Cross-mechanism business processing method and device, equipment and medium

Abstract

The invention provides a cross-mechanism business processing method which can be applied to the technical field of financial science and technology. The cross-mechanism service processing method comprises the following steps: extracting message features of received service messages from other mechanisms; based on the message features, matching a service template in a preset service template library to obtain a service type, the service template in the preset service template library comprising service template data and the service type corresponding to the service template, and sending the service template data to the service template library; the service template data comprises historical service messages and / or metadata of the historical service messages; and executing the service operation logic corresponding to the service type. The invention further provides a cross-mechanism business processing device, equipment and a medium.

Description

Technical Field

[0001] The present disclosure relates to the field of financial technology, and specifically to a cross-institutional business processing method, apparatus, device and medium. Background Art

[0002] Business processing across institutions often involves the interaction of business messages between different institutions. An institution receives business messages from other institutions, identifies the business type of the business message, performs relevant verification, and processes the business message after the verification passes.

[0003] When the organization faces multiple other organizations, even for business messages of the same business type, different organizations may use different business message formats. This makes it difficult to automatically identify the business types of business messages in daily cross-organization business processing, greatly reducing the processing efficiency of cross-organization business. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a cross-institutional business processing method, apparatus, device, medium and product for improving the efficiency of business processing between different institutions.

[0005] According to the first aspect of the present disclosure, a cross-institutional business processing method is provided, comprising: extracting message features of business messages received from other institutions; based on the message features, matching business templates in a preset business template library to obtain business categories, wherein the business templates in the preset business template library include business template data and business types corresponding to the business templates, and the business template data includes historical business messages and / or metadata of the historical business messages; and executing business operation logic corresponding to the business category.

[0006] According to an embodiment of the present disclosure, before extracting the message features of the business message received from other organizations, it also includes: judging whether the business corresponding to the business message has been executed based on the business message; and ending the cross-organization business processing when the business corresponding to the business message has been executed.

[0007] According to an embodiment of the present disclosure, judging whether the service corresponding to the service message has been executed based on the service message includes: querying the associated content corresponding to the service message; and judging whether the service message has been processed based on the associated content.

[0008] According to an embodiment of the present disclosure, the extracting of message features of business messages received from other organizations includes: extracting the message type, the reporting organization, and fields in the message content as message features; based on the message features, matching the business templates in a preset business template library to obtain the business category includes: matching the business templates based on the message type, the reporting organization, and the fields in the message content, respectively, the business templates including: message type template, reporting organization template, and message content template, wherein when the message type, the reporting organization, and the message content are all matched successfully, it is determined that the match is successful.

[0009] According to an embodiment of the present disclosure, the business template is matched based on the message type, the reporting mechanism and the fields in the message content, respectively, including: respectively calculating a first similarity between the field in the message type and the message type template, a second similarity between the field in the reporting mechanism and the reporting mechanism template, and a third similarity between the field in the message content and the message content template, wherein, when the first similarity, the second similarity and the third similarity are all greater than corresponding preset thresholds, it is determined that the match is successful.

[0010] According to an embodiment of the present disclosure, executing the business operation logic corresponding to the business category includes: acquiring corresponding data to be processed based on the business category; and executing the business operation logic based on the data to be processed.

[0011] According to an embodiment of the present disclosure, the method for maintaining the business templates in the preset business template library includes: obtaining historical business messages; and respectively extracting entries in the message type item, the reporting agency item and the message content item in the historical business messages as the message type template, the reporting agency template and the message content template, wherein, for the message content template, N entries in the message content item are extracted as the message content template, and N is a positive integer.

[0012] The second aspect of the present disclosure provides a cross-institutional business processing device, including: a feature extraction module, used to extract message features of business messages received from other institutions; a matching module, used to match business templates in a preset business template library based on the message features to obtain a business category, wherein the business templates in the preset business template library include business template data and business types corresponding to the business templates, and the business template data includes historical business messages and / or metadata of the historical business messages; and a business execution module, used to execute the business operation logic corresponding to the business category.

[0013] According to an embodiment of the present disclosure, the device also includes: a business verification module, which is used to determine whether the business corresponding to the business message has been executed based on the business message; and if the business corresponding to the business message has been executed, end the cross-institutional business processing.

[0014] According to an embodiment of the present disclosure, the business verification module includes: a message association unit and a record query unit, the message association unit is used to query the associated content corresponding to the business message; and the record query unit is used to determine whether the business message has been processed based on the associated content.

[0015] According to an embodiment of the present disclosure, the feature extraction module is specifically used to extract the message type, the reporting organization and the message content as message features; the matching module includes: a matching sub-module, used to match the business templates based on the message type, the reporting organization and the message content, respectively, and the charge template includes: a message type template, a reporting organization template and a message content template, wherein when the message type, the reporting organization and the message content are all matched successfully, it is determined that the match is successful.

[0016] According to an embodiment of the present disclosure, the matching submodule includes: a similarity calculation matching unit, which is used to respectively calculate a first similarity between the message type and the message type template, a second similarity between the reporting organization and the reporting organization template, and a third similarity between the message content and the message content template, wherein when the first similarity, the second similarity and the third similarity are all greater than corresponding preset thresholds, it is determined that the match is successful.

[0017] According to an embodiment of the present disclosure, the business execution module is specifically used to obtain corresponding data to be processed based on the business category; and execute the business operation logic based on the data to be processed.

[0018] According to an embodiment of the present disclosure, the device also includes a business rule template library maintenance module, which is used to obtain historical business messages; and respectively extract entries from the message type item, the reporting agency item and the message content item in the historical business messages as the message type template, the reporting agency template and the message content template, wherein for the message content template, N entries in the message content item are extracted as the message content template, and N is a positive integer.

[0019] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned cross-institutional business processing method.

[0020] The fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned cross-institutional business processing method.

[0021] In the embodiments of the present disclosure, in order to solve the technical problem of low efficiency in the process of cross-institutional business processing in the prior art. The embodiments of the present disclosure extract features from the received business messages of uncertain business types, and then distinguish the business types of the business messages by matching the features with pre-established business templates, and finally, execute the corresponding business operation logic on the business messages. Among them, by setting up a continuously iterative preset business rule template library, the differences between the business templates of different cooperating institutions are improved, which is more conducive to the subsequent rapid and correct completion of business type matching, greatly improving the efficiency of cross-institutional business processing, while ensuring the correctness of business handling. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0023] Figure 1 A schematic diagram of an application scenario of a cross-organization business processing method according to an embodiment of the present disclosure is shown;

[0024] Figure 2 A flowchart of a cross-organization business processing method according to an embodiment of the present disclosure is schematically shown;

[0025] Figure 3 The full process diagram of a cross-institutional clearing fee collection processing method according to an embodiment of the present disclosure is schematically shown;

[0026] Figure 4 A schematic diagram showing a structure of a cross-organization business processing device according to an embodiment of the present disclosure; and

[0027] Figure 5 A block diagram of an electronic device suitable for implementing a cross-institutional business processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0028] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0029] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0030] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0031] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0032] In a typical scenario, in cross-border remittance business, customer remittance is initiated by the remittance bank, and some of it may need to go through the agent bank to reach the receiving bank to complete the customer's fund transfer. The agent bank generally charges the remittance bank corresponding agency clearing fees, and this type of business is a cross-institutional clearing business. The agent bank initiates a non-payment message (no fixed message type), and the message content states the business reason, business currency amount, charging bank and the associated customer remittance business number and other information. After the remittance bank receives this non-payment message and confirms it as a business message, it associates it with the original customer remittance message, and then generates a payment message and sends it to the agent bank to complete the fee payment.

[0033] Specifically, the customer initiates a remittance through the remittance bank, which then asks the agent bank to process the remittance. After receiving the request to process the remittance, the agent bank will send a fee request message for handling the agency fee and remittance fee. The remittance bank processes the fee request message and returns a payment message. In this process, the fee request message styles of different agent banks are different, and there may be multiple types of fee request messages under the same agent bank, which also leads to differences in the styles of their fee request messages. It is difficult to identify fee request messages of different styles using automated means, and manual identification has the problem of slow identification efficiency.

[0034] In order to solve the technical problems existing in the prior art, an embodiment of the present invention provides a cross-institutional business processing method, the method comprising: extracting message features of business messages received from other institutions; based on the message features, matching business templates in a preset business template library to obtain business categories, wherein the business templates in the preset business template library include business template data and business types corresponding to the business templates, and the business template data include historical business messages and / or metadata of the historical business messages; and executing business operation logic corresponding to the business category.

[0035] In the embodiments of the present disclosure, in order to solve the technical problem of low efficiency in the process of cross-institutional business processing in the prior art. The embodiments of the present disclosure extract features from the received business messages of uncertain business types, and then distinguish the business types of the business messages by matching the features with pre-established business templates, and finally, execute the corresponding business operation logic on the business messages. Among them, by setting up a continuously iterative preset business rule template library, the differences between the business templates of different cooperating institutions are improved, which is more conducive to the subsequent rapid and correct completion of business type matching, greatly improving the efficiency of cross-institutional business processing, while ensuring the correctness of business handling.

[0036] Figure 1 The application scenario diagram of the cross-institutional business processing method according to an embodiment of the present disclosure is schematically shown.

[0037] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0038] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0039] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0040] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0041] It should be noted that the cross-institutional business processing method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the cross-institutional business processing device provided in the embodiment of the present disclosure can generally be set in the server 105. The cross-institutional business processing method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the cross-institutional business processing device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0042] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0043] Figure 2 The flowchart of the cross-institutional business processing method according to the embodiment of the present disclosure is schematically shown.

[0044] like Figure 2 As shown, the cross-institutional business processing method of this embodiment includes operations S210 to S230, and the cross-institutional business processing method can be executed by the server 105.

[0045] In operation S210, message features of business messages received from other organizations are extracted.

[0046] A business message includes multiple message items and fields / entries corresponding to the message items. The message items in business messages of different business types are different. For business messages of the same business type, the formats in different institutions are also different. Moreover, business messages of the same business type in the same institution may also have format differences over a period of time. Therefore, it is necessary to extract the message features in the business message, that is, to extract the fields / entries of certain specific message items, so as to classify the business type of the business message later.

[0047] According to an embodiment of the present disclosure, before extracting the message features of the business message received from other organizations, it also includes: judging whether the business corresponding to the business message has been executed based on the business message; and ending the cross-organization business processing when the business corresponding to the business message has been executed.

[0048] It is understandable that business message errors may occur between different institutions, which may cause the completed business to need to execute the cross-institutional business processing method again. Therefore, before receiving the message, first determine whether it is a completed business to avoid executing subsequent logic. When faced with repeated business execution, avoid invalid expenses.

[0049] According to an embodiment of the present disclosure, judging whether the service corresponding to the service message has been executed based on the service message includes: querying the associated content corresponding to the service message; and judging whether the service message has been processed based on the associated content.

[0050] The associated content can be directly obtained from the log or record, or indirectly obtained through one or more associated messages. Taking the clearing and claiming service as an example, when a non-payment message is received, the associated customer remittance message is first matched to check whether there are other messages associated with the customer remittance message that are in the paid state to avoid duplicate payment.

[0051] Among them, the business message can be a non-payment message, and the non-payment message refers to the non-payment message from the agent bank. The non-payment message part can be associated with the payment information of the relevant transaction. The non-payment message can be divided into multiple categories according to the specific bank's business, among which the fee request message is one of the non-payment messages.

[0052] It is understandable that after receiving a non-payment message, it is first checked whether the payment behavior has been realized, rather than first determining whether the non-payment message is a fee request template. Among them, the corresponding remittance message is associated before matching the fee request template, and no subsequent operations are performed if there is a payment record. This can avoid invalid resource overhead when the message has been paid after matching directly according to operations S220 to S230.

[0053] In operation S220, based on the message features, the business template in the preset business template library is matched to obtain the business category, wherein the business template in the preset business template library includes business template data and the business type corresponding to the business template, and the business template data includes historical business messages and / or metadata of the historical business messages.

[0054] The service templates in the service template library may be historical service messages, or may be metadata for describing historical service messages. For example, the metadata may be certain specific message items in the service messages.

[0055] Specifically, the business message includes one-to-one corresponding message items and message data, wherein the message items include at least common message items such as message type, sending line, receiving line and message content, and the message data corresponding to one or more message items in the business message are extracted as message features.

[0056] The following takes the MT message in the fee claim message and the CIPS message in the fee claim message as examples, as shown below:

[0057]

[0058] Table 1

[0059] As shown in Table 1 above, the message items in the MT message include: message type, sending line, receiving line,

[71] , number and remarks, etc. Each message item has corresponding message data.

[0060] Message type: CIPS Reporting bank: Bank C Receiving bank: Bank D Currency: CNY Payment Type: Query content: XXX fee, XXX payment

[0061] Table 2

[0062] As shown in Table 2 above, the message items in the CIPS message include: message type, originating bank, receiving bank, currency, payment type and query content, and each message item has corresponding message data.

[0063] According to an embodiment of the present disclosure, the extracting of message features of business messages received from other organizations includes: extracting the message type, the reporting organization, and fields in the message content as message features; based on the message features, matching the business templates in a preset business template library to obtain the business category includes: matching the business templates based on the message type, the reporting organization, and the fields in the message content, respectively, the business templates including: message type template, reporting organization template, and message content template, wherein when the message type, the reporting organization, and the message content are all matched successfully, it is determined that the match is successful.

[0064] Specifically, three message feature items are extracted: message type + message line + message content, which are used as keywords for subsequent traversal of the template library (because the template also stores the corresponding features for matching) to search for matching business rule templates.

[0065] In combination with Table 1 and Table 2, the message types may include MT and CIPS, the sending banks include Bank A and Bank C, the receiving banks include Bank B and Bank D, and the message contents include [71B] and query contents.

[0066] The following is a detailed description of the maintenance method of the preset service template library in the embodiment of the present disclosure, as shown below:

[0067] According to an embodiment of the present disclosure, the method for maintaining the business templates in the preset business template library includes: obtaining historical business messages; and respectively extracting entries in the message type item, the reporting agency item and the message content item in the historical business messages as the message type template, the reporting agency template and the message content template, wherein, for the message content template, N entries in the message content item are extracted as the message content template, and N is a positive integer.

[0068] Taking the clearing fee claim business as an example, the message data in the message items (message type, reporting institution and message content) are extracted from the historical fee claim messages (i.e., the message data is saved in the form of entries). Among them, the message type and reporting institution are relatively fixed, and there are fewer entries (such as Bank A). Therefore, the number of entries extracted is mostly one. For the entries in the message content, there are multiple keyword entries in the message content. Therefore, the entries in the message content can be one or more.

[0069] For example, from the non-payment message data in the production environment, filter out non-payment messages with a paid status, and extract three message feature items. Take Table 1 and Table 2 as examples: message type (MTXXX or CIPS), incoming bank (MT message takes "sending bank" or CIPS message takes "incoming bank"), message content (MT message takes "71B" item or CIPS message takes "query content" item) with text information (i.e., entries) such as "fee", "handling fee", "payment", "CHARGE", "CHGS", and "PAY", etc., and integrate them into a charge rule template, as shown in Table 3 below:

[0070]

[0071] Table 3

[0072] It is understandable that different business messages are stored as different business templates, and the template library is accumulated through massive production data. The existing business templates will be updated in a linked manner. When a manual business transaction occurs (for example, the business is identified as a manual transaction by the value of the business transaction teller number), the message feature items of this transaction are automatically collected and a new business template is added.

[0073] Specifically, the matching process uses the extracted message type, the reporting organization, and the message data corresponding to the message content to match the message type template, the reporting organization template, and the message content template of each business template until the message type template, the reporting organization template, and the message content template are all matched successfully. The matching process can be through direct matching of entries, such as: the message content "CHARGE" matches the "CHARGE" in the message content template, then it is determined that the item is matched successfully; the matching process can also be matched according to similarity, such as: the message content "expense" matches the "expense" in the message content template. The similarity exceeds a certain value, then it is determined that the item is matched successfully; the matching process can also be pre-trained with these fee templates. The machine learning model, and then, these message features are used as input data to input the matching results.

[0074] According to an embodiment of the present disclosure, the business template is matched based on the message type, the reporting mechanism and the fields in the message content, respectively, including: respectively calculating a first similarity between the field in the message type and the message type template, a second similarity between the field in the reporting mechanism and the reporting mechanism template, and a third similarity between the field in the message content and the message content template, wherein, when the first similarity, the second similarity and the third similarity are all greater than corresponding preset thresholds, it is determined that the match is successful.

[0075] Specifically, the matching process is to identify the business message of the corresponding business type (such as the fee request message) by the matching similarity of the language text satisfying any set of template rules. For example, when the first similarity, the second similarity and the third similarity are respectively greater than the preset threshold, it is determined that the match based on this set of message features is successful. More specifically, the Word2Vec model is used to convert the message type, the reporting organization and the message content into word vectors, and then the word vectors of the message type, the reporting organization and the message content are used to calculate the similarity between each set of fee request templates, and finally, the matching result is obtained.

[0076] In operation S230, the business operation logic corresponding to the business category is executed.

[0077] Specifically, different business categories correspond to different business operation logics, which will not be described in detail here.

[0078] According to an embodiment of the present disclosure, executing the business operation logic corresponding to the business category includes: acquiring corresponding data to be processed based on the business category; and executing the business operation logic based on the data to be processed.

[0079] Taking the fee claim settlement business as an example, obtain the unique business number, debit account number, remittance bank and other message information in the customer remittance message associated with this fee claim message, correspond to the newly generated payment message item, and fill in the fixed content in the remarks field: payment currency + payment amount, the other party's business number. After querying the customer account that needs to be deducted, find out whether an authorization deduction agreement has been signed with the customer. If not, suspend the automatic processing flow; if so, after the payment message is successfully deducted and sent, set the original fee claim message status to paid, and clear the cross-institutional business closed loop.

[0080] In the embodiments of the present disclosure, in order to solve the technical problem of low efficiency in the process of cross-institutional business processing in the prior art. The embodiments of the present disclosure extract features from the received business messages of uncertain business types, and then distinguish the business types of the business messages by matching the features with pre-established business templates, and finally, execute the corresponding business operation logic on the business messages. Among them, by setting up a continuously iterative preset business rule template library, the differences between the business templates of different cooperating institutions are improved, which is more conducive to the subsequent rapid and correct completion of business type matching, greatly improving the efficiency of cross-institutional business processing, while ensuring the correctness of business handling.

[0081] Figure 3 The full process diagram of a cross-institutional clearing and claim processing method according to an embodiment of the present disclosure is schematically shown.

[0082] like Figure 3 As shown, the cross-institutional business processing method of this embodiment includes operations S310 to S390, as shown below:

[0083] In operation S310, an authorization deduction agreement is signed with the customer. If the remittance initiated by the customer involves a fee claim, the customer's fees are automatically deducted.

[0084] In operation S320, the customer initiates a customer remittance, which is processed by the agent bank.

[0085] In operation S330, a non-payment message is received from the agent bank.

[0086] In operation S340, the customer remittance message associated with the non-payment message is searched. If no such message is found, the process ends; if such message is found, the process proceeds to the next step.

[0087] In operation S350, for the found customer remittance message, check whether there are other non-payment messages in the associated message information that are in the paid state. If so, end; if not, proceed to the next step.

[0088] In operation S360, three message feature items of the non-payment message are extracted, and the fee claim rule template library is traversed. If no template is successfully matched, the process ends; if a template is successfully matched, the non-payment message is identified as a fee claim message, and the process proceeds to the next step.

[0089] In operation S370, a payment message item is formed.

[0090] In operation S380, it is checked whether the customer to whom the deduction account belongs has signed the authorization deduction agreement. If no result is found, the process ends; if the result is found, the process proceeds to the next step.

[0091] In operation S390, the customer account is deducted according to the fee amount and a payment message is sent, and the status of the original fee request message is set to paid, thus clearing the cross-institutional business loop.

[0092] Based on the above cross-institutional business processing method, the present disclosure also provides a cross-institutional business processing device. Figure 4 The device is described in detail.

[0093] Figure 4 The structural block diagram of the cross-institutional business processing device according to an embodiment of the present disclosure is schematically shown.

[0094] like Figure 4 As shown, the cross-institutional business processing device 400 of this embodiment includes a feature extraction module 410 , a matching module 420 and a business execution module 430 .

[0095] The feature extraction module 410 is used to extract the message features of the service messages received from other organizations. In one embodiment, the feature extraction module 410 can be used to perform the operation S210 described above, which will not be described in detail here.

[0096] The matching module 420 is used to match the service template in the preset service template library based on the message feature to obtain the service category, wherein the service template in the preset service template library includes service template data and the service type corresponding to the service template, and the service template data includes historical service messages and / or metadata of the historical service messages. In one embodiment, the matching module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0097] The service execution module 430 is used to execute the service operation logic corresponding to the service category. In one embodiment, the service execution module 430 can be used to execute the operation S230 described above, which will not be described in detail here.

[0098] In the embodiments of the present disclosure, in order to solve the technical problem of low efficiency in the process of cross-institutional business processing in the prior art. The embodiments of the present disclosure extract features from the received business messages of uncertain business types, and then distinguish the business types of the business messages by matching the features with pre-established business templates, and finally, execute the corresponding business operation logic on the business messages. Among them, by setting up a continuously iterative preset business rule template library, the differences between the business templates of different cooperating institutions are improved, which is more conducive to the subsequent rapid and correct completion of business type matching, greatly improving the efficiency of cross-institutional business processing, while ensuring the correctness of business handling.

[0099] According to an embodiment of the present disclosure, the device also includes: a business verification module, which is used to determine whether the business corresponding to the business message has been executed based on the business message; and if the business corresponding to the business message has been executed, end the cross-institutional business processing.

[0100] According to an embodiment of the present disclosure, the business verification module includes: a message association unit and a record query unit, the message association unit is used to query the associated content corresponding to the business message; and the record query unit is used to determine whether the business message has been processed based on the associated content.

[0101] According to an embodiment of the present disclosure, the feature extraction module is specifically used to extract the message type, the reporting organization and the message content as message features; the matching module includes: a matching sub-module, used to match the business templates based on the message type, the reporting organization and the message content, respectively, and the charge template includes: a message type template, a reporting organization template and a message content template, wherein when the message type, the reporting organization and the message content are all matched successfully, it is determined that the match is successful.

[0102] According to an embodiment of the present disclosure, the matching submodule includes: a similarity calculation matching unit, which is used to respectively calculate a first similarity between the message type and the message type template, a second similarity between the reporting organization and the reporting organization template, and a third similarity between the message content and the message content template, wherein when the first similarity, the second similarity and the third similarity are all greater than corresponding preset thresholds, it is determined that the match is successful.

[0103] According to an embodiment of the present disclosure, the business execution module is specifically used to obtain corresponding data to be processed based on the business category; and execute the business operation logic based on the data to be processed.

[0104] According to an embodiment of the present disclosure, the device also includes a business rule template library maintenance module, which is used to obtain historical business messages; and respectively extract entries from the message type item, the reporting agency item and the message content item in the historical business messages as the message type template, the reporting agency template and the message content template, wherein for the message content template, N entries in the message content item are extracted as the message content template, and N is a positive integer.

[0105] According to an embodiment of the present disclosure, any multiple modules of the feature extraction module 410, the matching module 420 and the service execution module 430 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the feature extraction module 410, the matching module 420 and the service execution module 430 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one of the feature extraction module 410, the matching module 420 and the service execution module 430 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0106] Figure 5 A block diagram of an electronic device suitable for implementing a cross-institutional business processing method according to an embodiment of the present disclosure is schematically shown.

[0107] like Figure 5 As shown, the electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include an onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0108] In RAM 503, various programs and data required for the operation of electronic device 500 are stored. Processor 501, ROM 502 and RAM 503 are connected to each other via bus 504. Processor 501 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 502 and / or RAM 503. It should be noted that the program can also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0109] According to an embodiment of the present disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the I / O interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage portion 508 as needed.

[0110] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0111] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 502 and / or RAM 503 described above and / or one or more memories other than ROM 502 and RAM 503.

[0112] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0113] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 501. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0114] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 509, and / or installed from the removable medium 511. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0115] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the processor 501, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0116] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0117] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0118] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0119] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A cross-institutional business processing method, characterized in that: The method comprises: Extracting message features of business messages received from other organizations; Based on the message feature, matching a service template in a preset service template library to obtain a service category, wherein the service template in the preset service template library includes service template data and a service type corresponding to the service template, and the service template data includes historical service messages and / or metadata of the historical service messages; and Execute the business operation logic corresponding to the business category.

2. The method according to claim 1, characterized in that Before extracting the message features of the service messages received from other organizations, the method further includes: Based on the service message, determining whether the service corresponding to the service message has been executed; and When the business corresponding to the business message has been executed, the cross-institutional business processing is terminated.

3. The method according to claim 2, characterized in that The determining, based on the service message, whether the service corresponding to the service message has been executed includes: Querying the associated content corresponding to the business message; and Based on the associated content, it is determined whether the service message has been processed.

4. The method according to any one of claims 1 to 3, characterized in that The extracting of message features of the business messages received from other organizations includes: Extract the message type, reporting organization and fields in the message content as message features; The matching of the service template in the preset service template library based on the message feature to obtain the service category includes: Based on the message type, the reporting organization and the fields in the message content, the business templates are matched respectively, and the business templates include: a message type template, a reporting organization template and a message content template, wherein when the message type, the reporting organization and the message content are all matched successfully, it is determined that the match is successful.

5. The method according to claim 4, characterized in that The matching of the service templates based on the message type, the reporting mechanism, and the fields in the message content respectively includes: The first similarity between the field in the message type and the message type template, the second similarity between the field in the reporting organization and the reporting organization template, and the third similarity between the field in the message content and the message content template are calculated respectively, wherein when the first similarity, the second similarity and the third similarity are all greater than the corresponding preset thresholds, it is determined that the match is successful.

6. The method according to any one of claims 1, 2, 3 and 5, characterized in that The executing the business operation logic corresponding to the business category includes: Acquire corresponding data to be processed based on the business category; and The business operation logic is executed based on the data to be processed.

7. The method according to claim 1, characterized in that The method for maintaining the service templates in the preset service template library includes: Obtaining historical business messages; and Respectively extracting entries in the message type item, the reporting organization item and the message content item in the historical business message as the message type template, the reporting organization template and the message content template, Wherein, for the message content template, N entries in the message content items are extracted as the message content template, where N is a positive integer.

8. A cross-organization business processing device, characterized in that: The device comprises: A feature extraction module, used to extract message features of business messages received from other organizations; a matching module, configured to match a service template in a preset service template library based on the message feature to obtain a service category, wherein the service template in the preset service template library includes service template data and a service type corresponding to the service template, and the service template data includes historical service messages and / or metadata of the historical service messages; and The business execution module is used to execute the business operation logic corresponding to the business category.

9. An electronic device, comprising: one or more processors; a storage device for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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