Method, device, system and equipment for processing query and reply message and medium

Abstract

The embodiment of the invention provides a method, a device, a system, equipment and a medium for processing a query and reply message. The method can be used in artificial intelligence field. The method comprises the following steps: when a system receives a query and check message, an intelligent execution module selects a target business process corresponding to the message from a process template module, and automatically executes a query and check operation on the basis of predefined business processing logic and node information in an intelligent contract until the processing process is finished; and obtaining a query and review result and returning the query and review result to the server which sends the query and review message. The method is used for achieving the effects of further reducing the dependence on manual operation and realizing efficient and automatic processing of the query message.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence, and in particular to a method, device, system, equipment and medium for processing query and reply messages. Background Art

[0002] Inquiry and reply messages are used in international payment business to handle the transactions caused by the inability to enter the account normally or the modification, correction, stop payment, and fee collection initiated by the payee and payee. As a unique business form in a subdivision of the bank, the inquiry and reply business has many financial professional terms, many financial abbreviations, complex business scenarios, and no fixed format for the key content of the message.

[0003] In traditional payment systems, this type of business usually relies on manual operations. Business analysis, judgment and processing are almost entirely completed manually by staff, involving review, authorization and supervision positions. The level of automation is low and consumes a lot of human resources. In recent years, the automated message processing method has gradually been applied in international payment business, which has reduced manual operations to a certain extent and improved processing efficiency. However, for complex business scenarios and non-standardized message content, manual intervention is still required.

[0004] In summary, how to further reduce the reliance on manual operations and achieve efficient and automated processing of query and reply messages is an issue that needs to be addressed urgently. Summary of the invention

[0005] The embodiments of the present application provide a method, apparatus, system, device and medium for processing query and reply messages, so as to further reduce the reliance on manual operation and achieve efficient and automated processing in the process of processing query and reply messages.

[0006] In a first aspect, an embodiment of the present application provides a method for processing a query reply message, which is applied to an intelligent execution module in a query reply system, wherein the query reply system further includes a data module, a process template module, and an intelligent contract module respectively connected to the intelligent execution module, and the method includes:

[0007] When receiving a query reply message sent by a service end of another financial institution, determining a target business process corresponding to the query reply message from the multiple business processes stored in the process template module, wherein the target business process includes at least one execution step;

[0008] Obtaining the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module;

[0009] According to the target business process, the business processing logic corresponding to each execution step and the process node information, the operation corresponding to the query and reply message is executed to obtain the query and reply result;

[0010] The query response result is returned to the server.

[0011] In a possible implementation, the method further includes:

[0012] In the process of executing the operation corresponding to the query and reply message, a self-check is performed based on the business processing logic of each execution step and the process node information to determine whether an abnormality occurs in the intelligent execution module;

[0013] If an exception is determined, an exception prompt message is pushed.

[0014] In a possible implementation, the method further includes:

[0015] In the process of executing the operation corresponding to the query reply message, the execution information of each execution step is recorded and stored in the data module;

[0016] The execution information includes at least one of an operation account, transaction information and execution time.

[0017] In a possible implementation, when receiving a query reply message sent by a service end of another financial institution, before determining a target business process corresponding to the query reply message from a plurality of business processes stored in the process template module, the method includes:

[0018] In response to an account login operation, obtaining input account information;

[0019] According to the pre-configured operation authority information, the account information is verified for authority, and after the verification is passed, the account information is used to log in, and the account information is determined as the operation account.

[0020] In a possible implementation, the method further includes:

[0021] In response to a batch report acquisition request sent by a terminal device, the execution information recorded in the processing of multiple query and reply messages is acquired from the data module;

[0022] A batch report is generated according to the plurality of execution information, and the batch report is returned to the terminal device.

[0023] In a possible implementation, the processing of the query and reply message is performed according to the target business process, the business processing logic corresponding to each execution step, and the process node information to obtain the query and reply result, including:

[0024] Determining the execution order of the at least one execution step according to the business processing logic corresponding to each execution step;

[0025] According to the execution order and the process node information of each execution step, the query and reply message is processed to obtain the query and reply result;

[0026] The query and response results include transaction information, operating account status information, operating account holder information, credit data, and risk and compliance assessments.

[0027] In a second aspect, an embodiment of the present application provides a query reply message processing device, including:

[0028] A first processing module is used to determine, when receiving a query reply message sent by a service end of another financial institution, a target business process corresponding to the query reply message from the multiple business processes stored in the process template module, wherein the target business process includes at least one execution step;

[0029] A second processing module is used to obtain the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module;

[0030] The third processing module is used to perform the operation corresponding to the query and reply message according to the target business process, the business processing logic corresponding to each execution step and the process node information, and obtain the query and reply result;

[0031] The fourth processing module is used to return the query response result to the server.

[0032] In a third aspect, an embodiment of the present application provides a computer device, including: a memory, a processor;

[0033] The memory stores computer-executable instructions;

[0034] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0035] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0036] In a fifth aspect, an embodiment of the present application provides a query and reply system, including:

[0037] An intelligent execution module, a data module, a process template module and an intelligent contract module respectively connected to the intelligent execution module;

[0038] The intelligent execution module executes the first aspect and / or various possible implementations of the first aspect through the robotic process automation (RPA) technology;

[0039] The process template module is used to store different operation process templates;

[0040] The smart contract module is used to store executable conditions and customized configurations;

[0041] The data module is used to store the execution information of the intelligent execution module.

[0042] In a sixth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0043] The embodiments of the present application provide a method, device, system, equipment and medium for processing query and reply messages, which efficiently process query and reply messages from other financial institutions through the design and integration of intelligent execution modules. In this scheme, when the system receives a query and reply message, the intelligent execution module selects the target business process corresponding to the message from the process template module, automatically executes the query and reply operation based on the predefined business processing logic and node information in the smart contract, and returns the query and reply result to the server that sent the query and reply message. Through the above method, not only the processing speed is improved, but also the error risk of manual intervention is reduced, the automatic processing of complex business processes is realized, the response speed and accuracy of the system are further improved, the flexibility and scalability of the system are enhanced, and it can adapt to the diverse needs of different financial institutions. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0045] Figure 1 A schematic diagram of a scenario of a method for processing a query reply message provided in this application;

[0046] Figure 2 A flowchart of a method for processing a query reply message provided by this application Figure 1 ;

[0047] Figure 3 A flowchart of a method for processing a query reply message provided by this application Figure 2 ;

[0048] Figure 4 A schematic diagram of the structure of a query and reply message processing device provided by the present application;

[0049] Figure 5 A schematic diagram of the structure of a computer device provided for this application;

[0050] Figure 6 A structural diagram of a query and reply message system provided for this application.

[0051] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0052] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0053] First, the terms involved in this application are explained:

[0054] Inquiry and reply: In electronic banking business, after receiving a remittance, if the beneficiary information does not match the bank's records, the beneficiary bank will send a message request to the remitting bank through the banking system to confirm or correct the relevant information.

[0055] RPA technology: refers to Robotic process automation (RPA), a business process automation technology based on software robots and artificial intelligence. The RPA system is an application that performs large-scale, repeatable tasks based on certain rules by imitating the manual operation of end users on computers.

[0056] Figure 1 A scenario diagram of a method for processing a query reply message provided by this application, such as Figure 1As shown, the application scenarios of this application are mainly concentrated in various financial industries, especially in occasions involving business queries and responses between multiple financial institutions. When the system of financial institution A receives a query and reply message sent by financial institution B, the intelligent execution module selects the target business process corresponding to the message from the process template module, and automatically executes the query and reply operation based on the predefined business processing logic and node information in the smart contract, and returns the query and reply results to the server of financial institution B. Among them, the intelligent execution module executes the query and reply message processing method through the robot process automation RPA technology, that is, the intelligent execution module can be an RPA robot. Of course, the execution subject here is only used for example. For the physical devices involved in the above statements, they are all exemplary in the figure and do not represent the only one. This application does not specifically limit the specific form and type of the physical devices involved.

[0057] Combined with the above scenarios, it can be seen that in the prior art, there are technical problems such as consuming a large amount of human resources and low efficiency in query and reply message processing by relying on manual operations and existing automated query and reply message processing methods. The present application provides a method, device, system, equipment and medium for processing query and reply messages. Through the design and integration of RPA robots, the technical means for efficiently processing query and reply messages from other financial institutions further reduces the reliance on manual operations, which not only improves the processing speed, but also reduces the risk of errors caused by manual intervention, realizes the automated processing of complex business processes, and improves the response speed and accuracy of the system.

[0058] It should be noted that the method and device for processing query and reply messages provided in the present application can be used in the field of artificial intelligence, and can also be used in any field except the field of artificial intelligence. The application field of the method and device for processing query and reply messages provided in the present application is not limited.

[0059] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0060] Figure 2 A flowchart of a method for processing a query reply message provided by this application Figure 1 , the method is applied to the intelligent execution module in the query and reply system, and the query and reply system also includes a data module, a process template module and an intelligent contract module respectively connected to the intelligent execution module, such as Figure 2 As shown, the method specifically includes:

[0061] S201. When receiving a query reply message sent by a service end of another financial institution, determine a target business process corresponding to the query reply message from a variety of business processes stored in a process template module, wherein the target business process includes at least one execution step.

[0062] Prior to this step, the method for processing the query reply message also includes: obtaining input account information in response to an account login operation; performing authority verification on the account information according to pre-configured operation authority information, and using the account information to log in after the verification is passed, and determining the account information as the operation account.

[0063] Specifically, for processing query and reply messages from different financial institutions, in response to the account login operation, the input account information is obtained. The account information is the specific user or system account information responsible for executing the query and reply message operation. The user pre-configures the system resources and data that the RPA robot can access and operate to ensure that the RPA robot can only access its authorized resources to prevent unauthorized operations. When the RPA robot passes the authority verification of the account information, it uses the account information to log in and determines the account information as the operating account.

[0064] In step S201, the process template module is used to store different operation process templates, which define standardized steps for processing various financial businesses. For example, in cross-institution account inquiries, the process template includes steps such as verifying the source of the request, checking account permissions, and querying account balances and transaction records. In the transaction reconciliation scenario, the process template involves collecting transaction data, matching transaction records, identifying inconsistencies, and generating reconciliation reports. In the credit information exchange process, the process template includes verifying the identity of the requester, retrieving the customer's credit history, evaluating the credit score, and returning the credit report. In addition, for compliance checks, the process template defines steps such as reviewing transaction compliance, checking anti-money laundering alerts, and recording compliance review results.

[0065] Specifically, when the RPA robot receives a query and reply message sent by the server of other financial institutions, it successfully logs in using the operation account and determines the target business process corresponding to the query and reply message from the process template module. As mentioned above, for the process template of the different financial business, the business process includes at least one execution step.

[0066] S202. Obtain the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module.

[0067] In this step, the smart contract module is used to store executable conditions and customized configurations, indicating the business processing logic and process node information provided by each execution step in the target business process. Executable conditions include a series of trigger conditions and rules, which are used to specify under what circumstances a certain execution step should be initiated. For example, in the processing flow of the query and reply message of a cross-institutional account query business, the smart contract stipulates that the account information query step will only be executed after the identity of the requester is successfully verified. Customized configuration stipulates that different financial institutions can customize a certain execution step in the process template according to their own business needs. For example, financial institution C hopes to add additional review steps to the ordinary basic reconciliation operations during the transaction reconciliation process. Through flexible customized configuration, the flexibility and scalability of the system are enhanced, so that the system can adapt to the diverse needs of different financial institutions.

[0068] Specifically, when the RPA robot receives a query and reply message sent by the server of other financial institutions, it successfully logs in using the operating account, determines the target business process corresponding to the query and reply message from the process template module, and then obtains the business processing logic and process node information corresponding to each execution step in the target business process based on the smart contract module.

[0069] Business processing logic uses conditional statements to perform different operations based on different input or environmental conditions. For example, the business logic sets a conditional judgment that funds transfer will only proceed after user identity verification is successful. Process node information defines the position and role of each execution step in the entire business process. Node information describes the input, output, and connection relationship of the execution step with other nodes to ensure that the order and dependencies of the process are properly managed. For example, the funds transfer step depends on the output result of the user identity verification of the previous step, or needs to wait for multiple parallel steps to complete before execution. For example, in the query and reply message processing flow of the loan approval business, the loan approval decision step must wait for the three parallel steps of credit score check, income verification, and asset evaluation to complete and obtain their output results. If the credit score meets a certain standard, the income verification shows that the applicant has sufficient income, and the asset evaluation confirms that the applicant has sufficient assets, that is, the results of all steps meet specific conditions, the loan approval decision step can be executed. Node information is also used to manage the status of the process, helping the system track the execution progress and results of each step.

[0070] Through the smart contract module, the system can execute complex business processes in an automated and standardized manner while retaining flexible control over the process. This not only improves the efficiency and accuracy of business processing, but also enhances the adaptability of the system, enabling it to quickly respond to changes in the business environment and adjustments to customer needs.

[0071] S203. According to the target business process, the business processing logic corresponding to each execution step and the process node information, the operation corresponding to the query and reply message is executed to obtain the query and reply result.

[0072] In this step, when the RPA robot receives the query and reply message sent by the server of other financial institutions, after successfully logging in with the operation account, it determines the target business process corresponding to the query and reply message from the process template module, and then determines the execution order of at least one execution step based on the business processing logic and process node information corresponding to each execution step in the target business process in the smart contract module and the business processing logic corresponding to each execution step. According to the execution order and the process node information of each execution step, the query and reply message is processed until the processing process ends and the query and reply result is obtained. The query and reply result includes transaction information, account status information, account holder information, credit data, and risk and compliance assessment. For example, if the query and reply message involves a transfer transaction business, the query and reply result includes relevant account holder information, such as account balance, recent transaction records, account status (active, frozen, closed, or with any restrictions, etc.), credit score, outstanding loan information, and business recommendations or decision support based on risk and compliance assessment.

[0073] In a specific implementation, during the execution of the operation corresponding to the query and reply message, a self-check is performed based on the business processing logic of each execution step and the process node information to determine whether an abnormality occurs in the intelligent execution module; if an abnormality is determined, an abnormal prompt message is pushed, so that the user can intervene manually in time to ensure the smooth processing of the query and reply message.

[0074] In another possible implementation, in the process of executing the operation corresponding to the query and reply message, the execution information at the time of each execution step is recorded and stored in the data module; wherein the execution information includes at least one of the operation account, transaction information and execution time. Specifically, the operation account refers to the account that the RPA robot responds to the account login operation, passes the authority verification of the account information, and uses the account information to log in; the transaction information refers to all relevant account holder information in the relevant business involved in this query and reply message; the execution time refers to the time when the RPA robot executes each step, including the start time, end time and total running time, which is used to evaluate the workload, efficiency and contribution of the RPA robot to the business process.

[0075] S204: Return the query result to the server.

[0076] In this step, when the RPA robot receives a query and reply message sent by the server of other financial institutions, it will log in successfully with the operating account, determine the target business process corresponding to the query and reply message from the process template module, and then process the query and reply message based on the business processing logic and node information corresponding to each execution step determined by the smart contract module until the processing process is completed and the query and reply result is obtained. The query and reply result is returned to the server.

[0077] The method for processing query and reply messages provided in the embodiment of the present application, by receiving query and reply messages from other financial institutions, uses the process template module and the smart contract module to automatically determine the target business process corresponding to the message, and obtains the business processing logic and process node information of each execution step. After the authority verification is passed, the RPA robot logs in using the operation account, and based on the above information, automatically executes the relevant business processes, finally generates the query and reply results, and returns the query and reply results to the server, and the system realizes efficient cross-institutional information exchange. Through the above method, the efficiency and accuracy of business processing are improved, the flexibility and adaptability of the system are enhanced, and the changes in the business environment and the adjustment of customer needs are quickly responded to, ensuring the reliability and timeliness of information exchange between financial institutions.

[0078] Figure 3 A flowchart of a method for processing a query reply message provided by this application Figure 2 ,like Figure 3 As shown, based on the above embodiment, the query reply message processing method specifically further includes:

[0079] S301. In response to a batch report acquisition request sent by a terminal device, execution information recorded in a process of processing multiple query and reply messages is acquired from a data module.

[0080] In this step, the terminal device can be a local personal computer (PC), a desktop computer, a smart terminal, or other electronic device with account operation authority and data processing capabilities. This solution does not limit the specific device form.

[0081] S302: Generate a batch report according to the plurality of execution information, and return the batch report to the terminal device.

[0082] In this step, the system batches the execution information obtained from the data module into reports, that is, generates batch reports for archiving and verification of relevant business transaction records involved in query and reply messages, as well as for evaluating the workload, efficiency and contribution of RPA robots to business processes, so as to better monitor the performance of RPA robots, optimize business processes, and ensure the accuracy and compliance of operations.

[0083] The method for processing query and reply messages provided in the embodiment of the present application improves the comprehensive management capability of the system by adding the generation and return function of batch reports. In this method, the system responds to the batch report acquisition request sent by the terminal device, and extracts the execution information recorded in the processing of multiple query and reply messages from the data module. And the execution information is batch processed to generate detailed batch reports. By returning the batch reports to the terminal device, the user can better monitor the performance of the RPA robot, identify potential optimization opportunities, and ensure the accuracy and compliance of the operation. Through the above method, the data processing and analysis capabilities of the system are enhanced, enabling financial institutions to perform business process management and decision support at a higher level, ensuring the efficiency and reliability of information processing, while improving the transparency and traceability of the system.

[0084] Figure 4 A schematic diagram of the structure of a query and reply message processing device provided by the present application, such as Figure 4 As shown, the query reply message processing device 40 provided in this embodiment includes:

[0085] The first processing module 401 is used to determine a target business process corresponding to the query reply message from the multiple business processes stored in the process template module when receiving the query reply message sent by the service end of other financial institutions, and the target business process includes at least one execution step;

[0086] The second processing module 402 is used to obtain the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module;

[0087] The third processing module 403 is used to perform the operation corresponding to the query and reply message according to the target business process, the business processing logic corresponding to each execution step and the process node information, and obtain the query and reply result;

[0088] The fourth processing module 404 is used to return the query response result to the server.

[0089] The query and reply message processing device provided in the embodiment of the present application is used to execute the technical solution in the aforementioned method embodiment, and its implementation principle and technical effect are similar and will not be repeated here.

[0090] In a possible implementation, the query reply message processing device 40 further includes:

[0091] The fifth processing module 405 is used to perform self-checking based on the business processing logic of each execution step and the process node information during the execution of the operation corresponding to the query and reply message to determine whether an abnormality occurs in the intelligent execution module; if an abnormality is determined to occur, an abnormal prompt information is pushed.

[0092] The sixth processing module 406 is used to record the execution information of each execution step during the execution of the operation corresponding to the query and reply message, and store it in the data module; wherein the execution information includes at least one of the operation account, transaction information and execution time.

[0093] The seventh processing module 407 is used to respond to the account login operation, obtain the input account information; verify the account information according to the pre-configured operation authority information, and use the account information to log in after the verification is passed, and determine the account information as the operation account.

[0094] The eighth processing module 408 is used to respond to the batch report acquisition request sent by the terminal device, obtain the execution information recorded in the processing of multiple query and reply messages from the data module; generate a batch report according to the multiple execution information, and return the batch report to the terminal device.

[0095] In a possible implementation, the third processing module 403 is specifically configured to:

[0096] Determine the execution order of at least one execution step according to the business processing logic corresponding to each execution step;

[0097] According to the execution order and the process node information of each execution step, the query and reply message is processed to obtain the query and reply result.

[0098] Among them, the query and response results include transaction information, operating account status information, operating account holder information, credit data, and risk and compliance assessments.

[0099] The query and reply message processing device provided in any of the above embodiments is used to execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, which will not be described in detail in this embodiment.

[0100] Figure 5 This is a schematic diagram of the structure of a computer device provided in this application. Figure 5 As shown, the computer device 50 provided in this embodiment includes: at least one processor 501 and a memory 502 .

[0101] Optionally, the device 50 further includes a communication component 503 . The processor 501 , the memory 502 and the communication component 503 are connected via a bus 504 .

[0102] In a specific implementation process, at least one processor 501 executes the computer-executable instructions stored in the memory 502, so that at least one processor 501 executes the above method.

[0103] The specific implementation process of the processor 501 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0104] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0105] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0106] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0107] Figure 6 A structural diagram of a query and reply message system provided by this application. Figure 6 As shown, the query and reply message system 60 provided in this embodiment includes: an intelligent execution module 601, a data module 602, a process template module 603 and a smart contract module 604 respectively connected to the intelligent execution module 601.

[0108] The intelligent execution module 601 executes the method provided in the above method embodiment through the robotic process automation RPA technology. Its implementation principle and technical effects are similar, and are not described in detail in this embodiment.

[0109] The data module 602 is used to store the execution information of the intelligent execution module; the process template module 603 is used to store different operation process templates; and the smart contract module 604 is used to store executable conditions and customized configurations.

[0110] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0111] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0112] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0113] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0114] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0115] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0116] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0117] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0118] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A method for processing a query reply message, characterized in that: An intelligent execution module is applied to a query and reply system, wherein the query and reply system further comprises a data module, a process template module and an intelligent contract module respectively connected to the intelligent execution module, and the method comprises: When receiving a query reply message sent by a service end of another financial institution, determining a target business process corresponding to the query reply message from the multiple business processes stored in the process template module, wherein the target business process includes at least one execution step; Obtaining the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module; According to the target business process, the business processing logic corresponding to each execution step and the process node information, the operation corresponding to the query and reply message is executed to obtain the query and reply result; The query response result is returned to the server.

2. The method according to claim 1, characterized in that The method further comprises: In the process of executing the operation corresponding to the query and reply message, a self-check is performed based on the business processing logic of each execution step and the process node information to determine whether an abnormality occurs in the intelligent execution module; If an exception is determined, an exception prompt message is pushed.

3. The method according to claim 1, characterized in that The method further comprises: In the process of executing the operation corresponding to the query reply message, the execution information of each execution step is recorded and stored in the data module; The execution information includes at least one of an operation account, transaction information and execution time.

4. The method according to any one of claims 1 to 3, characterized in that: When receiving the query reply message sent by the service end of other financial institutions, before determining the target business process corresponding to the query reply message from the multiple business processes stored in the process template module, the method includes: In response to an account login operation, obtaining input account information; According to the pre-configured operation authority information, the account information is verified for authority, and after the verification is passed, the account information is used to log in, and the account information is determined as the operation account.

5. The method according to claim 3, characterized in that: The method further comprises: In response to a batch report acquisition request sent by a terminal device, the execution information recorded in the processing of multiple query and reply messages is acquired from the data module; A batch report is generated according to the plurality of execution information, and the batch report is returned to the terminal device.

6. The method according to any one of claims 1 to 3, characterized in that: According to the target business process, the business processing logic corresponding to each execution step and the process node information, the query and reply message is processed to obtain the query and reply result, including: Determining the execution order of the at least one execution step according to the business processing logic corresponding to each execution step; According to the execution order and the process node information of each execution step, the query and reply message is processed to obtain the query and reply result; The query and response results include transaction information, operating account status information, operating account holder information, credit data, and risk and compliance assessments.

7. A device for processing query and reply messages, characterized in that: include: A first processing module is used to determine, when receiving a query reply message sent by a service end of another financial institution, a target business process corresponding to the query reply message from the multiple business processes stored in the process template module, wherein the target business process includes at least one execution step; A second processing module is used to obtain the business processing logic and process node information corresponding to each execution step in the target business process from the smart contract module; The third processing module is used to perform the operation corresponding to the query and reply message according to the target business process, the business processing logic corresponding to each execution step and the process node information, and obtain the query and reply result; The fourth processing module is used to return the query response result to the server.

8. A computer device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor executes the method for processing query and reply messages according to any one of claims 1 to 6.

9. A query and reply system, characterized in that: include: An intelligent execution module, a data module, a process template module and an intelligent contract module respectively connected to the intelligent execution module; The intelligent execution module executes the method according to any one of claims 1 to 6 through robotic process automation (RPA) technology; The process template module is used to store different operation process templates; The smart contract module is used to store executable conditions and customized configurations; The data module is used to store the execution information of the intelligent execution module.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method for processing query and reply messages according to any one of claims 1 to 6.

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