Method, device and equipment for processing business data and computer readable medium

Abstract

The invention discloses a business data processing method, device and equipment and a computer readable medium, and relates to the technical field of artificial intelligence. A specific embodiment of the method comprises the steps of constructing a financial product dialogue of a user according to historical business data of the user, receiving and analyzing feedback information of the user for the financial product dialogue, and obtaining business demand data of the user; screening financial product type information and financial service user information of the user from the service demand data, and inputting the financial service information of the user into a financial product recommendation model to obtain a recommended financial service product output by the financial product recommendation model so as to obtain a matched financial service product of the user; and according to the product information of the matched financial service product of the user and the financial service user information of the user, establishing a text description of the matched financial service product, and generating an image of the matched financial service product by using the text description of the financial service product. According to the embodiment, the amount of information for pushing the financial product can be increased.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a method, device, equipment and computer-readable medium for processing business data. Background Art

[0002] With the development of machine learning, intelligent customer service has been widely used in the financial industry. Intelligent customer service can answer questions for users and also recommend financial products to different users.

[0003] In the process of implementing the present invention, the inventors found that there are at least the following problems in the prior art: the intelligent customer service uses messages to push information about financial products, which is limited by the message fields, resulting in a small amount of information about financial products. Summary of the invention

[0004] In view of this, embodiments of the present invention provide a method, apparatus, device and computer-readable medium for processing business data, which can increase the amount of information pushed about financial products.

[0005] To achieve the above object, according to one aspect of an embodiment of the present invention, a method for processing business data is provided, comprising:

[0006] Constructing a financial product dialogue for the user according to the user's historical business data, sending the financial product dialogue according to the business sequence of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data;

[0007] Filtering financial product type information and financial service user information of the user from the service demand data, inputting the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching the recommended financial service products using the financial product type information to obtain matching financial service products for the user;

[0008] A text description of the matching financial service product is constructed based on the product information of the matching financial service product of the user and the financial service user information of the user, and an image of the matching financial service product is generated using the text description of the financial service product, and the image of the matching financial service product is pushed to the user.

[0009] The step of constructing the user's financial product dialogue according to the user's historical business data, sending the financial product dialogue according to the business sequence of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data includes:

[0010] According to the historical risk data, historical income data and current balance data in the historical business data of the user, the financial product dialogue of the user is respectively constructed, and the business sequence of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue;

[0011] Receive feedback information from the user regarding the financial product dialogue, analyze the feedback information from the user regarding the financial product dialogue according to the business sequence corresponding to the financial product, and obtain business demand data of the user.

[0012] The step of constructing the user's financial product dialogue according to the historical risk data, the historical return data, and the current balance data in the user's historical business data, determining the business sequence of the financial product dialogue according to the importance of the historical business data, and sending the financial product dialogue according to the business sequence of the financial product dialogue includes:

[0013] According to the user risk data and historical financial product types in the historical risk data, a financial product risk dialogue of the user is constructed; according to the user income data and historical financial product types in the historical income data, a financial product income dialogue of the user is constructed; according to the current balance data and financial product data, a financial product balance dialogue of the user is constructed; and the financial product dialogue is established with the financial product risk dialogue, the financial product income dialogue and the financial product balance dialogue;

[0014] The importance of the historical business data is determined according to preset financial business data parameters or user financial business data parameters, the business sequence of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue.

[0015] The receiving feedback information of the user regarding the dialogue on the financial product, analyzing the feedback information of the user regarding the dialogue on the financial product according to the service sequence corresponding to the financial product, and obtaining the service demand data of the user includes:

[0016] receiving feedback information from the user regarding the financial product dialogue, and obtaining each type of financial product dialogue according to the business sequence corresponding to the financial product;

[0017] In each type of financial product dialogue, the business data of the type is acquired from the financial database corresponding to the type, thereby determining the business demand information of the user.

[0018] The step of selecting financial product type information and financial service user information of a user from the service demand data, inputting the financial service information of the user into a financial product recommendation model to obtain a recommended financial service product output by the financial product recommendation model, and matching the recommended financial service product with the financial product type information to obtain a matching financial service product for the user includes:

[0019] Filtering out financial product type information from the business demand data based on a financial product type database, and using the remaining business demand data after filtering as the user's financial business user information;

[0020] The user's financial service information is input into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching financial service products for the user are obtained among the recommended financial service products according to the financial product type information.

[0021] The step of forming a text description of the matching financial service product according to the product information of the matching financial service product of the user and the financial service user information of the user, generating an image of the matching financial service product by using the text description of the financial service product, and pushing the image of the matching financial service product to the user includes:

[0022] Inputting the product information of the matching financial service product of the user and the financial service user information of the user into a text generation model, and the text generation model outputs an original text description of the matching financial service product;

[0023] According to the product feature text in the product information of the matching financial business product of the user, the original text description of the matching financial business product is updated to obtain the text description of the matching financial business product, and the text description of the matching financial business product is used to generate an image of the matching financial business product, and the image of the matching financial business product is pushed to the user.

[0024] The updating of the original text description of the matching financial service product according to the product feature text in the product information of the matching financial service product of the user includes:

[0025] The original text description of the matching financial service product is updated according to the product feature text in the product information of the matching financial service product of the user and the user appearance feature in the financial service user information of the user.

[0026] According to a second aspect of an embodiment of the present invention, there is provided a device for processing service data, including:

[0027] A business module, used to construct a financial product dialogue for the user according to the user's historical business data, send the financial product dialogue according to the business sequence of the financial product dialogue, receive and analyze the user's feedback information on the financial product dialogue, and obtain the user's business demand data;

[0028] a recommendation module, configured to filter out financial product type information and financial service user information of the user from the service demand data, input the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and match the recommended financial service products using the financial product type information to obtain matching financial service products for the user;

[0029] A matching module is used to assemble a text description of the matching financial business product based on the product information of the matching financial business product of the user and the financial business user information of the user, and to generate an image of the matching financial business product using the text description of the financial business product, and to push the image of the matching financial business product to the user.

[0030] According to a third aspect of an embodiment of the present invention, there is provided an electronic device for processing service data, including:

[0031] one or more processors;

[0032] a storage device for storing one or more programs,

[0033] When the one or more programs are executed by the one or more processors, the one or more processors implement the above method.

[0034] According to a fourth aspect of an embodiment of the present invention, there is provided a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method as described above is implemented.

[0035] According to a fifth aspect of an embodiment of the present invention, a computer program product is provided, including a computer program, and when the program is executed by a processor, the method as described above provided by an embodiment of the present invention is implemented.

[0036] One embodiment of the above invention has the following advantages or beneficial effects: constructing a financial product dialogue of the user according to the user's historical business data, sending the financial product dialogue according to the business order of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data; filtering out the financial product type information and the user's financial business user information from the business demand data, inputting the user's financial business information into the financial product recommendation model to obtain the recommended financial business products output by the financial product recommendation model, matching the recommended financial business products with the financial product type information, and obtaining the matching financial business products of the user; constructing the text description of the matching financial business product according to the product information of the matching financial business product of the user and the user information of the financial business, and generating the image of the matching financial business product with the text description of the financial business product, and pushing the image of the matching financial business product to the user. Compared with the message of the financial business product, the image of the financial business product displays the financial business product in an image manner, which can increase the amount of information pushed about the financial product.

[0037] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0039] Figure 1 is a schematic diagram of the main flow of a method for processing business data according to an embodiment of the present invention;

[0040] Figure 2 is a schematic diagram of a process of constructing a user's financial product dialogue to obtain the user's business demand data according to an embodiment of the present invention;

[0041] Figure 3 is a schematic diagram of a process of sending a financial product dialogue according to a business sequence of the financial product dialogue according to an embodiment of the present invention;

[0042] Figure 4 is a flow chart of obtaining user's business demand data by analyzing user's feedback information according to the business sequence corresponding to financial products according to an embodiment of the present invention;

[0043] Figure 5 is a schematic diagram of a process for matching and recommending financial service products by using financial product type information according to an embodiment of the present invention;

[0044] Figure 6 is a schematic diagram of a process of generating an image matching a financial service product by using a text description of a financial service product according to an embodiment of the present invention;

[0045] Figure 7 is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention;

[0046] Figure 8 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0047] Fig. 9 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0048] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description. The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0049] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0050] Intelligent customer service in the financial industry can serve users through conversations. During the conversation, intelligent customer service recommends financial products to users by sending messages. Intelligent customer service can also recommend products to users through pre-made posters. Since the posters are pre-made, they are not in line with the actual needs of users.

[0051] In order to solve the problem of less information and poor pertinence of financial products, the following technical solutions in the embodiments of the present invention may be adopted.

[0052] See also Figure 1 , Figure 1 1 is a schematic diagram of the main flow of a method for processing business data according to an embodiment of the present invention, determining financial business products based on financial product dialogues, and displaying financial business products in an image format combined with user information. Figure 1 As shown in 100, the following steps are specifically included:

[0053] S101. Construct a user's financial product dialogue according to the user's historical business data, send the financial product dialogue according to the business sequence of the financial product dialogue, receive and analyze the user's feedback information on the financial product dialogue, and obtain the user's business demand data.

[0054] In the embodiment of the present invention, in the process of recommending financial service products to users, a message is usually sent. However, the message field in the message limits the amount of information about the financial service product. Compared with the message, the amount of information carried by the image is much greater than the message. The information of the financial service product can be displayed by an image.

[0055] The user's financial product dialogue is constructed according to the user's historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue. The user's business demand data is obtained from the user's feedback information on the financial product dialogue.

[0056] See also Figure 2 That is 200, Figure 2 This is a flow chart of constructing a user's financial product dialogue to obtain the user's business demand data according to an embodiment of the present invention. Specifically, the following steps are included:

[0057] S201. Construct a financial product dialogue for the user according to the historical risk data, historical return data and current balance data in the historical business data of the user, respectively, determine the business order of the financial product dialogue according to the importance of the historical business data, and send the financial product dialogue according to the business order of the financial product dialogue.

[0058] In an embodiment of the present invention, in order to construct a financial product dialogue, corresponding financial product dialogues are constructed from three aspects of the user's historical business data. That is, the user's financial product dialogue is constructed from historical risk data, historical return data, and current balance data. Then, the business order of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business order of the financial product dialogue. The purpose of sending the financial product dialogue is to receive feedback from the user on the financial product dialogue.

[0059] See also Figure 3 That is 300, Figure 3 This is a flow chart of sending a financial product dialogue according to the business sequence of the financial product dialogue according to an embodiment of the present invention. Specifically, it includes the following steps:

[0060] S301. Construct a user's financial product risk dialogue based on the user's risk data and historical financial product types in the historical risk data; construct a user's financial product return dialogue based on the user's return data and historical financial product types in the historical return data; construct a user's financial product balance dialogue based on the current balance data and financial product data; and establish a financial product dialogue using the financial product risk dialogue, financial product return dialogue, and financial product balance dialogue.

[0061] In an embodiment of the present invention, the user's financial product dialogue is constructed from historical risk data, historical return data, and current balance data respectively.

[0062] According to the user risk data and historical financial product types in the historical risk data, the user's financial product risk dialogue is constructed. As an example, the user risk data includes high, and the financial product types with high user risk are screened out from the historical financial product types, and the user's financial product dialogue is constructed based on the financial product types with high user risk. For example, the user's financial product dialogue includes: Is it possible to buy a financial product with high user risk? Financial product 1 is a financial product with high user risk, is it possible to buy it? What other high user risk financial products need to be purchased?

[0063] According to the user's income data and historical financial product types in the historical income data, the user's financial product income dialogue is constructed. As an example, the user's income data includes 3%. The financial product types with income data of about 3% are screened out from the historical financial product types, and the user's financial product income dialogue is constructed based on the financial product types corresponding to the user's income data. For example, the user's financial product dialogue includes: Do you need to buy a financial product with an income of more than 3%? The historical income data of financial product 1 is 4%, do you need to buy it?

[0064] Based on the current balance data and financial product data, a user's financial product balance dialogue is constructed. As an example, the current balance data is 1,000 yuan, and financial products with a starting purchase amount of less than 1,000 yuan are screened out from the financial product data. For example, the user's financial product dialogue includes: Need to purchase financial product 1, the starting purchase amount is: 500 yuan?

[0065] S302: Determine the importance of historical business data according to preset financial business data parameters or user financial business data parameters, determine the service sequence of financial product dialogues according to the importance of historical business data, and send the financial product dialogues according to the service sequence of financial product dialogues.

[0066] Considering that the financial product dialogue includes three parts, namely, the financial product risk dialogue, the financial product income dialogue and the financial product balance dialogue, the importance of the historical business data can be determined according to the preset financial business data parameters or the user financial business data parameters.

[0067] As an example, the preset financial business data parameters include a dialogue priority, such as setting a dialogue on financial product risk to a high priority, setting a dialogue on financial product income to a medium priority, and setting a dialogue on financial product balance to a low priority.

[0068] As another example, the importance of historical business data is determined according to user financial business data parameters, which include: financial product revenue dialogue is high priority; financial product balance dialogue is medium priority; and financial product risk dialogue is low priority.

[0069] After determining the importance of the historical business data, the business order of the financial product dialogue can be determined according to the importance of the historical business data, and the financial product dialogue can be sent according to the business order of the financial product dialogue.

[0070] exist Figure 3 In the embodiment, the financial product dialogues are sent according to the business order of the financial product dialogues, and the financial product dialogues with the highest business order can often obtain the actual business needs of the user.

[0071] S202: Receive feedback information from users regarding financial product dialogues, analyze the feedback information from users regarding financial product dialogues according to the business sequence corresponding to the financial products, and obtain business demand data from users.

[0072] In an embodiment of the present invention, a user sends feedback information for a financial product conversation. The user's feedback information for the financial product conversation is received, and the user's feedback information for the financial product conversation is analyzed according to the service order corresponding to the financial product to obtain the user's service demand data. The higher the service order corresponding to the financial product, the higher the importance of the feedback information.

[0073] See also Figure 4 That is 400, Figure 4 This is a flow chart of analyzing the user's feedback information according to the business sequence corresponding to the financial product to obtain the user's business demand data according to an embodiment of the present invention. Specifically, it includes the following steps:

[0074] S401: Receive user feedback information on financial product dialogues, and obtain each type of financial product dialogue according to the business sequence corresponding to the financial products.

[0075] The higher the business order corresponding to the financial product is, the more important the financial product dialogue of this type is. After receiving the user's feedback information on the financial product dialogue, each type of financial product dialogue can be obtained according to the business order corresponding to the financial product.

[0076] S402: In each type of financial product dialogue, obtain the business data of the type according to the financial database corresponding to the type, and then determine the business demand information of the user.

[0077] In each type of financial product dialogue, the business data of the type is obtained according to the financial database corresponding to the type. As an example, the financial product dialogue is segmented to obtain multiple words, and the business data of the type is obtained based on the matching of the words in the financial database corresponding to the type.

[0078] The business order of each type of financial product dialogue is different. The business data obtained by the financial product dialogue with a higher business order is set with a higher priority in the business demand information. In other words, the priority of the business data involved in the business demand information is determined by the business order of the financial product dialogue. In this way, in the process of determining the business demand information, the priority of the financial product dialogue can be given priority.

[0079] exist Figure 4 In the embodiment, various types of business data are obtained based on the financial product dialogue, and then the user's business demand information is determined.

[0080] S102. Filter out financial product type information and the user's financial business user information from the business demand data, input the user's financial business information into the financial product recommendation model to obtain recommended financial business products output by the financial product recommendation model, and match the recommended financial business products using the financial product type information to obtain matching financial business products for the user.

[0081] In an embodiment of the present invention, in order to accurately and quickly obtain matching financial service products for users, financial product type information and user information of users can be screened out from the service demand data. The user's financial service user information is combined with a financial product recommendation model to obtain recommended financial service products. The recommended financial service products are screened using the financial product type information to obtain matching financial service products for the user.

[0082] See also Figure 5 That is 500, Figure 5 This is a flow chart of recommending financial business products by matching financial product type information according to an embodiment of the present invention. Specifically, it includes the following steps:

[0083] S501. Filter out financial product type information from the business demand data based on a financial product type database, and use the remaining business demand data after the screening as the user's financial business user information.

[0084] Business demand data can be divided into financial product type information and user information of financial services. Financial product type information represents information related to the type of financial products required by users. User information of financial services represents user characteristics in financial services.

[0085] Based on the financial product type information in the financial product type database, the financial product type information is filtered out from the business demand data, and the remaining business demand data after the screening is used as the user's financial business user information.

[0086] S502: Input the user's financial service information into the financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and obtain the user's matching financial service products by matching the recommended financial service products according to the financial product type information.

[0087] The financial product recommendation model is trained on the basis of the collaborative filtering recommendation model and is used to output recommended financial business products. Specifically, the user's financial business information is input into the financial product recommendation model to obtain the recommended financial business products output by the financial product recommendation model.

[0088] The determination of the recommended financial business products is based on the user's financial business information. In order to improve the matching degree of financial business products with user needs, the user's matching financial business products can be obtained from the recommended financial business products according to the financial product type information. That is, the matching financial business products need to comply with the financial product type information.

[0089] exist Figure 5 In the embodiment, matching financial business products are screened out based on two aspects: financial product type and user information.

[0090] S103, constructing a text description of the matching financial service product according to the product information of the matching financial service product of the user and the financial service user information of the user, generating an image of the matching financial service product using the text description of the financial service product, and pushing the image of the matching financial service product to the user.

[0091] In an embodiment of the present invention, the image of the financial service product needs to be generated according to the text description. The text description of the matching financial service product can be formed according to the product information of the matching financial service product of the user and the financial service user information of the user. Then, the text description of the financial service product is used to generate the image of the matching financial service product, and the image of the matching financial service product is pushed to the user.

[0092] See also Figure 6 That is 600, Figure 6 This is a flow chart of generating an image matching a financial service product using a text description of a financial service product according to an embodiment of the present invention. Specifically, the following steps are included:

[0093] S601: Input the product information of the user's matching financial service product and the user's financial service user information into a text generation model, and the text generation model outputs an original text description of the matching financial service product.

[0094] In an embodiment of the present invention, a text generation model is used to output a text description. As an example, a text generation model is obtained by training a Transformer model and historical data. The product information of a user's matching financial service product and the user's financial service user information are input into the text generation model, and the text generation model outputs an original text description of the matching financial service product.

[0095] In one embodiment of the present invention, in order to improve the matching of the original text description and the user's appearance features, the user's appearance features may be used to update the original text description of the matching financial service product.

[0096] Specifically, the original text description of the matching financial service product is updated according to the product feature text in the product information of the matching financial service product of the user and the user appearance feature in the financial service user information of the user. As an example, the words of the user appearance feature are added to the original text description of the matching financial service product, such as: 60 years old, female.

[0097] S602: according to the product feature text in the product information of the matching financial service product of the user, update the original text description of the matching financial service product to obtain the text description of the matching financial service product, generate an image of the matching financial service product by using the text description of the matching financial service product, and push the image of the matching financial service product to the user.

[0098] In order to improve the pertinence of the original text description to the product, the original text description of the matching financial service product can also be updated according to the product feature text in the product information of the matching financial service product of the user. As an example, the product feature text includes: stable and principal guaranteed. The two product feature texts of stable and principal guaranteed are added to the original text description of the matching financial service product to obtain the text description of the matching financial service product.

[0099] The text description of the matching financial business product is combined with the AI ​​engine to generate images of the matching financial business product, and the images of the matching financial business products are pushed to users.

[0100] exist Figure 6 In the embodiment of the invention, the product feature text is used to update the original text description of the matching financial service product, thereby improving the pertinence and matching degree of the image.

[0101] As an example, the user information of a user's financial business includes: elderly, annual income of 50,000. The product information of the matching financial business product includes: storage product, fixed term of two years, interest rate of 2%. The text description of the financial business product: the elderly happily buys a deposit product with a fixed term of two years and an interest rate of 2%. The image matching the financial business product is generated: the background is a deposit product, in front of which is a smiling elderly person, and the slogans such as "two-year fixed term", "2% interest rate", "stable income, a stable old age" are written next to it.

[0102] In the above-mentioned embodiment of the present invention, the user's financial product dialogue is constructed according to the user's historical business data, the financial product dialogue is sent according to the business order of the financial product dialogue, the user's feedback information on the financial product dialogue is received and analyzed, and the user's business demand data is obtained; the financial product type information and the user's financial business user information are screened out from the business demand data, the user's financial business information is input into the financial product recommendation model to obtain the recommended financial business product output by the financial product recommendation model, the recommended financial business product is matched with the financial product type information to obtain the user's matching financial business product; the text description of the matching financial business product is constructed according to the product information of the user's matching financial business product and the user's financial business user information, and the image of the matching financial business product is generated using the text description of the financial business product, and the image of the matching financial business product is pushed to the user. Compared with the message of the financial business product, the image of the financial business product displays the financial business product in an image manner, which can increase the amount of information pushed on the financial product.

[0103] See also Figure 7 , Figure 7 is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention. The device for processing business data can implement a method for processing business data, such as Figure 7 As shown in 700, the device for processing business data specifically includes:

[0104] The business module 701 is used to construct a financial product dialogue of the user according to the historical business data of the user, send the financial product dialogue according to the business sequence of the financial product dialogue, receive and analyze the feedback information of the user on the financial product dialogue, and obtain the business demand data of the user;

[0105] A recommendation module 702 is used to filter out financial product type information and financial service user information of the user from the service demand data, input the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and match the recommended financial service products using the financial product type information to obtain matching financial service products for the user;

[0106] The matching module 703 is used to assemble a text description of the matching financial business product according to the product information of the matching financial business product of the user and the financial business user information of the user, and generate an image of the matching financial business product using the text description of the financial business product, and push the image of the matching financial business product to the user.

[0107] In one embodiment of the present invention, the business module 701 is specifically used to construct the user's financial product dialogue according to the historical risk data, the historical return data and the current balance data in the user's historical business data, respectively, and determine the business order of the financial product dialogue according to the importance of the historical business data, and send the financial product dialogue according to the business order of the financial product dialogue;

[0108] Receive feedback information from the user regarding the financial product dialogue, analyze the feedback information from the user regarding the financial product dialogue according to the business sequence corresponding to the financial product, and obtain business demand data of the user.

[0109] In one embodiment of the present invention, the business module 701 is specifically used to construct the user's financial product risk dialogue according to the user risk data and the historical financial product type in the historical risk data, construct the user's financial product benefit dialogue according to the user benefit data and the historical financial product type in the historical benefit data, construct the user's financial product balance dialogue according to the current balance data and the financial product data, and establish the financial product dialogue with the financial product risk dialogue, the financial product benefit dialogue and the financial product balance dialogue;

[0110] The importance of the historical business data is determined according to preset financial business data parameters or user financial business data parameters, the business sequence of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue.

[0111] In one embodiment of the present invention, the business module 701 is specifically used to receive feedback information from the user regarding the financial product dialogue, and obtain each type of financial product dialogue according to the business sequence corresponding to the financial product;

[0112] In each type of financial product dialogue, the business data of the type is acquired from the financial database corresponding to the type, thereby determining the business demand information of the user.

[0113] In one embodiment of the present invention, the recommendation module 702 is specifically configured to filter out financial product type information from the business demand data based on the financial product type database, and use the remaining business demand data after the filtering as the user's financial business user information;

[0114] The user's financial service information is input into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching financial service products for the user are obtained among the recommended financial service products according to the financial product type information.

[0115] In one embodiment of the present invention, the matching module 703 is specifically configured to input the product information of the matching financial service product of the user and the financial service user information of the user into a text generation model, and the text generation model outputs an original text description of the matching financial service product;

[0116] According to the product feature text in the product information of the matching financial business product of the user, the original text description of the matching financial business product is updated to obtain the text description of the matching financial business product, and the text description of the matching financial business product is used to generate an image of the matching financial business product, and the image of the matching financial business product is pushed to the user.

[0117] In one embodiment of the present invention, the matching module 703 is specifically configured to update the original text description of the matching financial service product according to the product feature text in the product information of the matching financial service product of the user and the user appearance feature in the financial service user information of the user.

[0118] Figure 8 An exemplary system architecture 800 is shown to which the method for processing business data or the apparatus for processing business data according to the embodiments of the present invention can be applied.

[0119] like Figure 8 As shown, system architecture 800 may include terminal devices 801, 802, 803, a network 804, and a server 805. Network 804 is used to provide a medium for communication links between terminal devices 801, 802, 803 and server 805. Network 804 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0120] Users can use terminal devices 801, 802, and 803 to interact with server 805 through network 804 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 801, 802, and 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0121] The terminal devices 801 , 802 , and 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0122] The server 805 may be a server that provides various services, such as a backend management server (only an example) that provides support for shopping websites browsed by users using the terminal devices 801, 802, and 803. The backend management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information - only an example) to the terminal device.

[0123] It should be noted that the method for processing business data provided in the embodiment of the present invention is generally executed by the server 805 , and accordingly, the device for processing business data is generally set in the server 805 .

[0124] It should be understood that Figure 8 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0125] A computer program product according to an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the method for processing business data provided by the embodiment of the present invention is implemented.

[0126] Reference below Fig. 9 , which shows a schematic diagram of the structure of a computer system 900 of a terminal device suitable for implementing an embodiment of the present invention. Fig. 9 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0127] like Fig. 9 As shown, the computer system 900 includes a central processing unit (CPU) 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage part 908 into a random access memory (RAM) 903. In the RAM 903, various programs and data required for the operation of the system 900 are also stored. The CPU 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0128] The following components are connected to the I / O interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, a modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I / O interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 910 as needed, so that a computer program read therefrom is installed into the storage section 908 as needed.

[0129] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 909, and / or installed from the removable medium 911. When the computer program is executed by the central processing unit (CPU) 901, the above-mentioned functions defined in the system of the present invention are executed.

[0130] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0131] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0132] The modules involved in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be set in a processor. For example, they may be described as: a processor includes a business module, a recommendation module, and a matching module. The names of these modules do not, in some cases, constitute limitations on the modules themselves. For example, the business module may also be described as "used to construct a financial product dialogue for the user according to the user's historical business data, send the financial product dialogue according to the business sequence of the financial product dialogue, receive and analyze the user's feedback information on the financial product dialogue, and obtain the user's business demand data".

[0133] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0134] Constructing a financial product dialogue for the user according to the user's historical business data, sending the financial product dialogue according to the business sequence of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data;

[0135] Filtering financial product type information and financial service user information of the user from the service demand data, inputting the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching the recommended financial service products using the financial product type information to obtain matching financial service products for the user;

[0136] A text description of the matching financial service product is constructed based on the product information of the matching financial service product of the user and the financial service user information of the user, and an image of the matching financial service product is generated using the text description of the financial service product, and the image of the matching financial service product is pushed to the user.

[0137] According to the technical solution of the embodiment of the present invention, the user's financial product dialogue is constructed according to the user's historical business data, the financial product dialogue is sent according to the business order of the financial product dialogue, the user's feedback information on the financial product dialogue is received and analyzed, and the user's business demand data is obtained; the financial product type information and the user's financial business user information are screened out from the business demand data, the user's financial business information is input into the financial product recommendation model to obtain the recommended financial business products output by the financial product recommendation model, and the recommended financial business products are matched with the financial product type information to obtain the user's matching financial business products; the text description of the matching financial business product is constructed according to the product information of the user's matching financial business product and the user's financial business user information, and the image of the matching financial business product is generated using the text description of the financial business product, and the image of the matching financial business product is pushed to the user. Compared with the message of the financial business product, the image of the financial business product displays the financial business product in an image manner, which can increase the amount of information pushed about the financial product.

[0138] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

[0139] It should be noted that in the technical solution of the present invention, the collection, analysis, use, transmission, storage and other aspects of user personal information involved are in compliance with the provisions of relevant laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside of these legal uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken for user personal information to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with the provisions of relevant laws and regulations, and ensure the security of user personal information. Once these user personal information data are no longer needed, the risks should be minimized by limiting or even prohibiting data collection and / or deleting data.

[0140] When applicable, including in certain relevant applications, protect user privacy by de-identifying data, such as by removing specific identifiers (e.g., date of birth, etc.) when applicable, controlling the amount or specificity of data stored (e.g., collecting location data at a city level rather than at a specific address level), controlling how data is stored, and / or other de-identification methods.

Claims

1. A method for processing business data, characterized in that: include: Constructing a financial product dialogue for the user according to the user's historical business data, sending the financial product dialogue according to the business sequence of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data; Filtering financial product type information and financial service user information of the user from the service demand data, inputting the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching the recommended financial service products using the financial product type information to obtain matching financial service products for the user; A text description of the matching financial service product is constructed based on the product information of the matching financial service product of the user and the financial service user information of the user, and an image of the matching financial service product is generated using the text description of the financial service product, and the image of the matching financial service product is pushed to the user.

2. The method for processing business data according to claim 1, characterized in that: The step of constructing the user's financial product dialogue according to the user's historical business data, sending the financial product dialogue according to the business sequence of the financial product dialogue, receiving and analyzing the user's feedback information on the financial product dialogue, and obtaining the user's business demand data includes: According to the historical risk data, historical income data and current balance data in the historical business data of the user, the financial product dialogue of the user is respectively constructed, and the business sequence of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue; Receive feedback information from the user regarding the financial product dialogue, analyze the feedback information from the user regarding the financial product dialogue according to the business sequence corresponding to the financial product, and obtain business demand data of the user.

3. The method for processing business data according to claim 2, characterized in that: The step of constructing the user's financial product dialogue according to the historical risk data, the historical return data, and the current balance data in the user's historical business data, determining the business sequence of the financial product dialogue according to the importance of the historical business data, and sending the financial product dialogue according to the business sequence of the financial product dialogue includes: According to the user risk data and historical financial product types in the historical risk data, a financial product risk dialogue of the user is constructed; according to the user income data and historical financial product types in the historical income data, a financial product income dialogue of the user is constructed; according to the current balance data and financial product data, a financial product balance dialogue of the user is constructed; and the financial product dialogue is established with the financial product risk dialogue, the financial product income dialogue and the financial product balance dialogue; The importance of the historical business data is determined according to preset financial business data parameters or user financial business data parameters, the business sequence of the financial product dialogue is determined according to the importance of the historical business data, and the financial product dialogue is sent according to the business sequence of the financial product dialogue.

4. The method for processing business data according to claim 2, characterized in that: The receiving feedback information of the user regarding the dialogue on the financial product, analyzing the feedback information of the user regarding the dialogue on the financial product according to the service sequence corresponding to the financial product, and obtaining the service demand data of the user includes: receiving feedback information from the user regarding the financial product dialogue, and obtaining each type of financial product dialogue according to the business sequence corresponding to the financial product; In each type of financial product dialogue, the business data of the type is acquired from the financial database corresponding to the type, thereby determining the business demand information of the user.

5. The method for processing business data according to claim 1, characterized in that: The step of selecting financial product type information and financial service user information of a user from the service demand data, inputting the financial service information of the user into a financial product recommendation model to obtain a recommended financial service product output by the financial product recommendation model, and matching the recommended financial service product with the financial product type information to obtain a matching financial service product for the user includes: Filtering out financial product type information from the business demand data based on a financial product type database, and using the remaining business demand data after filtering as the user's financial business user information; The user's financial service information is input into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and matching financial service products for the user are obtained among the recommended financial service products according to the financial product type information.

6. The method for processing business data according to claim 1, characterized in that: The step of forming a text description of the matching financial service product according to the product information of the matching financial service product of the user and the financial service user information of the user, generating an image of the matching financial service product by using the text description of the financial service product, and pushing the image of the matching financial service product to the user includes: Inputting the product information of the matching financial service product of the user and the financial service user information of the user into a text generation model, and the text generation model outputs an original text description of the matching financial service product; According to the product feature text in the product information of the matching financial business product of the user, the original text description of the matching financial business product is updated to obtain the text description of the matching financial business product, and the text description of the matching financial business product is used to generate an image of the matching financial business product, and the image of the matching financial business product is pushed to the user.

7. The method for processing business data according to claim 6, characterized in that: The updating of the original text description of the matching financial service product according to the product feature text in the product information of the matching financial service product of the user includes: The original text description of the matching financial service product is updated according to the product feature text in the product information of the matching financial service product of the user and the user appearance feature in the financial service user information of the user.

8. A device for processing business data, characterized in that: include: A business module, used to construct a financial product dialogue for the user according to the user's historical business data, send the financial product dialogue according to the business sequence of the financial product dialogue, receive and analyze the user's feedback information on the financial product dialogue, and obtain the user's business demand data; a recommendation module, configured to filter out financial product type information and financial service user information of the user from the service demand data, input the financial service information of the user into a financial product recommendation model to obtain recommended financial service products output by the financial product recommendation model, and match the recommended financial service products using the financial product type information to obtain matching financial service products for the user; A matching module is used to assemble a text description of the matching financial business product based on the product information of the matching financial business product of the user and the financial business user information of the user, and to generate an image of the matching financial business product using the text description of the financial business product, and to push the image of the matching financial business product to the user.

9. An electronic device for processing business data, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

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

11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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