Message information processing method and device, equipment, storage medium and program product

Abstract

The invention provides a message information processing method and device, equipment, a storage medium and a program product, which can be applied to the technical field of data processing and financial science and technology. The method comprises the steps that when target message information is received, the target message information is classified based on mark information corresponding to the target message information, target classification information corresponding to the target message information is generated, and the target classification information comprises complexity information, tolerance information and influence information; based on a preset processing rule, target processing duration information corresponding to the target message information is determined, and the preset processing rule is associated with the complexity information, the tolerance information and the influence information; and processing the target message information based on the target processing duration information to generate a target message processing result.

Description

Technical Field

[0001] The present disclosure relates to the fields of data processing and financial technology, and in particular to a message information processing method, device, equipment, storage medium and program product. Background Art

[0002] In the inter-bank message collection and processing process of the financial system, the message is automatically processed by the message collection system. Generally, when the relevant information in the inter-bank message is filled in correctly, it can be automatically processed by the system. However, there are still a large number of inter-bank messages that need to be processed on the ground for various reasons and cannot be processed automatically by the system. The relevant technology generally performs automatic message collection and processing based on the reasons for the message landing. For example, if the account name is wrong, the system can automatically reflect the correct account name. If it is an account error, the system may fuzzily match the existing account, remind the teller or directly return the remittance by the system. If it is an automatic entry caused by the customer agreement or balance, etc.

[0003] In the process of conceiving the present invention, the inventors discovered that the related art has the following defects in the method of processing inter-bank messages that need to be landed: it only simply distinguishes whether the received information can be processed automatically, but lacks further cause distinction and refined classification of the received information that cannot be processed automatically. The utilization rate of the message information is low, resulting in an increase in the amount of landed messages and high manual processing costs. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a message information processing method, apparatus, device, storage medium and program product.

[0005] According to a first aspect of the present disclosure, a message information processing method is provided, comprising: upon receiving target message information, classifying the target message information based on tag information corresponding to the target message information, and generating target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information, and influence information;

[0006] Determine target processing time information corresponding to the target message information based on a preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information, and the influence information;

[0007] The target message information is processed based on the target processing duration information to generate a target message processing result.

[0008] According to an embodiment of the present disclosure, the above-mentioned target message information includes amount information, and the above-mentioned preset processing rules are associated with the above-mentioned amount information; wherein, the above-mentioned determination of the target processing time information corresponding to the above-mentioned target message information based on the preset processing rules includes: determining the initial processing time information corresponding to the above-mentioned target message information according to the above-mentioned preset processing rules and the above-mentioned amount information; and updating the above-mentioned initial processing time information according to the above-mentioned complexity information, the above-mentioned patience information and the above-mentioned influence information to generate the above-mentioned target processing time information.

[0009] According to an embodiment of the present disclosure, the target message information is classified based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information, including: determining the classification index information, classification factor information and process information corresponding to the tag information according to the tag information corresponding to the target message information; and classifying the target message information according to the classification index information, the classification factor information and the process information to determine the complexity information.

[0010] According to an embodiment of the present disclosure, the above-mentioned target message information is classified based on the tag information corresponding to the above-mentioned target message information to generate target classification information corresponding to the above-mentioned target message information, and also includes: classifying the above-mentioned target message information according to the above-mentioned classification index information, the above-mentioned classification factor information and the factor attribution information corresponding to the above-mentioned classification factor information to determine the above-mentioned patience information.

[0011] According to an embodiment of the present disclosure, the above-mentioned target message information also includes account attribute information and account information; wherein, the above-mentioned target message information is classified based on the tag information corresponding to the above-mentioned target message information to generate target classification information corresponding to the above-mentioned target message information, and also includes: classifying the account information in the above-mentioned target message information based on the above-mentioned account attribute information to generate influence information corresponding to the above-mentioned account information.

[0012] According to an embodiment of the present disclosure, the target message information is processed based on the target processing duration information to generate a target message processing result, including: classifying the target processing duration information to generate at least one duration classification information; and processing the target message information based on a processing strategy corresponding to the duration classification information to generate the target message processing result.

[0013] According to an embodiment of the present disclosure, the method further includes: generating alarm information when the target processing duration information is greater than a preset duration threshold; and sending the alarm information to the target terminal device.

[0014] A second aspect of the present disclosure provides a message information processing device, characterized in that the device comprises:

[0015] a target classification information generating module, configured to classify the target message information based on the tag information corresponding to the target message information when receiving the target message information, and generate target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information and influence information;

[0016] a target processing time information determination module, configured to determine the target processing time information corresponding to the target message information based on a preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information, and the influence information; and

[0017] The target message processing result generating module is used to process the above target message information based on the above target processing duration information to generate a target message processing result.

[0018] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0019] The fourth aspect of the present disclosure further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the above computer program or instructions are executed by a processor.

[0020] The fifth aspect of the present disclosure further provides a computer program product, including a computer program or instructions, which implement the steps of the above method when the above computer program or instructions are executed by a processor.

[0021] According to the message information processing method, device, equipment, storage medium and program product provided by the present disclosure, the target message information is classified by the marking information corresponding to the target message information, and the complexity information, patience information and influence information corresponding to the target message information are generated, so that the target processing time information corresponding to the target message information can be determined based on the preset processing rules, complexity information, patience information and influence information in multiple dimensions, and then different target message information can be automatically classified and processed based on different target processing time information to generate corresponding target message processing results. Since the processing of the target message information is not a simple automatic classification, but a refined classification processing of the target message information based on different target processing times, the utilization efficiency of the message information is improved and the cost of message information processing is reduced. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The above contents and other purposes, 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 The application scenario diagram of the message information processing method, apparatus, device, storage medium and program product according to the embodiments of the present disclosure is schematically shown;

[0024] Figure 2 The flowchart of the message information processing method according to the embodiment of the present disclosure is schematically shown;

[0025] Figure 3 A system architecture diagram schematically shows a method for processing message information according to an embodiment of the present disclosure;

[0026] Figure 4 The structure block diagram of the message information processing device according to the embodiment of the present disclosure is schematically shown;

[0027] Figure 5 A block diagram of an electronic device suitable for implementing a message information 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 the technical solution of the present disclosure, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0033] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating a person's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0034] In the process of conceiving the present disclosure, the inventor found that the related art only simply distinguishes whether the received message information can be automatically processed for the cross-line message information that needs to be landed, and lacks further distinguishing the reasons for the received message information that cannot be automatically processed and finely classifying and processing it. The utilization rate of the message information is low, resulting in an increase in the amount of landed messages and a high manual processing cost. In view of this, the present disclosure classifies the target message information through the marking information corresponding to the target message information, generates complexity information, patience information and influence information corresponding to the target message information, so that the target processing time information corresponding to the target message information can be determined based on the preset processing rules, complexity information, patience information and influence information. The information, and then the different target message information can be automatically classified and processed based on different target processing time information to generate the corresponding target message processing results. Since the processing of the target message information is not a simple automatic classification, but a refined classification processing of the target message information based on different target processing times, the utilization efficiency of the message information is improved and the processing cost of the message information is reduced.

[0035] Embodiments of the present disclosure provide a message information processing method, apparatus, device, storage medium and program product, the method comprising: upon receiving target message information, classifying the target message information based on tag information corresponding to the target message information, generating target classification information corresponding to the target message information, wherein the target classification information comprises complexity information, patience information and influence information; determining target processing time information corresponding to the target message information based on preset processing rules, wherein the preset processing rules are associated with the complexity information, patience information and influence information; processing the target message information based on the target processing time information, generating a target message processing result.

[0036] Figure 1 The application scenario diagram of the message information processing method, apparatus, device, storage medium and program product according to the embodiments of the present disclosure is schematically shown.

[0037] like Figure 1 As shown, the application scenario according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, a first server 105, and a second server 106. The network 104 is used to provide a medium for a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, the first server 105, and the second server 106. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc. It should be noted that the first server 105 may be a server of a first financial institution, that is, a server for receiving target message information, and the second server 106 may be a server of a second financial institution, that is, a server for sending target message information to the first server 105.

[0038] The user may use at least one of the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the first server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0039] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0040] The first server 105 may be a server that provides various services, such as a background management server (only as an example) that provides support for websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process received data such as user requests, and feed back 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 message information processing method provided in the embodiment of the present disclosure can generally be executed by the first server 105. Accordingly, the message information processing device provided in the embodiment of the present disclosure can generally be set in the first server 105. The message information 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 first server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the first server 105. Accordingly, the message information 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 first server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the first server 105.

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

[0043] Figure 2 The flowchart of the message information processing method according to the embodiment of the present disclosure is schematically shown.

[0044] like Figure 2 As shown, the message information processing method of this embodiment includes operations S210 to S230.

[0045] In operation S210, when target message information is received, the target message information is classified based on tag information corresponding to the target message information to generate target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information and influence information.

[0046] According to an embodiment of the present disclosure, the target message information may include message information that cannot be automatically processed by the receiving system, that is, message information that needs to be processed on the ground. The target message information includes amount information, currency information, customer information, payer information, institution information, time information, status information and tag information. The tag information may be the landing status information of the target message information. The target classification information may be information obtained by classifying the message information that needs to be processed on the ground based on the tag information, and may include complexity information, patience information and influence information. The complexity information may characterize the processing complexity of the target message information; the patience information may be associated with the cause attribution information of the target message information generated, and may characterize the patience value of the target message information processing; the influence information may characterize the evaluation influence value corresponding to the target message information.

[0047] In an embodiment of the present disclosure, before obtaining the customer information, the customer's consent or authorization may be obtained. For example, before operation S210, a request to obtain the customer information may be issued to the customer. When the customer agrees or authorizes that the customer information may be obtained, the operation S210 is performed.

[0048] In operation S220, target processing time information corresponding to the target message information is determined based on a preset processing rule, wherein the preset processing rule is associated with complexity information, patience information, and influence information.

[0049] According to an embodiment of the present disclosure, the target processing time information may be information about the time length required to process the target message information. The target processing time information may be calculated based on the initial processing time information, complexity information, patience information, and influence information. The initial processing time information may be associated with the amount information in the target message information.

[0050] In the embodiments of the present disclosure, a corresponding operation portal may be provided for the user to choose to agree or reject the automated decision result. That is, before the user information is processed, an instruction for agreeing or rejecting the processing input by the user through the corresponding operation portal may be obtained. If the user agrees to the processing, the user information is processed, that is, step S220 is executed. If the user rejects the processing / decision, the expert decision process is entered.

[0051] In operation S230, the target message information is processed based on the target processing duration information to generate a target message processing result.

[0052] According to an embodiment of the present disclosure, target message information can be classified and processed based on different target processing time information. For example, the target processing time information of 15 hours, 31 hours and 40 hours corresponding to message information A, message information B and message information C respectively can be classified and processed according to the first type of processing time information (less than 18 hours), the second type of processing time information (greater than or equal to 18 hours and less than 36 hours) and the third type of processing time information (greater than or equal to 36 hours) to finally obtain the target message processing result.

[0053] According to the embodiments of the present disclosure, the target message information is classified by the tag information corresponding to the target message information, and the complexity information, patience information and influence information corresponding to the target message information are generated, so that the target processing time information corresponding to the target message information can be determined based on the preset processing rules, complexity information, patience information and influence information in multiple dimensions, and then different target message information can be automatically classified and processed based on different target processing time information to generate corresponding target message processing results. Since the processing of the target message information is not a simple automatic classification, but a refined classification processing of the target message information based on different target processing times, the utilization efficiency of the message information is improved and the processing cost of the message information is reduced.

[0054] According to an embodiment of the present disclosure, the target message information includes amount information, and a preset processing rule is associated with the amount information; wherein, based on the preset processing rule, the target processing time information corresponding to the target message information is determined, including: determining the initial processing time information corresponding to the target message information according to the preset processing rule and the amount information; and updating the initial processing time information according to the complexity information, patience information and influence information to generate the target processing time information.

[0055] According to an embodiment of the present disclosure, the initial processing time information can be determined based on a preset processing rule and the amount information in the target message information. The target processing time information can be the time information after the initial processing time information is updated.

[0056] According to the embodiment of the present disclosure, when receiving the inter-bank credit collection message information, the reserve fund of the first financial institution (receiving institution) has increased. Considering that the available funds of the newly added customer have potential business potential, the query message information is automatically triggered without the target message information of the remittance return, and the second financial institution is communicated to clarify the updateable content. However, due to the processing time requirement corresponding to the amount information, the initial processing time information of the target message information to be landed cannot be simply a linear function relationship between the amount information and the processing (precipitation) time information. Therefore, based on the preset processing rules, the initial processing time information (T i) is determined as shown in the following formula (1):

[0057]

[0058] Among them, M sum It is the amount information in the target message.

[0059] It should be noted that in order to ensure the validity of the initial processing time information, all initial processing time information are working hours. For the initial processing time information corresponding to different amount information, the initial processing time information can be rounded off. Table 1 schematically shows the relevant content of rounding off the initial processing time information corresponding to different amount information according to an embodiment of the present disclosure.

[0060] Table 1

[0061] Amount 50,000 yuan 500,000 yuan 1 million yuan 10 million yuan 100 million yuan Initial processing time (hours) 3.6 7.9 10 21.5 46.4 Initial processing time rounded up (hours) 4 8 10 21 46

[0062] For different amount information, for example, an amount less than 50,000 yuan is based on 50,000 yuan, and an amount greater than 100 million yuan is based on 100 million yuan. If a valid response is received from the second financial institution within the initial processing time, the relevant account information of the corresponding received message information can be modified according to the message information of the response and automatically recorded; if no valid response is received, the received message can be automatically refunded after the initial processing time has expired.

[0063] According to the embodiment of the present disclosure, based on the initial processing time information, the complexity information, patience information and influence information can be used as coefficients to update the initial processing time information, thereby obtaining the target processing time information T fin , as shown in the following formula (2):

[0064] T fin =T i ×R com ×R pat ×R inf (2);

[0065] Among them, T i is the initial processing duration information, R com is the complexity coefficient, R pat is the patience coefficient, R inf is the influence coefficient.

[0066] According to the embodiments of the present disclosure, by using complexity information, patience information and influence information as coefficients to update the initial processing time information, taking into account factors such as task complexity, user patience and influence, the difficulty of the task and the user's expectations can be more comprehensively evaluated, thereby more accurately predicting the processing time. At the same time, by adjusting the processing time according to task complexity and user attributes, resources can be used more effectively to avoid waste or over-utilization of resources.

[0067] It is understandable that the longer the target processing time is, the longer the received message landing business will take to be processed at the first financial institution. Therefore, there is more time for optimization and tracking, and classified processing can be carried out according to different target processing time information.

[0068] According to an embodiment of the present disclosure, the target message information is classified based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information, including: determining the classification index information, classification factor information and process information corresponding to the tag information according to the tag information corresponding to the target message information; and classifying the target message information according to the classification index information, classification factor information and process information to determine the complexity information.

[0069] According to the embodiments of the present disclosure, the marking information may be the landing status information of the target message information, which may include "not consistent with the correct account name", "account error", "protocol restrictions cannot be processed", "account status cannot be processed", "insufficient account balance" and "regulations implemented". The classification index information may be further classified by the above-mentioned marking information to obtain the index information corresponding to each marking information. For example, "not consistent with the correct account name" may be further classified into "account name similarity above 80%" and "account name similarity below 80%". The classification factor information may be the cause judgment information of the marking information. For example, the cause of "protocol restrictions cannot be processed" may be judged and may be divided into classification factor information such as "the account cannot receive payment" and "the payment amount does not meet the requirements". The process information may be the subsequent automated processing process for the marking information. For example, the subsequent automated processing of "account status cannot be processed" may include processing information such as "internal customer communication reminder of financial institution" and "inquiry notification". The complexity information may characterize the processing complexity of different target message information that need to be processed on the ground. The complexity information may also be referred to as the complexity coefficient.

[0070] According to the embodiments of the present disclosure, the information can be further marked for analysis. For example, for the marked information such as "not consistent with the correct account name" and "account error", the received error information can be compared with the correct account name, and the information can be arranged by similarity to find the corresponding original inter-bank received message information. The key manual query message receipt rate of the received message information is statistically analyzed in the database, and then semantic recognition is performed from the results of the reply. The reply containing the correct account name is matched, and it is found that only the business with account name similarity greater than 80% or the account name is easy to receive an effective reply (the reply contains the correct account name and account), and most of the other reply contents apply for refund or overdue unanswered scenes. Therefore, according to the analysis of the received message information, if it is easy to receive an effective reply through one query message, this type of marked information processing flow can be defined as basic complexity, and the complexity coefficient of 1 represents a simple problem; the inability to receive an effective reply through one query message is defined as a complexity coefficient of 2, that is, a complex problem. Table 2 schematically shows that, according to an embodiment of the present disclosure, target message information is classified according to classification indicator information, classification factor information and process information corresponding to tag information to determine relevant content of complexity information.

[0071] Table 2

[0072]

[0073]

[0074] It is understandable that for some other situations, for example, if it is a reminder for customers within the financial institution, the complexity coefficient can also be given a complexity coefficient of 1 because of the existence of customer contact information, and for some businesses, the complexity coefficient can be set to 1 because of the scenario of system logic implementation.

[0075] According to the embodiments of the present disclosure, by determining the complexity information corresponding to the target message information, personalized processing and services can be provided to users. Different types of users may have different requirements for processing speed, degree of detail, etc. Classification processing can better meet user needs and improve user satisfaction.

[0076] According to an embodiment of the present disclosure, the target message information is classified based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information, and also includes: classifying the target message information according to classification index information, classification factor information and factor attribution information corresponding to the classification factor information to determine patience information.

[0077] According to an embodiment of the present disclosure, patience information can be used to determine the degree of processing patience required for landing processing according to classification index information, classification factor information, and factor attribution information corresponding to different tag information. Patience information can also be called patience coefficient. Table 3 schematically shows the relevant content of patience information obtained by classifying target message information according to classification index information, classification factor information, and factor attribution information corresponding to classification factor information.

[0078] Table 3

[0079]

[0080]

[0081] According to the embodiments of the present disclosure, resources can be allocated according to information processing requirements of different patience. For simple messages, automated or fast processing methods can be adopted to save human resources; while for complex messages, more manpower and time may be required for detailed processing, but the processing quality can be improved.

[0082] According to an embodiment of the present disclosure, the target message information also includes account attribute information and account information; wherein, the target message information is classified based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information, and also includes: classifying the account information in the target message information based on the account attribute information to generate influence information corresponding to the account information.

[0083] According to an embodiment of the present disclosure, the account attribute information may include which account the personal account and the corporate account are in. The influence information may represent the complaint influence information corresponding to different account information, and the influence information may also be referred to as the influence coefficient.

[0084] In a feasible embodiment, the attribute classification of the dynamic account may include personal accounts and public accounts, and the public accounts may be further divided into general corporate customer accounts and key corporate customer accounts. By retrieving customer complaints for inter-bank account entry for data analysis, matching and analyzing the complaining customers and the processing results, it can be found that complaints from key corporate customers will form complaints from branches, complaints from superior agencies, and final accountability; while complaints from general personal accounts can generally be resolved through communication with customers, and the problem remains to be reported to the branch for self-processing. Therefore, different influence information can be obtained by matching and analyzing customer complaint information and processing results. For example, key corporate customers have the greatest complaint influence, while complaints from personal accounts have the lowest influence. Six out of every 10 complaints from key corporate customers can be escalated to superior agencies for processing, while only less than one out of every 10 complaints from personal accounts will eventually escalate to superior agencies, and two out of every 10 complaints from general corporate customers will escalate to superior agencies. Therefore, corresponding influence information (influence coefficient) can be assigned to different accounts. Table 4 schematically shows the classification of account information in the target message information according to account attribute information, and the generation of relevant content of influence information corresponding to the account information.

[0085] Table 4

[0086] Attributes of mobile account Personal Account General Corporate Customer Accounts Key corporate client accounts Complaint impact coefficient 1 2 6

[0087] According to an embodiment of the present disclosure, target message information is processed based on target processing duration information to generate a target message processing result, including: classifying the target processing duration information to generate at least one duration classification information; and processing the target message information based on a processing strategy corresponding to the duration classification information to generate a target message processing result.

[0088] According to an embodiment of the present disclosure, the duration classification information can characterize the processing duration of the target message information that needs to be landed. For example, the target message information can be classified according to the length of the processing duration of the target message information into general landing business less than or equal to 18 hours, key landing business less than or equal to 36 hours, and particularly important landing business longer than 36 hours.

[0089] In a feasible embodiment, for general on-site business that requires a response within 2 working days (18 hours), the financial system can automatically send a query message to the outside, or send a text message + voice reminder internally, prompting the customer or the second financial institution to process or reply. If the reply or account status is corrected within the specified time, the financial institution (the first financial institution) will automatically correct the original information based on the reply result and re-process the message. If the processing fails again, the remittance will be directly refunded. If the second financial institution does not receive a reply within the time limit or the customer of the financial institution fails to handle the business, the system will automatically refund the remittance due to the timeout.

[0090] For key on-site services that require a response within four working days (36 hours), the business handling frequency can be increased and the reminder frequency can be increased. Every nine hours, an external query message and an internal SMS + voice service processing reminder will be automatically triggered to prompt the customer or the second financial institution to handle or respond. The subsequent processing requirements are consistent with the general on-site service processing requirements.

[0091] For particularly important businesses, the target processing time is longer than 36 hours, which is considered particularly urgent business. The system can remind the staff and responsible persons at the branch where the business is located. After the system automatically triggers a query or prompts the information, the staff of the financial institution is required to contact the customer by phone or the second financial institution as soon as possible to correct the business information as soon as possible to enter or refund the money, and close the loop of the business processing.

[0092] According to an embodiment of the present disclosure, the method further includes: generating alarm information when the target processing duration information is greater than a preset duration threshold; and sending the alarm information to the target terminal device.

[0093] According to an embodiment of the present disclosure, when the target processing time is higher than a specific time threshold (for example, 36 hours), the system can automatically generate an alarm message and send the alarm message to relevant responsible personnel of the financial institution for processing. The system can notify relevant alarm information recipients to take corresponding measures based on the account attribute type and account information in the alarm message. Among them, the risk alarm notification method includes but is not limited to SMS, email, phone message, mobile phone App message push, WeChat public account, etc. The specific method of risk alarm can be determined based on the above alarm content or actual application scenario, and is not specifically limited here.

[0094] It should be noted that for special message information (such as debit message information), in addition to automated processing based on the above-mentioned evaluation criteria, comprehensive processing can also be performed based on the "receipt period" field unique to the message information (for example, the second financial institution requires payment within a corresponding time limit).

[0095] Figure 3 The system architecture diagram of the message information processing method according to an embodiment of the present disclosure is schematically shown.

[0096] like Figure 3 As shown, when the target message information 310 is received, the target message information 310 can be classified based on the tag information corresponding to the target message information 310 to generate target classification information 320 corresponding to the target message information. The target classification information 320 can include complexity information 321, patience information 322 and influence information 323, so that the target processing time information 330 corresponding to the target message information 310 can be determined based on the preset processing rules, wherein the preset processing rules can be associated with the complexity information 321, patience information 322 and influence information 323, and then the target message information 310 can be processed based on the target processing time information 330 to generate a target message processing result 340.

[0097] Based on the above message information processing method, the present disclosure also provides a message information processing device. Figure 4 The device is described in detail.

[0098] Figure 4 The structural block diagram of the message information processing device according to an embodiment of the present disclosure is schematically shown.

[0099] like Figure 4 As shown, the message information processing device of this embodiment includes a target classification information generating module 410 , a target processing duration information determining module 420 and a target message processing result generating module 430 .

[0100] The target classification information generating module 410 is used to classify the target message information based on the tag information corresponding to the target message information when receiving the target message information, and generate target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information and influence information. In one embodiment, the target classification information generating module 410 can be used to perform the operation S210 described above, which will not be repeated here.

[0101] The target processing time information determination module 420 is used to determine the target processing time information corresponding to the target message information based on the preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information and the influence information. In one embodiment, the target processing time information determination module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0102] The target message processing result generating module 430 is used to process the target message information based on the target processing duration information to generate the target message processing result. In one embodiment, the target message processing result generating module 430 can be used to perform the operation S230 described above, which will not be described in detail here.

[0103] According to the embodiments of the present disclosure, through the target classification information generation module 410, the target processing time information determination module 420 and the target message processing result generation module 430 in the message information processing device, the target message information is classified by the tag information corresponding to the target message information, and the complexity information, patience information and influence information corresponding to the target message information are generated, so that the target processing time information corresponding to the target message information can be determined based on the preset processing rules, complexity information, patience information and influence information in multiple dimensions, and then different target message information can be automatically classified and processed based on different target processing time information to generate corresponding target message processing results. Since the processing of the target message information is not a simple automatic classification, but a refined classification processing of the target message information based on different target processing times, the utilization efficiency of the message information is improved and the processing cost of the message information is reduced.

[0104] According to an embodiment of the present disclosure, the target message information includes amount information, and the preset processing rules are associated with the amount information; wherein the target processing time information determination module includes: an initial processing time information determination submodule and a target processing time information generation submodule. The initial processing time information determination submodule is used to determine the initial processing time information corresponding to the target message information according to the preset processing rules and the amount information. The target processing time information generation submodule is used to update the initial processing time information according to the complexity information, patience information and influence information, and generate the target processing time information.

[0105] According to an embodiment of the present disclosure, a target classification information generation module includes: an information determination submodule and a complexity information determination submodule. The information determination submodule is used to determine, based on the tag information corresponding to the target message information, the classification index information, the classification factor information and the process information corresponding to the tag information. The complexity information determination submodule is used to classify the target message information based on the classification index information, the classification factor information and the process information, and determine the complexity information.

[0106] According to an embodiment of the present disclosure, the target classification information generation module further includes: a patience information determination submodule, which is used to classify the target message information according to the classification index information, the classification factor information and the factor attribution information corresponding to the classification factor information, and determine the patience information.

[0107] According to an embodiment of the present disclosure, the target message information also includes account attribute information and account information; wherein, the target classification information generation module also includes: an influence information generation submodule, which is used to classify the account information in the target message information based on the account attribute information, and generate influence information corresponding to the account information.

[0108] According to an embodiment of the present disclosure, a target message processing result generation module includes: a duration classification information generation submodule and a target message processing result generation submodule. The duration classification information generation submodule is used to classify the target processing duration information and generate at least one duration classification information. The target message processing result generation submodule is used to process the target message information based on the processing strategy corresponding to the duration classification information and generate a target message processing result.

[0109] According to an embodiment of the present disclosure, the device further includes: an alarm information generating module and an alarm information sending module. The alarm information generating module is used to generate an alarm information when the target processing duration information is greater than a preset duration threshold. The alarm information sending module is used to send the alarm information to the target terminal device.

[0110] According to an embodiment of the present disclosure, any multiple modules of the target classification information generation module 410, the target processing time information determination module 420, and the target message processing result generation 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 target classification information generation module 410, the target processing time information determination module 420, and the target message processing result generation 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 target classification information generating module 410, the target processing duration information determining module 420 and the target message processing result generating module 430 may be at least partially implemented as a computer program module, and when the computer program module is executed, the corresponding function may be executed.

[0111] Figure 5 A block diagram of an electronic device suitable for implementing a message information processing method according to an embodiment of the present disclosure is schematically shown.

[0112] like Figure 5 As shown, the electronic device according to the embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 502 or the program loaded from the storage part 508 to the random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, 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 the embodiment of the present disclosure.

[0113] 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.

[0114] 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 input / output (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 input / output (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.

[0115] 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.

[0116] 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.

[0117] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program includes a 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 message information processing method provided by the embodiment of the present disclosure.

[0118] 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.

[0119] 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.

[0120] 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.

[0121] 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).

[0122] 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.

[0123] 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.

[0124] 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 message information processing method, characterized in that: The method comprises: When receiving target message information, classify the target message information based on tag information corresponding to the target message information to generate target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information and influence information; Determining target processing duration information corresponding to the target message information based on a preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information, and the influence information; and The target message information is processed based on the target processing duration information to generate a target message processing result.

2. The method according to claim 1, characterized in that The target message information includes amount information, and the preset processing rule is associated with the amount information; Wherein, determining the target processing duration information corresponding to the target message information based on the preset processing rule includes: Determining initial processing duration information corresponding to the target message information according to the preset processing rule and the amount information; and The initial processing time information is updated according to the complexity information, the patience information and the influence information to generate the target processing time information.

3. The method according to claim 1, characterized in that The classifying the target message information based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information includes: Determining, according to the tag information corresponding to the target message information, the classification index information, the classification factor information and the process information corresponding to the tag information; and The target message information is classified according to the classification index information, the classification factor information and the process information to determine the complexity information.

4. The method according to claim 3, characterized in that The classifying the target message information based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information further includes: The target message information is classified according to the classification index information, the classification factor information, and the factor attribution information corresponding to the classification factor information to determine the patience information.

5. The method according to claim 4, characterized in that The target message information also includes account attribute information and account information; The step of classifying the target message information based on the tag information corresponding to the target message information to generate target classification information corresponding to the target message information further includes: The account information in the target message information is classified based on the account attribute information, and influence information corresponding to the account information is generated.

6. The method according to claim 1, characterized in that The processing of the target message information based on the target processing duration information to generate a target message processing result includes: Classifying the target processing duration information to generate at least one duration classification information; and The target message information is processed based on a processing strategy corresponding to the duration classification information to generate the target message processing result.

7. The method according to claim 1, characterized in that The method further comprises: If the target processing time information is greater than a preset time threshold, generating an alarm information; and The warning information is sent to the target terminal device.

8. A message information processing device, characterized in that: The device comprises: a target classification information generating module, configured to classify the target message information based on the tag information corresponding to the target message information when receiving the target message information, and generate target classification information corresponding to the target message information, wherein the target classification information includes complexity information, patience information and influence information; a target processing time information determination module, configured to determine target processing time information corresponding to the target message information based on a preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information, and the influence information; and The target message processing result generating module is used to process the target message information based on the target processing duration information to generate a target message processing result.

9. An electronic device, comprising: one or more processors; a memory 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 or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

11. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction 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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