Business processing method and device, equipment, storage medium and program product

Abstract

The invention relates to the technical field of computers, and particularly discloses a service request processing method and device, equipment, a storage medium and a program product. The method comprises the steps of receiving a service query request; determining target service resource information according to the target service type and the target user information; obtaining resource transfer habit information of the user from a server according to the target user information and the target service resource information, and determining a target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information; and displaying a resource transfer interface according to the target service resource information and the target resource transfer mode, performing resource transfer processing under the condition that a trigger operation for a target resource transfer icon is detected, and sending the resource transfer mode corresponding to the target resource transfer icon to a server. And indicating the server to update the resource transfer habit information according to the sent resource transfer mode. By adopting the method, the service processing efficiency can be improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a business processing method, device, equipment, storage medium and program product. Background Art

[0002] In the event that a user's product is damaged, lost or expired, the user needs to replace or reissue the product. Users who need to replace or reissue products need to first understand the resource transfer standards and policies.

[0003] In the prior art, users go to offline outlets or online systems to perform corresponding business processing for product replacement or product reissue. After the business processing is completed, the user is informed of the resource transfer status of this business processing in the business receipt.

[0004] Then, the resource transfer situations of each user are usually not consistent. In the process of business handling, there may be a situation where insufficient product resources lead to resource transfer failure, and multiple attempts at resource transfer are required, which affects business processing efficiency. Summary of the invention

[0005] Based on this, it is necessary to provide a business processing method, device, equipment, storage medium and program product that can improve business processing efficiency in response to the above technical problems.

[0006] In a first aspect, the present application provides a business processing method, including:

[0007] receiving a service query request, wherein the service query request includes target service type and target user information;

[0008] Determine target business resource information according to target business type and target user information;

[0009] Obtaining the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determining the target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information;

[0010] A resource transfer interface is displayed according to the target business resource information and the target resource transfer mode. The resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer mode, and a drop-down icon. After the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each of which corresponds to a different resource transfer mode.

[0011] When a trigger operation is detected for the target resource transfer icon on the resource transfer interface, resource transfer processing is performed according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and the resource transfer method corresponding to the target resource transfer icon is sent to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

[0012] In one of the embodiments, the user's resource transfer habit information is obtained from the server based on the target user information and the target business resource information, including: determining the resource amount indicated by the target business resource information; determining the amount range in which the resource amount is located; and obtaining the resource transfer habit information based on the target user information and the amount range.

[0013] In one of the embodiments, the target user information includes a target user identifier, and the business resource information is determined based on the target business type and the target user information, including: determining the target user level based on the target user identifier; determining the target product type based on the target business type; querying a preset resource information table based on the target user level and the target product type to obtain the target business resource information, wherein the preset resource information table stores the correspondence between different user levels and different business types and the business resource information.

[0014] In one of the embodiments, determining target business resource information based on target business type and target user information includes: sending the target business type and target user information to a server; receiving the target business resource information returned by the server, wherein the target business resource information is information determined by the server by querying a preset resource information table based on the target business type and target user information.

[0015] In one of the embodiments, the target user information includes target location information, and the method further includes: determining a target outlet category based on a target business type, the target outlet category being used to indicate a service provider to which the target business type belongs; determining outlet information of multiple candidate outlets based on the target outlet category and the target business type; determining outlet information of the target outlet based on the outlet information of each candidate outlet and the target location information, and outputting the outlet information of the target outlet based on a display interface.

[0016] In one of the embodiments, the target user information also includes target biometric information, and the method further includes: acquiring standard biometric information corresponding to the user according to the target user identifier; and performing security verification on the user according to the target biometric information and the standard biometric information.

[0017] In a second aspect, the present application also provides a service processing device, including:

[0018] A receiving module, used to receive a service query request, wherein the service query request includes a target service type and target user information;

[0019] A determination module, used to determine target business resource information according to target business type and target user information;

[0020] An acquisition module, used to acquire the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determine the target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information;

[0021] A display module, used to display a resource transfer interface according to the target business resource information and the target resource transfer mode, wherein the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer mode, and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each of which corresponds to a different resource transfer mode;

[0022] The transfer module is used to perform resource transfer processing according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information when a trigger operation is detected for the target resource transfer icon on the resource transfer interface, and send the resource transfer method corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

[0023] In one of the embodiments, the acquisition module is specifically used to determine the resource amount indicated by the target business resource information; determine the amount range in which the resource amount is located; and acquire resource transfer habit information based on the target user information and the amount range.

[0024] In one of the embodiments, the target user information includes a target user identifier and a determination module, which is specifically used to: determine the target user level based on the target user identifier; determine the target product type based on the target business type; query a preset resource information table based on the target user level and the target product type to obtain the target business resource information, wherein the preset resource information table stores the correspondence between different user levels and different business types and business resource information.

[0025] In one of the embodiments, the determination module is further used to: send the target business type and target user information to the server; receive the target business resource information returned by the server, wherein the target business resource information is information determined by the server by querying a preset resource information table based on the target business type and target user information.

[0026] In one of the embodiments, the target user information includes target location information, and the determination module is further used to: determine the target network point category according to the target business type, the target network point category is used to indicate the service provider to which the target business type belongs; determine the network point information of multiple candidate networks according to the target network point category and the target business type; determine the network point information of the target network point according to the network point information of each candidate network point and the target location information, and output the network point information of the target network point based on the display interface.

[0027] In one of the embodiments, the target user information also includes target biometric information, and the acquisition module is further used to: acquire the standard biometric information corresponding to the user according to the target user identification; and perform security verification on the user according to the target biometric information and the standard biometric information.

[0028] In a third aspect, the present application further provides a business processing device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, any of the methods described in the first aspect is implemented.

[0029] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements any of the methods described in the first aspect above.

[0030] In a fifth aspect, the present application further provides a computer program product, including a computer program, which, when executed by a processor, implements any of the methods described in the first aspect above.

[0031] The above-mentioned business request processing method, device, equipment, storage medium and program product first receive a business query request, wherein the business query request includes a target business type and target user information; secondly, determine the target business resource information according to the target business type and the target user information; thirdly, obtain the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determine the target resource transfer method from a plurality of preset resource transfer methods according to the resource transfer habit information; then, display a resource transfer interface according to the target business resource information and the target resource transfer method, the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer method and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each second resource transfer icon corresponding to a different resource transfer method; finally, when a trigger operation for the target resource transfer icon on the resource transfer interface is detected, perform resource transfer processing according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and send the resource transfer method corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method. Based on the business query request initiated by the user, the target business resource information corresponding to the current target business processing can be determined, and the user's resource transfer habits and target resource transfer method can be obtained based on the target user information and the target business resource information. Then, the target business resource information and the target resource transfer method are displayed to the user based on the resource transfer interface, so that the user can select the resource transfer method based on the resource transfer interface, and the resource transfer process can be performed using the selected resource transfer method. Therefore, the resource transfer failure caused by insufficient resource information can be effectively avoided, and the business processing efficiency can be improved. At the same time, when displaying the resource transfer interface, the target resource transfer method can be determined based on the user's resource transfer habit information, and the target resource transfer method can be displayed to the user as the first resource transfer icon, which can avoid the user from screening among many resource transfer methods and further improve the business processing efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0033] FIG1 is an application environment diagram of a business processing method in one embodiment;

[0034] FIG2 is a schematic diagram of a process flow of a service processing method in an embodiment;

[0035] FIG3 is a schematic diagram of a process for obtaining user resource transfer habit information in one embodiment;

[0036] FIG4 is a schematic diagram of a process for determining target service resource information in one embodiment;

[0037] FIG5 is a flow chart of a step of determining target service resource information in another embodiment;

[0038] FIG6 is a schematic diagram of a flow chart of a service processing method in another embodiment;

[0039] FIG7 is a schematic diagram of a flow chart of a service processing method in another embodiment;

[0040] FIG8 is a schematic diagram of a flow chart of a service processing method in another embodiment;

[0041] FIG9 is a structural block diagram of a service processing device in one embodiment;

[0042] FIG. 10 is a diagram showing the internal structure of a service processing device in one embodiment. DETAILED DESCRIPTION

[0043] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application. It should be noted that in the embodiments of the present application, certain software, groups, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0044] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with relevant provisions of national laws and regulations.

[0045] The business processing method provided in the embodiment of the present application can be applied to the application environment shown in Figure 1. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The terminal 102 receives a business query request, wherein the business query request includes the target business type and the target user information; the terminal 102 determines the target business resource information according to the target business type and the target user information, and then outputs the target business resource information and a plurality of preset resource transfer type identifiers based on the display interface; the terminal 102 receives the target preset resource transfer type identifier input by the user based on the display interface, and performs resource transfer processing according to the target business resource information and the target preset resource transfer type identifier; wherein the target preset resource transfer type identifier is one type identifier among a plurality of preset resource transfer type identifiers, and the resource transfer processing can be performed on the server 104, and after the server 104 completes the resource transfer processing, the result of the resource transfer processing is sent to the terminal 102. The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices, and portable wearable devices. The IoT devices may be smart speakers, smart TVs, smart air conditioners, smart car devices, projection devices, etc. Portable wearable devices may be smart watches, smart bracelets, head-mounted devices, etc. Head-mounted devices may be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. The server 104 may be an independent physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides cloud computing services.

[0046] In an exemplary embodiment, as shown in FIG2 , a service processing method is provided, and the method is described by taking the application of the method to a service processing device as an example. The service processing device may include but is not limited to the terminal 102 in FIG1 , and includes the following steps 201 to 205. Among them:

[0047] Step 201: receiving a service query request.

[0048] The service query request includes target service type and target user information.

[0049] Optionally, the target business type and target user information may be input or selected by the user based on a display interface. The target business type may include product replacement or product reissue, and the target user information may include at least one of the following: target user identification, target location information, and target biometric information.

[0050] Optionally, the service query request may be used to instruct the terminal to determine target service resource information when handling the target service type according to the target service type and target user information.

[0051] Step 202: Determine target service resource information according to the target service type and target user information.

[0052] Optionally, the target business resource information may be business expense information. For example, when the target business type is debit card holder, card replacement or card exchange, the target business resource information may be processing fee.

[0053] In one possible implementation, when determining the target business resource information based on the target business type and target user information, the first business resource information can be first determined by the target business type, the target user level can be determined based on the target user information, and the first bargaining standard can be determined based on the target user level, and then the target business resource information can be determined based on the first bargaining standard and the first business resource information.

[0054] It is understandable that it supports setting different business resource information for each target business type, and setting different bargaining standards for different user levels.

[0055] In another possible implementation, when determining target business resource information based on target business type and target user information, the target business type and target user information can be used as query conditions, a query statement can be used to query a preset resource information table, and the target business resource information can be determined based on the query results.

[0056] Step 203: acquiring the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determining the target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information.

[0057] Optionally, the preset resource transfer method may be a payment method, including credit card payment, debit card payment, mobile payment or payment by another person.

[0058] Optionally, the server may store historical resource transfer records of the user, and the resource transfer habit information of the user may be determined based on the historical resource transfer records of the user.

[0059] In one possible implementation, the user's resource transfer habit information is obtained from the server based on the target user information and the target business resource information. The target user information and the target business resource information can be sent to the server. After receiving the target user information and the target business resource information, the server uses the two information as input and inputs them into a pre-trained resource transfer habit model. The user's resource transfer habit information is determined based on the output of the resource transfer habit model, wherein the resource transfer habit model can be trained based on the user's historical resource transfer records. At the same time, using the target business resource information as input can ensure that when determining the user's resource transfer habit information, the resource transfer account corresponding to the resource transfer method can meet the resource transfer value requirements, that is, the resource information in the target resource transfer account is greater than or equal to the target business resource information.

[0060] In another possible implementation, the user's resource transfer habit information is obtained from the server based on the target user information and the target business resource information. The target user information and the target business resource information can be sent to the server. After receiving the target user information and the target business resource information, the server obtains the order of the resource transfer method list pre-set by the user based on the target user information, and removes the resource transfer methods that do not meet the resource transfer numerical requirements from the list.

[0061] Optionally, the user's resource transfer habit information may include the resource transfer method most frequently used by the user, the resource transfer method used most recently, the resource transfer methods corresponding to different resource transfer amount intervals, or the order of the resource transfer method list set by the user, etc., which is not limited in the embodiments of the present application.

[0062] Optionally, after obtaining the transfer habit information, if the user's resource transfer habit information is a specific resource transfer method, the resource transfer method corresponding to the resource transfer habit information can be determined as the target resource transfer method from a plurality of preset resource transfer methods; if the user's resource transfer habit information is the order of a resource transfer list, the resource transfer method that is at the front of the resource transfer habit information can be determined as the target resource transfer method from a plurality of preset resource transfer methods.

[0063] Step 204: display a resource transfer interface according to the target business resource information and the target resource transfer method.

[0064] Among them, the resource transfer interface displays the target business resource information, the first resource transfer icon corresponding to the target resource transfer method, and a drop-down icon. After the drop-down icon is triggered, the resource transfer interface displays multiple second resource transfer icons, and each second resource transfer icon corresponds to a different resource transfer method.

[0065] Optionally, after the target business resource information is determined, the target business resource information may be displayed to the user through a display interface, so that the user can clearly understand the fee information required for the business before handling the business.

[0066] Optionally, the business processing in the embodiments of the present application may include online processing and offline processing. When processing online, the target business resource information can be displayed to the user, and the target resource transfer method can also be displayed to the user based on the terminal resource transfer interface. The user can select the target resource transfer method for resource transfer processing, or click the drop-down icon to select other resource transfer methods for resource transfer processing.

[0067] Optionally, if the user chooses to handle the service at an offline outlet, the target outlet information can be obtained and the target outlet information and target business resource information can be displayed to the user. The target outlet can be an outlet that can handle the target business and is at a preset distance from the user's location. The target outlet information can include the location of the target outlet, the business type of the target outlet, and the business hours, etc. When the user goes to handle the service offline, the terminal can be a self-service terminal or a computer of an outlet staff member, etc. When receiving a service handling request for the outlet service, the target business resource information and the target resource transfer method can be displayed based on the resource transfer interface, so that the user can select the resource transfer method for resource transfer processing.

[0068] It is understandable that the target resource transfer method can be determined from a plurality of preset resource transfer methods according to the user's resource transfer habit information, and is a resource transfer method recommended for the user to select, but is not necessarily the resource transfer method for subsequent resource transfer processing.

[0069] Optionally, when a triggering operation of the pull-down icon is detected, other preset resource transfer methods may also be displayed to the user based on the resource transfer interface, so that the user can select a resource transfer method for subsequent resource transfer processing from the multiple resource transfer methods.

[0070] Step 205, when a trigger operation is detected for the target resource transfer icon on the resource transfer interface, resource transfer processing is performed according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and the resource transfer method corresponding to the target resource transfer icon is sent to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

[0071] Optionally, the trigger operation on the resource transfer interface can be listened to through a touch event listener or a click event listener. When a trigger operation of a resource transfer icon is detected, the corresponding resource transfer icon is used as the target resource transfer icon, and the resource transfer method corresponding to the target resource transfer icon is used for subsequent resource transfer processing.

[0072] Optionally, resource transfer processing can be fee settlement processing. It can be understood that when a user handles a target business type, the corresponding target business resource information will be determined based on the target business type and the user's target user level, that is, the business fee information will be determined. Fee settlement processing is required based on the business fee information to complete the deduction.

[0073] Optionally, a payment request can be generated based on the resource transfer method and target business resource information corresponding to the target resource transfer icon, and the payment request can be sent to the server, and the resource transfer processing result returned by the server can be received. After receiving the payment request, the server can first verify the payment environment, and when the payment environment is confirmed to be safe, the resource transfer processing can be completed based on the resource transfer method and target business resource information.

[0074] Optionally, the resource transfer processing result returned by the server may be a successful resource transfer processing or a failed resource transfer processing. It is understandable that the failure of the resource transfer processing may be caused by network problems or abnormal payment environment, etc., and this embodiment of the present application does not limit this. When the resource transfer processing fails, the resource transfer processing result returned by the server may include the specific reason for the failure.

[0075] Optionally, the resource transfer method corresponding to the target resource transfer icon can also be sent to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method, wherein the update of the resource transfer habit information may include: adding 1 to the frequency corresponding to the resource transfer method, setting the resource transfer method most recently used by the user as the resource transfer method, updating the resource transfer methods corresponding to different resource transfer amount intervals, or, when the most frequently used resource transfer method is inconsistent with the order of the resource transfer method list, a list order update reminder can be sent to the user to enable the user to update the resource transfer habit information.

[0076] It can be understood that the update of the resource transfer habit information can make the determination of the target resource transfer method more accurate and more in line with user habits.

[0077] The above-mentioned business request processing method, first, receives a business query request, wherein the business query request includes a target business type and a target user information; secondly, determines the target business resource information according to the target business type and the target user information; thirdly, obtains the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determines the target resource transfer method from a plurality of preset resource transfer methods according to the resource transfer habit information; then, displays a resource transfer interface according to the target business resource information and the target resource transfer method, the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer method, and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each second resource transfer icon corresponding to a different resource transfer method; finally, when a trigger operation for the target resource transfer icon on the resource transfer interface is detected, performs resource transfer processing according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and sends the resource transfer method corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method. Based on the business query request initiated by the user, the target business resource information corresponding to the current target business processing can be determined, and the user's resource transfer habits and target resource transfer method can be obtained based on the target user information and the target business resource information. Then, the target business resource information and the target resource transfer method are displayed to the user based on the resource transfer interface, so that the user can select the resource transfer method based on the resource transfer interface, and the resource transfer process can be performed using the selected resource transfer method. Therefore, the resource transfer failure caused by insufficient resource information can be effectively avoided, and the business processing efficiency can be improved. At the same time, when displaying the resource transfer interface, the target resource transfer method can be determined based on the user's resource transfer habit information, and the target resource transfer method can be displayed to the user as the first resource transfer icon, which can avoid the user from screening among many resource transfer methods and further improve the business processing efficiency.

[0078] In an exemplary embodiment, as shown in FIG3 , optionally, obtaining the user's resource transfer habit information from the server according to the target user information and the target service resource information includes the following steps 301 to 303 . Among them:

[0079] Step 301: determine the resource amount indicated by the target service resource information.

[0080] Optionally, the corresponding resource amount may be determined based on the target resource information.

[0081] Step 302, determining the amount range in which the resource amount falls.

[0082] In one possible implementation, the resource amount is judged against multiple preset amount intervals one by one. For each amount interval, check whether the resource amount meets the conditions of the amount interval (for example, greater than or equal to the lower limit of the amount interval and less than or equal to the upper limit of the amount interval). If an amount interval that meets the conditions is found, the amount interval is used as the amount interval in which the resource amount is located. Otherwise, continue to check the next amount interval.

[0083] In another possible implementation, multiple preset amount intervals may be sorted according to upper or lower limits, and a binary search algorithm may be used to search the amount interval to which a given number belongs in the sorted amount interval list.

[0084] Step 303: Acquire resource transfer habit information according to the target user information and the amount range.

[0085] Optionally, the target user information and the amount range may be sent to the server, so that the server acquires the user's resource transfer habit information according to the target user information and the amount range.

[0086] Optionally, the server stores resource transfer habit information tables of multiple different users, and the resource transfer habit information table is used to describe the correspondence between multiple preset amount intervals and resource transfer methods. The target resource transfer habit information table can be determined based on the target user information, and then the resource transfer habit information can be determined from the target resource transfer habit information table based on the amount interval. It can be understood that the obtained resource transfer habit information can be the specific resource transfer method corresponding to the amount interval.

[0087] By determining the resource amount indicated by the target business resource information, determining the amount range in which the resource amount lies, and obtaining the resource transfer habit information based on the target user information and the amount range, the target resource transfer method corresponding to the target business resource information can be accurately determined, and the resource transfer icon corresponding to the target resource transfer method can be displayed to the user as the first resource transfer icon, which can avoid the user from screening among numerous resource transfer methods and can further improve business processing efficiency.

[0088] In an exemplary embodiment, as shown in FIG4 , optionally, the target user information includes a target user identifier, and the service resource information is determined according to the target service type and the target user information, including the following steps 401 to 403. Among them:

[0089] Step 401, determining the target user level according to the target user identifier.

[0090] Optionally, user level can be a system for service providers to classify and rate users based on user information. Taking the service provider as a bank as an example, the bank can classify users into different levels based on user information such as asset size, transaction behavior and credit record, so as to provide differentiated services and management.

[0091] Optionally, user level information may be queried according to the target user identifier to determine the target user level.

[0092] Step 402, determining the target product type according to the target business type.

[0093] Optionally, the target product type may be a level of the target product. Taking a bank as an example, the product may be a debit card, the target business type may be reissuance or replacement of a debit card, and the target product type may be a regular card, a platinum card or a customized card, etc.

[0094] In a possible implementation, the target business type may include a target product identifier, and product information may be queried according to the target product identifier to determine the target product type.

[0095] In another possible implementation, after the target service type is determined, the target product identifier may be determined according to the target user identifier, and then product information may be queried according to the target product identifier to determine the target product type.

[0096] Step 403: query the preset resource information table according to the target user level and the target product type to obtain the target business resource information.

[0097] The preset resource information table stores the corresponding relationship between different user levels and different service types and service resource information.

[0098] Optionally, the preset resource information table may be distributed from the server to the terminal, and the distribution method may include multi-level distribution, distribution based on the InterPlanetary File System, etc., which is not limited in the embodiments of the present application.

[0099] The above method determines the target user level according to the target user identifier, then determines the target product type according to the target business type, and finally, queries the preset resource information table according to the target user level and the target product type to obtain the target business resource information. This allows the target user to display the target business resource information required for this business processing to the user before performing the business processing. Therefore, when performing resource transfer processing, the target resource transfer type with sufficient resource value can be selected, thereby reducing the situation of resource transfer processing failure and improving business processing efficiency.

[0100] In an exemplary embodiment, as shown in FIG5 , optionally, determining the target service resource information according to the target service type and the target user information includes the following steps 501 to 502 . Among them:

[0101] Step 501: Send target service type and target user information to the server.

[0102] Optionally, a target service resource query request may be generated according to the target service type and target user information, and the request may be sent to the server.

[0103] Optionally, upon receiving the target service resource query request, the server may determine the target service resource information according to the target service type and the target user information, and send the target service resource information to the terminal.

[0104] Step 502: Receive target service resource information returned by the server.

[0105] The target service resource information is information determined by the server by querying a preset resource information table according to the target service type and target user information.

[0106] Optionally, the server can first determine the target product type based on the target business type, determine the target user level based on the target user identifier in the target user information, and then query the preset resource information table based on the target business type and the target user information to determine the target business resource information, wherein the preset resource information table can store the correspondence between different product types, different user levels and business resource information.

[0107] Optionally, the preset resource information table can be saved in the database of the server in the form of a database table, or saved in the server in the form of cache. It can be understood that when saved in the server in the form of cache, it can be stored in the server's memory or in redis. Storing it in the database can persist the query, and saving it in the form of cache can improve the query efficiency. The storage form of the preset resource information table in the embodiment of the present application is not limited and can be set according to actual needs.

[0108] The above-mentioned sending of the target business type and target user information to the server and receiving the target business resource information returned by the server can display the target business resource information required for this business processing to the user before performing the business processing. Therefore, when performing resource transfer processing, the target resource transfer type with sufficient resource value can be selected, thereby reducing the situation of resource transfer processing failure and improving business processing efficiency.

[0109] In an exemplary embodiment, as shown in FIG6 , optionally, the target user information includes target location information, and the method further includes the following steps 601 to 603. Among them:

[0110] Step 601, determining the target network point category according to the target business type.

[0111] The target network point category is used to indicate the service provider to which the target business type belongs.

[0112] In a possible implementation, the target business type includes the identification of the target product, and a preset product information table can be queried according to the identification of the target product to determine the target outlet category.

[0113] In another possible implementation, the target service type includes the target network point category, and the target network point category can be determined by parsing the target service type.

[0114] For example, taking the target business type as card replacement and the target product as debit card, the target branch category can be the bank to which the debit card belongs. Taking the target business type as card replacement and the target product as phone card, the target branch type can be the operator to which the phone card belongs, etc.

[0115] Step 602: determine the network point information of multiple candidate network points according to the target network point category and the target service type.

[0116] Optionally, the branch information may include location information, business hours, and business types of the branch.

[0117] Optionally, the network point information table corresponding to the target network point category can be obtained, and then the network point information table can be screened according to the target business type to determine multiple candidate network points and network point information of each candidate network point. It is understandable that different network point types correspond to different network point information tables, and the network point information table can be distributed by the server to the terminal.

[0118] In another possible implementation, the target network point category and the target service type may also be sent to the server, and the server determines network point information of multiple candidate network points and sends the network point information of each candidate network point to the terminal.

[0119] Step 603 , determining the network point information of the target network point according to the network point information of each candidate network point and the target position information, and outputting the network point information of the target network point based on the display interface.

[0120] Optionally, the target location information may be the user's location information. When the terminal is the user's terminal, the target location information may be input by the user through a display interface, or may be determined by the terminal's GPS positioning, network positioning, or base station positioning. When the terminal is a self-service terminal of a bank or an operator, the target location information may be the location of the self-service terminal, or may be determined based on the network positioning or base station positioning of the self-service terminal. The embodiments of the present application do not limit this.

[0121] Optionally, the target location information may also be other location information in addition to the user's current location information. The embodiment of the present application does not limit the type of target location information. It can be understood that when the target location information is other location information, the target location information may be determined by receiving user input on the display interface. For example, the target location information may be the location information of a street or a building in a city input by the user.

[0122] Optionally, the distance between each candidate point and the target location can be determined based on the location information of each candidate point and the target location information, and the candidate points whose distance to the target location meets a preset distance condition can be used as the target point. For example, one or more candidate points closest to the target location can be used as the target point.

[0123] Optionally, the network point information of the target network point may include location information, business hours, business type, and distance information from the target location of the target network point.

[0124] The above method determines the target outlet category according to the target business type, then determines the outlet information of multiple candidate outlets according to the target outlet category and the target business type, and then determines the outlet information of the target outlet according to the outlet information of each candidate outlet and the target location information, and outputs the outlet information of the target outlet based on the display interface. In this way, when the user chooses to go offline for product replacement or product reissue, the outlet information that can handle the target business type can be displayed to the user, that is, the user can quickly obtain the outlet information of the target outlet, reduce the number of consultations, and improve the efficiency of business processing.

[0125] In an exemplary embodiment, as shown in FIG7 , optionally, the target user information also includes target biometric information, and the method further includes the following steps 701 to 702. Among them:

[0126] Step 701, obtaining standard biometric information corresponding to the user according to the target user identification;

[0127] Optionally, the target biometric information and the standard biometric information include any one of the following: fingerprint information, iris information or face information.

[0128] In one possible implementation, when terminal 102 is a user's terminal, standard biometric information corresponding to the user is stored in terminal 102, and the standard biometric information corresponding to the user can be obtained from the information stored in the terminal according to the target user identifier, wherein the standard biometric information can be directly stored in the terminal or stored in the terminal after being encrypted, and the embodiments of the present application are not limited to this.

[0129] In another possible implementation, when terminal 102 is a user's terminal, or when terminal 102 is a self-service terminal of a bank or an operator, the standard biometric information corresponding to the user may also be stored in a storage medium of the server, and a target user identifier may be sent to the server so that the server determines the standard biometric information corresponding to the user based on the target user identifier, and then receives the standard biometric information sent by the server. Similarly, the received standard biometric information may be unencrypted or encrypted, and this is not limited to the embodiments of the present application.

[0130] Step 702: Perform security verification on the user based on the target biometric information and the standard biometric information.

[0131] Optionally, if the standard biometric information is encrypted, the corresponding encryption key can be obtained, the target biometric information can be encrypted according to the encryption key, and the encrypted target biometric information can be compared with the standard biometric information. That is, when the encrypted target biometric information is the same as the standard biometric information, the user is a safe user; when the encrypted target biometric information is inconsistent with the standard biometric information, the user is an abnormal user.

[0132] Optionally, if the standard biometric information is not encrypted, the target feature information can be compared with the standard biometric information to verify whether the user is a safe user, which will not be described in detail in the embodiments of the present application.

[0133] Optionally, it is possible to verify whether the user is a secure user before receiving the target preset resource transfer type identifier input by the user based on the display interface, or it is possible to verify whether the user is a secure user when receiving a business query request. The embodiment of the present application does not limit the timing of user security verification.

[0134] According to the target user identification, the standard biometric information corresponding to the user is obtained, and the user is securely verified according to the target biometric information and the standard biometric information. In this way, the user can be verified during the business processing to ensure the security of the business processing.

[0135] As an optional embodiment, as shown in FIG8 , the service processing method provided in the embodiment of the present application may include the following specific steps:

[0136] Step 801: Receive a service query request.

[0137] The service query request includes target service type and target user information.

[0138] Step 802: Determine the target user level according to the target user identifier.

[0139] Step 803: determine the target product type according to the target business type.

[0140] Step 804: query the preset resource information table according to the target user level and the target product type to obtain the target business resource information.

[0141] The preset resource information table stores the corresponding relationship between different user levels and different service types and service resource information.

[0142] Step 805: Send the target service type and target user information to the server.

[0143] Step 806: Receive the target service resource information returned by the server.

[0144] The target service resource information is information determined by the server by querying a preset resource information table according to the target service type and target user information.

[0145] Step 807, determining the resource amount indicated by the target business resource information, and determining the amount range in which the resource amount falls.

[0146] Step 808, obtaining resource transfer habit information according to the target user information and the amount range, and determining a target resource transfer method from a plurality of preset resource transfer methods according to the resource transfer habit information.

[0147] Step 809: Obtain standard biometric information corresponding to the user according to the target user identifier.

[0148] Step 810: Perform security verification on the user based on the target biometric information and the standard biometric information.

[0149] Step 811: If the user is a safe user, a resource transfer interface is displayed according to the target business resource information and the target resource transfer method.

[0150] Among them, the resource transfer interface displays the target business resource information, the first resource transfer icon corresponding to the target resource transfer method, and a drop-down icon. After the drop-down icon is triggered, the resource transfer interface displays multiple second resource transfer icons, and each second resource transfer icon corresponds to a different resource transfer method.

[0151] Step 812: When a trigger operation is detected for a target resource transfer icon on the resource transfer interface, resource transfer processing is performed according to the resource transfer mode corresponding to the target resource transfer icon and the target business resource information.

[0152] Step 813: Send the resource transfer mode corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer mode.

[0153] Optionally, the above steps 802-804 and steps 805-806 are two different methods for determining target business resource information, and the target business resource information can be determined according to either method.

[0154] It should be understood that, although the steps in the flowcharts involved in the above embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0155] Based on the same inventive concept, the embodiment of the present application also provides a business processing device for implementing the business processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in the one or more business processing device embodiments provided below can refer to the limitations on the business processing method above, and will not be repeated here.

[0156] In an exemplary embodiment, as shown in FIG. 9 , a service processing device 900 is provided, including: a receiving module 901, a determining module 902, an acquiring module 903, a displaying module 904 and a transferring module 905, wherein:

[0157] The receiving module 901 is used to receive a service query request, wherein the service query request includes a target service type and target user information;

[0158] The determination module 902 is used to determine the target service resource information according to the target service type and the target user information, and output the target service resource information and multiple preset resource transfer type identifiers based on the display interface;

[0159] The acquisition module 903 is used to acquire the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determine the target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information;

[0160] A display module 904 is used to display a resource transfer interface according to the target business resource information and the target resource transfer mode, wherein the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer mode, and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each of which corresponds to a different resource transfer mode;

[0161] Transfer module 905 is used to perform resource transfer processing according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information when a trigger operation is detected for the target resource transfer icon on the resource transfer interface, and send the resource transfer method corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

[0162] In one embodiment, the acquisition module 903 is specifically used to determine the resource amount indicated by the target business resource information; determine the amount range in which the resource amount is located; and obtain resource transfer habit information based on the target user information and the amount range.

[0163] In an exemplary embodiment, the target user information includes a target user identifier, and a determination module 902 is specifically used to: determine the target user level based on the target user identifier; determine the target product type based on the target business type; query a preset resource information table based on the target user level and the target product type to obtain the target business resource information, wherein the preset resource information table stores the correspondence between different user levels and different business types and business resource information.

[0164] In an exemplary embodiment, the determination module 902 is further configured to:

[0165] Send the target service type and target user information to the server; receive the target service resource information returned by the server, wherein the target service resource information is information determined by the server by querying a preset resource information table according to the target service type and target user information.

[0166] In an exemplary embodiment, the target user information includes target location information, and the determination module 902 is also used to: determine the target network point category according to the target business type, the target network point category is used to indicate the service provider to which the target business type belongs; determine the network point information of multiple candidate network points according to the target network point category and the target business type; determine the network point information of the target network point according to the network point information of each candidate network point and the target location information, and output the network point information of the target network point based on the display interface.

[0167] In an exemplary embodiment, the acquisition module 903 is further used to: acquire the standard biometric information corresponding to the user according to the target user identification; and perform security verification on the user according to the target biometric information and the standard biometric information.

[0168] Each module in the above-mentioned business processing device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of the processor in the business processing device in the form of hardware, or can be stored in the memory in the business processing device in the form of software, so that the processor can call and execute the operations corresponding to each module above.

[0169] In an exemplary embodiment, a business processing device is provided, which may be a terminal, and its internal structure diagram may be shown in FIG10. The business processing device includes a processor, a memory, an input / output interface, a communication interface, a display unit, and an input device. The processor, the memory, and the input / output interface are connected via a system bus, and the communication interface, the display unit, and the input device are connected to the system bus via the input / output interface. The processor of the business processing device is used to provide computing and control capabilities. The memory of the business processing device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the business processing device is used to exchange information between the processor and an external device. The communication interface of the business processing device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner may be implemented through WIFI, a mobile cellular network, near field communication (NFC) or other technologies. When the computer program is executed by the processor, a business processing method is implemented. The display unit of the business processing device is used to form a visually visible picture, which may be a display screen, a projection device, or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen. The input device of the business processing equipment can be a touch layer covering the display screen, or a button, trackball or touchpad set on the shell of the business processing equipment, or an external keyboard, touchpad or mouse.

[0170] Those skilled in the art will understand that the structure shown in FIG. 10 is merely a block diagram of a partial structure related to the scheme of the present application, and does not constitute a limitation on the business processing device to which the scheme of the present application is applied. The specific business processing device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0171] In an exemplary embodiment, a business processing device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps described in any of the above method embodiments when executing the computer program.

[0172] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps described in any of the above method embodiments are implemented.

[0173] In one embodiment, a computer program product is provided, including a computer program, which implements the steps described in any of the above method embodiments when executed by a processor.

[0174] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0175] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0176] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A business processing method, characterized in that: The method comprises: Receiving a service query request, wherein the service query request includes a target service type and target user information; Determine target service resource information according to the target service type and the target user information; Acquiring resource transfer habit information of the user from the server according to the target user information and the target business resource information, and determining a target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information; Displaying a resource transfer interface according to the target business resource information and the target resource transfer mode, wherein the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer mode, and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each of which corresponds to a different resource transfer mode; When a trigger operation is detected for a target resource transfer icon on the resource transfer interface, resource transfer processing is performed according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and the resource transfer method corresponding to the target resource transfer icon is sent to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

2. The method according to claim 1, characterized in that The acquiring the user's resource transfer habit information from the server according to the target user information and the target service resource information includes: Determining the resource amount indicated by the target service resource information; Determine the amount range in which the resource amount falls; The resource transfer habit information is acquired according to the target user information and the amount range.

3. The method according to claim 1, characterized in that The target user information includes a target user identifier, and the determining of service resource information according to the target service type and the target user information includes: Determine the target user level according to the target user identifier; Determine the target product type according to the target business type; The target service resource information is obtained by querying a preset resource information table according to the target user level and the target product type. The preset resource information table stores the correspondence between different user levels and different service types and service resource information.

4. The method according to claim 1, characterized in that The determining target service resource information according to the target service type and the target user information includes: Sending the target service type and the target user information to the server; The target service resource information returned by the server is received, wherein the target service resource information is information determined by the server by querying a preset resource information table according to the target service type and the target user information.

5. The method according to any one of claims 1 to 3, characterized in that: The target user information includes target location information, and the method further includes: Determine a target network point category according to the target service type, wherein the target network point category is used to indicate a service provider to which the target service type belongs; Determine the network point information of multiple candidate network points according to the target network point category and the target business type; The network point information of the target network point is determined according to the network point information of each candidate network point and the target position information, and the network point information of the target network point is output based on a display interface.

6. The method according to claim 3, characterized in that The target user information also includes target biometric information, and the method further includes: According to the target user identifier, obtaining standard biometric information corresponding to the user; The user is security authenticated according to the target biometric information and the standard biometric information.

7. A service processing device, characterized in that: The device comprises: A receiving module, configured to receive a service query request, wherein the service query request includes target service type and target user information; A determination module, used to determine target service resource information according to the target service type and the target user information; an acquisition module, configured to acquire the user's resource transfer habit information from the server according to the target user information and the target business resource information, and determine a target resource transfer mode from a plurality of preset resource transfer modes according to the resource transfer habit information; a display module, configured to display a resource transfer interface according to the target business resource information and the target resource transfer mode, wherein the resource transfer interface displays the target business resource information, a first resource transfer icon corresponding to the target resource transfer mode, and a drop-down icon, wherein after the drop-down icon is triggered, the resource transfer interface displays a plurality of second resource transfer icons, each of which corresponds to a different resource transfer mode; A transfer module is used to, when a trigger operation is detected for a target resource transfer icon on the resource transfer interface, perform resource transfer processing according to the resource transfer method corresponding to the target resource transfer icon and the target business resource information, and send the resource transfer method corresponding to the target resource transfer icon to the server to instruct the server to update the resource transfer habit information according to the sent resource transfer method.

8. The device according to claim 7, characterized in that The acquisition module is specifically used to determine the resource amount indicated by the target business resource information; determine the amount range in which the resource amount is located; and acquire the resource transfer habit information based on the target user information and the amount range.

9. The device according to claim 7, characterized in that The target user information includes a target user identifier and a determination module, which is specifically used to: determine the target user level according to the target user identifier; determine the target product type according to the target business type; query a preset resource information table according to the target user level and the target product type to obtain the target business resource information, wherein the preset resource information table stores the correspondence between different user levels and different business types and business resource information.

10. The device according to claim 7, characterized in that The determination module is also used to: send the target business type and the target user information to the server; receive the target business resource information returned by the server, wherein the target business resource information is information determined by the server by querying a preset resource information table based on the target business type and the target user information.

11. The device according to any one of claims 7 to 9, characterized in that: The target user information includes target location information. The determination module is further used to: determine a target network point category according to the target service type, wherein the target network point category is used to indicate a service provider to which the target service type belongs; determine network point information of multiple candidate network points according to the target network point category and the target service type; The network point information of the target network point is determined according to the network point information of each candidate network point and the target position information, and the network point information of the target network point is output based on a display interface.

12. The device according to claim 8, characterized in that The target user information also includes target biometric information. The acquisition module is further used to: acquire standard biometric information corresponding to the user according to the target user identifier; and perform security verification on the user according to the target biometric information and the standard biometric information.

13. A service processing device, comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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