Business processing method and related hardware

Abstract

The invention relates to the field of data processing, in particular to a business processing method and related hardware, which are used for solving the problem that when a user permanently ends the use of an account of the user, resources held by the user are transferred to other accounts undertaken by the user, and the business handling process is relatively tedious due to more involved businesses. The method comprises the following steps: a business handling terminal determines an account association relationship between a first account and a second account; sequentially displaying an operation authorization interface corresponding to each target service, and displaying a next authorization interface after the user triggers an authorization instruction for the current target service every time; electronic authorization file signing interfaces corresponding to the target businesses are displayed in sequence, and after the user completes signing of the current electronic authorization file every time, the next signing interface is displayed; and when the server determines that the service execution conditions are met, the target services are executed in sequence, so that the resources of the first account are transferred to the second account according to the account association relationship, and the first account is cancelled.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a business processing method and related hardware. Background Art

[0002] Currently, electronic accounts already carry a large amount of resource information held by users. However, when a user permanently terminates the use of his account, how to transfer the resources held by the user to other accounts that are taken over is relatively complicated due to the large number of businesses involved. Summary of the invention

[0003] The embodiment of the present application provides a business processing method and related hardware for solving the problem that when a user permanently terminates the use of his account, the resources held by the user are transferred to other accounts that are taken over. Due to the large number of businesses involved, the business handling process is relatively complicated.

[0004] In a first aspect, an embodiment of the present application provides a service processing method, which is applied to a service processing terminal, including:

[0005] In response to a service combination start instruction for a first account triggered by a user, determining an account association relationship between the first account and a second account; the service combination includes a plurality of target services associated in a preset order; the second account includes an account currently logged in by the service processing terminal;

[0006] The operation authorization interface corresponding to each of the target services is sequentially displayed to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed;

[0007] The electronic authorization document signing interface corresponding to each target business is sequentially displayed to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in at the business processing terminal;

[0008] Sending the trigger records of each authorization instruction and each electronic authorization file to a server; so that the server stores the electronic authorization file, and sequentially executes each target business when the business execution conditions are met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account;

[0009] The completion execution information of each target service fed back by the server is received and displayed.

[0010] In this way, for a business combination consisting of multiple target businesses, users are no longer required to perform authorization operations and sign electronic authorization documents for each business one by one in the order of the businesses. The authorization operation and signing of the electronic authorization document for the next business can be performed only after the authorization operation and signing of the electronic authorization document for the current business. This enables users to delay signing of electronic authorization documents, making the process of users confirming content information simpler, avoiding the situation where users think the business processing process is cumbersome due to the excessive number of target businesses, and effectively improving the user experience of business processing.

[0011] Optionally, determining the association relationship between the first account and the second account includes:

[0012] Inputting the target unstructured text into the association relationship analysis model, and receiving the user association relationship between the first user and the second user output by the association relationship model; the first user is the user corresponding to the first account, the second user is the user corresponding to the second account, and the target unstructured text records the user association relationship;

[0013] The account association relationship is generated based on the user association relationship.

[0014] In this way, by using machine learning technology to analyze the target unstructured text to obtain account association relationships, the information that users need to enter can be effectively reduced, thereby improving the user's business experience.

[0015] Optionally, before sequentially displaying the operation authorization interfaces corresponding to the target services to the user, the method further includes:

[0016] Displaying a resource query interface to the user, and in response to a resource query instruction triggered by the user through the resource query interface, obtaining resource information currently held by the first account from the server and displaying it to the user;

[0017] In response to a user's instruction to query the resource change details of the target resource information in the currently held resource information, a resource change detail query interface is displayed to the user. In response to a resource change detail query authorization instruction triggered by the user through the resource change detail interface, the resource change detail information of the target resource information of the first account within a preset time period is obtained from the server and displayed to the user.

[0018] In this way, the resources held by the first account can be clearly displayed, improving the user's experience in handling business.

[0019] In a second aspect, an embodiment of the present application provides a service processing method, which is applied to a server, including:

[0020] Determine the account association relationship between the first account and the second account, and receive the trigger record of the authorization instruction for each target business and the electronic authorization file corresponding to each target business sent by the business processing terminal; wherein each of the target businesses is a plurality of businesses associated in a preset order; for any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal; the electronic authorization file signing interfaces corresponding to each of the target businesses are displayed in sequence, and are displayed after the operation authorization interfaces corresponding to each of the target businesses are displayed in sequence;

[0021] When it is determined that the business execution conditions are met according to each of the trigger records and each of the electronic authorization documents, each of the target businesses is executed in sequence, and the completion execution information of each of the target businesses is fed back to the business processing terminal; so that the resources of the first account are transferred to the second account according to the account association relationship, and the first account is closed.

[0022] Optionally, if the first account has an account association relationship with multiple second accounts, and there are multiple business processing terminals in different geographical locations that respectively send trigger records of authorization instructions corresponding to the first account and electronic authorization files corresponding to the first account; then the business execution condition includes: determining that trigger records of authorization instructions for all target businesses from all second accounts corresponding to the first account and electronic authorization files generated for all target businesses from all second accounts corresponding to the first account are received within the same preset time period;

[0023] After receiving the trigger record of the user's authorization instruction for each target service and the electronic authorization file corresponding to each target service sent by the service processing terminal, the method further includes:

[0024] Saving each electronic authorization file for the first account sent by the business processing terminal, and caching a trigger record of each authorization instruction for the first account sent by the business processing terminal into a pre-processing information table corresponding to the first account;

[0025] When determining that the service execution conditions are met according to each of the trigger records and each of the electronic authorization documents, executing each of the target services in sequence specifically includes:

[0026] After each cache operation is completed, determine whether the end time of the current preset time period has been reached;

[0027] If the end time of the current preset time period has not been reached, it is determined that the electronic authorization documents generated by all the second accounts corresponding to the first account for all the target services are saved, and it is determined that the pre-processing information table contains the trigger records of the authorization instructions of all the second accounts corresponding to the first account for all the target services, and each of the target services is executed in sequence;

[0028] The method further comprises:

[0029] If the end time of the current preset time period is reached, the saved electronic authorization files generated by the second account for all the target services of the first account are deleted, and the trigger records cached in the pre-processing information table corresponding to the first account are cleared.

[0030] In this way, different second users can go to different business outlets nearby to handle the business combination for the first account. After receiving the authorization of all second accounts within the same preset time period, the server handles the corresponding target business for the first account, thereby facilitating the business handling process of the second user and improving the user experience. If the authorization of all second accounts is not received within the preset time period, the business handling for the first account fails, ensuring the timeliness of the authorization of the second user.

[0031] Optionally, determining the account association relationship between the first account and the second account specifically includes:

[0032] receiving a target unstructured text sent by the business processing terminal; the target unstructured text records a user association relationship between a first user and a second user, wherein the first user is a user corresponding to the first account, and the second user is a user corresponding to the second account;

[0033] Inputting the target unstructured text into an association relationship analysis model, and receiving the user association relationship output by the association relationship analysis model;

[0034] The account relationship information is generated based on the user association relationship analysis information.

[0035] In this way, by using machine learning technology to analyze the target unstructured text to obtain account association relationships, the information that users need to enter can be effectively reduced, thereby improving the user's business experience.

[0036] Optionally, the method further comprises:

[0037] Acquire resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource information to the user in response to a held resource query instruction triggered by the user through a resource query interface;

[0038] Obtain resource change details within a preset time period of the target resource information in the resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource change details to the user in response to the resource change details query authorization instruction triggered by the user through the resource change details query interface.

[0039] In this way, the resources held by the first account can be clearly displayed, improving the user's experience in handling business.

[0040] In a third aspect, based on the same inventive concept, the embodiment of the present application further provides a service processing method, including:

[0041] The business processing terminal determines, in response to a business combination start instruction for a first account triggered by a user, an account association relationship between the first account and a second account; the business combination includes a plurality of target businesses associated in a preset order; the second account includes the account currently logged in by the business processing terminal;

[0042] The business processing terminal sequentially displays the operation authorization interface corresponding to each of the target services to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed;

[0043] The business processing terminal sequentially displays the electronic authorization document signing interface corresponding to each target business to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in by the business processing terminal;

[0044] The business processing terminal sends the trigger record of each authorization instruction and each electronic authorization file to the server;

[0045] The server determines the account association relationship between the first account and the second account, and receives the trigger record of the authorization instruction for each target service and the electronic authorization file corresponding to each target service sent by the service processing terminal;

[0046] When the server determines that the service execution conditions are met according to each of the trigger records and each of the electronic authorization documents, it executes each of the target services in sequence; so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0047] The server feeds back completion execution information of each target service to the service processing terminal, and the service processing terminal displays the completion execution information.

[0048] In a fourth aspect, based on the same inventive concept, the embodiment of the present application further provides a business processing terminal, including:

[0049] An information entry module, configured to determine, in response to a service combination start instruction for a first account triggered by a user, an account association relationship between the first account and a second account; the service combination includes a plurality of target services associated in a preset order; the second account includes an account currently logged in by the service processing terminal;

[0050] The authorization acquisition module is used to sequentially display the operation authorization interface corresponding to each of the target services to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed;

[0051] The document signing module is used to sequentially display the electronic authorization document signing interface corresponding to each target business to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in by the business processing terminal;

[0052] A reporting module, used for sending the trigger record of each authorization instruction and each electronic authorization file to the server; so that the server stores the electronic authorization file, and determines that each target business is executed in sequence when the business execution condition is met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account;

[0053] The completion module is used to receive and display the completion execution information of each target business fed back by the server.

[0054] In a fifth aspect, based on the same inventive concept, an embodiment of the present application further provides a server, including:

[0055] A receiving module, used to determine the account association relationship between the first account and the second account, and receive the trigger record of the authorization instruction for each target business and the electronic authorization file corresponding to each target business sent by the business processing terminal; wherein each of the target businesses is a plurality of businesses associated in a preset order; for any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal; the electronic authorization file signing interfaces corresponding to each of the target businesses are displayed in sequence, and are displayed after the operation authorization interfaces corresponding to each of the target businesses are displayed in sequence;

[0056] The execution module is used to determine that the business execution conditions are met according to each of the trigger records and each of the electronic authorization documents, execute each of the target businesses in sequence, and feedback the completion execution information of each of the target businesses to the business processing terminal; so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0057] In a sixth aspect, based on the same inventive concept, an embodiment of the present application further provides an electronic device, including:

[0058] A memory for storing program instructions;

[0059] The processor is used to call the program instructions stored in the memory and execute the business processing method described in any one of the first aspect to the third aspect according to the obtained program instructions.

[0060] In the seventh aspect, based on the same inventive concept, an embodiment of the present application also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes a business processing method as described in any one of the first to third aspects.

[0061] In the eighth aspect, based on the same inventive concept, an embodiment of the present application also provides a computer program product, which includes: a computer program code, when the computer program code is run on a computer, the computer executes the business processing method described in any one of the first to third aspects.

[0062] The beneficial effects of this application are as follows:

[0063] The business processing method and related hardware provided in the embodiment of the present application, when the second user handles a business combination involving multiple target businesses for the first account of the first user, for each target business, the operation authorization interface and the electronic authorization document signing interface are displayed separately on the business processing terminal, first displaying the operation authorization interface corresponding to each target business in sequence for the user to trigger the corresponding authorization instruction, and then displaying the electronic authorization document signing interface corresponding to each target business in sequence for the second user to sign after the authorization instructions of all target businesses are triggered, and after all electronic authorization documents are signed, finally instructing the server to execute the target business in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account. For a business combination composed of multiple target businesses, the user is no longer required to perform authorization operations and sign electronic authorization documents for each business in the order of the businesses. The authorization operation and signing of the electronic authorization document for the next business can be performed only after the authorization operation and signing of the electronic authorization document for the current business, thereby realizing the delayed signing of the electronic authorization document by the user, making the process of user confirmation of content information more simple, avoiding the user's belief that the business processing process is cumbersome due to the excessive number of target businesses, and effectively improving the user experience of business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] Figure 1 A schematic diagram of the structure of the business system involved in the embodiment of the present application;

[0065] Figure 2 One of the flowcharts of a business processing method provided in an embodiment of the present application;

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

[0067] Figure 4 A flowchart of a business processing method provided in an embodiment of the present application;

[0068] Figure 5 A fourth flowchart of a business processing method provided in an embodiment of the present application;

[0069] Figure 6 A flowchart of a business processing method applied to a business processing terminal provided in an embodiment of the present application;

[0070] Figure 7 A flowchart of a service processing method applied to a server provided in an embodiment of the present application;

[0071] Figure 8 A partial flow chart of a service processing method applied to a server provided in an embodiment of the present application;

[0072] Fig. 9A schematic diagram of the structure of a business processing terminal provided in an embodiment of the present application;

[0073] Fig.10 A schematic diagram of the structure of a server provided in an embodiment of the present application;

[0074] Fig.11 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0075] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be combined with each other arbitrarily. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0076] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0077] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0078] It should be stated that the acquisition, transmission, storage, and use of data in the technical solution of this application are in compliance with the requirements of relevant national laws and regulations.

[0079] First, the devices involved in the embodiments of the present application are introduced. The embodiments of the present application can be applied to Figure 1 In the business system shown. The business system includes a server S and at least one business processing terminal C. The server S can be an independent server device or a server cluster composed of multiple server devices. The business processing terminal C can be set at a business outlet where the user handles the business. The business processing terminal C can be a self-service terminal for the user to handle the business by himself, or it can be an internal dedicated terminal that only allows the staff of the business outlet to operate and handle the business. The business processing terminal C and the server S can be connected by wired or wireless communication.

[0080] The following is a detailed description of the service processing method and related hardware provided in the embodiments of the present application.

[0081] In a first aspect, the present application provides a service processing method, such as Figure 2 and Figure 3 As shown, including:

[0082] S110: The business processing terminal determines an account association relationship between the first account and the second account in response to a business combination start instruction for the first account triggered by the user.

[0083] The service combination includes multiple target services associated in a preset order. The second account includes the account currently logged in by the service processing terminal.

[0084] It should be noted that, in order to facilitate the distinction of related concepts, in the embodiments of the present application, the user corresponding to the first account involved is referred to as the first user, the user corresponding to the second account is referred to as the second user, and the trusted high-authority user (such as the staff of the business outlet) is referred to as the third user. For the business processing terminal, unless otherwise specified, the user who triggers the corresponding operation is the user who has the right to operate the business processing terminal. For example, if the business processing terminal is a self-service terminal, the user can be the second user and / or the third user; if the business processing terminal is an internal dedicated terminal, the user is the third user.

[0085] In the specific implementation process, the business processing terminal can be provided with a human-computer interaction interface, and the user logs in to the second account through the human-computer interaction interface of the business processing terminal and triggers the business combination start instruction for the first account.

[0086] As an optional implementation, the account association relationship between the first account and the second account is obtained by the user directly inputting through the business processing terminal. For example, before the current business processing terminal executes step S110, the first user inputs the account association relationship between the first account and the second account through the corresponding business processing terminal (such as other business processing terminals) and uploads it to the server; in the step S110, the current business processing terminal responds to the business combination startup instruction for the first account triggered by the user, and obtains the account association relationship between the first account and the second account from the server. For another example, in the step S110, the business processing terminal responds to the business combination startup instruction for the first account triggered by the user, displays the account association relationship input interface, and receives the account association relationship between the first account and the second account input by the user through the account association relationship input interface. Since the account association relationship between the first account and the second account is related to the resource transfer of the first account and the account cancellation operation of the first account in the subsequent steps, it is necessary to ensure that the account association relationship between the first account and the second account is correct. Therefore, the second user or the third user can input the account association relationship between the first account and the second account through the account association relationship input interface, and the third user can confirm that the account association relationship is correct after inputting authentication information (such as the fingerprint, password, verification code, confidentiality token information, etc. corresponding to the third user).

[0087] As another optional implementation, the association relationship between the first account and the second account may be determined in the following manner:

[0088] The business processing terminal obtains the target unstructured text, inputs the target unstructured text into the association analysis model, receives the user association relationship between the first user and the second user output by the association model, and generates an account association relationship based on the user association relationship.

[0089] The target unstructured text records the user association relationship. For example, the target unstructured text includes a power of attorney issued by the first user for the second user, a judicial judgment document / arbitration decision document / notarization document involving the first user and the second user issued by a judicial institution / arbitration institution / notarization institution, the first user's will, and household registration books involving the first user and the second user.

[0090] In a specific implementation process, the account association relationship between the first account and the second account may be determined based on the user association relationship between the first user and the second user, and a first account corresponding to the first user and a second account corresponding to the second user.

[0091] In the specific implementation process, the association relationship analysis model can be deployed in the business processing terminal, or can be deployed in the server, and the embodiment of the present application does not make too many restrictions here. If the association relationship analysis model is deployed in the server, then the business processing terminal can send the target unstructured text to the server, and the server inputs the target unstructured text into the association relationship analysis model, receives the user association relationship between the first user and the second user output by the association relationship model, generates an account association relationship based on the user association relationship and feeds it back to the business processing terminal; then the business processing terminal displays the account association relationship for the second user and / or the third user to confirm whether it is correct, and the business processing terminal and the server determine the account association relationship after receiving the confirmation information triggered by the corresponding user. Further, if the second user and the third user jointly confirm whether the account association relationship is correct, the second user can first trigger the confirmation information, and then the third user enters the authentication information (such as the fingerprint, password, verification code, confidentiality token information, etc. corresponding to the third user), and after the second user triggers the confirmation information and the third user enters the authentication information, the business processing terminal and the server determine that the account association relationship is correct.

[0092] Furthermore, the association analysis model can use a large language model (LLM), by asking questions to the LLM using a preset question template, using the logical reasoning ability of the LLM to analyze the user associations recorded in the target unstructured text, and receiving the user associations output by the LLM. LLM can be a large model such as ChatGPT, Gemini, Titan, Wenxin Yiyan, Doubao, Tongyi Qianwen, and Xinghuo.

[0093] Alternatively, the association analysis model can be implemented using machine models such as pre-trained convolutional neural networks (CNN), recurrent neural networks (RNN), long short-term memory networks (LSTM), deep neural networks (DNN), deep belief nets (DBNs), transformers, bidirectional encoder representations from transformers (BERT), etc. For example, if the association analysis model is implemented using a pre-trained LSTM model, the target unstructured text can be segmented in sequence to obtain multiple tokens, and each token can be encoded to obtain a text vector, and each text vector is input into the association analysis model in a sequence, and the user association relationship output by the association analysis model is received.

[0094] Further optionally, for a dedicated association relationship analysis model implemented by a pre-trained machine model, in the process of using the dedicated association relationship analysis model to analyze the user association relationship between the first user and the second user on the target unstructured text, after the corresponding user confirms that the output user association relationship is correct, the device that deploys the model can also save the target unstructured text and user association relationship used this time as training samples. When the device that deploys the model trains the dedicated association relationship analysis model again, it uses the saved training samples for training, so as to continuously improve the accuracy of the dedicated association relationship analysis model for user association relationship analysis.

[0095] In this way, by using machine learning technology to analyze the target unstructured text to obtain account association relationships, the information that users need to enter can be effectively reduced, thereby improving the user's business experience.

[0096] S130, the service processing terminal sequentially displays the operation authorization interface corresponding to each target service to the user, wherein each time the user triggers the authorization instruction for the current target service through the current operation authorization interface, the next operation authorization interface is displayed.

[0097] In a specific implementation process, an authorization control (such as a button, an input box, etc.) may be provided on the operation authorization interface, and the user triggers the authorization instruction for the current target business by operating the authorization control.

[0098] S140, the business processing terminal sequentially displays the electronic authorization document signing interface corresponding to each target business to the second user, wherein after the second user completes signing the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed.

[0099] In the specific implementation process, after the authorization instructions of all target services are triggered, the business processing terminal will execute step S140 to display the electronic authorization document signing interface corresponding to each target service to the second user in turn, and perform the signing process of each electronic authorization document.

[0100] During the specific implementation process, the electronic authorization document can be a virtual electronic file directly displayed on the business processing terminal; the electronic authorization document can also be an electronic file generated by digitally scanning a paper authorization document, that is, the electronic file generated by digitally scanning the paper authorization document after the second user signs it is a signed electronic authorization document.

[0101] S150. The business processing terminal sends the trigger record of each authorization instruction and each electronic authorization file to the server.

[0102] In the specific implementation process, the business processing terminal can send the trigger record of the authorization instruction to the server each time the user triggers the authorization instruction for the current target business, and send the electronic authorization document to the server each time the second user completes the signing of the electronic authorization document for the current target business. Alternatively, the business processing terminal can send the trigger record of each authorization instruction and each electronic authorization document to the server only after the user's authorization instructions for all target businesses are triggered and the electronic authorization documents for all target businesses are signed. The embodiments of the present invention are not limited here. Figure 2 and Figure 3 Take the latter as an example.

[0103] S210. The server determines an account association relationship between the first account and the second account.

[0104] In the specific implementation process, the account association relationship can be uploaded to the server by the business processing terminal, or the server can determine the account association relationship and provide it to the business processing terminal. The embodiment of the present application does not make too many restrictions here. Figure 2 and Figure 3 The former is used as an example. The content of the account association relationship determined by the server and provided to the business processing terminal can be implemented by referring to the corresponding content in the previous text, and will not be repeated here. In addition, if the account association relationship can be obtained by uploading the business processing terminal to the server, and for the same first account, the account association relationships uploaded by multiple business processing terminals are different, the server can end all subsequent processes to avoid disputes over the business processing of the first account.

[0105] S220. The server saves the trigger records of each authorization instruction sent by the business processing terminal and each electronic authorization file.

[0106] During the specific implementation process, each electronic authorization document needs to be archived and stored according to accounts and businesses.

[0107] S230. When the server determines that the service execution conditions are met according to the trigger records and the electronic authorization documents, the server executes the target services in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancels the first account.

[0108] S240: The server feeds back the completion information of each target service to the service processing terminal.

[0109] S160. The business processing terminal displays execution completion information.

[0110] In the specific implementation process, the server may send the completion execution information of the target business to the business processing terminal for display each time a target business is completed in the process of executing each target business in sequence, or the server may send the completion execution information of all target businesses to the business processing terminal for display after completing the execution of all target businesses. The embodiment of the present application does not make too many restrictions here. Figure 2 and Figure 3 Take the latter as an example.

[0111] The business processing method provided in the embodiment of the present application is that when the second user handles a business combination involving multiple target businesses for the first account of the first user, the operation authorization interface and the electronic authorization document signing interface are displayed separately for each target business on the business processing terminal. First, the operation authorization interface corresponding to each target business is displayed in sequence for the user to trigger the corresponding authorization instruction. After the authorization instructions of all target businesses are triggered, the electronic authorization document signing interface corresponding to each target business is displayed in sequence for the second user to sign. After all the electronic authorization documents are signed, the server is finally ordered to execute the target business in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account. For a business combination composed of multiple target businesses, the user is no longer required to perform authorization operations and sign electronic authorization documents for each business in the order of the businesses. The authorization operation and signing of the electronic authorization document of the next business can be performed only after the authorization operation and signing of the electronic authorization document of the current business, thereby realizing the delayed signing of the electronic authorization document by the user, making the process of user confirmation of content information more simple, avoiding the user's belief that the business processing process is cumbersome due to the excessive number of target businesses, and effectively improving the user experience of business processing.

[0112] Further optionally, if the first account has an account association relationship with multiple second accounts, and there are multiple business processing terminals in different geographical locations that send authorization records of authorization instructions for each target business of the first account and electronic authorization files of each target business to the server, then the business execution conditions include: within the same preset time period, determining that trigger records of authorization instructions for all target businesses from all second accounts corresponding to the first account are received, and electronic authorization files generated by all second accounts for all target businesses.

[0113] Accordingly, if Figure 3 As shown, the step S220, the server saves the trigger records of each authorization instruction sent by the business processing terminal and each electronic authorization file, specifically including:

[0114] The server saves each electronic authorization file for the first account sent by the business processing terminal, and caches the trigger record of each authorization instruction for the first account sent by the business processing terminal to the pre-processing information table corresponding to the first account.

[0115] Furthermore, if there are different electronic authorization files of second accounts for the same target business of the same first account, the electronic authorization files can be merged into one electronic authorization file to reduce the number of stored files. For example, if there are different electronic authorization files of second accounts for the same target business of the same first account, the signatures of the second users in the electronic authorization files can be extracted into the same electronic authorization file, and other electronic authorization files corresponding to the target business of the first account can be deleted.

[0116] like Figure 3 As shown, in step S230, when the server determines that the service execution conditions are met according to each trigger record and each electronic authorization document, each target service is executed in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account, specifically including:

[0117] S231. After completing each cache operation, the server determines whether the end time of the current preset time period has arrived.

[0118] If the result of step S231 is no, step S232 is executed.

[0119] S232. The server determines whether the electronic authorization documents generated by all second accounts corresponding to the first account for all target services are saved, and determines whether the pre-processing information table contains: trigger records of authorization instructions for all target services by all second accounts corresponding to the first account.

[0120] If the results of step S232 are all yes, execute step S233; if the results of step S232 are not all yes, return to step S220.

[0121] S233: The server executes each target service in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancels the first account.

[0122] Furthermore, the method further includes: if the result of step S231 is yes, executing step S234.

[0123] S234: The server deletes all saved electronic authorization files generated by the second account for all target services of the first account, and clears the trigger records cached in the pre-processing information table corresponding to the first account.

[0124] In the specific implementation process, if there is an account association relationship between the first account and multiple second accounts, the execution of the target business of the first account must be performed under the authorization of the second users corresponding to all the second accounts. Considering that different second users may live in different areas, it may be difficult for all second users to arrive at the same business outlet at the same time to handle the business combination for the first account. Therefore, the embodiment of the present application provides the above-mentioned solution to support different second users to go to different business outlets nearby to handle the business combination for the first account. After receiving the authorization of all second accounts within the same preset time period, the server handles the corresponding target business for the first account, thereby facilitating the business handling process of the second user and improving the user experience. If the authorization of all second accounts is not received within the preset time period, the business handling for the first account fails, ensuring the timeliness of the authorization of the second user.

[0125] Alternatively, if Figure 2 and Figure 3 As shown, before sequentially displaying the operation authorization interface corresponding to each of the target services to the user, the method further includes:

[0126] S121. The business processing terminal displays a resource query interface to the user.

[0127] S122: The business processing terminal responds to the resource query instruction triggered by the user through the resource query interface, obtains the resource information currently held by the first account from the server and displays it to the user.

[0128] S123. The business processing terminal responds to the user's resource change detail query instruction for the target resource information in the currently held resource information, and displays a resource change detail query interface to the user.

[0129] S124. In response to the resource change detail query authorization instruction triggered by the user through the resource change detail interface, the business processing terminal obtains resource change detail information of the target resource information of the first account within a preset period from the server and displays it to the user.

[0130] Through the above steps, it is convenient for the second user to query the resources held by the first account and the changes in the resources, thereby improving the user's business handling experience.

[0131] The following describes in detail the specific implementation method of the technical solution provided in the embodiment of the present application in the scenario of inheritance of the first user in the account of a financial institution. Figure 4 and Figure 5 As shown, the specific steps include:

[0132] S300: The business processing terminal responds to the second account login instruction triggered by the user, obtains the account login information of the second account and performs verification, and logs in to the second account after the verification is passed.

[0133] In the specific implementation process, the account login information may include the account information of the second account and the identity information of the second user corresponding to the second account. Among them, the account information of the second account may include the account number of the second account, the password of the second account, login verification information (such as security token information, SMS verification code, etc.), etc., and the identity information of the second user may include the identity document information of the second user (such as identity card number, passport number, etc.), the name of the second user, the biometric information of the second user (such as fingerprint, face image, etc.), anti-counterfeiting information of the identity document, etc. For example, the second user can manually enter the name, account number of the second account, identity card number, and biometric information into the business processing terminal, and the business processing terminal sends these account login information to the server, and the server verifies the account login information and notifies the business processing terminal that the second account login is successful. For another example, the business processing terminal identifies the identity card of the second user by wireless induction to obtain the name, identity card number, and identity card identification information, and obtains the login verification information of the second user and sends it to the identity card information verification platform. The identity card information verification platform notifies the business processing terminal after verification, and the business processing terminal performs the operation of logging in the second account to the server.

[0134] In a specific implementation process, if the account login information of the second account is verified and it is found that the second account does not exist, the current page can be stayed or all processes can be terminated directly.

[0135] S310: The business processing terminal determines an account association relationship between the first account and the second account in response to a user-triggered instruction to start an inheritance process for the first account.

[0136] Among them, the inheritance process includes multiple target businesses associated in a preset order.

[0137] For the inheritance scenario, the account association relationship also includes the specific amount and / or proportion of the inheritance of the first account by the second account.

[0138] As an optional implementation, the account association relationship between the first account and the second account is obtained by direct input by the user through the business processing terminal. For example, before the current business processing terminal executes step S300, the first user inputs the account association relationship between the first account and the second account through the corresponding business processing terminal (such as other business processing terminals) and uploads it to the server; in the step S310 of the current business processing terminal, the business processing terminal responds to the inheritance process start instruction for the first account triggered by the user, and obtains the account association relationship between the first account and the second account from the server. For another example, in step S310, the business processing terminal responds to the inheritance process start instruction for the first account triggered by the user, displays the account association relationship input interface, and receives the account association relationship between the first account and the second account input by the user through the account association relationship input interface. Furthermore, in the step S310, the business processing terminal responds to the inheritance process start instruction for the first account triggered by the user, displays the account association relationship input interface, receives the account association relationship between the first account and the second account input by the user through the account association relationship input interface, and confirms that the account association relationship is correct after the third user enters authentication information (such as the fingerprint, password, verification code, confidentiality token information, etc. corresponding to the third user).

[0139] During the specific implementation process, if the user only inputs the association between the first account and the second account through the business processing terminal, but does not input the specific amount and / or proportion of the inheritance of the second account from the first account, the specific amount and / or proportion of the inheritance of each second account from the first account will be calculated based on the principle of equal distribution to generate an account association relationship.

[0140] As another optional implementation, the association relationship between the first account and the second account may be determined in the following manner:

[0141] The business processing terminal obtains the target unstructured text, inputs the target unstructured text into the association analysis model, receives the user association relationship between the first user and the second user output by the association model, and generates an account association relationship based on the user association relationship.

[0142] The target unstructured text records the user association relationship. For example, the target unstructured text includes legal documents such as judicial judgment documents / arbitration decision documents / notarization documents issued by judicial institutions / arbitration institutions / notarization institutions regarding the inheritance of the first user and the second user, the will of the first user, the household registration book involving the first user and the second user, and the death certificate of the first user.

[0143] In a specific implementation process, the account association relationship between the first account and the second account may be determined based on the user association relationship between the first user and the second user, and a first account corresponding to the first user and a second account corresponding to the second user.

[0144] In the specific implementation process, the association relationship analysis model can be deployed in the business processing terminal, or can be deployed in the server, and the embodiment of the present application does not make too many restrictions here. If the association relationship analysis model is deployed in the server, then the business processing terminal can send the target unstructured text to the server, and the server inputs the target unstructured text into the association relationship analysis model, receives the user association relationship between the first user and the second user output by the association relationship model, generates an account association relationship based on the user association relationship and feeds it back to the business processing terminal; then the business processing terminal displays the account association relationship for the second user and / or the third user to confirm whether it is correct, and the business processing terminal and the server determine the account association relationship after receiving the confirmation information triggered by the corresponding user. Further, if the second user and the third user jointly confirm whether the account association relationship is correct, the second user can first trigger the confirmation information, and then the third user enters the authentication information (such as the fingerprint, password, verification code, confidentiality token information, etc. corresponding to the third user), and after the second user triggers the confirmation information and the third user enters the authentication information, the business processing terminal and the server determine that the account association relationship is correct.

[0145] Furthermore, the association analysis model can use a large language model (LLM), by asking questions to the LLM using a preset question template, using the logical reasoning ability of the LLM to analyze the user associations recorded in the target unstructured text, and receiving the user associations output by the LLM. LLM can be a large model such as ChatGPT, Gemini, Titan, Wenxin Yiyan, Doubao, Tongyi Qianwen, and Xinghuo.

[0146] Alternatively, the association analysis model can be implemented using machine models such as pre-trained convolutional neural networks (CNN), recurrent neural networks (RNN), long short-term memory networks (LSTM), deep neural networks (DNN), deep belief nets (DBNs), transformers, bidirectional encoder representations from transformers (BERT), etc. For example, if the association analysis model is implemented using a pre-trained LSTM model, the target unstructured text can be segmented in sequence to obtain multiple tokens, and each token can be encoded to obtain a text vector, and each text vector is input into the association analysis model in a sequence, and the user association relationship output by the association analysis model is received.

[0147] Furthermore, if the account login information of the second account obtained in the step S300 does not include the identity information of the second user, the business processing terminal can obtain the identity information of the second user for verification during the execution of the step S310. After the verification is passed, it is confirmed that the account association relationship between the first account and the second account is correct. Otherwise, it can stay on the current page or directly end all processes.

[0148] Furthermore, according to the relevant regulations when this application was proposed, when the business processing terminal responds to the user-triggered instruction to start the inheritance process for the first account, it is also necessary to determine whether the first account meets the preset account conditions (for example, the total value of the financial assets held in the first account is less than or equal to the preset value). If the preset account conditions are met, subsequent steps can be performed. If the preset account conditions are not met, the current process is terminated, and other methods need to be used to handle the abnormal inheritance process.

[0149] S321. The business processing terminal displays a financial asset query interface to the user.

[0150] S322. The business processing terminal responds to the financial asset query instruction triggered by the user through the financial asset query interface, obtains the financial asset information currently held by the first account from the server and displays it to the user through the financial asset overview interface.

[0151] In the specific implementation process, financial assets may include savings deposits, digital RMB, bonds, financial insurance, funds, wealth management products, foreign exchange assets, loans, etc. The financial asset overview interface can display information such as the amount of financial assets, the corresponding asset status, and the corresponding certification media of the assets (such as passbooks, certificates of deposit, debit cards, credit cards, etc.).

[0152] S323. The business processing terminal responds to the user's instruction to query the details of financial asset changes of the target financial asset information in the currently held financial asset information through the financial asset overview interface, and displays a financial asset change details query interface to the user.

[0153] In the specific implementation process, interactive controls (such as buttons, input boxes, etc.) can be set on the financial asset overview interface, and users can use the interactive controls to trigger the query instructions for the details of financial asset changes of the target financial asset information. In the specific implementation process, according to the relevant regulations when this application was submitted, a regulatory statement needs to be displayed on the query interface for the details of financial asset changes: "In accordance with regulatory requirements, it is not possible to query and print the detailed records of deceased persons before their death for agents without authorization. Please handle it with caution."

[0154] S324. The business processing terminal responds to the financial asset change detail query authorization instruction triggered by the user through the financial asset change detail interface, obtains the financial asset change detail information of the target financial asset information of the first account within a preset period from the server and displays it to the user.

[0155] In the specific implementation process, interactive controls (such as buttons, input boxes, etc.) can be set on the financial asset change details interface, and the user triggers the authorization instruction for the query of the financial asset change details of the target financial asset information through the interactive controls. After that, the business processing terminal obtains the financial asset change details of the target financial asset information of the first account from the server within a preset period (the preset period is half a year in the relevant regulations when this application was filed) and displays it to the user. Furthermore, the user can print the financial asset change details.

[0156] S330: The service processing terminal sequentially displays the operation authorization interface corresponding to each target service to the user, wherein each time the user triggers the authorization instruction for the current target service through the current operation authorization interface, the next operation authorization interface is displayed.

[0157] In the specific implementation process, the operation authorization interface may be provided with authorization controls (such as buttons, input boxes, etc.), and the user triggers the authorization instruction for the current target business by operating the authorization controls. For the inheritance scenario, the target businesses included in the inheritance process include the repayment business of the loan of the first account, the financial asset inheritance business of transferring the financial assets held by the first account to the second account according to the account association relationship, the unbinding business of the first user's communication method (such as mobile phone number, email address, etc.), and the cancellation business of the first account. Among them, the account cancellation business is the last target business of the inheritance process.

[0158] S340, the business processing terminal sequentially displays the electronic authorization document signing interface corresponding to each target business to the second user, wherein after the second user completes signing the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed.

[0159] In the specific implementation process, after the authorization instructions of all target businesses are triggered, the business processing terminal will execute step S340 to display the electronic authorization document signing interface corresponding to each target business to the second user in turn, and perform the signing process of each electronic authorization document.

[0160] S350. The business processing terminal sends the trigger record of each authorization instruction and each electronic authorization file to the server.

[0161] In the specific implementation process, the business processing terminal can send the trigger record of the authorization instruction to the server each time the user triggers the authorization instruction for the current target business, and send the electronic authorization document to the server each time the second user completes the signing of the electronic authorization document for the current target business. Alternatively, the business processing terminal can send the trigger record of each authorization instruction and each electronic authorization document to the server only after the user's authorization instructions for all target businesses are triggered and the electronic authorization documents for all target businesses are signed. The embodiments of the present invention are not limited here. Figure 4 and Figure 5 Take the latter as an example.

[0162] S410: The server determines an account association relationship between the first account and the second account.

[0163] In the specific implementation process, the account association relationship can be obtained by uploading the business processing terminal to the server, or the server can determine the account association relationship and provide it to the business processing terminal. The embodiment of the present application does not make too many restrictions here. The content of the account association relationship determined by the server and provided to the business processing terminal can be implemented by referring to the corresponding content in the previous text, and will not be repeated here.

[0164] S420. The server saves the trigger records of each authorization instruction sent by the business processing terminal and each electronic authorization file.

[0165] S430. When the server determines that the business execution conditions are met according to the trigger records and the electronic authorization documents, the server executes the target businesses in sequence to transfer the financial assets of the first account to the second account according to the account association relationship, and closes the first account.

[0166] S440: The server feeds back completion information of each target service to the service processing terminal.

[0167] S360. The business processing terminal displays the completion execution information.

[0168] In the specific implementation process, the server may send the completion execution information of the target business to the business processing terminal for display each time a target business is completed in the process of executing each target business in sequence, or the server may send the completion execution information of all target businesses to the business processing terminal for display after completing the execution of all target businesses. The embodiment of the present application does not make too many restrictions here. Figure 4 and Figure 5 Take the latter as an example.

[0169] Further optionally, if there are multiple heirs (i.e., second users) corresponding to the first user, in order to facilitate each heir to inherit the estate of the first user, each second user can be required to go to the nearest business outlet within the same preset time period (e.g., one day), and each second user authorizes each target business and signs the electronic authorization document on the business processing terminal of the corresponding business outlet. When all the second users have completed the authorization of all target businesses of the first account and the signing of the electronic authorization document within the preset time period, the server executes each target business of the estate inheritance process to transfer the estate of the first account to each second account according to the account association relationship, and cancels the first account.

[0170] Then, if the first account has an account association relationship with multiple second accounts, and there are multiple business processing terminals in different geographical locations that send authorization records of authorization instructions for each target business of the first account and electronic authorization files of each target business to the server, then the business execution conditions include: within the same preset time period, determining that trigger records of authorization instructions for all target businesses from all second accounts corresponding to the first account are received, and electronic authorization files generated by all second accounts for all target businesses.

[0171] Accordingly, if Figure 5 As shown, the step S420, the server saves the trigger records of each authorization instruction sent by the business processing terminal and each electronic authorization file, specifically including:

[0172] The server saves each electronic authorization file for the first account sent by the business processing terminal, and caches the trigger record of each authorization instruction for the first account sent by the business processing terminal to the pre-processing information table corresponding to the first account.

[0173] The step S430, when the server determines that the service execution conditions are met according to the trigger records and the electronic authorization documents, executes the target services in sequence to transfer the resources of the first account to the second account according to the account association relationship and cancels the first account, specifically includes:

[0174] S431. After completing each cache operation, the server determines whether the end time of the current preset time period has arrived.

[0175] If the result of step S431 is no, step S432 is executed.

[0176] S432. The server determines whether the electronic authorization documents generated by all second accounts corresponding to the first account for all target businesses are saved, and determines whether the pre-processing information table contains: trigger records of authorization instructions for all target businesses by all second accounts corresponding to the first account.

[0177] If the results of step S432 are all yes, execute step S433; if the results of step S432 are not all yes, return to step S420.

[0178] S433: The server executes each target business in sequence to transfer the financial assets of the first account to the second account according to the account association relationship, and closes the first account.

[0179] Furthermore, the method further includes: if the result of step S431 is yes, executing step S434.

[0180] S434: The server deletes all saved electronic authorization files generated by the second account for all target services of the first account, and clears the trigger records cached in the pre-processing information table corresponding to the first account.

[0181] In the second aspect, based on the same inventive concept, the embodiment of the present application also provides a business processing method, which is applied to a business processing terminal, such as Figure 6 As shown, including:

[0182] S510: In response to a service combination start instruction for a first account triggered by a user, determine an account association relationship between the first account and a second account. The service combination includes a plurality of target services associated in a preset order. The second account includes the account currently logged in by the service processing terminal.

[0183] S530: displaying the operation authorization interface corresponding to each target service to the user in sequence, wherein after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, displaying the next operation authorization interface.

[0184] S540, sequentially displaying the electronic authorization document signing interface corresponding to each target business to the second user. After the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed. The second user is the user corresponding to the second account currently logged in by the business processing terminal.

[0185] S550: Send the trigger records of each authorization instruction and each electronic authorization file to the server, so that the server stores the electronic authorization file, and sequentially executes each target business when the business execution conditions are met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0186] S560: Receive and display the completion execution information of each target service fed back by the server.

[0187] Optionally, determining the association relationship between the first account and the second account includes:

[0188] Inputting the target unstructured text into the association relationship analysis model, and receiving the user association relationship between the first user and the second user output by the association relationship model; the first user is the user corresponding to the first account, the second user is the user corresponding to the second account, and the target unstructured text records the user association relationship;

[0189] The account association relationship is generated based on the user association relationship.

[0190] Optionally, before sequentially displaying the operation authorization interfaces corresponding to the target services to the user, the method further includes:

[0191] S521. Display a resource query interface to the user.

[0192] S522: In response to a resource query instruction triggered by the user through the resource query interface, resource information currently held by the first account is obtained from the server and displayed to the user.

[0193] S523. In response to the user's instruction to query the resource change details of the target resource information in the currently held resource information, a resource change detail query interface is displayed to the user.

[0194] S524. In response to a resource change detail query authorization instruction triggered by the user through the resource change detail interface, resource change detail information of the target resource information of the first account within a preset time period is obtained from the server and displayed to the user.

[0195] In a third aspect, based on the same inventive concept, the embodiment of the present application also provides a service processing method, which is applied to a server, such as Figure 7 As shown, including:

[0196] S610: Determine an account association relationship between the first account and the second account.

[0197] Optionally, determining the account association relationship between the first account and the second account specifically includes:

[0198] Receive the target unstructured text sent by the business processing terminal; input the target unstructured text into the association relationship analysis model, receive the user association relationship output by the association relationship analysis model; generate the account relationship information based on the user association relationship analysis information. The target unstructured text records the user association relationship between the first user and the second user, the first user is the user corresponding to the first account, and the second user is the user corresponding to the second account.

[0199] S630. Receive the trigger record of the authorization instruction for each target business sent by the business processing terminal and the electronic authorization file corresponding to each target business. Each target business is a plurality of businesses associated in a preset order. For any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal. The electronic authorization file signing interface corresponding to each target business is displayed in sequence, and is displayed after the operation authorization interface corresponding to each target business is displayed in sequence.

[0200] S640: When it is determined according to each of the trigger records and each of the electronic authorization documents that the service execution conditions are met, the target services are executed in sequence, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0201] S650: Feedback the completion information of each target service to the service processing terminal.

[0202] Optionally, if the first account has an account association relationship with multiple second accounts, and there are multiple business processing terminals in different geographical locations that respectively send trigger records of each authorization instruction corresponding to the first account and each electronic authorization file corresponding to the first account, then the business execution condition includes: within the same preset time period, determining that the trigger records of the authorization instructions of all the second accounts corresponding to the first account for all the target businesses, and the electronic authorization files generated by all the second accounts corresponding to the first account for all the target businesses are received.

[0203] After the step S630, receiving the trigger record of the user's authorization instruction for each target service and the electronic authorization file corresponding to each target service sent by the service processing terminal, the step further includes:

[0204] The electronic authorization files for the first account sent by the business processing terminal are saved, and the trigger records of the authorization instructions for the first account sent by the business processing terminal are cached in the pre-processing information table corresponding to the first account.

[0205] like Figure 8 As shown, when it is determined according to each of the trigger records and each of the electronic authorization documents that the service execution conditions are met, each of the target services is executed in sequence, specifically including:

[0206] S641: After each cache operation is completed, determine whether the end time of the current preset time period has arrived.

[0207] If the result of step S641 is no, step S642 is executed.

[0208] S642: Determine whether the electronic authorization documents generated by all second accounts corresponding to the first account for all target businesses are saved, and determine whether the pre-processing information table contains trigger records of authorization instructions for all target businesses by all second accounts corresponding to the first account.

[0209] If the results of step S642 are all yes, execute step S643; if the results of step S642 are not all yes, return to step S630.

[0210] S643: Execute each target business in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0211] The method further comprises:

[0212] If the result of step S641 is yes, step S644 is executed.

[0213] S644: Delete the saved electronic authorization documents generated by the second account for all the target services of the first account, and clear the trigger record cached in the pre-processing information table corresponding to the first account.

[0214] Optionally, the method further comprises:

[0215] S621: Acquire resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource information to the user in response to a resource query instruction triggered by the user through a resource query interface.

[0216] S622: Obtain resource change details within a preset time period of the target resource information in the resource information currently held by the first account and send the resource change details to the business processing terminal, so that the business processing terminal displays the resource change details to the user in response to the resource change details query authorization instruction triggered by the user through the resource change details query interface.

[0217] It can be understood that the business processing methods described in the second and third aspects are methods respectively applied to the business processing terminals and servers involved in the first aspect. The specific implementation methods of the business processing methods described in the second and third aspects can be implemented by referring to the corresponding content of the first aspect and will not be repeated here.

[0218] In a fourth aspect, based on the same inventive concept, the embodiment of the present application further provides a business processing terminal, such as Fig. 9 As shown, including:

[0219] The information input module M110 is used to determine the account association relationship between the first account and the second account in response to a service combination start instruction triggered by a user for the first account; the service combination includes a plurality of target services associated in a preset order; the second account includes the account currently logged in by the service processing terminal;

[0220] The authorization acquisition module M130 is used to sequentially display the operation authorization interface corresponding to each target service to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed;

[0221] The document signing module M140 is used to sequentially display the electronic authorization document signing interface corresponding to each target business to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in by the business processing terminal;

[0222] The reporting module M150 is used to send the trigger record of each authorization instruction and each electronic authorization file to the server; so that the server stores the electronic authorization file, and determines that each target business is executed in sequence when the business execution condition is met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account;

[0223] The completion module M160 is used to receive and display the completion execution information of each target service fed back by the server.

[0224] Optionally, determining the association relationship between the first account and the second account includes:

[0225] Inputting the target unstructured text into the association relationship analysis model, and receiving the user association relationship between the first user and the second user output by the association relationship model; the first user is the user corresponding to the first account, the second user is the user corresponding to the second account, and the target unstructured text records the user association relationship;

[0226] The account association relationship is generated based on the user association relationship.

[0227] Optionally, the device further comprises:

[0228] A query module M120, configured to display a resource query interface to a user, and in response to a resource query instruction triggered by the user through the resource query interface, obtain resource information currently held by the first account from a server and display the information to the user;

[0229] In response to a user's instruction to query the resource change details of the target resource information in the currently held resource information, a resource change detail query interface is displayed to the user. In response to a resource change detail query authorization instruction triggered by the user through the resource change detail interface, the resource change detail information of the target resource information of the first account within a preset time period is obtained from the server and displayed to the user.

[0230] In a fifth aspect, based on the same inventive concept, the embodiment of the present application further provides a server, such as Fig.10 As shown, including:

[0231] The receiving module M210 is used to determine the account association relationship between the first account and the second account, and receive the trigger record of the authorization instruction for each target business and the electronic authorization file corresponding to each target business sent by the business processing terminal; wherein each of the target businesses is a plurality of businesses associated in a preset order; for any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal; the electronic authorization file signing interfaces corresponding to each of the target businesses are displayed in sequence, and are displayed after the operation authorization interfaces corresponding to each of the target businesses are displayed in sequence;

[0232] The execution module M230 is used to determine that the business execution conditions are met according to each of the trigger records and each of the electronic authorization documents, execute each of the target businesses in sequence, and feedback the completion execution information of each of the target businesses to the business processing terminal; so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

[0233] Optionally, if the first account has an account association relationship with multiple second accounts, and there are multiple business processing terminals in different geographical locations that respectively send trigger records of authorization instructions corresponding to the first account and electronic authorization files corresponding to the first account; then the business execution condition includes: determining that trigger records of authorization instructions for all target businesses from all second accounts corresponding to the first account and electronic authorization files generated for all target businesses from all second accounts corresponding to the first account are received within the same preset time period;

[0234] The receiving module M210 is further used to: save each electronic authorization file for the first account sent by the business processing terminal, and cache the trigger record of each authorization instruction for the first account sent by the business processing terminal to the pre-processing information table corresponding to the first account;

[0235] The execution module M230 is specifically used for:

[0236] After each cache operation is completed, determine whether the end time of the current preset time period has been reached;

[0237] If the end time of the current preset time period has not been reached, it is determined that the electronic authorization documents generated by all the second accounts corresponding to the first account for all the target services are saved, and it is determined that the pre-processing information table contains the trigger records of the authorization instructions of all the second accounts corresponding to the first account for all the target services, and each of the target services is executed in sequence; so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account;

[0238] If the end time of the current preset time period is reached, the saved electronic authorization files generated by the second account for all the target services of the first account are deleted, and the trigger records cached in the pre-processing information table corresponding to the first account are cleared.

[0239] Optionally, determining the account association relationship between the first account and the second account specifically includes:

[0240] receiving a target unstructured text sent by the business processing terminal; the target unstructured text records a user association relationship between a first user and a second user, wherein the first user is a user corresponding to the first account, and the second user is a user corresponding to the second account;

[0241] Inputting the target unstructured text into an association relationship analysis model, and receiving the user association relationship output by the association relationship analysis model;

[0242] The account relationship information is generated based on the user association relationship analysis information.

[0243] Optionally, the server further includes:

[0244] A query module M220, configured to obtain resource information currently held by the first account and send the information to the business processing terminal, so that the business processing terminal displays the resource information to the user in response to a resource query instruction triggered by the user through a resource query interface;

[0245] Obtain resource change details within a preset time period of the target resource information in the resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource change details to the user in response to the resource change details query authorization instruction triggered by the user through the resource change details query interface.

[0246] It should be understood that the disclosed business processing terminal and server can be implemented in other ways. The business processing terminal and server embodiments described above are only schematic. For example, the division of the modules is only a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms. The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, they may be located in one place, or they may be distributed on multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of this embodiment. In addition, each functional module in the embodiment of the present application can be integrated in a processing module, or each module can exist physically separately, or two or more modules can be integrated in one module. The above-mentioned integrated modules can be implemented in the form of hardware or in the form of software functional modules. If the integrated module is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable storage medium.

[0247] Since the specific working principles of the business processing terminal and the server are respectively consistent with the business processing methods described above, the corresponding implementations may refer to the contents of the business processing methods described in the first to third aspects above, and will not be repeated here.

[0248] Based on the same inventive concept, an embodiment of the present application provides an electronic device, such as Fig.11 As shown, the device includes a processor 110 and a memory 120. The processor 110 is configured to execute the instructions to implement the service processing method as described in any one of the first aspect to the third aspect.

[0249] In the specific implementation process, the device may have relatively large differences due to different configurations or performances, and may include one or more processors 110, memory 120, and computer-readable storage medium 130. The memory 120 and / or computer-readable storage medium 130 include one or more applications 131 or data 132. The memory 120 and / or computer-readable storage medium 130 may also include one or more operating systems 133, such as Windows, Mac OS, Linux, IOS, Android, Unix, FreeBSD, etc. Among them, the memory 120 and the computer-readable storage medium 130 may be short-term storage or persistent storage. The application 131 may include one or more modules ( Fig.11 ), each module may include a series of instruction operations. Further, the processor 110 may be configured to communicate with the computer-readable storage medium 130, and execute a series of instruction operations in the computer-readable storage medium 130 on the device. The device may also include one or more power supplies ( Fig.11 one or more network interfaces 140, wherein the network interface 140 includes a wired network interface 141 and / or a wireless network interface 142; and one or more input / output interfaces 143.

[0250] Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a computer, the computer executes the business processing method as described in any one of the first to third aspects.

[0251] The computer-readable storage medium may be any available medium that can be stored by a computer or a data storage device such as a server or a data center that includes one or more available media. The available medium may be a magnetic medium (such as a floppy disk, a hard disk, a magnetic tape), an optical medium (such as a high-density digital video disc (DVD), a video compact disc (VCD)), or a semiconductor medium (such as a solid-state disk (SSD)).

[0252] Since the principle of solving the problem by the above-mentioned computer-readable storage medium is consistent with the business processing method described in the first to third aspects, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0253] Based on the same inventive concept, an embodiment of the present application also provides a computer program product, which includes: a computer program code, when the computer program code runs on a computer, enables the computer to execute the business processing method as described in any one of the first to third aspects.

[0254] The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions may be stored in a computer-readable storage medium, or transmitted from a computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions may be transmitted from a website site, a computer, a server, or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server, or data center.

[0255] Since the principle of solving the problem by the above-mentioned computer program product is consistent with the business processing method described in the first to third aspects, the implementation of the above-mentioned computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0256] The business processing method provided in the embodiment of the present application is that when the second user handles a business combination involving multiple target businesses for the first account of the first user, the operation authorization interface and the electronic authorization document signing interface are displayed separately for each target business on the business processing terminal. First, the operation authorization interface corresponding to each target business is displayed in sequence for the user to trigger the corresponding authorization instruction. After the authorization instructions of all target businesses are triggered, the electronic authorization document signing interface corresponding to each target business is displayed in sequence for the second user to sign. After all the electronic authorization documents are signed, the server is finally ordered to execute the target business in sequence to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account. For a business combination composed of multiple target businesses, the user is no longer required to perform authorization operations and sign electronic authorization documents for each business in the order of the businesses. The authorization operation and signing of the electronic authorization document of the next business can be performed only after the authorization operation and signing of the electronic authorization document of the current business, thereby realizing the delayed signing of the electronic authorization document by the user, making the process of user confirmation of content information more simple, avoiding the user's belief that the business processing process is cumbersome due to the excessive number of target businesses, and effectively improving the user experience of business processing.

[0257] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0258] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0259] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0260] These computer program instructions may also be loaded onto a computer or other programmable data processing device so that a series of user-operated steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0261] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A business processing method, characterized in that: Applied to business processing terminals, including: In response to a service combination start instruction for a first account triggered by a user, determining an account association relationship between the first account and a second account; the service combination includes a plurality of target services associated in a preset order; the second account includes an account currently logged in by the service processing terminal; The operation authorization interface corresponding to each of the target services is sequentially displayed to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed; The electronic authorization document signing interface corresponding to each target business is sequentially displayed to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in to the business processing terminal; Sending the trigger records of each authorization instruction and each electronic authorization file to a server; so that the server stores the electronic authorization file, and sequentially executes each target business when the business execution conditions are met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account; The completion execution information of each target service fed back by the server is received and displayed.

2. The method according to claim 1, characterized in that The determining the association relationship between the first account and the second account includes: Inputting the target unstructured text into the association relationship analysis model, and receiving the user association relationship between the first user and the second user output by the association relationship model; the first user is the user corresponding to the first account, the second user is the user corresponding to the second account, and the target unstructured text records the user association relationship; The account association relationship is generated based on the user association relationship.

3. The method according to claim 1, characterized in that Before sequentially displaying the operation authorization interfaces corresponding to the target services to the user, the method further includes: Displaying a resource query interface to the user, and in response to a resource query instruction triggered by the user through the resource query interface, obtaining resource information currently held by the first account from the server and displaying it to the user; In response to a user's instruction to query the resource change details of the target resource information in the currently held resource information, a resource change detail query interface is displayed to the user. In response to a resource change detail query authorization instruction triggered by the user through the resource change detail interface, the resource change detail information of the target resource information of the first account within a preset time period is obtained from the server and displayed to the user.

4. A business processing method, characterized in that: Applicable to servers, including: Determine the account association relationship between the first account and the second account, and receive the trigger record of the authorization instruction for each target business and the electronic authorization file corresponding to each target business sent by the business processing terminal; wherein each of the target businesses is a plurality of businesses associated in a preset order; for any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal; the electronic authorization file signing interfaces corresponding to each of the target businesses are displayed in sequence, and are displayed after the operation authorization interfaces corresponding to each of the target businesses are displayed in sequence; When it is determined that the business execution conditions are met according to each of the trigger records and each of the electronic authorization documents, each of the target businesses is executed in sequence, and the completion execution information of each of the target businesses is fed back to the business processing terminal; so that the resources of the first account are transferred to the second account according to the account association relationship, and the first account is closed.

5. The method according to claim 4, characterized in that If a first account has an account association relationship with multiple second accounts, and multiple business processing terminals in different geographical locations respectively send trigger records of each authorization instruction corresponding to the first account and each electronic authorization file corresponding to the first account; The service execution condition includes: determining that a trigger record of authorization instructions for all target services from all second accounts corresponding to the first account is received within the same preset time period, and an electronic authorization document generated by all second accounts corresponding to the first account for all target services; After receiving the trigger record of the user's authorization instruction for each target service and the electronic authorization file corresponding to each target service sent by the service processing terminal, the method further includes: Saving each electronic authorization file for the first account sent by the business processing terminal, and caching a trigger record of each authorization instruction for the first account sent by the business processing terminal into a pre-processing information table corresponding to the first account; When determining that the service execution conditions are met according to each of the trigger records and each of the electronic authorization documents, executing each of the target services in sequence specifically includes: After each cache operation is completed, determine whether the end time of the current preset time period has been reached; If the end time of the current preset time period has not been reached, it is determined that the electronic authorization documents generated by all the second accounts corresponding to the first account for all the target services are saved, and it is determined that the pre-processing information table contains the trigger records of the authorization instructions of all the second accounts corresponding to the first account for all the target services, and each of the target services is executed in sequence; The method further comprises: If the end time of the current preset time period is reached, the saved electronic authorization files generated by the second account for all the target services of the first account are deleted, and the trigger records cached in the pre-processing information table corresponding to the first account are cleared.

6. The method according to claim 4, characterized in that The determining of the account association relationship between the first account and the second account specifically includes: receiving a target unstructured text sent by the business processing terminal; the target unstructured text records a user association relationship between a first user and a second user, wherein the first user is a user corresponding to the first account, and the second user is a user corresponding to the second account; Inputting the target unstructured text into an association relationship analysis model, and receiving the user association relationship output by the association relationship analysis model; The account relationship information is generated based on the user association relationship analysis information.

7. The method according to claim 4, characterized in that The method further comprises: Acquire resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource information to the user in response to a held resource query instruction triggered by the user through a resource query interface; Obtain resource change details within a preset time period of the target resource information in the resource information currently held by the first account and send it to the business processing terminal, so that the business processing terminal displays the resource change details to the user in response to the resource change details query authorization instruction triggered by the user through the resource change details query interface.

8. A business processing method, characterized in that: include: The business processing terminal determines, in response to a business combination start instruction for a first account triggered by a user, an account association relationship between the first account and a second account; the business combination includes a plurality of target businesses associated in a preset order; the second account includes the account currently logged in by the business processing terminal; The business processing terminal sequentially displays the operation authorization interface corresponding to each of the target services to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed; The business processing terminal sequentially displays the electronic authorization document signing interface corresponding to each target business to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in by the business processing terminal; The business processing terminal sends the trigger record of each authorization instruction and each electronic authorization file to the server; The server determines the account association relationship between the first account and the second account, and receives the trigger record of the authorization instruction for each target service and the electronic authorization file corresponding to each target service sent by the service processing terminal; When the server determines that the service execution conditions are met according to the trigger records and the electronic authorization documents, the server executes the target services in sequence; transfers the resources of the first account to the second account according to the account association relationship, and cancels the first account; The server feeds back completion execution information of each target service to the service processing terminal, and the service processing terminal displays the completion execution information.

9. A business handling terminal, characterized in that: include: An information entry module, configured to determine, in response to a service combination start instruction for a first account triggered by a user, an account association relationship between the first account and a second account; the service combination includes a plurality of target services associated in a preset order; the second account includes an account currently logged in by the service processing terminal; The authorization acquisition module is used to sequentially display the operation authorization interface corresponding to each of the target services to the user; wherein, after the user triggers the authorization instruction for the current target service through the current operation authorization interface each time, the next operation authorization interface is displayed; The document signing module is used to sequentially display the electronic authorization document signing interface corresponding to each target business to the second user; wherein, after the second user completes the signing of the electronic authorization document of the current target business through the current electronic authorization document signing interface each time, the next electronic authorization document signing interface is displayed; the second user is the user corresponding to the second account currently logged in by the business processing terminal; A reporting module, used for sending the trigger record of each authorization instruction and each electronic authorization file to the server; so that the server stores the electronic authorization file, and determines that each target business is executed in sequence when the business execution condition is met according to each trigger record and each electronic authorization file, so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account; The completion module is used to receive and display the completion execution information of each target business fed back by the server.

10. A server, characterized in that: include: A receiving module, used to determine the account association relationship between the first account and the second account, and receive the trigger record of the authorization instruction for each target business and the electronic authorization file corresponding to each target business sent by the business processing terminal; wherein each of the target businesses is a plurality of businesses associated in a preset order; for any target business, the authorization instruction corresponding to the target business is triggered through the operation authorization interface displayed by the business processing terminal, and the electronic authorization file corresponding to the target business is generated by receiving the user's signature through the electronic authorization file signing interface displayed by the business processing terminal; the electronic authorization file signing interfaces corresponding to each of the target businesses are displayed in sequence, and are displayed after the operation authorization interfaces corresponding to each of the target businesses are displayed in sequence; The execution module is used to determine that the business execution conditions are met according to each of the trigger records and each of the electronic authorization documents, execute each of the target businesses in sequence, and feedback the completion execution information of each of the target businesses to the business processing terminal; so as to transfer the resources of the first account to the second account according to the account association relationship, and cancel the first account.

11. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the business processing method according to any one of claims 1 to 8 according to the obtained program instructions.

12. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the business processing method according to any one of claims 1 to 8.

13. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is enabled to execute the business processing method according to any one of claims 1 to 8.

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