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

Abstract

The invention provides a business processing method which can be applied to the field of big data or digital employees. The method comprises the following steps: in response to a request of a client for handling a target service, matching a target process chain corresponding to the target service from a plurality of pre-constructed initial process chains; based on the process nodes of the target process chain, sequentially obtaining service data provided by the client; calling an identity model of the customer in a pre-configured database, and processing the service data according to the identity model to obtain a first processing result of the target service; in response to the fact that at least one process node in the first processing result is not completed, synchronizing the target process chain to a client of the client, so that the client delays submitting business data corresponding to the uncompleted process node at the client; and obtaining a second processing result corresponding to the target service based on the service data submitted by the client in a delayed manner. The invention further provides a business processing device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of big data or digital employees, and more specifically to a business processing method, device, equipment, storage medium and program product. Background Art

[0002] At present, in the process of handling business for customers, various service agencies often have data islands because the data of various agency systems are not interoperable, which has led to a series of chain reactions. Specifically, due to the lack of data sharing mechanism between systems, when customers come to handle business, service agencies often cannot directly obtain relevant information that customers have submitted in other agencies, resulting in frequent missing materials in the business handling process, which in turn interrupts the business handling process. Customers need to go to different departments or agencies to complete these missing procedures, which not only wastes customers' time, but also reduces customers' satisfaction and trust in service agencies. At the same time, for service agencies, data non-interoperability also brings many negative effects. On the one hand, due to the need to deal with a large number of business processes interrupted by missing materials, service agencies have to invest more human resources, resulting in increased operating costs, and work efficiency and service quality are also reduced simultaneously. On the other hand, frequent business interruptions and duplication of work will also reduce the enthusiasm of service personnel. Summary of the invention

[0003] In view of the above problems, the embodiments of the present disclosure provide a business processing method, apparatus, device, medium and program product that improve processing efficiency and service quality and reduce business complexity.

[0004] According to a first aspect of the present disclosure, a business processing method is provided, the method comprising: in response to a request from a customer to handle a target business, matching a target process chain corresponding to the target business from a plurality of pre-constructed initial process chains; sequentially acquiring business data provided by the customer based on process nodes of the target process chain; calling the customer's identity model in a pre-configured database, processing the business data according to the identity model, and obtaining a first processing result of the target business; in response to the first processing result containing at least one incomplete process node, synchronizing the target process chain to the customer's client, so that the customer delays submission of the business data corresponding to the incomplete process nodes on the client; and obtaining a second processing result corresponding to the target business based on the business data delayed by the customer.

[0005] According to an embodiment of the present disclosure, the method also includes: in response to a request to customize the process node, adding or deleting the process node in the target process chain; and based on the process nodes of the target process chain, sequentially obtaining the business data provided by the customer includes: based on the customized process nodes of the target process chain, obtaining the business data provided by the customer, and associating and saving the business data with the customized process node.

[0006] According to an embodiment of the present disclosure, constructing the identity model includes: obtaining external data of multiple target organizations with the consent or authorization of the target organizations, and uploading the external data to the database; extracting identity information from the external data, and integrating the external data based on the identity information; and unifying and storing the format of the integrated external data to form the identity model.

[0007] According to an embodiment of the present disclosure, the method also includes: creating a data filling form based on the process node, and sending the data filling form to the target organization through a service interface; based on the customer's need to obtain the business data, enabling the target organization to query the corresponding data filling form and fill it out; and uploading the completed data filling form to the target process chain.

[0008] According to an embodiment of the present disclosure, calling the customer's identity model in a preconfigured database, processing the business data according to the identity model, and obtaining a first processing result of the target business includes: based on the customer's identity model, querying the identity model associated with the customer; and based on the customer's identity model and / or associated identity models, processing the business data to obtain the first processing result of the target business.

[0009] According to an embodiment of the present disclosure, obtaining the second processing result corresponding to the target business based on the business data submitted late by the customer includes: receiving the business data submitted late by the customer and updating the process node; based on the updated process node, reviewing the business data submitted late by the customer; and in response to passing the review of the business data, updating the first processing result to obtain the second processing result.

[0010] According to an embodiment of the present disclosure, the method also includes: adding a status identifier to the process node, wherein the status identifier is used to indicate the audit result corresponding to the process node; and in response to the first processing result containing at least one incomplete process node, synchronizing the target process chain to the client of the customer so that the customer delays submission of business data corresponding to the incomplete process node on the client, including: based on the status identifier, querying the incomplete process node on the client, and delaying submission of the business data corresponding to the incomplete process node.

[0011] A second aspect of the present disclosure provides a business processing device, which includes: a matching module, which is used to match a target process chain corresponding to the target business from a plurality of pre-built initial process chains in response to a request from a customer to handle a target business; an acquisition module, which is used to sequentially acquire business data provided by the customer based on the process nodes of the target process chain; a first processing module, which is used to call the identity model of the customer in a pre-configured database, process the business data according to the identity model, and obtain a first processing result of the target business; a synchronization module, which is used to synchronize the target process chain to the client of the customer in response to at least one incomplete process node in the first processing result, so that the customer delays submitting the business data corresponding to the incomplete process nodes on the client; and a second processing module, which is used to obtain a second processing result corresponding to the target business based on the business data delayed by the customer.

[0012] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a storage device for storing one or more programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above-mentioned business processing method.

[0013] The fourth aspect of the present disclosure further provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above-mentioned business processing method are implemented.

[0014] The fifth aspect of the present disclosure further provides a computer program product, including a computer program, which implements the steps of the above-mentioned business processing method when executed by a processor.

[0015] In the embodiments of the present disclosure, by constructing the initial process chain and matching the target process chain, and allowing customers to postpone submission when they lack materials (i.e., business data) corresponding to certain process nodes in the target process chain, and at the same time, staff postpones review, the flexibility of customers in handling business is improved, the customer's business handling experience is optimized, and handling time is saved. In addition, the customer's identity model is obtained through data sharing and data integration, and the identity model is used for business processing, which effectively solves the data island problem caused by data non-circulation and improves the efficiency and accuracy of business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0017] Figure 1 The application scenario diagram schematically shows the business processing method, apparatus, device, medium and program product according to the embodiments of the present disclosure;

[0018] Figure 2 A flowchart of constructing an identity model according to an embodiment of the present disclosure is schematically shown;

[0019] Figure 3 A flowchart of a business processing method according to an embodiment of the present disclosure is schematically shown;

[0020] Figure 4 A schematic diagram of a structure of a service processing device according to an embodiment of the present disclosure is shown; and

[0021] Figure 5 A block diagram of an electronic device according to a service processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0022] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0023] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0024] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0025] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0026] In the technical solution of the present invention, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0027] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating a person's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0028] Figure 1 The application scenario diagram of the business processing method, apparatus, device, medium and program product according to the embodiments of the present disclosure is schematically shown.

[0029] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used to provide a medium for a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0030] The user can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0031] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0032] The server 105 may be a server that provides various services, such as a background management server (only as an example) that provides support for websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0033] It should be noted that the service processing method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the service processing device provided in the embodiment of the present disclosure can generally be set in the server 105. The service processing method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Accordingly, the service processing device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0034] It should be understood that Figure 1 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.

[0035] Figure 2 The flowchart of constructing an identity model according to an embodiment of the present disclosure is schematically shown.

[0036] In the embodiments of the present disclosure, Figure 2As shown, constructing an identity model includes: obtaining external data of multiple target institutions with the consent or authorization of the target institutions, and uploading the external data to the database; extracting identity information from the external data, and integrating the external data based on the identity information; and unifying and storing the format of the integrated external data to form the identity model.

[0037] In view of the data island problem caused by the non-intercommunication of data of various target institutions, such as various service institutions, especially banks, government agencies and other public service departments, the disclosed embodiment provides a business processing method. Before using the business processing method, an identity model can be constructed first. Specifically, the agency systems of each target agency (administrative agency) are connected respectively, and each agency system uploads the data that the agency system allows external inquiries, that is, external data, to a pre-configured database, wherein the uploaded data can be based on each citizen, including at least the citizen's identity information, and other information is associated with the identity information. Then, with the above-mentioned citizen's identity information as the center, read the data uploaded by each different target agency, and then based on the citizen's identity information, merge all data with the same citizen's identity information into one piece of data, and unify the format at the same time, and finally save the citizen (ie, customer) information in the form of multiple individuals in the form of an identity model.

[0038] For example, the information stored in the government service center is generally the basic information of citizens, and the information uploaded by the government service center generally includes name, ID number, native place, kinship and work location, etc. The information stored in other target agencies is not exactly the same as that of the government service center, but they are all specific information within the scope of their respective businesses, but at least contain the identity information of citizens (name, ID number). Therefore, the external data of each target agency can be merged according to the identity information of citizens, and the information that appears multiple times in the merged data can be eliminated, and only one of them can be retained. Finally, each piece of information is represented in the form of key-value pairs, and the format of each piece of information is unified to form multiple identity models.

[0039] It is understandable that by systematically integrating and deeply mining the external data of each target institution and building a comprehensive and accurate identity model, the long-standing data silo phenomenon has been effectively broken, information exchange between different institutions has been achieved, and the process of obtaining proof materials has been greatly simplified, so that the required information can be obtained quickly and accurately.

[0040] Figure 3 The flowchart of the service processing method according to the embodiment of the present disclosure is schematically shown.

[0041] like Figure 3 As shown, the business processing method of this embodiment includes operations S310 to S350.

[0042] In operation S310 , in response to a request from a customer to handle a target business, a target process chain corresponding to the target business is matched from a plurality of pre-built initial process chains.

[0043] In operation S320, the business data provided by the customer is acquired in sequence based on the process nodes of the target process chain.

[0044] In an embodiment of the present disclosure, before obtaining the business data provided by the customer, the customer's consent or authorization is obtained. For example, before operation S320, a request to obtain the business data provided by the customer is issued to the customer. When the customer agrees or authorizes that the business data provided by the customer can be obtained, the operation S320 is performed.

[0045] In operation S330, the identity model of the customer is called in a pre-configured database, and the business data is processed according to the identity model to obtain a first processing result of the target business.

[0046] In operation S340, in response to the first processing result including at least one incomplete process node, the target process chain is synchronized to the client of the customer, so that the customer delays submitting business data corresponding to the incomplete process node on the client.

[0047] In the embodiment of the present disclosure, a corresponding operation entry is provided for the user to choose to agree or reject the automated decision result. That is, before synchronizing the target process chain to the client of the customer for processing, the user is input through the corresponding operation entry to agree or reject the processing / decision. If the user agrees to carry out the processing / decision, the target process chain is synchronized to the client of the customer for processing / decision, that is, step S340 is executed. If the user refuses to carry out the processing / decision, the expert decision process is entered.

[0048] In operation S350, a second processing result corresponding to the target business is obtained based on the business data delayed submitted by the customer.

[0049] Multiple initial process chains (such as deposit process chain, withdrawal process chain, etc.) are built in advance according to actual business needs. Each initial process chain includes multiple process nodes. During the business handling process, the corresponding target process chain can be matched according to the target business handled by the customer, and then the business data provided by the customer can be reviewed in sequence according to the process node sequence in the target process chain. During the review, the pre-built identity model is called to reduce the certification materials provided by the customer, so as to process the business data according to the identity model and obtain the first processing result. When the customer cannot provide the business data corresponding to certain process nodes in the target process chain in real time, the target process chain can be synchronized to the client, and the customer can view it in real time on the client and go to the corresponding target institution to handle the corresponding materials, and then the missing business data can be uploaded in a delayed manner on the client. After receiving the business data, the staff will review it online, improve the first processing result, obtain the second processing result, and finally successfully complete the handling of the target business.

[0050] It should be noted that at certain nodes, the system can automatically review materials. For example, in the identity verification node, the identity information obtained by scanning the customer's ID card and the customer information stored in the bank by the bank provided by the customer are automatically checked. Successful verification means that the current process node has passed. In addition, when the system audit result indicates failure or abnormality, the staff needs to review based on the audit result provided by the system.

[0051] It is understandable that through the application of the identity model, the required materials can be automatically transferred between different target institutions, avoiding the problem of missing materials and repeated submission caused by data islands, reducing the complexity of business handling, simplifying the business handling process, saving customers' time and energy, and banks can also save human resources and improve service quality. At the same time, synchronizing the target process chain to the client can allow customers to delay submitting business data, thereby improving the flexibility of customers in handling business, optimizing customers' business handling experience, and further enhancing customer satisfaction and loyalty.

[0052] In an embodiment of the present disclosure, the method also includes: in response to a request to customize the process node, adding or deleting the process node in the target process chain; and based on the process nodes of the target process chain, sequentially obtaining the business data provided by the customer includes: based on the customized process nodes of the target process chain, obtaining the business data provided by the customer, and associating and saving the business data with the customized process nodes.

[0053] During the business process, customers may be required to provide some additional non-essential materials in the target process chain. At this time, the staff can add or delete process nodes in the target process chain according to the actual business process. When adding process nodes, the addition method can be custom input or selection from pre-set options. Then the staff can review the non-essential materials corresponding to the custom process nodes submitted by the customer, and can mark the node status of the process node according to the review results, and then upload the business data submitted by the customer and save it in association with the process node (paper materials can be scanned and uploaded in electronic version).

[0054] It should be noted that necessary process nodes cannot be deleted. Necessary process nodes refer to the main necessary steps in the business chain, such as customer identity authentication. When building the initial process chain, multiple necessary process nodes will be included and marked in a prominent manner.

[0055] It is understandable that flexibly adjusting the process chain according to different business needs, that is, customizing the addition or deletion of process nodes, improves the flexibility and efficiency of business processing.

[0056] In an embodiment of the present disclosure, the method also includes: adding a status identifier to the process node, wherein the status identifier is used to indicate the audit result corresponding to the process node; and in response to the first processing result containing at least one incomplete process node, synchronizing the target process chain to the client's client so that the customer delays submission of business data corresponding to the incomplete process node on the client, including: based on the status identifier, querying the incomplete process node on the client, and delaying submission of the business data corresponding to the incomplete process node.

[0057] The status identification of the process node can include the following types: the process node that has been reviewed is marked as passed, the process node that has not been reviewed is marked as pending review, the process node under review is marked as under review, and the process node that failed the review is marked as failed review.

[0058] In some exemplary embodiments, if the customer is unable to provide the business data required by the process node immediately, the staff can first mark the status of the process node as "materials to be submitted", and then review other process nodes in the target process chain. After all the audit nodes that can be reviewed in the process chain are reviewed, the customer's client, such as mobile banking, will simultaneously add a process chain. The node status of each process node in the process chain is synchronized with the node status in the business system used by the staff, but the node status of each node can only be changed and marked by the staff through the business system. The customer can then go to other target institutions to handle the required materials, and view the nodes with the status of "materials to be submitted" through the client, and then upload the materials (business data) to the staff for review. In the business system, the node with the status of "materials to be submitted" will be updated to the status of "pending review" based on the materials uploaded by the customer, prompting the staff to review and complete the business.

[0059] The existing business processing procedures are fixed and must be reviewed in sequence according to the nodes. If a certain node fails to be reviewed, the customer needs to go to other target institutions to apply for new certification materials, and re-book the business and repeat the review, which wastes the customer's time and the staff's business processing time. The disclosed embodiment records the review status of each process node through the target process chain, and allows the customer to submit the materials later when the materials corresponding to the process nodes in the target process chain are missing. At the same time, the customer can upload the materials online dynamically after the materials are processed, and the staff can review them online dynamically. Customers do not need to run back and forth between various institutions to process and submit materials as in the traditional processing procedures. The process chain of the business and the node status of each process node are saved in the business system. Customers no longer need to re-take numbers / make appointments for business, and staff do not need to restart the business.

[0060] It is understandable that by adding status identifiers to process nodes, staff and customers can track the progress of business processing in real time, reducing customer waiting time and uncertainty.

[0061] Based on the above embodiments, in this embodiment, calling the customer's identity model in a preconfigured database, processing the business data according to the identity model, and obtaining the first processing result of the target business includes: querying the identity model associated with the customer based on the customer's identity model; and processing the business data based on the customer's identity model and / or associated identity models to obtain the first processing result of the target business.

[0062] In some exemplary embodiments, some certification materials, namely business data, need to be submitted when handling business. For example, a customer Zhang San comes to handle banking business on behalf of his father Zhang Si, but the bank needs the customer to show the identity certificate proving that Zhang San's father is Zhang Si. The existing business handling system often requires customers to go to other agencies to handle identity certificates, and then the bank can continue to handle business only after receiving the identity certificate issued by the administrative agency. However, after the aforementioned data sharing and integration in this business handling system, this information can be directly queried through the identity model, because the obtained identity model has saved the household registration information submitted by other administrative systems, which can prove that Zhang Si is Zhang San's father. Based on this data, the bank no longer needs customers to submit identity certificates. Similarly, proof of marital relationship, tax certificate, proof of no criminal record, etc. can be obtained in this way. Further, the identity model of Zhang San can be queried to obtain the identity model of his father Zhang Si, and then the death certificate in Zhang Si's identity model can be obtained (if Zhang Si's family has handled it, it can be obtained directly, if not, it still needs to be handled first). There is a data association between the various data, so that more information can be obtained in the form of this data chain.

[0063] It is understandable that business data processing based on identity models can be automated, without the need to manually input or check large amounts of information, thereby significantly shortening business processing time and improving processing efficiency. At the same time, based on the customer's identity model, the associated identity model is automatically queried and matched, so that the customer's relevant information can be easily obtained, business processing can be completed quickly, business processes can be simplified, and the need for customers to provide paper certification materials can be reduced.

[0064] On the basis of the above embodiments, in this embodiment, the second processing result corresponding to the target business is obtained based on the business data submitted late by the customer, including: receiving the business data submitted late by the customer and updating the process node; based on the updated process node, reviewing the business data submitted late by the customer; and in response to passing the review of the business data, updating the first processing result to obtain the second processing result.

[0065] When customers delay submitting business data due to various reasons (such as incomplete data preparation), the agency system can receive these delayed data and automatically update the process nodes of the current business processing, such as updating the status identifier of the process node to the "pending review" status. Then, the system will send a notification to the relevant business departments or personnel to remind them that there is new delayed data to be processed, and attach the updated process node information. The relevant departments or personnel will conduct a detailed review of the delayed business data based on the updated process nodes, such as verifying the authenticity, completeness and compliance of the data. During the review process, the delayed data can be automatically and manually reviewed according to the preset review standards and rules. After the review is completed, the first processing result that has not been fully processed can be updated to obtain the second processing result, and an audit report can be generated. Finally, based on the second processing result, the system can trigger subsequent business processes, such as loan issuance, contract signing, etc.

[0066] It can be understood that by updating the processing results, not only can the continuity and accuracy of the business processing flow be achieved, avoiding process interruptions or errors caused by delayed data submission, but also the flexibility and adaptability of the system can be enhanced.

[0067] In an embodiment of the present disclosure, the method also includes: creating a data filling form based on the process node, and sending the data filling form to the target organization through a service interface; based on the customer's need to obtain the business data, enabling the target organization to query the corresponding data filling form and fill it out; and uploading the completed data filling form to the target process chain.

[0068] In some exemplary embodiments, the citizen identity model constructed based on data sharing and data integration can provide most of the certification materials, but for a small number of special materials, customers still need to go to the administrative agency separately to handle them. In order to simplify the handling and uploading of this small number of special materials, a data filling form is created based on the process node created by the staff, and can be provided to the corresponding target agency through a service interface (such as an API interface). After the customer arrives at the target agency, he / she informs the administrative staff of the business that needs to be handled. The administrative staff will query the corresponding data filling form, fill it out and upload it, and then the staff will review it.

[0069] It is understandable that most existing certification materials are paper-based and easily damaged and tampered with during the transfer process. The business data in the disclosed embodiment is directly obtained from the data filling form uploaded to the agency system of each administrative agency, which increases the data's non-tamperability and ensures data security. In addition, by providing a simplified processing process for special materials, customers can quickly complete the submission and review of materials at the administrative agency through the service interface.

[0070] Figure 4 The structural block diagram of the service processing device according to the embodiment of the present disclosure is schematically shown.

[0071] like Figure 4 As shown, the service processing device 400 according to this embodiment includes a matching module 410 , an acquisition module 420 , a first processing module 430 , a synchronization module 440 and a second processing module 450 .

[0072] The matching module 410 is used to match a target process chain corresponding to the target business from a plurality of pre-built initial process chains in response to a request from a customer to handle a target business. In one embodiment, the matching module 410 can be used to perform the operation S310 described above, which will not be described in detail here.

[0073] The acquisition module 420 is used to sequentially acquire the business data provided by the customer based on the process nodes of the target process chain. In one embodiment, the acquisition module 420 can be used to perform the operation S320 described above, which will not be described in detail here.

[0074] The first processing module 430 is used to call the identity model of the customer in a preconfigured database, process the business data according to the identity model, and obtain a first processing result of the target business. In one embodiment, the first processing module 430 can be used to perform the operation S330 described above, which will not be repeated here.

[0075] The synchronization module 440 is used to synchronize the target process chain to the client of the client in response to at least one process node being incomplete in the first processing result, so that the client can delay submitting the business data corresponding to the incomplete process node on the client. In one embodiment, the synchronization module 440 can be used to perform the operation S340 described above, which will not be repeated here.

[0076] The second processing module 450 is used to obtain a second processing result corresponding to the target business based on the business data submitted by the customer in a delayed manner. In one embodiment, the second processing module 450 can be used to perform the operation S350 described above, which will not be described in detail here.

[0077] In an embodiment of the present disclosure, the matching module 410 may also be used to: in response to a request to customize the process node, add or delete the process node in the target process chain. The acquisition module 420 is specifically used to: based on the customized process node of the target process chain, acquire the business data provided by the customer, and associate and save the business data with the customized process node.

[0078] In an embodiment of the present disclosure, the first processing module 430 can also be used to: obtain external data of multiple target organizations with the consent or authorization of the target organizations, and upload the external data to the database; extract identity information from the external data, and integrate the external data based on the identity information; and unify and store the format of the integrated external data to form the identity model.

[0079] In an embodiment of the present disclosure, the acquisition module 420 can also be used to: create a data filling form based on the process node, and send the data filling form to the target organization through the service interface; based on the customer's need to obtain the business data, enable the target organization to query the corresponding data filling form and fill it out; and upload the completed data filling form to the target process chain.

[0080] In an embodiment of the present disclosure, the first processing module 430 is specifically used to: query the identity model associated with the customer based on the identity model of the customer; and process the business data based on the identity model of the customer and / or the associated identity model to obtain a first processing result of the target business.

[0081] In an embodiment of the present disclosure, the second processing module 450 is specifically used to: receive the business data submitted by the customer with a delay, and update the process node; based on the updated process node, review the business data submitted by the customer with a delay; and in response to passing the review of the business data, update the first processing result to obtain the second processing result.

[0082] In an embodiment of the present disclosure, the first processing module 430 may also be used to add a status identifier to the process node, wherein the status identifier is used to verify the audit result corresponding to the process node. The synchronization module 440 is specifically used to query the unfinished process nodes on the client based on the status identifier, and delay the submission of the business data corresponding to the unfinished process nodes.

[0083] According to an embodiment of the present disclosure, any multiple modules among the matching module 410, the acquisition module 420, the first processing module 430, the synchronization module 440 and the second processing module 450 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the matching module 410, the acquisition module 420, the first processing module 430, the synchronization module 440 and the second processing module 450 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in a suitable combination of any of them. Alternatively, at least one of the matching module 410 , the acquisition module 420 , the first processing module 430 , the synchronization module 440 and the second processing module 450 may be at least partially implemented as a computer program module, and when the computer program module is executed, the corresponding function may be executed.

[0084] Figure 5 A block diagram of an electronic device according to a service processing method according to an embodiment of the present disclosure is schematically shown.

[0085] like Figure 5 As shown, the electronic device 500 according to an embodiment of the present invention includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 to a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include an onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present invention.

[0086] In RAM 503, various programs and data required for the operation of electronic device 500 are stored. Processor 501, ROM 502 and RAM 503 are connected to each other via bus 504. Processor 501 performs various operations of the method flow according to the embodiment of the present invention by executing the program in ROM 502 and / or RAM 503. It should be noted that the program can also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 can also perform various operations of the method flow according to the embodiment of the present invention by executing the program stored in the one or more memories.

[0087] According to an embodiment of the present invention, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the input / output (I / O) interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that the computer program read therefrom is installed into the storage portion 508 as needed.

[0088] The present invention also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiment; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present invention is implemented.

[0089] According to an embodiment of the present invention, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present invention, the computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present invention, the computer-readable storage medium may include the ROM 502 and / or RAM 503 described above and / or one or more memories other than ROM 502 and RAM 503.

[0090] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the business processing method provided by the embodiment of the present disclosure.

[0091] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 501. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0092] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 509, and / or installed from the removable medium 511. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0093] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the processor 501, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0094] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0095] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, functions and operations of the system, method and computer program product according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of the 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.

[0096] It will be appreciated by those skilled in the art that the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations or combinations are not explicitly described in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0097] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A business processing method, characterized in that: The method comprises: In response to a request from a customer to handle a target business, a target process chain corresponding to the target business is matched from a plurality of pre-built initial process chains; Based on the process nodes of the target process chain, sequentially acquiring the business data provided by the customer; Invoking the identity model of the customer in a pre-configured database, processing the business data according to the identity model, and obtaining a first processing result of the target business; In response to the first processing result including at least one incomplete process node, synchronizing the target process chain to the client of the customer, so that the customer delays submitting business data corresponding to the incomplete process node on the client; and Based on the business data delayed by the customer, a second processing result corresponding to the target business is obtained.

2. The method according to claim 1, characterized in that The method further comprises: In response to a request to customize the process node, adding or deleting the process node in the target process chain; and The process nodes based on the target process chain sequentially acquiring the business data provided by the customer include: Based on the customized process node of the target process chain, the business data provided by the customer is acquired, and the business data is associated with and saved with the customized process node.

3. The method according to claim 1, characterized in that Building the identity model includes: With the consent or authorization of the target institutions, obtaining external data of multiple target institutions and uploading the external data to the database; extracting identity information from the external data, and integrating the external data according to the identity information; and The format of the integrated external data is unified and stored to form the identity model.

4. The method according to claim 3, characterized in that The method further comprises: Based on the process node, create a data filling form, and send the data filling form to the target organization through a service interface; Based on the customer's need to obtain the business data, the target organization searches for the corresponding data filling form and fills it out; and The completed data filling form is uploaded to the target process chain.

5. The method according to claim 1 or 2, characterized in that: The calling of the identity model of the customer in a pre-configured database, processing the business data according to the identity model, and obtaining a first processing result of the target business includes: Based on the identity model of the customer, querying the identity model associated with the customer; and The business data is processed based on the identity model of the customer and / or the associated identity model to obtain a first processing result of the target business.

6. The method according to claim 1, characterized in that The obtaining of the second processing result corresponding to the target business based on the business data submitted late by the customer includes: Receiving the delayed business data submitted by the customer and updating the process node; Based on the updated process node, review the delayed business data submitted by the customer; and In response to passing the review of the business data, the first processing result is updated to obtain the second processing result.

7. The method according to claim 1 or 2, characterized in that: The method further comprises: Adding a status identifier to the process node, wherein the status identifier is used to indicate the audit result corresponding to the process node; and In response to the first processing result including at least one incomplete process node, synchronizing the target process chain to the client of the customer so that the customer delays submitting the business data corresponding to the incomplete process node on the client, comprises: Based on the status identifier, the unfinished process nodes are queried at the client, and the business data corresponding to the unfinished process nodes are submitted with delay.

8. A service processing device, characterized in that: The device comprises: A matching module, for responding to a request from a customer to handle a target business, and matching a target process chain corresponding to the target business from a plurality of pre-built initial process chains; An acquisition module, used to sequentially acquire the business data provided by the customer based on the process nodes of the target process chain; A first processing module, configured to call the identity model of the customer in a pre-configured database, process the business data according to the identity model, and obtain a first processing result of the target business; a synchronization module, configured to synchronize the target process chain to the client of the client in response to the first processing result including at least one incomplete process node, so that the client delays submitting the business data corresponding to the incomplete process node on the client; and The second processing module is used to obtain a second processing result corresponding to the target business based on the business data delayed submitted by the customer.

9. An electronic device, comprising: one or more processors; a storage device for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

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

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

Images