn rate.

[0064] In practice, the electronic device receives user monitoring data corresponding to the target product sent by the virtual bank branch, substitutes the user monitoring data into the user churn preset model, and obtains the user churn probability of each user. If the user churn probability is greater than the second preset threshold, the user is regarded as the churned user corresponding to the user churn volume. The number of churned users is further counted to obtain the user churn volume. If the user churn volume is greater than the first preset threshold, the preset management strategy is adjusted.

[0065] As can be seen in this example, the decision to adjust the preset management strategy can be made based on the predicted user churn trend, which helps to improve the preset management strategy of the target product and enhance the user experience.

[0066] In one possible example, the method of predicting user churn trends based on the user monitoring data and obtaining a prediction result may include the following steps: determining key indicators and user profile features in the user monitoring data, wherein the key indicators include at least one of the following: user activity rate, active duration, retention rate, number of launches, page views, clicks, conversion rate, access duration, and access depth; determining the weights corresponding to the key indicators; and inputting the user profile features, the key indicators, and the weights corresponding to the key indicators into a preset user churn prediction model to obtain the prediction result.

[0067] Key metrics and user profile features are both factors that influence user churn. Therefore, key metrics and user profile features are used as prediction parameters in the user churn prediction model to predict whether a user will churn.

[0068] Each key indicator corresponds to a weight, and the weights for each key indicator can be the same or different. The weight refers to the relative importance of the key indicator in user churn prediction.

[0069] The weights can be set manually or by system default, and there are no restrictions here. They can also be determined by analyzing the impact of key indicators and user churn on data corresponding to at least one product.

[0070] The user profile features include at least one of the following: user name, user gender, user age, user occupation, user marital status, user property ownership, user business preferences, user economic status, user recent business transactions, user household registration, user income, and user savings amount.

[0071] In practice, the electronic device first extracts key indicator data and user profile features from user monitoring data, further determines the weights corresponding to the key indicators, inputs the user profile features, key indicators and their corresponding weights into a preset user churn prediction model to obtain the user churn probability for each user of the target product, further determines the user churn amount based on the relationship between the user churn probability and the second preset threshold, and obtains the prediction result based on the user churn amount and the first preset threshold.

[0072] As can be seen in this example, electronic devices can identify factors influencing user churn, including key metrics and user profile features. By inputting the key metrics and their weights, along with the user profile features, into the user churn prediction model, prediction results can be obtained. Utilizing an artificial intelligence-based user churn prediction model to predict user churn trends can improve the efficiency of user churn prediction.

[0073] In one possible example, the method for generating the target product based on the virtual production information may include the following steps: generating a virtual production problem set based on the virtual production information, wherein the virtual production problem set refers to a set consisting of at least one virtual production problem generated during the virtual design and virtual operation; determining the target group, market positioning, product structure, break-even rate, participation rate, and release cycle of the target product; and generating the target product based on the virtual production problem set, the common characteristics, the product parameters, the target group, the market positioning, the product structure, the break-even rate, the participation rate, and the release cycle.

[0074] The virtual production information includes at least one virtual production problem, and this virtual production problem generates a set of virtual production problems. This includes product pricing, functional scenarios, usage patterns, target customer groups, user profiles, and user experience feedback.

[0075] Among them, electronic devices can design bank products through product design models. The product design model can include parameters such as product parameters, target group, market positioning, product structure, principal protection rate, participation rate, and issuance cycle. The product design model also includes problem avoidance parameters and additional parameters. Problem avoidance parameters are used to avoid virtual production problems in the problem avoidance parameters when designing products. Additional parameters refer to reference parameters other than product parameters, target group, market positioning, product structure, principal protection rate, participation rate, issuance cycle parameters, and problem avoidance parameters.

[0076] In practice, virtual production information is used as a problem avoidance parameter in the product design model, and common features are used as additional parameters. Furthermore, product parameters, common features, target groups, market positioning, product structure, break-even rate, participation rate, release cycle, additional parameters, and problem avoidance parameters are incorporated into the product design model to generate the target product.

[0077] As can be seen in this example, the target product can be generated using a product design model based on multiple parameters, including product parameters. This avoids virtual production problems in virtual production and allows reference to the common features of at least one product in the design of the target product, which helps to improve the efficiency and success rate of product design.

[0078] In one possible example, the method for adjusting the preset management strategy may include the following steps: determining user operation information in the user monitoring data, wherein the user operation information includes at least one of the following: user operation business, business dwell time, business browsing count, business start and business breakpoint; obtaining the user's product management evaluation; determining the user's product management needs based on the user operation information and product management evaluation; and adjusting the preset management strategy based on the product management needs.

[0079] The adjustment of preset management strategies takes into account user evaluations and suggestions on product management, as well as user operations. This is because user operations and products are related. For example, when a user is in a certain process of credit card business, they may abandon the business because the process is too cumbersome or there are too many invalid processes, resulting in multiple browsing attempts at the same business process breakpoint.

[0080] The product management evaluation includes product management scores and product management suggestions. Each product management score corresponds to a product management suggestion. In the process of determining the user's product management needs, some malicious scores and suggestions can be filtered out. For example, product management evaluations that only have low product management scores but no product management suggestions can be filtered out, as well as product management evaluations that contain garbled characters, incoherent sentences, or only English characters can be filtered out.

[0081] As can be seen in this example, the electronic device can determine the user's product management needs based on user operation information and product management evaluation, and further adjust the preset management strategy according to the product management needs, which is conducive to improving the user experience.

[0082] In one possible example, the above method may further include the following steps: determining the user's product requirements based on the user operation information; adjusting the product parameters based on the user's product requirements to obtain target product parameters; and adjusting the target product based on the target product parameters.

[0083] In this context, user actions are related to their product needs. For example, users may have greater needs for products that are viewed more frequently. If a user spends a long time on a particular service within a product, it means that the user is more interested in that service. If a user does not activate a service within a product, it proves that the user is not interested in that type of service.

[0084] In practice, the electronic device replaces the previously input product parameters with the adjusted target product parameters, adjusts the target product, and generates the target updated product corresponding to the target product.

[0085] As can be seen in this example, the electronic device can adjust the product parameters according to the user's operation information, and further adjust the target product using the product design model based on the adjusted target product parameters, which is beneficial to improving the user experience.

[0086] In one possible example, the electronic device includes a user database, and the above method may further include the following steps: determining target page display parameters based on at least one display page corresponding to the at least one product; generating a target display page for the target product based on the target page display parameters; filtering target users from the user database based on the user profile features, wherein the target users include the current user and potential users; and sending a page display instruction to the virtual bank branch to display the target display page at a preset location when the target user is detected to have logged into the virtual bank branch.

[0087] Each product has a corresponding display page. Considering that the at least one display page corresponding to the selected at least one product will affect the user's browsing of the at least one product, the parameters of the display page of the at least one product can be used as a reference to design the target display page corresponding to the target product.

[0088] Among these, electronic devices can send the target product's corresponding display page to the virtual bank branch corresponding to the target product.

[0089] The target page display parameters include size, coordinates, dynamic effects, and style. Styles can include borders, backgrounds, font size, font color, etc., which are not limited here. Dynamic effects can include 3D effects, parallel movement effects, etc. In determining the target page display parameters, the size, coordinates, and style groups with high repetition among the display parameters of at least one product can be used as the target page display parameters. For example, if there are 8 products, 7 of which are 200*400 in size, and one product is 400*400 in size, then the size of 200*400 will be used as the size parameter in the target product parameters.

[0090] The target users include existing users of the target product, i.e., users corresponding to the target product, and potential users.

[0091] As can be seen in this example, the electronic device can design the target display page of the target product by referring to the display page corresponding to at least one product, and send a page display instruction for the target display page to the virtual bank branch when potential users or target users visit the virtual bank branch, so that the virtual bank branch can display the target display page of the target product to the target users, which is conducive to improving the user experience.

[0092] Please see Figure 3 , Figure 3 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. As shown in the figure, the electronic device is applied in a banking service system. The banking service system includes multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the multiple physical bank branches based on digital twin technology, and the electronic device that supports data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes. The electronic device includes a product database, a processor, a memory, a communication interface, and one or more programs. The one or more programs are stored in the memory and are configured to be executed by the processor according to the following instructions:

[0093] Based on the product type of the target product and preset product indicators, at least one product is selected from the product database, wherein the preset product indicators include at least one of the following: user volume, product evaluation, and product return.

[0094] Identify common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback;

[0095] Determine the product parameters and external production conditions of the target product;

[0096] Based on the common characteristics, product parameters, and external production conditions, the virtual production of the target product is simulated to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common characteristics and product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions, and operating the target virtual product at the virtual bank branch.

[0097] The target product is generated based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation processes;

[0098] Add the target product to the set of business functions that the virtual bank branch can handle.

[0099] As can be seen, in this embodiment, the electronic device selects at least one product from a product database based on the product type and preset product indicators of the target product. The preset product indicators include at least one of the following: user volume, product evaluation, and product returns. Then, it determines at least one common characteristic of the product, which includes at least one of the following: product price, functional scenarios, usage patterns, user groups, user profiles, and user experience feedback. Further, it determines the product parameters and external production conditions of the target product. Based on the common characteristics, product parameters, and external production conditions, it simulates the virtual production of the target product. Then, it generates the target product based on the virtual production information, which includes at least one virtual production problem arising during virtual design and operation. Finally, it adds the target product to the set of business functions that the virtual bank branch can handle. In this way, it can simulate the production of the target product and avoid at least one virtual production problem encountered in virtual production when generating the target product, thus improving the efficiency of actual product design.

[0100] In one possible example, when the target product is operated in the virtual bank branch with a preset management strategy, the above procedure includes instructions for performing the following steps:

[0101] Obtain user monitoring data corresponding to the target product in the virtual bank branch;

[0102] Based on the user monitoring data, user churn trend prediction is performed on the users in the user monitoring data to obtain prediction results, wherein the prediction results are used to indicate whether the user churn of the target product is greater than a first preset threshold.

[0103] If the prediction result indicates that the user churn rate of the target product is greater than the first preset threshold, then the preset management strategy is adjusted.

[0104] In one possible example, regarding the step of predicting user churn trends for users in the user monitoring data based on the user monitoring data and obtaining the prediction result, the above procedure includes instructions for performing the following steps:

[0105] Identify key metrics and user profile features in the user monitoring data, wherein the key metrics include at least one of the following: user activity rate, active duration, retention rate, number of launches, page views, clicks, conversion rate, access duration, and access depth;

[0106] Determine the weights corresponding to the key indicators;

[0107] The user profile features, the key indicators, and the weights corresponding to the key indicators are input into a preset user churn prediction model to obtain the prediction result.

[0108] In one possible example, regarding the generation of the target product based on the virtual production information, the above procedure includes instructions for performing the following steps:

[0109] Based on the virtual production information, a set of virtual production problems is generated, wherein the set of virtual production problems refers to the collection of at least one virtual production problem generated during the virtual design and virtual operation process;

[0110] Determine the target group, market positioning, product structure, break-even rate, participation rate, and issuance cycle of the target product;

[0111] The target product is generated based on the virtual production problem set, the common characteristics, the product parameters, the target group, the market positioning, the product structure, the break-even rate, the participation rate, and the issuance cycle.

[0112] In one possible example, regarding the adjustment of the preset management strategy, the above procedure further includes instructions for performing the following steps:

[0113] The user operation information in the user monitoring data is determined, wherein the user operation information includes at least one of the following: user operation business, business dwell time, business browsing count, business start and business breakpoint;

[0114] Obtain the user's product management evaluation;

[0115] Based on the user operation information and product management evaluation, determine the user's product management needs;

[0116] Adjust the preset management strategy according to the product management requirements.

[0117] In one possible example, the above procedure also includes instructions for performing the following steps:

[0118] Based on the user operation information, determine the user's product needs;

[0119] Based on the user's product requirements, the product parameters are adjusted to obtain the target product parameters;

[0120] Adjust the target product according to the target product parameters.

[0121] In one possible example, the electronic device includes a user database, and the above program also includes instructions for performing the following steps:

[0122] Determine the target page display parameters based on at least one display page corresponding to the at least one product;

[0123] Based on the target page display parameters, generate the target display page for the target product;

[0124] Based on the user profile characteristics, target users are selected from the user database, wherein the target users include the current users and potential users;

[0125] When the target user is detected to have logged into the virtual bank branch, a page display instruction is sent to the virtual bank branch to display the target display page at a preset location.

[0126] The above mainly describes the solutions of the embodiments of this application from the perspective of the method execution process. It is understood that, in order to achieve the above functions, the electronic device includes hardware structures and / or software modules corresponding to the execution of each function. Those skilled in the art should readily recognize that, in conjunction with the units and algorithm steps of the various examples described in the embodiments provided herein, this application can be implemented in hardware or a combination of hardware and computer software. Whether a function is executed by hardware or by computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0127] This application embodiment can divide the electronic device into functional units according to the above method example. For example, each function can be divided into a separate functional unit, or two or more functions can be integrated into one processing unit. The integrated unit can be implemented in hardware or as a software functional unit. It should be noted that the unit division in this application embodiment is illustrative and only represents one logical functional division. In actual implementation, there may be other division methods.

[0128] When dividing each function into modules according to its corresponding function. Figure 4 A schematic diagram of a product design device based on digital twin technology is given, such as... Figure 4As shown, an electronic device applied in a banking service system includes multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the multiple physical bank branches (constructed based on digital twin technology), and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes. The electronic device includes a product database. The product design device 400 based on digital twin technology may include: a filtering unit 401, a determining unit 402, a simulation unit 403, a generating unit 404, an adding unit 405, an adjusting unit 406, a predicting unit 407, and a sending unit 408.

[0129] The filtering unit 401 is used to filter at least one product from the product database based on the product type of the target product and preset product indicators, wherein the preset product indicators include at least one of the following: user volume, product evaluation and product return.

[0130] The determining unit 402 is used to determine the common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback;

[0131] The determining unit 402 is also used to determine the product parameters and external production conditions of the target product;

[0132] The simulation unit 403 is used to simulate the virtual production of the target product based on the common features, the product parameters, and the external production conditions to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common features and the product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions and operating the target virtual product at the virtual bank branch.

[0133] The generation unit 404 is used to generate the target product based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and the virtual operation process;

[0134] The adding unit 405 is used to add the target product to the set of business functions that the virtual bank branch can handle.

[0135] As can be seen, the product design apparatus based on digital twin technology described in this application can select at least one product from a product database based on the product type and preset product indicators of the target product. The preset product indicators include at least one of the following: user volume, product evaluation, and product returns. Then, it determines at least one common feature of the product, which includes at least one of the following: product price, functional scenarios, usage patterns, user groups, user profiles, and user experience feedback. It further determines the product parameters and external production conditions of the target product, and simulates the virtual production of the target product based on the common features, product parameters, and external production conditions. Then, it generates the target product based on the virtual production information, which includes at least one virtual production problem generated during virtual design and operation. Finally, it adds the target product to the set of business functions that the virtual bank branch can handle. In this way, it can simulate the production of the target product and avoid at least one virtual production problem encountered in virtual production when generating the target product, thus improving the efficiency of actual product design.

[0136] In one possible example, when the target product is operated in the virtual bank branch with a preset management strategy, the adjustment unit 406 is specifically used for:

[0137] Obtain user monitoring data corresponding to the target product in the virtual bank branch;

[0138] Based on the user monitoring data, user churn trend prediction is performed on the users in the user monitoring data to obtain prediction results, wherein the prediction results are used to indicate whether the user churn of the target product is greater than a first preset threshold.

[0139] If the prediction result indicates that the user churn rate of the target product is greater than the first preset threshold, then the preset management strategy is adjusted.

[0140] In one possible example, in the step of predicting user churn trends based on the user monitoring data and obtaining a prediction result, the prediction unit 407 is specifically used for:

[0141] Identify key metrics and user profile features in the user monitoring data, wherein the key metrics include at least one of the following: user activity rate, active duration, retention rate, number of launches, page views, clicks, conversion rate, access duration, and access depth;

[0142] Determine the weights corresponding to the key indicators;

[0143] The user profile features, the key indicators, and the weights corresponding to the key indicators are input into a preset user churn prediction model to obtain the prediction result.

[0144] In one possible example, in the process of generating the target product based on the virtual production information, the generation unit 404 is specifically configured to:

[0145] Based on the virtual production information, a set of virtual production problems is generated, wherein the set of virtual production problems refers to the collection of at least one virtual production problem generated during the virtual design and virtual operation process;

[0146] Determine the target group, market positioning, product structure, break-even rate, participation rate, and issuance cycle of the target product;

[0147] The target product is generated based on the virtual production problem set, the common characteristics, the product parameters, the target group, the market positioning, the product structure, the break-even rate, the participation rate, and the issuance cycle.

[0148] In one possible example, regarding the adjustment of the preset management strategy, the adjustment unit 406 is specifically used for:

[0149] The user operation information in the user monitoring data is determined, wherein the user operation information includes at least one of the following: user operation business, business dwell time, business browsing count, business start and business breakpoint;

[0150] Obtain the user's product management evaluation;

[0151] Based on the user operation information and product management evaluation, determine the user's product management needs;

[0152] Adjust the preset management strategy according to the product management requirements.

[0153] In one possible example, the adjustment unit 406 is further specifically used for:

[0154] Based on the user's operation information, determine the user's product needs;

[0155] Based on the user's product requirements, the product parameters are adjusted to obtain the target product parameters;

[0156] Adjust the target product according to the target product parameters.

[0157] In one possible example, the electronic device includes a user database, and the sending unit 408 is further specifically used for:

[0158] Determine the target page display parameters based on at least one display page corresponding to the at least one product;

[0159] Based on the target page display parameters, generate the target display page for the target product;

[0160] Based on the user profile characteristics, target users are selected from the user database, wherein the target users include the current users and potential users;

[0161] When the target user is detected to have logged into the virtual bank branch, a page display instruction is sent to the virtual bank branch to display the target display page at a preset location.

[0162] It should be noted that all relevant content of each step involved in the above method embodiments can be referenced from the functional description of the corresponding functional module, and will not be repeated here.

[0163] The electronic device provided in this embodiment is used to execute the product design method based on digital twin technology described above, and therefore can achieve the same effect as the above implementation method.

[0164] This application also provides a computer storage medium storing a computer program for electronic data interchange, which causes a computer to perform some or all of the steps of any of the methods described in the above method embodiments, wherein the computer includes an electronic device.

[0165] This application also provides a computer program product, which includes a non-transitory computer-readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods described in the above method embodiments. The computer program product may be a software installation package, and the computer includes a control platform.

[0166] This application also provides a chip including a processor for executing instructions. When the processor executes the instructions, the chip can implement some or all of the steps of any of the methods described in the above method embodiments. Optionally, the chip may further include a communication interface for receiving or transmitting signals.

[0167] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are preferred embodiments, and the actions and modules involved are not necessarily essential to this application.

[0168] In the above embodiments, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions in other embodiments.

[0169] In the several embodiments provided in this application, it should be understood that the disclosed apparatus can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of the units described above is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between devices or units may be electrical or other forms.

[0170] The units described above as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0171] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0172] If the aforementioned integrated units are implemented as software functional units and sold or used as independent products, they can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a memory and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned memory includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0173] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing related hardware. The program can be stored in a computer-readable storage device, which may include: a flash drive, a read-only memory, a random access memory, a magnetic disk, or an optical disk, etc.

[0174] The embodiments of this application have been described in detail above. Specific examples have been used to illustrate the principles and implementation methods of this application. The description of the above embodiments is only for the purpose of helping to understand the method and core ideas of this application. At the same time, for those skilled in the art, there will be changes in the specific implementation methods and application scope based on the ideas of this application. Therefore, the content of this specification should not be construed as a limitation of this application.

Claims

1. A product design method based on digital twin technology, characterized in that, An electronic device applied in a banking service system, the banking service system including multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the multiple physical bank branches based on digital twin technology, and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes, the electronic device including a product database; the method includes: Based on the product type of the target product and preset product indicators, at least one product is selected from the product database, wherein the preset product indicators include at least one of the following: user volume, product evaluation, and product return. Identify common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback; Determine the product parameters and external production conditions of the target product; Based on the common characteristics, product parameters, and external production conditions, the virtual production of the target product is simulated to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common characteristics and product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions, and operating the target virtual product at the virtual bank branch. The target product is generated based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation processes; Add the target product to the set of business functions that the virtual bank branch can handle; The step of generating the target product based on the virtual production information includes: Based on the virtual production information, a set of virtual production problems is generated, wherein the set of virtual production problems refers to the collection of at least one virtual production problem generated during the virtual design and virtual operation process; Determine the target group, market positioning, product structure, break-even rate, participation rate, and issuance cycle of the target product; The target product is generated based on the virtual production problem set, the common characteristics, the product parameters, the target group, the market positioning, the product structure, the break-even rate, the participation rate, and the issuance cycle.

2. The method according to claim 1, characterized in that, When the target product is operated in the virtual bank branch using a preset management strategy, the method further includes: Obtain user monitoring data corresponding to the target product in the virtual bank branch; Based on the user monitoring data, user churn trend prediction is performed on the users in the user monitoring data to obtain prediction results, wherein the prediction results are used to indicate whether the user churn of the target product is greater than a first preset threshold. If the prediction result indicates that the user churn rate of the target product is greater than the first preset threshold, then the preset management strategy is adjusted.

3. The method according to claim 2, characterized in that, The step of predicting user churn trends based on the user monitoring data and obtaining prediction results includes: Identify key metrics and user profile features in the user monitoring data, wherein the key metrics include at least one of the following: user activity rate, active duration, retention rate, number of launches, page views, clicks, conversion rate, access duration, and access depth; Determine the weights corresponding to the key indicators; The user profile features, the key indicators, and the weights corresponding to the key indicators are input into a preset user churn prediction model to obtain the prediction result.

4. The method according to claim 2, characterized in that, The adjustment of the preset management strategy includes: The user operation information in the user monitoring data is determined, wherein the user operation information includes at least one of the following: user operation business, business dwell time, business browsing count, business start and business breakpoint; Obtain the user's product management evaluation; Based on the user operation information and product management evaluation, determine the user's product management needs; Adjust the preset management strategy according to the product management requirements.

5. The method according to claim 4, characterized in that, The method further includes: Based on the user's operation information, determine the user's product needs; Based on the user's product requirements, the product parameters are adjusted to obtain the target product parameters; Adjust the target product according to the target product parameters.

6. The method according to claim 3, characterized in that, The electronic device includes a user database, and the method further includes: Determine the target page display parameters based on at least one display page corresponding to the at least one product; Based on the target page display parameters, generate the target display page for the target product; Based on the user profile characteristics, target users are selected from the user database, wherein the target users include the current users and potential users; When the target user is detected to have logged into the virtual bank branch, a page display instruction is sent to the virtual bank branch to display the target display page at a preset location.

7. A product design device based on digital twin technology, characterized in that, An electronic device applied in a banking service system, the banking service system including multiple physical bank branches, multiple virtual bank branches corresponding one-to-one with the multiple physical bank branches based on digital twin technology, and the electronic device supporting data interaction between each physical bank branch and its corresponding virtual bank branch to complete customer business processes, the electronic device including a product database; the device includes: a filtering unit, a determining unit, a simulation unit, a generating unit, and an adding unit, wherein... The filtering unit is used to filter at least one product from the product database based on the product type of the target product and preset product indicators, wherein the preset product indicators include at least one of the following: user volume, product evaluation and product return. The determining unit is used to determine the common features of the at least one product, wherein the common features include at least one of the following: product price, functional scenarios, usage, user groups, user profiles, and user experience feedback; The determining unit is also used to determine the product parameters and external production conditions of the target product; The simulation unit is used to simulate the virtual production of the target product based on the common features, the product parameters, and the external production conditions to obtain the virtual production information of the target product. The virtual production includes virtual design and virtual operation. The virtual design refers to generating a target virtual product corresponding to the target product, including the common features and the product parameters. The virtual operation refers to adding the target virtual product to the set of business functions that the virtual bank branch can handle under the external production conditions and operating the target virtual product at the virtual bank branch. The generation unit is configured to generate the target product based on the virtual production information, wherein the virtual production information includes at least one virtual production problem generated during the virtual design and virtual operation; generating the target product based on the virtual production information includes: generating a set of virtual production problems based on the virtual production information, wherein the set of virtual production problems refers to the set consisting of the at least one virtual production problem generated during the virtual design and virtual operation; determining the target group, market positioning, product structure, break-even rate, participation rate, and issuance cycle of the target product; and generating the target product based on the set of virtual production problems, the common characteristics, the product parameters, the target group, the market positioning, the product structure, the break-even rate, the participation rate, and the issuance cycle. The adding unit is used to add the target product to the set of business functions that the virtual bank branch can handle.

8. An electronic device, characterized in that, The method includes a processor, a memory, a communication interface, and one or more programs, said one or more programs being stored in the memory and configured to be executed by the processor, said programs including instructions for performing the steps of the method as described in any one of claims 1-6.

9. A computer-readable storage medium, characterized in that, A computer program for storing electronic data interchange is provided, wherein the computer program causes a computer to perform the method as described in any one of claims 1-6.

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