Method, device and equipment for handling public accumulation fund extraction service and medium

Abstract

The invention relates to the technical field of electronics, in particular to a method, a device and equipment for handling a public accumulation fund extraction service and a medium, and aims to solve the problem that online notification commitment is not performed when the public accumulation fund extraction service is handled. The method comprises the steps that when it is determined that a target object transacts a public accumulation fund extraction service for the first time, the target object is informed of the corresponding service, the target object is helped to know the risk of dishonesty caused by illegal public accumulation fund extraction, and then the behavior of illegal public accumulation fund extraction is prevented. When it is determined that the target object has signed the notification commitment book, the notification commitment effectiveness of the target object for handling the accumulation fund extraction business is predicted based on the historical behavior data generated when the target object handles the business in the historical period of each business system, data support is provided for business examination and approval decision, the business examination and approval time is greatly shortened, and the business examination and approval efficiency is improved. And the business handling efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of electronic technology, and in particular to a method, device, equipment and medium for handling provident fund withdrawal business. Background Art

[0002] Housing fund withdrawal is a high-frequency business in the e-government system, involving multiple business scenarios such as housing withdrawal and rental withdrawal. The traditional housing fund management system adopts a centralized storage architecture, and data is easy to tamper with. In order to solve the problem of poor data security, a housing fund withdrawal method based on blockchain has been proposed.

[0003] Based on the provident fund withdrawal application submitted by the user, the system queries the user's pre-recorded facial information, provident fund contract and other related information, and then verifies the user's identity based on the relevant information obtained. After the verification is passed, the user is allowed to perform operations such as provident fund withdrawal and transfer.

[0004] However, the above plan does not provide online notification and commitment to users, so users cannot learn about the risk of default caused by illegal withdrawal of provident funds, and thus cannot prevent the occurrence of illegal withdrawal of provident funds.

[0005] In view of this, this application proposes a method for handling provident fund withdrawal business. Summary of the invention

[0006] The embodiments of the present application provide a method, device, equipment and medium for handling provident fund withdrawal business, which are used to solve the problem of not making online notification and commitment when handling provident fund withdrawal business.

[0007] In a first aspect, the present application provides a method for handling provident fund withdrawal business, the method comprising:

[0008] Obtaining the housing fund withdrawal request of the target object, and when determining that the target object is applying for the housing fund withdrawal business for the first time, informing and promising the target object of the corresponding business;

[0009] When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained, and the current commitment credibility is based on the behavior sequence of the target object to predict the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business, and the behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system;

[0010] Based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

[0011] The method for handling provident fund withdrawal business proposed in this application, when it is determined that the target object is handling the provident fund withdrawal business for the first time, will make a notification and commitment to the corresponding business to help the target object understand the risk of default caused by illegal withdrawal of provident funds, thereby preventing the occurrence of illegal withdrawal of provident funds. When it is determined that the target object has signed the notification and commitment letter, based on the historical behavior data generated by the target object when handling business in the historical cycle of each business system, the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business is predicted, providing data support for business approval decisions, greatly shortening the business review time, and improving business handling efficiency.

[0012] In a possible embodiment, when determining that the target object has signed the notification and commitment letter, obtaining the current commitment credibility of the target object includes:

[0013] When it is determined that the target object has signed the notification and commitment letter, query the current commitment credibility of the target object, where the current commitment credibility is obtained based on the behavior sequence of the target object by the timed prediction task triggered by the first publication of the notification and commitment matter;

[0014] When the current commitment credibility of the target object is not found, the commitment prediction task for the target object is triggered, and the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business is predicted based on the target object's behavior sequence to obtain the current commitment credibility of the target object.

[0015] In a possible embodiment, the current commitment credibility of the target object is obtained by performing the following operations:

[0016] Initialize prediction of the behavior sequence of the target object to obtain the initial state probability of the target object in each commitment state;

[0017] Based on the behavior sequence of the target object and the initial state probabilities of the respective commitment states, a state transition probability matrix of the target object transferring from one commitment state to other commitment states is obtained respectively;

[0018] Based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing the other commitment states when in the one commitment state;

[0019] Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, the effectiveness of the target object's informed commitment in handling provident fund withdrawal business is predicted to obtain the target object's current commitment credibility.

[0020] In a possible embodiment, the scheduled prediction task initiated by publishing the notification and commitment matters performs the following operations to obtain the behavior sequence of the target object:

[0021] When the notification and commitment matters are first announced, a list of authentication objects handling business in each business system is obtained;

[0022] Based on the object identity information of the target object recorded in the authentication object list, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0023] In a possible embodiment, the commitment prediction task for the target object is executed to perform the following operations to obtain the behavior sequence of the target object:

[0024] Based on the object identity information carried in the provident fund withdrawal request, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0025] In a possible embodiment, when determining that the target object is applying for a provident fund withdrawal business for the first time, informing and promising the target object of the corresponding business includes:

[0026] When it is determined that the target object is applying for a housing fund withdrawal business for the first time, obtaining a notification and commitment letter associated with the housing fund withdrawal business, wherein the notification and commitment letter is obtained by filling in a default notification and commitment letter template associated with the housing fund withdrawal matter based on the housing fund withdrawal request of the target object, and the notification and commitment letter template is obtained by configuring various notification and commitment fields associated with the housing fund withdrawal matter;

[0027] The target object is shown the notification and commitment letter, and is prompted to read and sign the notification and commitment letter.

[0028] In a possible embodiment, the processing of the provident fund withdrawal service for the target object based on the provident fund withdrawal request of the target object, the signed notification and commitment letter, and the current commitment credibility includes:

[0029] When the target object's current commitment credibility exceeds the set credibility threshold, based on the target object's housing fund withdrawal request and the signed notification and commitment letter, the target object is automatically approved to withdraw housing fund;

[0030] When the current commitment credibility of the target object is less than the set credibility threshold, the target object is subject to a business review based on the provident fund withdrawal request of the target object and the signed notification and commitment letter. When the review is passed, the target object is approved to withdraw the provident fund.

[0031] In a possible embodiment, after obtaining the provident fund withdrawal request of the target object, the method further includes:

[0032] When it is determined that the target object is not applying for the housing fund withdrawal business for the first time, based on the object identity information carried in the housing fund withdrawal request, the notification and commitment letter previously signed by the target object and associated with the housing fund withdrawal matter is read, and the current commitment credibility of the target object is obtained;

[0033] Based on the provident fund withdrawal request of the target object, the signed notice and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

[0034] In a second aspect, the present application provides a device for handling provident fund withdrawal business, the device comprising:

[0035] The notification and commitment unit is used to obtain the housing fund withdrawal request of the target object, and when it is determined that the target object is applying for the housing fund withdrawal business for the first time, to make a notification and commitment to the target object for the corresponding business;

[0036] When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained, and the current commitment credibility is based on the behavior sequence of the target object to predict the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business, and the behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system;

[0037] The business processing unit is used to process the provident fund withdrawal business for the target object based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility.

[0038] In a possible embodiment, the notification and commitment unit is used to:

[0039] When it is determined that the target object has signed the notification and commitment letter, query the current commitment credibility of the target object, where the current commitment credibility is obtained based on the behavior sequence of the target object by the timed prediction task triggered by the first publication of the notification and commitment matter;

[0040] When the current commitment credibility of the target object is not found, the commitment prediction task for the target object is triggered, and the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business is predicted based on the target object's behavior sequence to obtain the current commitment credibility of the target object.

[0041] In a possible embodiment, the notifying and committing unit obtains the current commitment credibility of the target object by performing the following operations:

[0042] Initialize prediction of the behavior sequence of the target object to obtain the initial state probability of the target object in each commitment state;

[0043] Based on the behavior sequence of the target object and the initial state probabilities of the respective commitment states, a state transition probability matrix of the target object transferring from one commitment state to other commitment states is obtained respectively;

[0044] Based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing the other commitment states when in the one commitment state;

[0045] Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, the effectiveness of the target object's informed commitment in handling provident fund withdrawal business is predicted to obtain the target object's current commitment credibility.

[0046] In a possible embodiment, the notification and commitment unit runs the scheduled prediction task initiated by publishing the notification and commitment matter and performs the following operations to obtain the behavior sequence of the target object:

[0047] When the notification and commitment matters are first announced, a list of authentication objects handling business in each business system is obtained;

[0048] Based on the object identity information of the target object recorded in the authentication object list, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0049] In a possible embodiment, the notification and commitment unit runs the commitment prediction task for the target object by performing the following operations to obtain the behavior sequence of the target object:

[0050] Based on the object identity information carried in the provident fund withdrawal request, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0051] In a possible embodiment, the notification and commitment unit is used to:

[0052] When it is determined that the target object is applying for a housing fund withdrawal business for the first time, obtaining a notification and commitment letter associated with the housing fund withdrawal business, wherein the notification and commitment letter is obtained by filling in a default notification and commitment letter template associated with the housing fund withdrawal matter based on the housing fund withdrawal request of the target object, and the notification and commitment letter template is obtained by configuring various notification and commitment fields associated with the housing fund withdrawal matter;

[0053] The target object is shown the notification and commitment letter, and is prompted to read and sign the notification and commitment letter.

[0054] In a possible embodiment, the business processing unit is used to:

[0055] When the target object's current commitment credibility exceeds the set credibility threshold, based on the target object's housing fund withdrawal request and the signed notification and commitment letter, the target object is automatically approved to withdraw housing fund;

[0056] When the current commitment credibility of the target object is less than the set credibility threshold, the target object is subject to a business review based on the provident fund withdrawal request of the target object and the signed notification and commitment letter. When the review is passed, the target object is approved to withdraw the provident fund.

[0057] In a possible embodiment, after obtaining the housing provident fund withdrawal request of the target object, the business processing unit is used to:

[0058] When it is determined that the target object is not applying for the housing fund withdrawal business for the first time, based on the object identity information carried in the housing fund withdrawal request, the notification and commitment letter previously signed by the target object and associated with the housing fund withdrawal matter is read, and the current commitment credibility of the target object is obtained;

[0059] Based on the provident fund withdrawal request of the target object, the signed notice and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

[0060] In a third aspect, the present application provides an electronic device, including:

[0061] A memory for storing program instructions;

[0062] The processor is used to call the program instructions stored in the memory, and execute the steps included in the method for handling provident fund withdrawal business described in any one of the first aspects according to the obtained program instructions.

[0063] In a fourth aspect, the present application 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 the method for handling provident fund withdrawal business described in any one of the first aspects.

[0064] In a fifth aspect, the present application provides a computer program product, comprising: a computer program code, which, when executed on a computer, enables the computer to execute the method for handling provident fund withdrawal business as described in any one of the first aspects. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] Figure 1A A schematic diagram of the overall architecture of the informed consent system provided in the embodiment of the present application;

[0066] Figure 1B A schematic diagram of a process for handling provident fund withdrawal business for a target object provided in an embodiment of the present application;

[0067] Figure 1C A schematic diagram of the face recognition authentication interface of the informed consent applet provided in the embodiment of the present application;

[0068] Figure 1D A schematic diagram of an electronic signature provided in an embodiment of the present application;

[0069] Figure 1E A schematic diagram of the historical notification and commitment record interface provided in an embodiment of the present application;

[0070] Figure 1F A schematic diagram of the process of publishing notification and commitment matters on the notification and commitment management platform provided in the embodiment of the present application;

[0071] Figure 1G A schematic diagram of a process for obtaining the current commitment credibility of a target object provided in an embodiment of the present application;

[0072] Figure 1H A schematic diagram of a flow chart of obtaining a behavior sequence of a target object when executing a timing prediction task provided in an embodiment of the present application;

[0073] Fig. 1I A schematic diagram of the framework structure of the computing engine provided in the embodiment of the present application;

[0074] Figure 1J A schematic diagram of the model training process provided in the embodiment of the present application;

[0075] Figure 1K A schematic diagram of a process for predicting the effectiveness of a target object's notification and commitment based on the target object's behavior sequence and given model parameters provided in an embodiment of the present application;

[0076] Figure 1L A logical diagram for predicting the effectiveness of a target object's notification and commitment based on the target object's behavior sequence and given model parameters provided in an embodiment of the present application;

[0077] Figure 1M A schematic diagram of the notification and commitment details page provided for an embodiment of the present application;

[0078] Figure 2A A complete flow chart of the housing provident fund withdrawal business for the target object provided in the embodiment of the present application;

[0079] Figure 2B A complete logic diagram of handling provident fund withdrawal business for the target object provided in the embodiment of the present application;

[0080] Figure 3 A structural diagram of a device for handling provident fund withdrawal business provided in an embodiment of the present application;

[0081] Figure 4 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0082] 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 arbitrarily combined with each other. 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.

[0083] 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.

[0084] 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.

[0085] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0086] Before introducing the method for handling the provident fund withdrawal business provided in the embodiment of the present application, in order to facilitate understanding, the technical background of the embodiment of the present application is first introduced in detail below.

[0087] Housing fund withdrawal is a high-frequency business in the e-government system, involving multiple business scenarios such as housing withdrawal and rental withdrawal. The traditional housing fund management system adopts a centralized storage architecture, and data is easy to tamper with. In order to solve the problem of poor data security, a housing fund withdrawal method based on blockchain has been proposed.

[0088] Based on the provident fund withdrawal application submitted by the user, the system queries the user's pre-recorded facial information, provident fund contract and other related information, and then verifies the user's identity based on the relevant information obtained. After the verification is passed, the user is allowed to perform operations such as provident fund withdrawal and transfer.

[0089] However, the above plan does not provide online notification and commitment to users, so users cannot learn about the risk of default caused by illegal withdrawal of provident funds, and thus cannot prevent the occurrence of illegal withdrawal of provident funds.

[0090] In view of this, the present application proposes a method for handling provident fund withdrawal business. The method obtains the provident fund withdrawal request of the target object, and when it is determined that the target object is handling the provident fund withdrawal business for the first time, the target object is informed and promised about the corresponding business; when it is determined that the target object has signed the notice and commitment letter, the target object's current commitment credibility is obtained. The current commitment credibility is based on the target object's behavior sequence, and the effectiveness of the notice and commitment of the target object in handling the provident fund withdrawal business is predicted. The behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system; based on the target object's provident fund withdrawal request, the signed notice and commitment letter, and the current commitment credibility, the provident fund withdrawal business is handled for the target object.

[0091] The method for handling provident fund withdrawal business proposed in this application, when it is determined that the target object is handling the provident fund withdrawal business for the first time, will make a notification and commitment to the corresponding business to help the target object understand the risk of default caused by illegal withdrawal of provident funds, thereby preventing the occurrence of illegal withdrawal of provident funds. When it is determined that the target object has signed the notification and commitment letter, based on the historical behavior data generated by the target object when handling business in the historical cycle of each business system, the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business is predicted, providing data support for business approval decisions, greatly shortening the business review time, and improving business handling efficiency.

[0092] This application is designed based on the current business situation. Figure 1A The informed consent system shown in the figure has newly added an informed consent system mini program, an informed consent management platform, and a blockchain informed consent application system.

[0093] Among them, the user interface (UI) was developed with simplicity and ease of operation as the main design ideas, and a notification and commitment system applet was built that is compatible with multiple operating systems. As a channel, the notification and commitment system applet provides an interactive entrance for online notification and commitment for the target objects of housing provident fund withdrawal business, and connects with the unified identity authentication platform, housing provident fund business platform and blockchain notification and commitment application system, including identity authentication, personal verification, face recognition, signing of notification and commitment, viewing of notification and commitment data and other functions, so that business can be handled without leaving home, greatly improving the convenience of handling affairs.

[0094] As the management end, the notification and commitment management platform provides a management entrance for notification and commitment matters, including access to notification and commitment matters, management of notification and commitment matters, authority control, editing, viewing, training of commitment credibility models, and prediction of commitment credibility. By predicting the effectiveness of the notification and commitment of the target object in handling provident fund withdrawal business, it provides data support for business approval decisions and solves the problems of long business review time and low work efficiency.

[0095] Relying on the foundation capability of the blockchain platform, a blockchain notification and commitment application system is built. As the main processing system for online notification and commitment, the system mainly includes docking business systems, application access, unified chain writing service, unified chain reading service, on-chain query service, notification and commitment data management, user data management, backend as a Service (BaaS) platform block mapping and other functions. The notification and commitment system component is embedded in the overall process of provident fund withdrawal business, the overall business process is optimized, and the business data of each link of the business process is put on the chain, which ensures that the overall business data is traceable and tamper-proof, and solves the problem of poor data security. At present, due to the fact that all business data are not shared between various business processing systems, it is necessary to repeatedly submit multiple service materials when handling provident fund withdrawal business in different places, which is cumbersome and increases the difficulty of business handling. The blockchain notification and commitment application system realizes the chaining of business data in each link of the business process. When handling provident fund withdrawal business in different places, the unified chain reading service of the blockchain notification and commitment application system is called to read the service materials required for handling business from the blockchain comprehensive management platform, which solves the problem of repeated submission of service materials by the target object, and covers a variety of application scenarios of local and different business handling.

[0096] This application also supports abstracting the notification and commitment system, encapsulating it into a unified component, and promoting and applying it as a basic component in other government business systems. By combining the advantages of blockchain and the convenience of online notification and commitment, when handling other government service matters, notification and commitment will be made to the person handling the business, and the business data of each link in the business process will be uploaded to the chain to improve data security.

[0097] The method proposed in the embodiment of the present application is applied to the system of notification and commitment. The process of using the above method to handle the housing provident fund withdrawal business for the target object is as follows: Figure 1B shown.

[0098] S101: Obtaining a housing fund withdrawal request from a target object, and when determining that it is the first time for the target object to apply for housing fund withdrawal, informing and promising the target object of the corresponding business.

[0099] Through provident fund channels such as government service halls, self-service terminals, mini-programs, portal websites, personal computer (PC) pages, etc., obtain the provident fund withdrawal request submitted by the target object, and upload the target object's identity information in the request (such as the target object's name, ID type, ID number, contact information), and the materials required for handling provident fund withdrawal business that have not been submitted before to the blockchain comprehensive management platform for storage.

[0100] The provident fund channel encapsulates the object identity information carried in the provident fund withdrawal request into a commitment query request, and sends the request to the blockchain notification and commitment application system. The system queries whether the target object has previously signed the notification and commitment letter for the provident fund withdrawal business, so as to determine whether the target object has made a commitment to the provident fund withdrawal business.

[0101] If so, it means that the target object is not applying for the provident fund withdrawal business for the first time. Based on the object identity information carried in the provident fund withdrawal request, the provident fund channel calls the unified chain reading service of the blockchain notification and commitment application system, reads the notification and commitment letter associated with the provident fund withdrawal matter previously signed by the target object from the blockchain comprehensive management platform, and obtains the current commitment credibility of the target object. The provident fund business system then matches the preset rules in the business system based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility, and handles the provident fund withdrawal business for the target object.

[0102] When the current commitment credibility exceeds the set credibility threshold, the provident fund business system automatically approves the target object to withdraw the provident fund based on the target object's provident fund withdrawal request and the signed notification and commitment letter, so that the system can automatically approve and handle it in seconds, thereby improving the handling efficiency. When the current commitment credibility is less than the set credibility threshold, the business personnel of the provident fund business system will conduct a business review of the target object based on the target object's provident fund withdrawal request and the signed notification and commitment letter to determine whether to approve the target object to handle the business. If the review is passed, the target object is approved to withdraw the provident fund; if the review fails, the target object is informed that this business will not be handled.

[0103] If not, it means that the target object is handling the housing fund withdrawal business for the first time. The housing fund channel will display the QR code of the notification and commitment system applet to the target object through the window or online hall. In response to the triggering method of the target object's user terminal scanning the QR code, the dynamic QR code is parsed, the notification and commitment system applet is called up, and the page is jumped to Figure 1C The face recognition authentication interface shown in the figure. The notification commitment system applet extracts the target object's object identity information, unique service item identifier (Identity document, ID), service item name (here, the housing fund withdrawal item is obtained), and applet address information from the Uniform Resource Locator (URL) parameters, and automatically fills the object identity information into Figure 1C The face recognition authentication interface is shown.

[0104] The informed consent system applet calls the image acquisition device of the user's terminal (such as the front camera of a mobile phone) to collect the face image of the target object and returns the face image through the calling interface. After that, the applet calls the biometric identity authentication service of the unified identity authentication platform to perform face recognition based on the face image of the target object and extract the real name, ID number, contact information and other real identity information of the target object.

[0105] When the target object's identity information is consistent with the real identity information associated with the face image, it means that the target object has passed the real-name authentication and the notification and commitment letter is shown to the target object; otherwise, a pop-up window reminder is issued to prohibit the target object from handling the business to prevent others from using the identity information to handle the business. At the same time, the image acquisition device of the user terminal will be called to collect the image data when the target object performs the notification and commitment operation, and it will be saved as the credential information for executing the notification and commitment.

[0106] Among them, the notification and commitment applet determines that the target object is the first time to handle the provident fund withdrawal business, and obtains the notification and commitment letter associated with the provident fund withdrawal business based on the service item identification and service item name. The notification and commitment letter is obtained by the notification and commitment management platform based on the object identity information and service materials submitted by the target object in the provident fund withdrawal request, and the default content to be committed in the notification and commitment letter template associated with the provident fund withdrawal business is filled in. The notification and commitment letter template is obtained by configuring the notification and commitment fields associated with the provident fund withdrawal item.

[0107] The notification and commitment management platform provides business personnel with functions such as the default notification and commitment template, setting of custom notification and commitment templates, authentication method, signing method, effective time, and reliable data range for commitment. Housing fund withdrawal matters are associated with notification and commitment matters, and notification and commitment matters are pre-associated with some notification and commitment fields. The default notification and commitment template is generated based on these pre-configured notification and commitment fields. Business personnel can also customize the notification and commitment fields associated with notification and commitment matters, and then generate a custom notification and commitment template based on the customized notification and commitment fields.

[0108] Then, the notification and commitment system applet displays the notification and commitment letter to the target object, and prompts the target object to read and sign the notification and commitment letter. The target object reads the content to be committed in the notification and commitment letter, and when the reading is completed and confirmed to be correct, the notification and commitment system applet is triggered to call the electronic signature component and sign the notification and commitment letter. Figure 1D The electronic signature shown ensures the validity of the informed consent matters.

[0109] The informed consent system applet calls the interface of the blockchain informed consent application system through the chain evidence storage module to store the target object's identity information, service item identification, informed consent letter, electronic signature, submission time and image data on the chain to ensure that the informed consent data is traceable and tamper-proof.

[0110] like Figure 1E As shown, the target object can view the notification and commitment letter signed by him / her in the notification and commitment system applet, and view the specific content of the notification and commitment letter by clicking the details control. The specific back-end implementation process is: the notification and commitment system applet calls the unified chain reading service of the blockchain notification and commitment application system through the applet reading chain module, and reads the notification and commitment letter signed by the target object from the blockchain comprehensive management platform. Then, through the historical data display module, the previously signed notification and commitment letters are displayed to the target object in the form of lists, grids, etc. Among them, the displayed data items include data source, timestamp, and name of the task.

[0111] S102: When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained. The current commitment credibility is based on the target object's behavior sequence, and the effectiveness of the notification and commitment of the target object in handling provident fund withdrawal business is predicted. The behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data and historical judicial data generated when the target object handles business in the historical cycle of each business system.

[0112] This application provides two triggering methods for predicting the credibility of commitments. One is a commitment prediction task triggered by the target object initiating a notification and commitment, and the other is a timed prediction task triggered by the first announcement of the notification and commitment matter.

[0113] Figure 1F The process of publishing the notification and commitment items is shown. The business personnel log in to the notification and commitment management platform through the unified identity authentication platform, obtain the notification and commitment items related to the provident fund withdrawal business from the item catalog system connected to the platform, query the user data elements from the big data sharing and exchange platform, and configure the data elements required for the notification and commitment items. The notification and commitment management platform also provides business personnel with functions such as item release management, release channel setting, item release validity period, and cancellation of release. Therefore, the platform can configure timed prediction tasks and publish notification and commitment items to the blockchain notification and commitment application system, so that the notification and commitment applet can provide the target object with a service channel for notification and commitment.

[0114] There is a sequence of execution between the two trigger tasks, such as Figure 1GAs shown in the figure, when it is determined that the target object has signed the notification and commitment letter, the notification and commitment management platform service queries the current commitment credibility of the target object in the notification and commitment management platform task based on the commitment credibility query request sent by the blockchain notification and commitment application system, and feeds back the query results to the blockchain notification and commitment application system. The notification and commitment management platform task executes the timed prediction task triggered by the first announcement of the notification and commitment matters at the back end, loops through the user list, and calculates the current commitment credibility of each user based on the user's behavior sequence.

[0115] When the notification and commitment management platform service fails to find the target object's current commitment credibility, the blockchain notification and commitment application system triggers the commitment prediction task for the target object, adds a subtask to the notification and commitment management platform task, and generates a calculation subtask queue. The notification and commitment management platform task calls the calculation engine to predict the notification and commitment effectiveness of the target object in handling the provident fund withdrawal business based on the target object's behavior sequence, and obtains the target object's current commitment credibility.

[0116] The notification and commitment management platform task stores the current commitment credibility as the target object's personal commitment credibility portrait, the notification and commitment management platform service stores the target object's current commitment credibility in the database, and the blockchain notification and commitment application system combines the current commitment credibility with the target object's provident fund withdrawal request and the signed notification and commitment letter, and feeds it back to the provident fund business system, which determines whether to handle the business for the target object.

[0117] The blockchain notification and commitment application system has a trusted verification function. Based on the object identity information of the target object, it obtains the historical behavior data used to calculate the credibility of the commitment from the personal information basic database, and then uses the graph database to process the object identity information and historical behavior data to obtain the risk score of the target object. Based on the risk score, it determines whether the target object is a safe user, providing more data support for business approval decisions.

[0118] The blockchain notification and commitment application system has the function of notification and commitment data file management, calls the InterPlanetary File System (IPFS) microservice, performs file management services for the notification and commitment letters and image data signed by the target objects, and provides fast retrieval and high-speed download services.

[0119] In order to ensure that the notification and commitment data is traceable and tamper-proof and to improve data security, the notification and commitment data and historical behavior data of the target object are stored on the chain. After the chain is successfully uploaded, the feedback information is sent to the relevant business system through the interface, so that the relevant business system can download the notification and commitment data as an attachment to the service materials when handling business for the target object in the future, so as to avoid the target object from submitting service materials repeatedly.

[0120] Although the two triggering tasks are triggered in different ways, both computing engines predict the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business based on the target object's behavior sequence, and obtain the target object's current commitment credibility.

[0121] Combination Figure 1H As shown in the schematic diagram, the scheduled prediction task based on the announcement of the commitment matters is executed to obtain the behavior sequence of the target object:

[0122] When the notification and commitment management platform publishes the notification and commitment matters to the blockchain notification and commitment application system for the first time, the scheduled prediction task is triggered to obtain the list of authentication objects for handling business in each business system from the unified identity authentication platform. It should be noted that the notification and commitment management platform will only call the unified identity authentication platform to obtain the list of authentication objects when the notification and commitment matters are first announced.

[0123] The informed commitment management platform obtains the historical behavior data generated by the target object when handling business in the historical period of each business system based on the object identity information of the target object recorded in the authentication object list, and organizes the various historical behavior data obtained into a behavior sequence of the target object.

[0124] The behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system. Among them, the notification and commitment management platform calls the unified chain reading service of the blockchain notification and commitment application system to read the historical commitment data of the target object from the blockchain comprehensive management platform. The notification and commitment management platform calls the big data sharing and exchange platform through library tables or interface exchanges, and obtains the historical case handling data, historical financial data, and historical judicial data of the target object according to the data elements reconfigured by the data collection task.

[0125] The notification and commitment management platform cleans the historical behavior data in the behavior sequence, generates effective and standard pre-processed data, and then predicts the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business based on the pre-processed data, and obtains the current commitment credibility of the target object.

[0126] Run the commitment prediction task for the target object and perform the following operations to obtain the behavior sequence of the target object: based on the object identity information carried in the provident fund withdrawal request, obtain the historical behavior data generated when the target object handles business in the historical period of each business system, and combine the obtained multiple historical behavior data into the behavior sequence of the target object.

[0127] The hidden Markov model is introduced into the computing engine, with the user's historical behavior data as the observable behavior sequence and the user's commitment status as the unobservable hidden state. The model parameters are optimized through continuous iteration to make the commitment status sequence predicted by the model optimal. Finally, it is provided to the blockchain notification commitment application system to obtain the current commitment credibility of the target object handling the provident fund withdrawal business, providing data support for business approval decisions.

[0128] The framework structure of the computing engine is as follows Fig. 1I As shown, the whole includes an input layer, an output layer and an engine hidden layer.

[0129] The input layer is used for data preprocessing and feature extraction. Collect historical commitment data, historical case data, historical financial data, and historical judicial data generated by users when handling business in the historical cycle of each business system from various data sources. Perform data cleaning on the collected historical behavior data to remove noise, outliers, and duplicates to ensure data consistency and accuracy. Perform feature extraction on the historical behavior data to extract features that are useful for predicting the effectiveness of user notification and commitment. These features may include transaction amount, transaction frequency, transaction type, case type, nature of judicial case, fulfillment of historical commitments, etc. Standardize or normalize the numerical features in the historical behavior data to ensure that different features have the same scale in the model.

[0130] The engine hidden layer is used to predict the commitment state sequence that cannot be directly observed in the model with the observable behavior sequence. The commitment state sequence of this application is [high credibility, general credibility, low credibility, high risk], and a corresponding score is given for each commitment state to describe the potential credibility level behind the user's current behavior.

[0131] The behavior sequence is the part of the model that can be directly observed and is used to describe the behavior actions taken by users when handling business. The behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case data, historical financial data, and historical judicial data generated when users handle business in the historical cycle of each business system.

[0132] Among them, historical case handling data includes: whether other cases have been submitted in the past week, whether business has been handled in the offline government service hall in the past month, etc.; historical financial data includes: whether there has been any overdue repayment in the past week, whether large transactions have been conducted in the past week, etc.; historical judicial data includes: whether there is a record of violations in the past year, etc.; historical commitment data includes: whether there is a record of unfulfilled breach of promise last month, etc.

[0133] The model parameters mainly include the initial state probability, the state transition probability matrix and the observation probability matrix.

[0134] (1) The initial state probability (π) represents the probability that the model is in each commitment state at the initial moment.

[0135] For example, π = [0.5, 0.3, 0.1, 0.1], which means that at the initial moment, the model has a 50% probability of being in a high confidence state, a 30% probability of being in a general confidence state, a 10% probability of being in a low confidence state, and a 10% probability of being in a high risk state.

[0136] (2) State transition probability matrix (A): represents the probability of the model transitioning from one committed state to another committed state.

[0137] For example, The first row of the matrix means that the model has a 70% probability of converting from a high confidence state to a high confidence state, a 10% probability of converting from a high confidence state to a medium confidence state, a 5% probability of converting from a high confidence state to a low confidence state, and a 1% probability of converting from a high confidence state to a high risk state.

[0138] (3) Observation probability matrix (B): represents the probability of observing each historical behavior data under a given commitment state.

[0139] For example, It represents the probability of observing historical behavior data j under commitment state i. Since historical behavior data involves multiple features, in practical applications, the observation probability matrix may need to be expanded into a multi-dimensional tensor or represented in other ways.

[0140] Combination Figure 1J The process of training the model with a given user behavior sequence is as follows:

[0141] (1) Training of initial state probability.

[0142] The initial state probability refers to the probability that the model is in each commitment state at the initial moment, which can be obtained by counting the initial commitment states of all commitment credible sequences in the training data set.

[0143] Specific approach: The training data set includes the commitment state sequences and behavior sequences of multiple sample users when they withdraw provident fund business in the same time period, and the initial commitment states of all commitment state sequences in the training data set are counted. For each commitment state, the number of times it appears as the initial commitment state is calculated, and the number of times each commitment state appears as the initial commitment state is divided by the total number of sequences to obtain the initial state probability of the state.

[0144] (2) Training of state transition probability matrix.

[0145] The state transition probability matrix represents the probability of the model transitioning from one committed state to another committed state, which can be obtained by counting the number of transitions between states in the training dataset.

[0146] Specific approach: traverse all commitment state sequences in the training data set, and count the number of times each commitment state transfers to other commitment states at each moment. For each state pair (current commitment state, next commitment state), calculate its number of transitions respectively, divide the number of transitions of each state pair by the total number of times the current commitment state appears, and get the probability of transferring from the current commitment state to the next commitment state at a moment. These probabilities constitute the state transition probability matrix.

[0147] (3) Training of observation probability matrix.

[0148] The observation probability matrix represents the probability that the model observes each historical behavior data under a given commitment state, which can also be obtained by statistically analyzing the correspondence between the commitment state and the historical behavior data in the training data set.

[0149] Specific approach: traverse all behavior sequences in the training data set and count the number of occurrences of each historical behavior data in each commitment state. For each state-observation pair, calculate the number of times the historical behavior data appears in the commitment state, divide the number of occurrences of each historical behavior data in the commitment state by the total number of occurrences of the state, and obtain the probability of generating the historical behavior data in a given commitment state. These probabilities constitute the observation probability matrix. In order to avoid the zero probability problem, methods such as Laplace smoothing can be used for calculation.

[0150] (4) Use the Baum-Welch algorithm for iterative optimization.

[0151] Although the above methods can obtain initial parameter estimates, these estimates are usually not optimal. The Baum-Welch algorithm re-estimates the model parameters in a cyclic iterative manner to maximize the likelihood probability of the behavior sequence, thereby achieving the purpose of optimizing the model parameters.

[0152] Among them, the basic steps of the Baum-Welch algorithm are as follows:

[0153] Initialize the model parameters and use the forward-backward algorithm to calculate the posterior probability (i.e., γ and ξ functions) of each committed state and state transition under a given behavior sequence. Use these posterior probabilities to re-estimate the model parameters (including initial state probability, state transition probability, and observation probability). When the iteration stop condition is not met, repeat the steps of calculating the posterior probability and estimating the model parameters based on the posterior probability until the iteration stop condition is met, and output the trained model. The iteration stop condition can be configured in combination with the requirements for informing the commitment matters, for example, the iteration stop condition is at least one of the following: the change in the model parameters is less than a certain threshold and reaches a predetermined number of iterations.

[0154] This application will also use the test set to evaluate the model performance, and conduct a comprehensive evaluation of the model performance from the perspective of multi-dimensional evaluation indicators such as accuracy, recall rate, F1 score, etc., so as to obtain a model with better performance.

[0155] The engine hidden layer is used to predict the committed state sequence that cannot be directly observed within the model with the observable behavior sequence. Figures 1K-1L As shown, the behavior sequence and model parameters of the target object are input. Given the model parameters and behavior sequence, the optimal possible commitment state sequence of the behavior sequence is found, and the sequence is used as the basis for judging whether the informed commitment made by the target object is credible.

[0156] S1021: Initialize prediction of the target object's behavior sequence to obtain the initial state probability of the target object in each commitment state;

[0157] S1022: based on the behavior sequence of the target object and the initial state probabilities of each commitment state, respectively obtain a state transition probability matrix of the target object transferring from one commitment state to other commitment states;

[0158] S1023: based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing other commitment states in one commitment state;

[0159] S1024: Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, predict the effectiveness of the target object's informed commitment in handling the provident fund withdrawal business, and obtain the target object's current commitment credibility.

[0160] S103: Based on the target object's housing provident fund withdrawal request, the signed notice and commitment letter, and the current commitment credibility, handle the housing provident fund withdrawal business for the target object.

[0161] The provident fund business system then matches the preset rules in the business system based on the provident fund withdrawal request of the target object, the signed notice and commitment letter and the current commitment credibility, and handles the provident fund withdrawal business for the target object.

[0162] When the target object's current commitment credibility exceeds the set credibility threshold, the target object's provident fund withdrawal request and the signed notice and commitment letter will be automatically approved to withdraw the provident fund, so that the system can automatically approve and process it in seconds, thereby improving processing efficiency.

[0163] When the target object's current commitment credibility is less than the set credibility threshold, the target object will be subject to a business review based on the target object's housing fund withdrawal request and the signed notification and commitment letter, and the smart contract will be retrieved to read the notification and commitment records and breach of promise records on the chain to see if they meet the preconditions of the notification and commitment, so as to determine whether the entire business process complies with the regulations. The judgment result will be automatically stored on the chain through the smart contract, and then different business handling processes will be called according to the smart contract results to determine whether the target object is approved to handle the business. If the review is passed, the target object is approved to withdraw the housing fund; if the review fails, the target object will be informed that the business will not be handled.

[0164] The platform block mapping function is configured for the blockchain notification and commitment application system, including the event association module, the mapping module between the notification and commitment block key of the target object and the blockchain ID, and the mapping relationship between the notification and commitment block key and the blockchain ID is established. After the acceptance is completed, the provident fund business system triggers the link interface, and the basic information of the matters handling the provident fund withdrawal business (such as the name of the matter, the identification of the matter, the business serial number, the acceptance time, the acceptance result, the list of materials for handling), the object identity information of the target object (such as name, certificate type, certificate number, contact information), and the notification and commitment trusted data (such as name, certificate type, certificate number, contact information, breach of promise record, handling data, notification and commitment data, and verification person information) are uploaded to the chain for evidence storage, ensuring the security, efficiency and traceability of the storage and sharing of the notification and commitment trusted data. Among them, the acceptance results include: successful acceptance, non-acceptance and correction of review opinions.

[0165] Specifically, the association module of the blockchain notification and commitment application system is used to complete the association between the business serial number and the service item identification, service item name, and object identity information of the target object. The blockchain comprehensive management platform obtains the current service data uploaded by the provident fund business system, generates a keyword index for the current service data, and then generates the corresponding hash information based on the keyword index. Among them, the current service data includes: basic information and object identity information of the provident fund withdrawal business, and the hash information includes: hash value and hash address of the service data. The blockchain comprehensive management platform sends the hash information to the blockchain notification and commitment application system, stores the hash information in the form of a transaction on the blockchain through a smart contract, and obtains the corresponding block ID.

[0166] The blockchain integrated management platform obtains the notification and commitment trusted data uploaded by the provident fund business system, generates a keyword index for the notification and commitment trusted data, and then generates the corresponding hash information based on the keyword index. Among them, the hash information includes: the hash value and hash address of the notification and commitment trusted data. The blockchain integrated management platform sends the hash information to the blockchain notification and commitment application system, stores the hash information in the form of a transaction on the blockchain through a smart contract, and obtains the corresponding block ID.

[0167] In order to ensure the integrity and correctness of the data on the chain, the blockchain notification and commitment application system will also perform input verification on the following field information: the target object's object identity information (name, ID type, ID number), basic information of the matter (such as the name of the matter, the ID of the matter, the business serial number, the acceptance time, and the acceptance result).

[0168] Build a scheduled task middleware module in the blockchain notification commitment application system, create scheduled tasks according to specific business needs, and ensure the normal operation of the system.

[0169] Add the information of the notification and commitment data block of the service provider on the blockchain. The block information includes: the identity information of the subject, the service information and the notification and commitment data. The business personnel will verify the notification and commitment data of the target subject in the provident fund business system and fill in the verification results. The verification results include: verification is true or verification is false. The verification results will be synchronized to the back end of the notification and commitment system applet. Figure 1M The details of the notification and commitment are displayed on the page shown.

[0170] The blockchain notification and commitment application system also provides on-chain query services. It adds the notification and commitment data block information of the person who handles the matter on the blockchain platform, pushes it to the on-chain information traceability query backend, adds the trusted record data block information of the person who handles the matter on the blockchain, and synchronizes the provident fund rental housing withdrawal traceability module. Through smart contracts, it provides the authorized provident fund business system and other application systems with the ability to query the on-chain notification and commitment data and the trusted data of the notification and commitment of the person who handles the matter.

[0171] The blockchain notification and commitment application system also has the ability to handle abnormal situations and provides corresponding solutions for abnormal problems in different situations.

[0172] (1) Inform and promise the system of data anomaly handling.

[0173] The provident fund business system has not received the application document, and the blockchain notification and commitment application system handles the abnormal process of the application document data to ensure the normal execution of the data process of the notification and commitment application system.

[0174] (2) Business process exception handling.

[0175] The provident fund business system did not process the online application, and informed and promised that an abnormal situation had occurred in the business process and it could not continue to operate. The business process exception handling procedure was used to ensure the smooth operation of the business process.

[0176] (3) Abnormal termination process processing.

[0177] After completing the notification and commitment, the target object chooses to give up submitting the application, which results in the abnormal termination of the notification and commitment business process and the loss of business process data. The integrity of the business process data is ensured through the process processing of the notification and commitment data.

[0178] For ease of understanding, taking a specific embodiment as an example, the complete process of handling the housing provident fund withdrawal business for the target object is as follows: Figure 2A-2B shown.

[0179] Through provident fund channels such as government service halls, self-service terminals, mini-programs, portal websites, PC pages, etc., obtain the provident fund withdrawal request submitted by the target object, and upload the target object's identity information in the request (such as the target object's name, ID type, ID number, contact information), and the materials required to handle the provident fund withdrawal business that have not been submitted before to the blockchain comprehensive management platform for storage.

[0180] The provident fund channel encapsulates the object identity information carried in the provident fund withdrawal request into a commitment query request, and sends the request to the blockchain notification and commitment application system. The system queries whether the target object has previously signed the notification and commitment letter for the provident fund withdrawal business, so as to determine whether the target object has made a commitment to the provident fund withdrawal business.

[0181] If the target object has not signed the notification and commitment letter for the provident fund withdrawal business before, the provident fund channel will call up the notification and commitment system applet. The notification and commitment system applet calls the image acquisition device of the user terminal (such as the front camera of the mobile phone) to collect the face image of the target object and returns the face image through the calling interface. After that, the applet calls the biometric identity authentication service of the unified identity authentication platform, performs face recognition based on the face image of the target object, and extracts the real name, ID number, contact information and other real identity information of the target object.

[0182] When the target object's identity information is consistent with the real identity information associated with the face image, the target object is shown the notice and commitment letter, and is prompted to read and sign the notice and commitment letter. The target object reads the content to be committed in the notice and commitment letter, and when the reading is complete and confirmed to be correct, the notice and commitment system applet is triggered to call the electronic signature component and sign the electronic signature on the notice and commitment letter.

[0183] The informed consent system applet calls the interface of the blockchain informed consent application system through the chain evidence storage module to store the target object's identity information, service item identification, informed consent letter, electronic signature, submission time and image data on the chain to ensure that the informed consent data is traceable and tamper-proof.

[0184] When it is determined that the target object has signed the notification and commitment letter, the notification and commitment management platform service queries the current commitment credibility of the target object in the notification and commitment management platform task based on the commitment credibility query request sent by the blockchain notification and commitment application system, and feeds back the query results to the blockchain notification and commitment application system.

[0185] The blockchain informed commitment application system uses a graph database to process the object's identity information and historical behavior data, obtain a risk score for the target object, determine whether the target object is a safe user, and provide more data support for business approval decisions.

[0186] In order to ensure that the notification and commitment data is traceable and tamper-proof and to improve data security, the notification and commitment data and historical behavior data of the target object are stored on the chain. After the chain is successfully uploaded, the feedback information is sent to the relevant business system through the interface, so that the relevant business system can download the notification and commitment data as an attachment to the service materials when handling business for the target object in the future, so as to avoid the target object from submitting service materials repeatedly.

[0187] When the target object's current commitment credibility exceeds the set credibility threshold, the target object's provident fund withdrawal request and the signed notice and commitment letter will be automatically approved to withdraw the provident fund, so that the system can automatically approve and process it in seconds, thereby improving processing efficiency.

[0188] When the target object's current commitment credibility is less than the set credibility threshold, the target object will be subject to a business review based on the target object's housing fund withdrawal request and the signed notification and commitment letter, and the smart contract will be retrieved to read the notification and commitment records and breach of promise records on the chain to see if they meet the preconditions of the notification and commitment, so as to determine whether the entire business process complies with the regulations. The judgment result will be automatically stored on the chain through the smart contract, and then different business handling processes will be called according to the smart contract results to determine whether the target object is approved to handle the business. If the review is passed, the target object is approved to withdraw the housing fund; if the review fails, the target object will be informed that the business will not be handled.

[0189] After the acceptance is completed, the provident fund business system triggers the link interface to store the basic information of the provident fund withdrawal business (such as the name of the business, the identification of the business, the business serial number, the acceptance time, the acceptance result, and the list of business materials), the target object's identity information (such as name, ID type, ID number, contact information), and the informed commitment trusted data (such as name, ID type, ID number, contact information, breach of promise record, case data, informed commitment data, and verifier information) on the chain to ensure the security, efficiency, and traceability of the storage and sharing of the informed commitment trusted data.

[0190] Based on the same inventive concept, the present application embodiment provides a processing device for housing provident fund withdrawal business, please refer to Figure 3 , the handling devices for provident fund withdrawal business include:

[0191] The notification and commitment unit 301 is used to obtain a housing fund withdrawal request from a target object, and when it is determined that the target object is applying for a housing fund withdrawal service for the first time, to provide the target object with a notification and commitment for the corresponding service;

[0192] When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained, and the current commitment credibility is based on the behavior sequence of the target object to predict the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business, and the behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system;

[0193] The business processing unit 302 is used to process the provident fund withdrawal business for the target object based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility.

[0194] In a possible embodiment, the notification and commitment unit 301 is used to:

[0195] When it is determined that the target object has signed the notification and commitment letter, query the current commitment credibility of the target object, where the current commitment credibility is obtained based on the behavior sequence of the target object by the timed prediction task triggered by the first publication of the notification and commitment matter;

[0196] When the current commitment credibility of the target object is not found, the commitment prediction task for the target object is triggered, and the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business is predicted based on the target object's behavior sequence to obtain the current commitment credibility of the target object.

[0197] In a possible embodiment, the notifying and committing unit 301 obtains the current commitment credibility of the target object by performing the following operations:

[0198] Initialize prediction of the behavior sequence of the target object to obtain the initial state probability of the target object in each commitment state;

[0199] Based on the behavior sequence of the target object and the initial state probabilities of the respective commitment states, a state transition probability matrix of the target object transferring from one commitment state to other commitment states is obtained respectively;

[0200] Based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing the other commitment states when in the one commitment state;

[0201] Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, the effectiveness of the target object's informed commitment in handling provident fund withdrawal business is predicted to obtain the target object's current commitment credibility.

[0202] In a possible embodiment, the notification and commitment unit 301 runs the scheduled prediction task initiated by publishing the notification and commitment matter and performs the following operations to obtain the behavior sequence of the target object:

[0203] When the notification and commitment matters are first announced, a list of authentication objects handling business in each business system is obtained;

[0204] Based on the object identity information of the target object recorded in the authentication object list, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0205] In a possible embodiment, the notification and commitment unit 301 executes the following operations to execute the commitment prediction task for the target object to obtain the behavior sequence of the target object:

[0206] Based on the object identity information carried in the provident fund withdrawal request, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

[0207] In a possible embodiment, the notification and commitment unit 301 is used to:

[0208] When it is determined that the target object is applying for a housing fund withdrawal business for the first time, obtaining a notification and commitment letter associated with the housing fund withdrawal business, wherein the notification and commitment letter is obtained by filling in a default notification and commitment letter template associated with the housing fund withdrawal matter based on the housing fund withdrawal request of the target object, and the notification and commitment letter template is obtained by configuring various notification and commitment fields associated with the housing fund withdrawal matter;

[0209] The target object is shown the notification and commitment letter, and is prompted to read and sign the notification and commitment letter.

[0210] In a possible embodiment, the business processing unit 302 is used to:

[0211] When the target object's current commitment credibility exceeds the set credibility threshold, based on the target object's housing fund withdrawal request and the signed notification and commitment letter, the target object is automatically approved to withdraw housing fund;

[0212] When the current commitment credibility of the target object is less than the set credibility threshold, the target object is subject to a business review based on the provident fund withdrawal request of the target object and the signed notification and commitment letter. When the review is passed, the target object is approved to withdraw the provident fund.

[0213] In a possible embodiment, after obtaining the housing provident fund withdrawal request of the target object, the business processing unit 302 is used to:

[0214] When it is determined that the target object is not applying for the housing fund withdrawal business for the first time, based on the object identity information carried in the housing fund withdrawal request, the notification and commitment letter previously signed by the target object and associated with the housing fund withdrawal matter is read, and the current commitment credibility of the target object is obtained;

[0215] Based on the provident fund withdrawal request of the target object, the signed notice and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

[0216] Based on the same inventive concept, the present application embodiment provides an electronic device, which can realize the function of the page switching device discussed above, please refer to Figure 4The device includes a processor 401 and a memory 402, the memory is used to store program instructions; the processor is used to call the program instructions stored in the memory, and execute the steps included in the method for handling provident fund withdrawal business in any one of the first aspects according to the obtained program instructions.

[0217] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is run on a computer, the computer executes any of the methods for handling provident fund withdrawal business discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the page switching method, 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.

[0218] Based on the same inventive concept, the embodiment of the present application also provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the methods for handling provident fund withdrawal business discussed above. Since the principle of solving the problem by the above computer program product is similar to the method for handling provident fund withdrawal business, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0219] 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.

[0220] The present application is described with reference to the flowchart and / or block diagram of the method, device (system), and computer program product 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 process and / or box 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 produce a device for implementing the function specified in one process or multiple processes in the flowchart and / or one box or multiple boxes in the block diagram.

[0221] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device that implements the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0222] These computer program instructions may also be loaded onto a computer or other programmable data processing device so that a series of user operation steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0223] 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 method for handling provident fund withdrawal business, characterized in that: include: Obtaining the housing fund withdrawal request of the target object, and when determining that the target object is applying for the housing fund withdrawal business for the first time, informing and promising the target object of the corresponding business; When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained, and the current commitment credibility is based on the behavior sequence of the target object to predict the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business, and the behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system; Based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

2. The method according to claim 1, characterized in that When it is determined that the target object has signed the notification and commitment letter, obtaining the current commitment credibility of the target object includes: When it is determined that the target object has signed the notification and commitment letter, query the current commitment credibility of the target object, where the current commitment credibility is obtained based on the behavior sequence of the target object by the timed prediction task triggered by the first publication of the notification and commitment matter; When the current commitment credibility of the target object is not found, the commitment prediction task for the target object is triggered, and the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business is predicted based on the target object's behavior sequence to obtain the current commitment credibility of the target object.

3. The method according to claim 2, characterized in that Get the current commitment credibility of the target object by doing the following: Initialize prediction of the behavior sequence of the target object to obtain the initial state probability of the target object in each commitment state; Based on the behavior sequence of the target object and the initial state probabilities of the respective commitment states, a state transition probability matrix of the target object transferring from one commitment state to other commitment states is obtained respectively; Based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing the other commitment states when in the one commitment state; Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, the effectiveness of the target object's informed commitment in handling provident fund withdrawal business is predicted to obtain the target object's current commitment credibility.

4. The method according to claim 3, characterized in that Running the scheduled prediction task initiated by publishing the notification and commitment matters performs the following operations to obtain the behavior sequence of the target object: When the notification and commitment matters are first announced, a list of authentication objects handling business in each business system is obtained; Based on the object identity information of the target object recorded in the authentication object list, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

5. The method according to claim 3, characterized in that The commitment prediction task for the target object is run by performing the following operations to obtain the behavior sequence of the target object: Based on the object identity information carried in the provident fund withdrawal request, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

6. The method according to any one of claims 1 to 5, characterized in that: When determining that the target object is handling the housing provident fund withdrawal business for the first time, the target object is informed and promised of the corresponding business, including: When it is determined that the target object is applying for a housing fund withdrawal business for the first time, obtaining a notification and commitment letter associated with the housing fund withdrawal business, wherein the notification and commitment letter is obtained by filling in a default notification and commitment letter template associated with the housing fund withdrawal matter based on the housing fund withdrawal request of the target object, and the notification and commitment letter template is obtained by configuring various notification and commitment fields associated with the housing fund withdrawal matter; The target object is shown the notification and commitment letter, and is prompted to read and sign the notification and commitment letter.

7. The method according to any one of claims 1 to 5, characterized in that: The processing of the provident fund withdrawal business for the target object based on the provident fund withdrawal request of the target object, the signed notice and commitment letter and the current commitment credibility includes: When the target object's current commitment credibility exceeds the set credibility threshold, based on the target object's housing fund withdrawal request and the signed notification and commitment letter, the target object is automatically approved to withdraw housing fund; When the current commitment credibility of the target object is less than the set credibility threshold, the target object is subject to a business review based on the provident fund withdrawal request of the target object and the signed notification and commitment letter. When the review is passed, the target object is approved to withdraw the provident fund.

8. The method according to claim 1, characterized in that After obtaining the housing provident fund withdrawal request of the target object, the method further includes: When it is determined that the target object is not applying for the housing fund withdrawal business for the first time, based on the object identity information carried in the housing fund withdrawal request, the notification and commitment letter previously signed by the target object and associated with the housing fund withdrawal matter is read, and the current commitment credibility of the target object is obtained; Based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility, the provident fund withdrawal business is processed for the target object.

9. A device for handling provident fund withdrawal business, characterized in that: include: The notification and commitment unit is used to obtain the housing fund withdrawal request of the target object, and when it is determined that the target object is applying for the housing fund withdrawal business for the first time, to make a notification and commitment to the target object for the corresponding business; When it is determined that the target object has signed the notification and commitment letter, the current commitment credibility of the target object is obtained, and the current commitment credibility is based on the behavior sequence of the target object to predict the effectiveness of the notification and commitment of the target object in handling the provident fund withdrawal business, and the behavior sequence includes at least one of the following historical behavior data: historical commitment data, historical case handling data, historical financial data, and historical judicial data generated when the target object handles business in the historical cycle of each business system; The business processing unit is used to process the provident fund withdrawal business for the target object based on the provident fund withdrawal request of the target object, the signed notification and commitment letter and the current commitment credibility.

10. The device according to claim 9, characterized in that The notification and commitment unit is used to: When it is determined that the target object has signed the notification and commitment letter, query the current commitment credibility of the target object, where the current commitment credibility is obtained based on the behavior sequence of the target object by the timed prediction task triggered by the first publication of the notification and commitment matter; When the current commitment credibility of the target object is not found, the commitment prediction task for the target object is triggered, and the effectiveness of the target object's notification and commitment in handling provident fund withdrawal business is predicted based on the target object's behavior sequence to obtain the current commitment credibility of the target object.

11. The device according to claim 10, characterized in that The notification and commitment unit obtains the current commitment credibility of the target object by performing the following operations: Initialize prediction of the behavior sequence of the target object to obtain the initial state probability of the target object in each commitment state; Based on the behavior sequence of the target object and the initial state probabilities of the respective commitment states, a state transition probability matrix of the target object transferring from one commitment state to other commitment states is obtained respectively; Based on the behavior sequence of the target object and the state transition probability matrix of each commitment state, obtaining an observation probability matrix of the target object observing the other commitment states when in the one commitment state; Based on the initial state probability, state transition probability matrix and observation probability matrix of each commitment state, the effectiveness of the target object's informed commitment in handling provident fund withdrawal business is predicted to obtain the target object's current commitment credibility.

12. The device according to claim 11, characterized in that The notification and commitment unit runs the scheduled prediction task initiated by publishing the notification and commitment matter and performs the following operations to obtain the behavior sequence of the target object: When the notification and commitment matters are first announced, a list of authentication objects handling business in each business system is obtained; Based on the object identity information of the target object recorded in the authentication object list, historical behavior data generated by the target object when handling business in the historical period of each business system is obtained, and the obtained multiple historical behavior data are combined into a behavior sequence of the target object.

13. 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 steps included in any one of the methods of claims 1-8 according to the obtained program instructions.

14. 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 method according to any one of claims 1 to 8.

15. 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 method according to any one of claims 1 to 8.

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