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

Abstract

The present disclosure provides a message information processing method and device, equipment, storage medium and program product, which can be applied to the technical field of data processing and financial technology. The method comprises: when a target message information is received, classifying the target message information based on the marking information corresponding to the target message information, and 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 a preset processing rule, wherein the preset processing rule is associated with the complexity information, the patience information and the influence information; processing the target message information based on the target processing time information, and generating a target message processing result.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of data processing and financial technology, and particularly relates to a message information processing method and device, equipment, a storage medium and a program product. BACKGROUND

[0002] In the cross-bank receiving processing flow of a financial system, the message is automatically processed by the receiving system. Generally, when the relevant information in the cross-bank receiving message is correctly filled, the system can automatically process it. However, there are still a large number of cross-bank receiving messages that need to be processed due to various reasons and cannot be automatically processed by the system. The related technology generally automatically processes the receiving message according to the reason for the message landing, for example, if the name is wrong, the system can automatically show the correct name. If the account is wrong, the system can perform fuzzy matching on the account balance, remind the clerk or directly automatically return the funds, and if the customer agreement or balance leads to automatic account, etc.

[0003] In the process of conceiving the present disclosure, the inventors found that the cross-bank message processing method in the related technology has the following defects: only the receiving information is simply distinguished whether it can be automatically processed, and there is a lack of further distinguishing and fine classification processing of the receiving information that cannot be automatically processed. The utilization rate of message information is low, which leads to an increase in the amount of landing messages and high labor processing cost. SUMMARY

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

[0005] According to a first aspect of the present disclosure, a message information processing method is provided, comprising: when a target message information is received, classifying the target message information based on the marking 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] Based on a preset processing rule, determining target processing time information corresponding to the target message information, wherein the preset processing rule is associated with the complexity information, the patience information and the influence information;

[0007] Processing the target message information based on the target processing time 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 target processing time information corresponding to the above-mentioned target message information is determined based on the preset processing rules, including: 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 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, including: determining the classification index information, classification factor information and process information corresponding to the above-mentioned tag information according to the tag information corresponding to the above-mentioned target message information; and classifying the above-mentioned target message information according to the above-mentioned classification index information, the above-mentioned classification factor information and the above-mentioned process information to determine the above-mentioned 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 above-mentioned target message information is processed based on the above-mentioned target processing duration information to generate the target message processing result, including: classifying the above-mentioned target processing duration information to generate at least one duration classification information; and processing the above-mentioned target message information based on the processing strategy corresponding to the above-mentioned duration classification information to generate the above-mentioned 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] The second aspect of the present disclosure provides a message information processing device, characterized in that the device comprises:

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

[0016] a target processing duration information determination module configured to determine 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

[0017] a target message processing result generation module configured to process the target message information based on the target processing duration information, and generate a target message processing result.

[0018] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; 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 method.

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

[0020] The fifth aspect of the present disclosure further provides a computer program product comprising a computer program or instructions, wherein the computer program or instructions are executed by a processor to implement the steps of the method.

[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 based on the label information corresponding to the target message information, and the complexity information, the patience information, and the influence information corresponding to the target message information are generated, so that the target processing duration information corresponding to the target message information can be determined based on the preset processing rule, the complexity information, the patience information, and the influence information in multiple dimensions, and then different target message information can be automatically classified and processed based on different target processing duration information, and the corresponding target message processing result is generated. Since the processing of the target message information is not simply automatic classification, but fine classification and processing of the target message information based on different target processing duration, the utilization efficiency of the message information is improved, and the cost of message information processing is reduced. BRIEF DESCRIPTION OF DRAWINGS

[0022] The above and other objects, features and advantages of the present disclosure will become more apparent from the following description when taken in conjunction with the accompanying drawings, in which:

[0023] Figure 1 An application scenario diagram of a packet information processing method, apparatus, device, storage medium and program product according to embodiments of the present disclosure is schematically shown;

[0024] Figure 2 A flowchart of a packet information processing method according to embodiments of the present disclosure is schematically shown;

[0025] Figure 3 A system architecture diagram of a packet information processing method according to embodiments of the present disclosure is schematically shown;

[0026] Figure 4 A structural block diagram of a packet information processing apparatus according to embodiments of the present disclosure is schematically shown;

[0027] Figure 5 A block diagram of an electronic device suitable for implementing a packet information processing method according to embodiments 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. It is to be understood, however, that the description is merely exemplary of the present disclosure, and is intended to provide a thorough description for those skilled in the art to understand the present disclosure. Therefore, the present disclosure is not limited by the exemplary embodiments described herein. Furthermore, in the following description, the description of well-known functions and constructions will be omitted so as not to obscure the concept of the present disclosure with unnecessary detail.

[0029] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the present disclosure. As used herein, the term "includes" and / or "including", and / or "comprising" and / or "comprising", means the inclusion of the recited elements but not to the exclusion of other elements.

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

[0031] In the case of using expressions similar to "at least one of A, B, and C, etc.", in general, it should be interpreted that the meaning as the person skilled in the art generally understands the expression (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, a system having B alone, a system having C alone, a system having both A and B, a system having both A and C, a system having both B and C, and / or a system having A, B, and C, etc.).

[0032] In the technical solutions of the present disclosure, the user information (including but not limited to user personal information, user image information, user equipment information, such as location information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of related data comply with relevant laws, regulations and standards, take necessary security measures, do not violate public order and good customs, and provide corresponding operation portal for user to choose authorization or refusal.

[0033] In the scenario of using personal information for automated decision-making, the method, device and system provided by the embodiments of the present disclosure all provide corresponding operation portal for the user to choose to agree or refuse the automated decision-making result; if the user chooses to refuse, the expert decision-making process is entered. The expression "automated decision-making" here refers to the activity of automatically analyzing, evaluating the behavior habits, interests and hobbies, or economic, health, credit status, etc. of an individual through a computer program, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by personnel who are engaged in a certain field of work, have specialized experience, knowledge and skills, and have reached a certain professional level.

[0034] In the process of conceiving the present disclosure, the inventors found that in the related art, for the cross-line message information to be landed, only whether the received message information can be automatically processed is simply distinguished, and there is a lack of further reason distinguishing and fine classification processing of the received message information that cannot be automatically processed, the utilization rate of the message information is low, leading to an increase in the amount of landed messages and a high cost of manual processing. Therefore, 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 as to determine the target processing time information corresponding to the target message information based on the preset processing rule, the complexity information, the patience information and the influence information in multiple dimensions, and then automatically classifies and processes different target message information based on different target processing time information to generate corresponding target message processing results. Since the processing of the target message information is not simply automatic classification, but fine classification processing of the target message information based on different target processing time, 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 comprises: upon receiving target message information, classifying the target message information based on label information corresponding to the target message information, to generate 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 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; processing the target message information based on the target processing duration information, to generate a target message processing result.

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

[0037] As shown in Figure 1 The application scenario according to this embodiment can 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 a medium for providing communication links 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 can include various connection types, such as wired, wireless communication links or optical fiber cables, etc. It should be noted that the first server 105 can be a server of a first financial institution, i.e., a server for receiving target message information, and the second server 106 can be a server of a second financial institution, i.e., a server for sending target message information to the first server 105.

[0038] A user can 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 can 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 can be various electronic devices with display screens and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers and desktop computers, etc.

[0040] The first server 105 can be a server providing various services, such as a background management server (for example only) providing support for a website browsed by a user using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server can perform analysis and the like on received user requests and the like, and feed back the processing results (such as a webpage, information, or data, or the like, obtained or generated according to the user request) to the terminal device.

[0041] It should be noted that the packet information processing method provided by the embodiments of the present disclosure can generally be executed by the first server 105. Correspondingly, the packet information processing apparatus provided by the embodiments of the present disclosure can generally be arranged in the first server 105. The packet information processing method provided by the embodiments of the present disclosure can also be executed by a server or a server cluster different from the first server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the first server 105. Correspondingly, the packet information processing apparatus provided by the embodiments of the present disclosure can also be arranged in a server or a server cluster different from the first server 105 and capable of communicating 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 system 100 is merely illustrative. According to the needs of implementation, there can be any number of terminal devices, networks, first servers, and second servers.

[0043] Figure 2 A flowchart of a packet information processing method according to an embodiment of the present disclosure is schematically shown.

[0044] As shown in Figure 2 The packet information processing method of this embodiment includes operations S210-S230.

[0045] In operation S210, upon receiving target packet information, the target packet information is classified based on the marking information corresponding to the target packet information, and target classification information corresponding to the target packet information is generated, 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 can include message information that cannot be automatically processed by the receiving system, i.e., message information that needs to be processed by landing. The target message information includes amount information, currency information, customer information, payer information, institution information, time information, state information, and tag information. The tag information can be landing state information of the target message information. The target classification information can be information obtained by classifying the message information that needs to be processed by landing based on the tag information, and can include complexity information, patience information, and influence information. The complexity information can represent the processing complexity of the target message information. The patience information can be associated with reason attribution information of the generation of the target message information, and can represent a patience value of processing the target message information. The influence information can represent an evaluation influence value corresponding to the target message information.

[0047] In an embodiment of the present disclosure, the consent or authorization of the customer can be obtained before the customer information is acquired. For example, before operation S210, a request for acquiring customer information can be sent to the customer. In the case where the customer agrees or authorizes that the customer information can be acquired, the operation S210 is performed.

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

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

[0050] In an embodiment of the present disclosure, the user can be provided with a corresponding operation portal for the user to select to agree or refuse the automatic decision result. That is, before the user information is processed, the instruction of the user to agree or refuse to process the user information through the corresponding operation portal can be obtained. If the user agrees to process the user information, the user information is processed, i.e., operation S220 is performed. If the user refuses to process / decide, the expert decision process is entered.

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

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

[0053] According to an embodiment of the present disclosure, the target message information is classified by the label information corresponding to the target message information, the complexity information, the patience information and the influence information corresponding to the target message information are generated, and then the target processing time length information corresponding to the target message information can be determined based on the preset processing rule, the complexity information, the patience information and the influence information in multiple dimensions. Therefore, different target message information can be automatically classified and processed based on different target processing time length information, and the corresponding target message processing result is generated. Since the processing of the target message information is not simply automatic classification, but fine classification and processing of the target message information based on different target processing time length, 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 the preset processing rule is associated with the amount information. The target processing time length information corresponding to the target message information is determined based on the preset processing rule, including: determining the initial processing time length information corresponding to the target message information according to the preset processing rule and the amount information; and updating the initial processing time length information according to the complexity information, the patience information and the influence information to generate the target processing time length information.

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

[0056] According to an embodiment of the present disclosure, when the cross-line credit collection message information is received, the first financial institution (the receiving institution) has increased the reserve fund. Considering that the available funds of the new customer have potential business mining potential, the query message information is automatically triggered without returning the target message information, and the second financial institution is communicated to determine the updateable content. However, due to the requirement of the processing time length corresponding to the amount information, the initial processing time length information of the target message information to be landed cannot be simply determined by the one-time function relationship between the amount information and the processing (deposition) time length information. Therefore, based on the preset processing rule, the initial processing time length information (T iThe determination manner of the target processing time length information T

[0057]

[0058] M sum is the amount information in the target message information.

[0059] It should be noted that, in order to ensure the effectiveness of the initial processing time length information, all the initial processing time length information is working time, and for the initial processing time length information corresponding to different amount information, the initial processing time length information can be processed by taking an integer, and Table 1 shows the related content of the integer processing of the initial processing time length information corresponding to different amount information according to the embodiment of the present disclosure.

[0060] Table 1

[0061] Amount 500,000 yuan 5,000,000 yuan 50,000,000 yuan 1,000,000,000 yuan 10,000,000,000 yuan Initial processing duration (hours) 3.6 7.9 10 21.5 46.4 Initial processing duration rounding (hours) 4 8 10 21 46

[0062] For different amount information, for example, less than 500,000 yuan amount is based on 500,000 yuan, and more than 100,000,000 yuan amount is based on 100,000,000 yuan. If an effective reply of the second financial institution is received within the initial processing time length range, the related account information of the corresponding received message information can be automatically credited according to the reply message information, and if no effective reply is received, the received report can be automatically returned after the initial processing time length is exceeded.

[0063] According to the embodiment of the present disclosure, according to the initial processing time length information, the complexity information, the patience information and the influence information can be used as coefficients to update the initial processing time length information, and then the target processing time length information T fin is obtained, which is specifically shown in the following formula (2):

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

[0065] Wherein, T i is the initial processing time length information, R com is the complexity coefficient, R pat is the patience coefficient, and R inf is the influence coefficient.

[0066] According to the embodiments of the present disclosure, by updating the initial processing duration information as a coefficient of the complexity information, patience information and influence information, the difficulty of the task and the expectation of the user can be more comprehensively evaluated by considering the complexity of the task, the patience of the user and the influence, etc., so as to more accurately predict the processing duration. At the same time, by adjusting the processing duration according to the task complexity and the user attribute, the resources can be more effectively utilized, and the waste or overuse of resources can be avoided.

[0067] It can be understood that the longer the target processing duration is, the longer the duration of the target message landing in the first financial institution is, and therefore, there is more time for optimization and tracking, and the target message information can be classified according to different target processing duration information.

[0068] According to the embodiments of the present disclosure, the target message information is classified based on the marking information corresponding to the target message information, and the target classification information corresponding to the target message information is generated, including: determining the classification index information, the classification factor information and the process information corresponding to the marking information according to the marking 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, and determining the complexity information.

[0069] According to the embodiments of the present disclosure, the marking information can be the landing state information of the target message information, and can include "not consistent with the correct account name", "account error", "agreement restriction cannot be processed", "account state cannot be processed", "account balance is insufficient" and "regulation landing" and the like. The classification index information can be a further classification of the above marking information to obtain the index information corresponding to each marking information, for example, the "not consistent with the correct account name" can be further classified into "account name similarity above 80%" and "account name similarity below 80%". The classification factor information can be the reason judgment information of the marking information, for example, the reason for "agreement restriction cannot be processed" can be judged into "the account cannot be collected" and "the collection amount does not meet the requirement" and the like classification factor information. The process information can be the subsequent automatic processing process for the marking information, for example, the subsequent automatic processing for "account state cannot be processed" can include "financial institution internal customer communication reminder" and "query notification" and the like processing information. The complexity information can represent the processing complexity of different target message information to be landed and processed, and the complexity information can also be called complexity coefficient.

[0070] According to the embodiment of the present disclosure, the information can be further marked for analysis. For example, for the marked information of "incorrect account name" and "accounting error", the received error information and the correct account name can be compared, arranged by information similarity, and the corresponding original cross-bank received message information can be found. The database key manual query message reply rate of the received message information is counted, and the semantic recognition is performed on the query result. The query containing the correct name is matched, and it is found that only the name similarity is greater than 80% or the account name pair is easy to receive effective query (the query contains the correct name and account), and most of the other query contents are applied for refund or are in the situation of overdue and no reply. Therefore, according to the analysis of the received message information, if the effective query is received through one query message, the processing flow of this kind of marked information can be defined as the basic complexity, and the complexity coefficient is 1, which represents a simple problem. If the effective query cannot be received through one query message, the complexity coefficient is 2, which represents a complex problem. Table 2 schematically shows the related content of classifying the target message information according to the classification index information, the classification factor information and the flow information corresponding to the marked information, and determining the complexity information according to the embodiment of the present disclosure.

[0071] Table 2

[0072]

[0073]

[0074] It can be understood that for some other situations, for example, if the reminder is for the customers in the financial institution, the complexity coefficient can also be set to 1 because the customer contact information exists. For some business scenarios, the complexity coefficient can be set to 1 because the system logic is landed.

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

[0076] According to the embodiment of the present disclosure, the target message information is classified based on the marked information corresponding to the target message information, the target classification information corresponding to the target message information is generated, and 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, and the patience degree information is determined.

[0077] According to an embodiment of the present disclosure, the patience degree information can be determined according to the classification index information corresponding to different marking information, the classification factor information, and the factor attribution information corresponding to the classification factor information, and the processing patience degree required for landing processing. The patience degree information can also be referred to as a patience degree coefficient. Table 3 schematically shows related content of the patience degree information obtained by classifying 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.

[0078] Table 3

[0079]

[0080]

[0081] According to an embodiment of the present disclosure, resources can be allocated according to different patience degree information processing requirements. For simple messages, an automatic or rapid processing method can be used to save human resources. 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 further includes account attribute information and account information. The target message information is classified based on the marking information corresponding to the target message information, and the target classification information corresponding to the target message information is generated. Further, the account information in the target message information is classified based on the account attribute information, and the influence information corresponding to the account information is generated.

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

[0084] In a feasible embodiment, the attribute classification of the dynamic account can include personal accounts and corporate accounts, and the corporate accounts can be further classified into general corporate customer accounts and key corporate customer accounts. By retrieving data analysis on customer complaints for cross-bank entry, matching analysis of complaint customers and processing results can be performed to find that complaints of key corporate customers can form branch complaints, superior agency complaints and final accountability; while complaints of general personal accounts can generally be solved by communicating with customers, and the problems remain in reporting to branch agencies for self-processing. Therefore, matching analysis of customer complaint information and processing results can be performed to obtain different influence information. For example, key corporate customers have the greatest complaint influence, while the influence of complaints of personal accounts is the lowest. Among 10 complaints of key corporate customers, 6 can be escalated to the superior agency for processing, while among 10 complaints of personal accounts, less than 1 will eventually be escalated to the superior agency. Among 10 complaints of general corporate customers, 2 will be escalated to the superior agency. Therefore, different accounts can be assigned with corresponding influence information (influence coefficient). Table 4 schematically shows the classification of account information in target message information according to account attribute information, and the generation of influence information corresponding to the account information.

[0085] Table 4

[0086] Attribute of dynamic account Personal account General corporate customer account Key corporate customer account Complaint influence coefficient 1 2 6

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

[0088] According to an embodiment of the present disclosure, the time length classification information can represent the processing time length of the target message information to be landed, for example, the target message information is classified according to the length of the processing time length 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 more than 36 hours.

[0089] In a feasible embodiment, for the question of the general landing business requiring 2 working days (18 hours) to reply, the financial system can automatically send an inquiry message to the outside or send a short message + voice reminder to the inside, prompting the customer or the second financial institution to process or reply, and if the account status is replied or corrected according to the specified time, the financial institution (the first financial institution) will automatically correct the original information according to the reply result and re-process the report, if the processing fails again, it will be directly returned, if the second financial institution's query is not received or the customer of the financial institution fails to handle the business, the system will automatically return the funds due to time out.

[0090] For the question of the key landing business requiring 4 working days (36 hours) to reply, the business handling frequency can be increased, and the reminder frequency can be increased. Every 9 hours, an automatic trigger of an external inquiry message and an internal short message + voice business processing reminder is triggered to prompt the customer or the second financial institution to process or reply. The subsequent processing requirements are consistent with the general landing business processing requirements.

[0091] For particularly important business, the target processing time is longer than 36 hours, which belongs to particularly urgent business, the system can remind the staff and responsible person of the landing business site. After the system automatically triggers the query or prompt information, the staff of the financial institution needs to contact the customer by phone or contact the second financial institution as soon as possible to correct the business information and account or return the funds, and close the loop of the business processing.

[0092] According to the embodiments of the present disclosure, the method further comprises: generating an alarm information in the case that the target processing time is greater than the preset time threshold; and sending the alarm information to the target terminal device.

[0093] According to the embodiments of the present disclosure, in the case that the target processing time is higher than a specific time threshold (for example, 36 hours), the system can automatically generate an alarm information and send it to the financial institution responsible personnel for processing. The relevant alarm information receiving personnel can take corresponding measures based on the account attribute type and account information in the alarm information. The risk alarm notification methods include but are not limited to short message, email, telephone message, mobile phone App message push, WeChat public number, etc. The specific way of risk alarm can be determined based on the above alarm content or actual application scene, which is not limited here.

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

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

[0096] As shown in Figure 3 When the target message information 310 is received, the target message information 310 can be classified based on the label information corresponding to the target message information 310, target classification information 320 corresponding to the target message information is generated, the target classification information 320 can include complexity information 321, patience information 322 and influence information 323, so that the target processing duration information 330 corresponding to the target message information 310 can be determined based on the preset processing rule, wherein the preset processing rule can be associated with the complexity information 321, the patience information 322 and the influence information 323, and then the target message information 310 can be processed based on the target processing duration information 330 to generate the target message processing result 340.

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

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

[0099] As shown in Figure 4 The message information processing device of this embodiment includes a target classification information generation module 410, a target processing duration information determination module 420 and a target message processing result generation module 430.

[0100] The target classification information generation module 410 is configured to classify the target message information based on the label information corresponding to the target message information when the target message information is received, 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 an embodiment, the target classification information generation module 410 can be configured to perform the operation S210 described above, and details are not repeated here.

[0101] The target processing duration information determination module 420 is configured to determine the target processing duration 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 an embodiment, the target processing duration information determination module 420 can be configured to perform the operation S220 described above, and details are not repeated here.

[0102] ​The target message processing result generation module 430 is configured to process the target message information based on the target processing time length information, and generate a target message processing result. In an embodiment, the target message processing result generation module 430 can be configured to perform the operation S230 described above, and details are not repeated here.

[0103] According to an embodiment of the present disclosure, by the target classification information generation module 410, the target processing time length information determination module 420 and the target message processing result generation module 430 in the message information processing apparatus, the target message information is classified by the label information corresponding to the target message information, the complexity information, the patience degree information and the influence information corresponding to the target message information are generated, so that the target processing time length information corresponding to the target message information can be determined based on the preset processing rule, the complexity information, the patience degree information and the influence information in multiple dimensions, and then different target message information can be automatically classified and processed based on different target processing time length information, and the corresponding target message processing result is generated. Since the processing of the target message information is not a simple automatic classification, but a fine classification processing of the target message information based on different target processing time length, 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 rule is associated with the amount information; and the target processing time length information determination module includes an initial processing time length information determination submodule and a target processing time length information generation submodule. The initial processing time length information determination submodule is configured to determine the initial processing time length information corresponding to the target message information according to the preset processing rule and the amount information. The target processing time length information generation submodule is configured to update the initial processing time length information according to the complexity information, the patience degree information and the influence information, and generate the target processing time length information.

[0105] According to an embodiment of the present disclosure, the target classification information generation module includes an information determination submodule and a complexity information determination submodule. The information determination submodule is configured to determine the classification index information, the classification factor information and the flow information corresponding to the label information according to the label information corresponding to the target message information. The complexity information determination submodule is configured to classify the target message information according to the classification index information, the classification factor information and the flow 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 degree information determination submodule configured 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 degree information.

[0107] According to an embodiment of the present disclosure, the target message information further comprises account attribute information and account information; and the target classification information generation module further comprises an influence information generation submodule, configured 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, the target message processing result generation module comprises a duration classification information generation submodule and a target message processing result generation submodule. The duration classification information generation submodule is configured to classify the target processing duration information, and generate at least one duration classification information. The target message processing result generation submodule is configured to process the target message information based on a 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 apparatus further comprises an alarm information generation module and an alarm information sending module. The alarm information generation module is configured to generate alarm information when the target processing duration information is greater than a preset duration threshold. The alarm information sending module is configured to send the alarm information to the target terminal device.

[0110] According to an embodiment of the present disclosure, any one or more of the target classification information generation module 410, the target processing duration information determination module 420 and the target message processing result generation module 430 can be combined in one module, or any one of them can be split into multiple modules. Alternatively, at least part of the function of one or more of these modules can be combined with at least part of the function 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 duration 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 chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or any other reasonable way of integrating or packaging a circuit, etc. hardware or firmware, or any one of software, hardware and firmware or any appropriate combination of several of them. Alternatively, at least one of the target classification information generation module 410, the target processing duration information determination module 420 and the target message processing result generation module 430 can be at least partially implemented as a computer program module which can perform corresponding functions when running.

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

[0112] AsFigure 5 As shown, the electronic device according to embodiments of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 502 or loaded into a random access memory (RAM) 503 from a storage section 508. The processor 501 can 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)), and so on. The processor 501 can also include an on-board memory for cache use. The processor 501 can include a single processing unit or multiple processing units for executing different actions of the method processes according to embodiments of the present disclosure.

[0113] In the RAM 503, various programs and data required for the operation of the electronic device 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. The processor 501 performs various operations of the method processes according to embodiments of the present disclosure by executing programs in the ROM 502 and / or the RAM 503. Note that the programs can also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 can also perform various operations of the method processes according to embodiments of the present disclosure by executing programs stored in the one or more memories.

[0114] According to embodiments of the present disclosure, the electronic device 500 can also include an input / output (I / O) interface 505, which is also connected to the bus 504. The electronic device 500 can also include one or more of the following components connected to the input / output (I / O) interface 505: an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, a modem, etc. The communication section 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 necessary. A removable recording medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 510 as necessary, so that a computer program read out therefrom is installed in the storage section 508 as necessary.

[0115] The present disclosure also provides a computer readable storage medium, which can be included in the device / apparatus / system described in the above embodiments, or can exist independently without being assembled into the device / apparatus / system. The above computer readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of the present disclosure.

[0116] According to an embodiment of the present disclosure, the computer readable storage medium can be a non-volatile computer readable storage medium, which can include, but is not limited to, a portable computer diskette, 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 disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any appropriate combination thereof. In the present disclosure, the computer readable storage medium can be any tangible medium that contains or stores a program, which can be used by or in connection with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer readable storage medium can include one or more memories of the ROM 502 and / or the RAM 503 described above and / or one or more memories other than the ROM 502 and the RAM 503.

[0117] Embodiments of the present disclosure also include a computer program product, which includes a computer program containing program codes for executing the method shown in the flowcharts. When the computer program product is run in a computer system, the program codes are used to make the computer system implement the packet information processing method provided by the embodiments of the present disclosure.

[0118] The above functions defined in the system / apparatus of the embodiments of the present disclosure are performed when the computer program is executed by the processor 501. According to an embodiment of the present disclosure, the system, apparatus, module, unit, etc. described above can be implemented by computer program modules.

[0119] In one embodiment, the computer program can rely on a tangible storage medium such as an optical storage device, a magnetic storage device, etc. In another embodiment, the computer program can also be transmitted, distributed, and downloaded in the form of a signal via a network medium, and be downloaded and installed through the communication part 509 and / or installed from the detachable medium 511. The program codes contained in the computer program can be transmitted by any appropriate network medium, including but not limited to wireless, wired, etc., or any appropriate combination thereof.

[0120] In such embodiments, the computer program can be downloaded and installed from the network through the communication section 509, and / or installed from the removable media 511. When the computer program is executed by the processor 501, the above-described functions defined in the system of the embodiments of the present disclosure are executed. According to the embodiments of the present disclosure, the system, device, apparatus, module, unit, and the like described above can be implemented by computer program modules.

[0121] According to the embodiments of the present disclosure, the program code for executing the computer program provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages, and specifically, these computer programs can be implemented using high-level procedural and / or object-oriented programming language, and / or assembly / machine language. The programming language includes, but is not limited to, such as Java, C++, python, "C" language or similar programming language. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case involving a remote computing device, the remote computing device can be connected to the user computing device through any kind 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, connected through the Internet by using an Internet service provider).

[0122] The flowcharts and block diagrams in the drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowcharts or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the drawings. For example, two blocks noted in succession can in fact be executed substantially concurrently or in the reverse order, depending on the functionality involved. It should also be noted that each block in the flowcharts or block diagrams, and combinations of blocks in the flowcharts or block diagrams, can be implemented by dedicated hardware-based systems that perform the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0123] Those skilled in the art can understand that the features described in various embodiments of the present disclosure and / or claims can be combined or / and integrated, even if such combinations or integrations are not explicitly described in the present disclosure. In particular, the features described in various embodiments of the present disclosure and / or claims can be combined and / or integrated in various combinations, without departing from the spirit and teachings of the present disclosure. All these combinations and / or integrations fall within the scope of the present disclosure.

[0124] The above described embodiments of the present disclosure. However, these embodiments are merely for illustrative purposes, and are not intended to limit the scope of the present disclosure. Although each embodiment is described above separately, this does not mean that the measures in each embodiment cannot be advantageously used in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Those skilled in the art can make various substitutions and modifications without departing from the scope of the present disclosure, and all such substitutions and modifications shall fall within the scope of the present disclosure.

Claims

1. A message information processing method characterized by comprising: The method comprises: Upon receiving target message information, classifying the target message information based on label information corresponding to the target message information, to generate target classification information corresponding to the target message information, wherein the target classification information comprises complexity information, patience degree information and influence information, the complexity information representing processing complexity of the target message information, the patience degree information being associated with reason attribution information of generation of the target message information and representing a patience degree value of processing of the target message information, and the influence information representing an evaluation influence value corresponding to the target message information; determining target processing time length 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 degree information and the influence information; and processing the target message information based on the target processing time length information, to generate a target message processing result.

2. The method of claim 1, wherein, The target message information comprises amount information, and the preset processing rule is associated with the amount information; wherein the determining of the target processing time length information corresponding to the target message information based on the preset processing rule comprises: determining initial processing time length information corresponding to the target message information according to the preset processing rule and the amount information; and updating the initial processing time length information according to the complexity information, the patience degree information and the influence information, to generate the target processing time length information.

3. The method of claim 1, wherein, The classifying of the target message information based on the label information corresponding to the target message information, to generate the target classification information corresponding to the target message information, comprises: determining classification index information, classification factor information and flow information corresponding to the label information according to the label 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 flow information, to determine the complexity information.

4. The method of claim 3, wherein, The classifying of the target message information based on the label information corresponding to the target message information, to generate the target classification information corresponding to the target message information, further comprises: classifying the target message information according to the classification index information, the classification factor information and factor attribution information corresponding to the classification factor information, to determine the patience degree information.

5. The method of claim 4, wherein, The target message information further comprises account attribute information and account information; wherein the classifying of the target message information based on the label information corresponding to the target message information, to generate the target classification information corresponding to the target message information, further comprises: classifying the account information in the target message information based on the account attribute information, to generate influence information corresponding to the account information.

6. The method of claim 1, wherein, The processing of the target message information based on the target processing time length information, to generate a target message processing result, comprises: classifying the target processing time length information, to generate at least one time length classification information; and Process the target message information based on a processing strategy corresponding to the time length classification information, to generate a target message processing result.

7. The method of claim 1, wherein, The method further includes: generating an alarm information in a case that the target processing time length information is greater than a preset time length threshold; and sending the alarm information to a target terminal device.

8. A message information processing apparatus characterized by comprising: The apparatus includes: a target classification information generation module configured to, upon receiving a target message information, classify the target message information based on a marking information corresponding to the target message information, and generate a target classification information corresponding to the target message information, wherein the target classification information includes a complexity information, a patience degree information and an influence information, the complexity information representing a processing complexity of the target message information, the patience degree information being associated with a reason attribution information of the target message information generation and representing a patience degree value of the target message information processing, and the influence information representing an evaluation influence value corresponding to the target message information; a target processing time length information determination module configured to determine a target processing time length 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 degree information and the influence information; and a target message processing result generation module configured to process the target message information based on the target processing time length information, and generate a target message processing result. 9.An electronic device, comprising: one or more processors; a memory for storing one or more computer programs, 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 1-7.

10. A computer readable storage medium having stored thereon a computer program or instructions, characterized in that, The computer program or instructions implement the steps of the method according to any one of claims 1-7 when executed by a processor.

11. A computer program product comprising computer programs or instructions, characterized in that, The computer program or instructions implement the steps of the method according to any one of claims 1-7 when executed by a processor. The computer program or instructions implement the steps of the method according to any one of claims 1-7 when executed by a processor.

Images