Financial service processing method and device, program product and electronic equipment

Abstract

The invention discloses a financial service processing method and device, a program product and electronic equipment, and relates to the field of financial science and technology or other related fields, and the processing method comprises the following steps: when it is detected that a client handles a financial service at a client, sending the financial service to the client; monitoring a business handling state of the financial business handled on a handling page displayed by the client, caching page data on the handling page under the condition that the business handling state is determined to be a stagnation state, and determining a stagnation reason of the financial business in the stagnation state; and when it is monitored that the business handling state is changed from the stagnation state to the recovery state, processing the page data based on the stagnation reason so as to complete the processing of the financial business. According to the invention, the technical problem that the efficiency of handling financial services at the client is low in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular, to a method for processing financial business and its device, program product, and electronic equipment. Background Art

[0002] With the rapid development of mobile Internet and financial technology, financial institution clients (such as mobile banking applications) have become an indispensable part of the financial services sector, enriching the channels for customers to handle financial services. Customers can transfer money, pay bills, open accounts and other complex operations anytime and anywhere through their mobile phones or computers, without having to go to offline outlets for on-site processing. This not only improves customer experience, but also optimizes the operational efficiency of financial institutions, making financial services more convenient and efficient.

[0003] However, even though digital financial services have brought many conveniences, they still have the following problems in terms of customer experience and operational efficiency:

[0004] (1) Redundant information and cumbersome processes: In many financial and business processes, customers need to enter a large amount of personal information and business-related data on the client, including but not limited to: ID number, bank card information, residential address, and contact number, etc., and sometimes they need to upload additional supporting documents. This cumbersome process is not only time-consuming, but may also cause customer fatigue due to frequent input, reducing the convenience of operation.

[0005] (2) Problems of operation interruption and restart: When handling financial services online, customers expect a fast and uninterrupted service experience. However, in reality, business processing may be forced to be interrupted due to network fluctuations, system failures, or customer reasons (such as temporary offline). Once interrupted, customers usually need to log in again and start the entire operation process from the beginning. This repetitive work not only wastes the time that customers have already invested, but may also cause frustration due to multiple failed attempts, which in turn leads to negative emotions towards financial services.

[0006] (3) Disconnection between online and offline business: Currently, there is a lack of effective docking mechanism between online and offline financial business processing systems. If online processing encounters obstacles, customers need to re-describe their business needs and re-submit their personal information when they turn to offline outlets. This process is not only inefficient, but may also cause customers to forget business details and affect subsequent operations. In addition, delays in business processing may also cause customers to forget their original processing needs, affecting the user experience and indirectly affecting the promotion and business processing rate of financial institutions' clients.

[0007] To the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0008] The embodiments of the present invention provide a method for processing financial services and a device, a program product, and an electronic device thereof, so as to at least solve the technical problem of low efficiency in handling financial services at a client in the related art.

[0009] According to one aspect of an embodiment of the present invention, a method for processing financial services is provided, including: when it is detected that a customer is processing financial services on a client, monitoring the business processing status of the financial services on a processing page displayed on the client; when it is determined that the business processing status is a stagnant state, caching page data on the processing page; determining the stagnation reason of the financial business being in a stagnant state; when it is monitored that the business processing status changes from a stagnant state to a recovery state, processing the page data based on the stagnation reason to complete the processing of the financial business.

[0010] Furthermore, the step of monitoring the business processing status of the financial business on the processing page displayed on the client includes: when the client detects that the processing page is triggered, sending an interactive signal to the server; when the server does not receive the interactive signal within a first preset time period, determining that the business processing status is a stagnant state.

[0011] Furthermore, when it is determined that the business processing status is stagnant, the step of caching the page data on the processing page includes: controlling the server to send a cache control signal to the client; controlling the client to respond to the cache control signal, and extracting the page information entered on the processing page to obtain the page data, and controlling the client to cache the page data.

[0012] Furthermore, the step of determining the stagnation reason of the financial business in a stagnation state includes: detecting whether the client is in an online state and a normal operating state; when the client is not in an online state or the client is not in a normal operating state, determining that the stagnation reason is a client reason; when the client is in an online state and the client is in a normal operating state, detecting whether the processing page is switched to the client's background or the processing page is not triggered within a second preset time period; when the processing page is switched to the client's background or the processing page is not triggered within the second preset time period, determining that the stagnation reason is a customer operation reason.

[0013] Furthermore, when it is monitored that the business processing status changes from a stagnant state to a recovery state, the step of processing page data based on the stagnation cause includes: when the stagnation cause is a client reason, determining the current business processing progress of the financial business and the proportion of cached page data, wherein the proportion is the ratio between the data volume of the cached page data and the data volume of information required to input for processing the financial business; when the current business processing progress is less than or equal to a first preset threshold and the proportion is less than or equal to a second preset threshold, displaying a prompt message on the client interface, and deleting the cached page data if the prompt message is not triggered within a third preset time period; when the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, displaying a prompt message on the client interface, and sending the cached page data to the server if the prompt message is not triggered within the third preset time period, and displaying offline processing prompt information on the client interface.

[0014] Furthermore, in the process of displaying offline processing reminder information on the client's interface, it also includes: when the offline processing reminder information is triggered within a fourth preset time period, obtaining the customer's location information; when the positioning information indicates that the customer is at a fixed location, based on the fixed location coordinates of the fixed location, determining a first offline outlet set, and displaying the first offline outlet set on the client's interface; when the positioning information indicates that the customer is at a mobile location, based on the mobile location coordinates of the mobile location, determining a second offline outlet set corresponding to each mobile location coordinate, and displaying the second offline outlet set corresponding to the customer's mobile location on the client's interface.

[0015] Furthermore, after displaying the second offline branch set corresponding to the mobile location of the customer on the interface of the client, it also includes: when the identification of any offline branch is triggered, controlling the server to send the cached page data to the offline business system corresponding to the offline branch, wherein the offline branch is any offline branch in the first offline branch set or the second offline branch set; the offline business system is used to call the page data when the customer handles financial business at the offline branch, and process the financial business based on the page data.

[0016] Furthermore, when it is monitored that the business processing status changes from a stagnation state to a recovery state, the step of processing the page data based on the stagnation reason also includes: when the stagnation reason is due to customer operation, locking the processing page, and displaying a reminder message for continuing to process the business on the client interface; when the business processing reminder message is triggered, controlling the client to display an unlocking page, wherein the customer enters the unlocking information on the unlocking page based on the terminal; when the unlocking information is successfully verified, calling the page data, and processing the financial business based on the page data.

[0017] According to another aspect of an embodiment of the present invention, a financial business processing device is also provided, including: a monitoring unit, for monitoring the business processing status of the financial business on the processing page displayed on the client when it is detected that a customer is processing financial business on the client; a cache unit, for caching page data on the processing page when it is determined that the business processing status is a stagnant state; a determination unit, for determining the stagnation reason of the financial business in the stagnant state; a processing unit, for processing the page data based on the stagnation reason when it is monitored that the business processing status changes from a stagnant state to a recovery state, so as to complete the processing of the financial business.

[0018] Furthermore, the monitoring unit includes: a first sending module, which is used to send an interactive signal to the server when the client detects that the processing page is triggered; a first determination module, which is used to determine that the business processing status is a stagnant state when the server does not receive the interactive signal within a first preset time period.

[0019] Furthermore, the cache unit includes: a second sending module, used to control the server to send a cache control signal to the client; a first extraction module, used to control the client to respond to the cache control signal, and extract the page information entered on the processing page, obtain the page data, and control the client to cache the page data.

[0020] Furthermore, the determination unit includes: a first detection module, used to detect whether the client is in an online state and a normal operating state; a second determination module, used to determine that the cause of the stagnation is a client reason when the client is not in an online state or the client is not in a normal operating state; a second detection module, used to detect whether the processing page is switched to the client's background or the processing page is not triggered within a second preset time period when the client is in an online state and the client is in a normal operating state; a third determination module, used to determine that the cause of the stagnation is a customer operation reason when the processing page is switched to the client's background or the processing page is not triggered within the second preset time period.

[0021] Furthermore, the processing unit includes: a fourth determination module, which is used to determine the current business processing progress of the financial business and the proportion of cached page data when the reason for the stagnation is a client reason, wherein the proportion is the ratio between the data volume of the cached page data and the data volume of the information required to input for processing the financial business; a first display module, which is used to display prompt information on the client interface when the current business processing progress is less than or equal to the first preset threshold and the proportion is less than or equal to the second preset threshold, and delete the cached page data when the prompt information is not triggered within a third preset time period; a second display module, which is used to display prompt information on the client interface when the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, and send the cached page data to the server when the prompt information is not triggered within the third preset time period, and display offline processing prompt information on the client interface.

[0022] Furthermore, the processing device also includes: a first acquisition module, which is used to obtain the customer's location information when the offline processing reminder information is triggered within a fourth preset time period during the process of displaying the offline processing reminder information on the client's interface; a third display module, which is used to determine the first offline outlet set based on the fixed position coordinates of the fixed position when the positioning information indicates that the customer is at a fixed position, and display the first offline outlet set on the client's interface; a fourth display module, which is used to determine the second offline outlet set corresponding to each mobile position coordinate based on the mobile position coordinates of the mobile position when the positioning information indicates that the customer is at a mobile position, and display the second offline outlet set corresponding to the customer's mobile position on the client's interface.

[0023] Furthermore, the processing device also includes: a third sending module, which is used to control the server to send the cached page data to the offline business system corresponding to the offline branch after displaying the second offline branch set corresponding to the mobile location of the customer on the client's interface, when the identification of any offline branch is triggered, wherein the offline branch is any offline branch in the first offline branch set or the second offline branch set; the offline business system is used to call the page data when the customer handles financial business at the offline branch, and process the financial business based on the page data.

[0024] Furthermore, the processing unit also includes: a first locking module, which is used to lock the processing page when the reason for the stagnation is due to customer operation, and display a prompt message for continuing to process the business on the client interface; a fifth display module, which is used to control the client to display an unlocking page when the business processing prompt message is triggered, wherein the customer enters the unlocking information on the unlocking page based on the terminal; a first calling module, which is used to call the page data when the unlocking information is successfully verified, and process the financial business based on the page data.

[0025] According to another aspect of an embodiment of the present invention, there is also provided a computer program product, comprising a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements any one of the above-mentioned methods for processing financial services.

[0026] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned methods for processing financial services.

[0027] In the present invention, when it is detected that a customer is handling financial business on a client, the business handling status of the financial business on a handling page displayed on the client is monitored, and when it is determined that the business handling status is in a stagnant state, the page data on the handling page is cached, and the stagnation reason of the financial business is determined. When it is monitored that the business handling status changes from a stagnant state to a recovery state, the page data is processed based on the stagnation reason to complete the processing of the financial business, thereby solving the technical problem of low efficiency in handling financial business on the client in related technologies.

[0028] In the present invention, by monitoring the stagnation state in the process of handling financial business, and caching the page data that has been entered on the handling page when the financial business is in a stagnation state, and intelligently processing the page data according to the stagnation cause of the stagnation state, business interruptions caused by network fluctuations, equipment failures or improper customer operations are effectively avoided, the customer experience is improved, the burden of repeated operations on customers is reduced, and the technical effect of efficiently handling financial business is achieved. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0030] Figure 1A hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for processing financial services is shown;

[0031] Figure 2 is a flow chart of a method for processing financial services according to Embodiment 1 of the present invention;

[0032] Figure 3 is a schematic diagram of a business handling status monitoring and processing flow according to Embodiment 1 of the present invention;

[0033] Figure 4 is a schematic diagram of an optional financial service processing device according to an embodiment of the present invention;

[0034] Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0035] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0036] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0037] It should be noted that the method for processing financial business and the device thereof in the present invention can be used in the field of financial technology when processing financial business, and can also be used in any field other than the field of financial technology when processing financial business. The application field of the method for processing financial business and the device thereof in the present invention is not limited.

[0038] It should be noted that the relevant information (including but not limited to customer device information, customer personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) collected and involved in the present invention are all information and data authorized by the customer or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with the relevant laws, regulations and standards of the relevant regions, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation portals are provided for customers to choose to authorize or refuse. For example, an interface is set up between the system and the relevant customers or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned customer or institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned customer or institution.

[0039] In the present invention, a method for handling financial services is proposed, which can overcome the problem that customers need to re-fill in information when logging in again or switching to offline handling after the service is interrupted on the client. It can not only cope with the service interruption caused by network fluctuations, equipment failures or improper customer operation, but also adopt the most appropriate recovery strategy according to different reasons for stagnation to ensure the smooth progress of financial services. In the case of stagnation caused by customer operation, the security of financial transactions is guaranteed by locking the page and unlocking the verification; and in the case of stagnation caused by client reasons, by judging the progress of business handling and the proportion of page data, a reasonable offline handling solution is provided, which enhances the flexibility of the service and customer satisfaction. In addition, the present invention can also dynamically recommend the nearest offline outlets according to the customer's location, provide more personalized services, and is suitable for scenarios where customers need to handle financial services on the move.

[0040] The present invention is described in detail below in conjunction with various embodiments.

[0041] Example 1

[0042] According to an embodiment of the present application, an embodiment of a method for processing financial business is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0043] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for processing financial services is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1102a, 102b, ..., 102n are used to illustrate) processor 102 (processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera, wherein the network interface may be connected to a wired and / or wireless network. A person of ordinary skill in the art will understand that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0044] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0045] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the processing method of financial services in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the processing method of the above-mentioned financial services. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0046] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0047] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a customer to interact with a customer interface of the computer terminal 10 (or mobile device).

[0048] Under the above operating environment, this application provides Figure 2 The processing method of financial business shown. Figure 2 is a flow chart of a method for processing financial services according to Embodiment 1 of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0049] Step S201, when it is detected that a customer is handling financial services on a client, monitoring the business handling status of the financial services on a handling page displayed on the client.

[0050] In an embodiment of the present invention, a financial service processing system can execute a method for processing financial services. The financial service processing system may include: a financial institution client (referred to as client, such as a mobile banking application, etc.) and a server (i.e., a service end), and a communication connection is established between the client and the service end.

[0051] In an embodiment of the present invention, when a customer logs in to a client to handle related financial services online, the server can monitor the customer's online business handling status (i.e., the business handling status of the financial business on the handling page displayed on the client) in real time.

[0052] Step S202, when it is determined that the business processing status is stagnant, cache the page data on the processing page.

[0053] In an embodiment of the present invention, when a customer operates on a certain processing page of the client, the server can continuously monitor the customer's operation progress and page status. By dynamically tracking the information input by the customer, including: whether the input is being made, whether the page is being updated, etc., it is possible to determine whether the customer has encountered an operational obstacle or has a tendency to interrupt the operation. For example, if it is found that the current page status has not changed for more than a certain period of time (if the page information has not been filled in, the current page status has not changed, and it can be considered that the page information has not been added; if the page information has been filled in, the current page status has not changed, and it can be considered that the next step has not been clicked or the next page has not been jumped), the business processing status is considered to be stagnant.

[0054] In the embodiment of the present invention, when the server finds through monitoring that the client's operation progress has not changed for a long time, that is, when the business processing status is determined to be "stagnant", the cache mechanism will be automatically activated to store the page data (including but not limited to: personal information, business details, etc.) that the client has currently completed. In this way, the filled information can be quickly loaded when the client resumes, avoiding repeated work for the client and improving the continuity and efficiency of business processing.

[0055] Step S203, determining the stagnation reason of the financial service being in a stagnation state.

[0056] In the embodiment of the present invention, after identifying that the business processing status is in a stagnant state, it is necessary to further analyze the specific reasons for the stagnation, and distinguish whether it is due to a client failure (such as a program bug (vulnerability), response delay, etc.), network connection, etc., or due to a personal operation interruption of the customer (such as temporary leaving, switching applications, etc.). For example, the self-check function of the client can be called to determine the stagnation reason of the financial business being in a stagnant state.

[0057] Step S204, when it is monitored that the business processing state changes from the stagnant state to the recovery state, the page data is processed based on the stagnation reason to complete the processing of the financial business.

[0058] In an embodiment of the present invention, when the service end detects that the customer is trying to restart the interrupted business processing (for example, reopening the client), that is, when the business processing status changes from "stagnant state" to "recovery state", it can take corresponding measures to process the cached page data according to the previously determined stagnation reason to complete the processing of the financial business. For example, if the stagnation is caused by client or network problems, the state before the interruption can be automatically restored, and the filled information can be displayed for the customer to confirm or continue the operation; if the interruption is caused by personal reasons of the customer, after the customer confirms his identity, the state before the interruption will also be restored, and the filled information will be displayed for the customer to confirm or continue the operation. In this way, during the customer's business processing process, a personalized and continuous service experience can be provided, thereby improving business processing efficiency and customer satisfaction.

[0059] Through the above steps, the embodiment of the present invention provides a method that can not only monitor and cache the data of customers when handling financial services on the client, but also intelligently restore the business handling status according to the cause of the stagnation, effectively solving the tedious problem of customers needing to start over after the operation is interrupted, and improving the customer experience and efficiency of financial services.

[0060] In summary, by monitoring the stagnation state in the process of handling financial business, and caching the page data that has been entered on the handling page when the financial business is in a stagnation state, and intelligently processing the page data according to the stagnation reason, it effectively avoids business interruptions caused by network fluctuations, equipment failures or improper customer operations, improves customer experience, reduces the burden of repeated operations for customers, and achieves the technical effect of efficiently handling financial business, thereby solving the technical problem of low efficiency in handling financial business on the client side in related technologies.

[0061] In order to improve the accuracy of determining the business processing status, in the financial business processing method provided in Example 1 of the present application, when the client detects that the processing page is triggered, it sends an interactive signal to the server; when the server does not receive the interactive signal within the first preset time period, it determines that the business processing status is a stagnant state.

[0062] In the embodiment of the present invention, the interactive signal refers to the signal sent by the client to the server when the customer performs any operation on the processing page (including but not limited to: filling in information, clicking a button or uploading a file, etc., these operations will be captured and recorded by the client in real time). The first preset duration is a time threshold for the system to determine whether the customer operation is stagnant, which is usually set to a reasonable time period, for example, 30 seconds to 5 minutes. The specific value can be adjusted according to the complexity of the business and customer experience requirements.

[0063] In an embodiment of the present invention, when a customer selects a financial service to handle on the client, the system will immediately identify and activate the corresponding handling page. Among them, the identification process includes: page loading, element rendering, and verification of customer operation permissions, etc., to ensure that the customer can start the business handling process in a safe and controllable environment. If the customer operates on the handling page (that is, the client detects that the handling page is triggered), the client will generate an interactive signal in real time and periodically send the interactive signal to the server. In this way, the server can continuously track the customer's operation dynamics and determine whether the customer is performing effective operations. The sending frequency of the interactive signal can be flexibly set. If the server can receive the interactive signal from the client within the first preset time, it is considered that the customer is handling the online business normally; if the server fails to receive the interactive signal from the client within the first preset time, it will automatically determine that the business handling status has entered a "stagnant state". In this way, after identifying the operational obstacles that the customer may encounter, including but not limited to: network interruption, client failure or customer leaving, the subsequent cache and recovery process can be triggered.

[0064] In order to improve the accuracy of the page data on the cached processing page, in the financial business processing method provided in Example 1 of the present application, the server is controlled to send a cache control signal to the client; the client is controlled to respond to the cache control signal, and extract the page information entered on the processing page to obtain the page data, and the client is controlled to cache the page data.

[0065] In the embodiment of the present invention, the cache control signal is a command signal that the server actively sends to the client when determining that the client operation is in a stagnant state, so that the client can save the page information in the current state for subsequent recovery operations. After receiving the cache control signal, the client can respond to the cache control signal to extract the page information that has been entered on the processing page (that is, all data entered or selected by the customer on the processing page, including but not limited to: personal information, business details, and any uploaded files or pictures, etc.), and then the client can organize and encapsulate this information to form structured page data, and cache these page data.

[0066] In an embodiment of the present invention, extracting page information that has been entered on a processing page includes: controlling the client to traverse all input areas of the current page, reading and collecting information that the customer has filled in, for example, identifying information in various input areas such as text boxes, drop-down menus, check boxes, etc., to extract page data.

[0067] In this embodiment, the server sends a cache control signal to the client, and the client extracts and caches the page data, which effectively solves the problem that the customer needs to re-enter information after the operation is interrupted, which not only improves the continuity and convenience of the customer's financial and business handling, but also enhances the intelligent response ability of the client, providing customers with a more personalized and efficient service experience. In the event of an operation interruption, whether due to client failure, network fluctuations or personal reasons of the customer, the cache mechanism can ensure that the information entered by the customer is retained, avoiding duplication of work and improving the efficiency of business handling and customer satisfaction.

[0068] In order to improve the accuracy of determining the reason for the stagnation of financial services, in the financial service processing method provided in Example 1 of the present application, it is detected whether the client is in an online state and a normal operating state; when the client is not in an online state or the client is not in a normal operating state, the stagnation reason is determined to be a client reason; when the client is in an online state and the client is in a normal operating state, it is detected whether the processing page is switched to the background of the client or the processing page is not triggered within a second preset time period; when the processing page is switched to the background of the client or the processing page is not triggered within the second preset time period, the stagnation reason is determined to be a customer operation reason.

[0069] In an embodiment of the present invention, it is possible to first detect whether the client is in an online state and a normal operating state, wherein the online state refers to the connection state between the client and the Internet, ensuring that the client can receive and send data; the normal operating state means that the client software can operate normally. If the client software cannot operate normally, problems such as application crashes and response delays may occur.

[0070] If the client is not connected to the Internet or is not operating normally, the cause of the stagnation is determined to be the client's fault. That is, when it is detected that the client is not connected to the Internet or is not operating normally, the system will automatically determine that the business interruption is caused by client technical problems.

[0071] If the client is connected to the Internet and in normal operation, the processing page is detected to see if it is switched to the backend of the client or if it is not triggered within a second preset time (the time threshold for the system to determine whether the client's operation is active). That is, the system determines whether the business stagnation is caused by the client's own behavior by monitoring whether the client actively switches the client to the backend or does not perform any operation for a long period of time. If it is detected that the interruption of the client's operation is caused by the client's active behavior (such as switching to the backend) or a long period of inactivity, the cause of the business stagnation will be determined to be the client's operation.

[0072] In order to improve the accuracy of processing page data according to different stagnation reasons, in the financial business processing method provided in Example 1 of the present application, when the stagnation reason is a client reason, the current business processing progress of the financial business and the proportion of the cached page data are determined, wherein the proportion is the ratio between the data volume of the cached page data and the data volume of the information required to input for processing the financial business; when the current business processing progress is less than or equal to the first preset threshold and the proportion is less than or equal to the second preset threshold, a prompt message is displayed on the client interface, and when the prompt message is not triggered within a third preset time period, the cached page data is deleted; when the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, a prompt message is displayed on the client interface, and when the prompt message is not triggered within the third preset time period, the cached page data is sent to the server, and an offline processing prompt message is displayed on the client interface.

[0073] In an embodiment of the present invention, when determining that the cause of the stagnation is a client-side reason, the current business processing progress of the financial business and the proportion of cached page data can be determined first, wherein the current business processing progress refers to the ratio of the completed operation steps to the total steps when the customer handles the financial business, which is used to measure the stage of business processing; the cached page data proportion refers to the ratio of the amount of cached page data to the total amount of information that the customer needs to input during the entire financial business processing process, which is used to evaluate the integrity and importance of the cached information. By calculating these two indicators (the current business processing progress and the proportion of cached page data), it is possible to judge the amount of labor that the customer has invested and the value of its cached data, so that when the client causes stagnation, appropriate strategies can be adopted to balance customer experience and resource management.

[0074] In an embodiment of the present invention, if the current business processing progress is less than or equal to a first preset threshold (which can be pre-set based on business characteristics and customer experience requirements, for example, 30%) and the proportion is less than or equal to a second preset threshold (which can be pre-set based on business characteristics and customer experience requirements, for example, 30%), a prompt message can be displayed on the client interface (for example, when the customer reopens the client, "You have unfinished *business, do you want to continue processing?" can be displayed on the homepage interface of the client), that is, if the customer stagnates in the early stages of business processing and the proportion of cached data is small, the system will display a prompt message through the client interface to remind the customer to continue the operation.

[0075] If the prompt message is not triggered within the third preset time period (i.e., the time window for waiting for the customer to respond to the prompt message), the cached page data can be deleted. That is, if the customer does not take any action during this time, the system will automatically delete the cached page data. In this way, the storage burden of the client can be reduced, and the impact of expired data on subsequent operations can be avoided.

[0076] In an embodiment of the present invention, if the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, a prompt message can be displayed on the client interface. At the same time, if it is not triggered within the third preset time, the cached page data will be sent to the server, and the offline processing prompt information will be displayed on the client interface (for example, if the prompt information is not clicked by the customer within a certain period of time, the customer can be reminded that he can go to the offline outlets for processing, and the offline outlets closer to the customer will be displayed). That is, when the customer has performed more in-depth business operations or the proportion of cached data is high, the system will display prompt information through the client interface to inform the customer that he can continue to operate online or choose offline processing services. If the customer does not respond within the third preset time, the system will automatically send the cached page data to the server so that the input information can be called later when the customer chooses offline processing to reduce duplication of work. At the same time, the client interface will display offline processing prompt information to guide customers on how to find the nearest offline outlets for business processing. In this way, it can be ensured that after the operation is interrupted, no matter whether the customer chooses to continue online operation or switch to offline processing, the entered information will not be lost, providing a smooth business processing transition. It is suitable for situations where the stagnation state continues and the cached data value is high, and maximizes the continuity and convenience of customer operations.

[0077] In the embodiment of the present invention, if the client continues to process based on the cached progress after the client is restored, when the client logs in again to the client, the client is prompted that there are still unfinished business, and the client clicks to continue (that is, the prompt information is triggered within the third preset time period), then the cached page information can be called from the server to continue processing, and there is no need to repeatedly fill in the information that has been filled in. Among them, when the customer clicks to continue, the client will display the pages that the customer has filled in to the customer in turn, and highlight the information filled in by the customer (which can be highlighted or bolded or changed in color, etc.), so that the customer can confirm whether there is any information update in this business processing.

[0078] In order to facilitate customers to transfer financial services from online to offline, in the financial service processing method provided in Example 1 of the present application, in the process of displaying offline processing reminder information on the client's interface, when the offline processing reminder information is triggered within a fourth preset time period, the customer's location information is obtained; when the positioning information indicates that the customer is at a fixed location, based on the fixed location coordinates of the fixed location, a first offline branch point set is determined, and the first offline branch point set is displayed on the client's interface; when the positioning information indicates that the customer is at a mobile location, based on the mobile location coordinates of the mobile location, a second offline branch point set corresponding to each mobile location coordinate is determined, and the second offline branch point set corresponding to the mobile location of the customer is displayed on the client's interface.

[0079] In the embodiment of the present invention, the offline processing prompt information is the information that appears on the client interface after the customer operation is stagnant and the cached data is sent to the server to prompt the customer to go to the offline outlet to continue processing the business. After the display of this information is triggered by the customer within the fourth preset time (i.e., the time threshold for waiting for the customer to respond to the offline processing prompt information), the customer's location information can be obtained. For example, the geographical coordinates of the customer's current location can be obtained through the positioning function carried by the client, so that the surrounding offline processing outlets can be recommended based on the customer's location, so that the customer can quickly find the nearest service point and reduce the extra waiting time and physical moving distance.

[0080] In an embodiment of the present invention, if the positioning information indicates that the customer is at a fixed location (i.e., the customer has not moved), the first offline outlet set within a certain range (e.g., within a range of 2 kilometers with the fixed location coordinates as the center) can be selected from the offline outlet database of the financial institution according to the fixed location coordinates of the fixed location (i.e., the specific coordinates of the customer not currently in a moving state). In this way, for customers at a fixed location, the system will directly recommend the surrounding offline outlets, and the customer can view the address, business hours and other information of these outlets on the client interface, so as to select the most suitable outlet to go to and continue the unfinished business.

[0081] In an embodiment of the present invention, if the positioning information indicates that the customer is in a mobile position (i.e., the customer is constantly moving, for example, the customer reopens the client on the way to get off work or on the way to travel on weekends), then the second offline outlet set corresponding to each mobile position coordinate can be determined based on the mobile position coordinates of the mobile position (i.e., the position coordinates of the customer during the movement obtained by the client in real time), and the second offline outlet set corresponding to the mobile position of the customer is displayed on the interface of the client. That is, for customers in a mobile state, the system will dynamically recommend a list of offline outlets along the way based on the real-time location update of the customer, and filter and display them with the current mobile position coordinates of the customer as the center. In this way, for customers on the move, such as customers on the way to get off work or on daily trips, the system provides a real-time updated offline outlet recommendation service, so that customers can choose the most convenient outlet to handle business according to their own itinerary, while also enhancing the flexibility and adaptability of financial services.

[0082] In order to facilitate customers to determine the offline outlets for handling financial services during the mobile process, in the financial service processing method provided in Example 1 of the present application, after the second offline outlet set corresponding to the customer's mobile location is displayed on the client's interface, when the identification of any offline outlet is triggered, the control server sends the cached page data to the offline service system corresponding to the offline outlet, wherein the offline outlet is any offline outlet in the first offline outlet set or the second offline outlet set; the offline service system is used to call the page data when the customer handles financial services at the offline outlet, and process the financial services based on the page data.

[0083] In the embodiment of the present invention, if the customer learns from the prompt information of the client that he can continue to handle the business offline, and the client has displayed a series of nearby offline outlets for the customer to choose based on the real-time mobile location of the customer, the customer can view the business hours, address, contact information and other information of each offline outlet, so as to make the best choice.

[0084] If the customer clicks or selects an offline branch on the client interface (i.e., the logo of any offline branch (i.e., any offline branch in the first offline branch set or the second offline branch set) is triggered), it indicates that the customer intends to go to the branch to continue to handle the business. The client can send the logo of the offline branch selected by the customer to the server, so that the server sends the cached page data to the offline business system corresponding to the offline branch (i.e., the internal information system used by the offline branch to handle customer business). Then, when the customer goes to the offline branch to handle financial business, the offline business system can call the page data and process the financial business based on the page data, that is, the branch staff can use this information as the starting point for business processing, supplement any unfinished online steps or details that need further verification, so as to quickly advance the business process. In this way, through the call and processing of the offline business system, the seamless connection between online operations and offline business processing is achieved, the customer experience is optimized, and the operating efficiency of financial institution branches is also improved, data redundancy and duplication of work are avoided, and the continuity and efficiency of business processes are ensured.

[0085] In order to improve the accuracy of processing page data according to different stagnation reasons, in the financial business processing method provided in Example 1 of the present application, when the stagnation reason is due to customer operation, the processing page is locked, and a prompt message for continuing to process the business is displayed on the client interface; when the business processing prompt message is triggered, the client is controlled to display an unlocking page, wherein the customer enters unlocking information on the unlocking page based on the terminal; when the unlocking information is successfully verified, the page data is called, and the financial business is processed based on the page data.

[0086] In an embodiment of the present invention, if the reason for the stagnation is due to customer operation (for example, the customer actively leaves the page, the device switches to the background, or the business is stagnant due to non-technical factors such as long-term inactivity), the processing page is locked (that is, when the customer operation is interrupted, the system automatically puts the current business processing page into a locked state to prevent other unexpected operations and ensure the security of page information), and displays a reminder message for continuing to process the business on the client interface (that is, reminding the customer that his business processing has been interrupted, but the operation can continue. If the operation continues, verification is required). In this way, customer personal information and business details can be protected from illegal access or modification. Especially in public places or when other people may access the device, this measure can provide customers with additional security.

[0087] In an embodiment of the present invention, if the customer clicks or selects the service processing prompt information on the client interface (i.e., the service processing prompt information is triggered), the unlocking page (i.e., the page where the customer can enter the unlocking information to verify his / her identity and operation intention) can be displayed. The customer can enter the unlocking information on the unlocking page (including but not limited to: password, biometric information, SMS verification code, question reply, etc., the specific method needs to match the security policy and customer authentication mechanism of the financial institution). If the unlocking information is successfully verified (for example, the reply to the customer's question is confirmed to be correct or the password is confirmed to be correct), the previously cached page data can be automatically loaded without the customer having to re-enter it, and directly enter the business processing stage, which not only saves time but also improves efficiency.

[0088] In an optional embodiment, questions displayed on the unlocking page can be generated based on the type of financial business or page data, and based on the type of financial business or page data, it can be verified whether the unlocking information entered by the customer is correct. For example, the question can be: what business the customer is currently handling, or a question can be randomly set by arbitrarily extracting cached page data.

[0089] In an embodiment of the present invention, when processing financial business based on page data, the client can display the pages that the customer has filled in to the customer in sequence according to the order in which the page information is filled in when regenerating the corresponding operation interface, and highlight the information filled in by the customer (which can be highlighted or bolded or changed in color, etc.) for the customer to confirm whether there is any information update in this business handling.

[0090] Figure 3 FIG. 1 is a schematic diagram of a business handling status monitoring and processing flow according to Embodiment 1 of the present invention. Figure 3 As shown, the status of the financial business being handled is monitored, and after determining that it is in a stagnant state, the cause of the stagnation is determined. If the stagnation cause is a client failure, it is determined whether the current handling progress is less than or equal to 30%, and whether the cache page ratio is less than or equal to 30%. If so, the user is prompted to continue handling after waiting for the client to recover. If the user has not responded after a period of time, the cache is deleted; if not, the user is prompted to continue handling after waiting for the client to recover. If the user has not responded after a period of time, the prompt is to handle offline. If the stagnation cause is due to the user, the page information that the user has filled in is extracted for caching, and the current operation interface of the client is locked.

[0091] The method for processing financial services provided in the embodiment of the present application monitors the stagnation state during the processing of financial services, and when the financial services are in a stagnation state, caches the page data that has been entered on the processing page, and intelligently processes the page data according to the stagnation cause of the stagnation state, thereby effectively avoiding business interruptions caused by network fluctuations, equipment failures or improper customer operations, improving customer experience, reducing the burden of repeated operations on customers, and achieving the technical effect of efficiently handling financial services, thereby solving the technical problem of low efficiency in handling financial services on the client side in related technologies.

[0092] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0093] Example 2

[0094] The embodiment of the present application also provides a financial service processing device. It should be noted that the financial service processing device of the embodiment of the present application can be used to execute the financial service processing method provided in the embodiment of the present application. The financial service processing device provided in the embodiment of the present application is introduced below.

[0095] According to an embodiment of the present application, a device for implementing the above-mentioned financial business processing method is also provided. Figure 4 is a schematic diagram of an optional financial service processing device according to an embodiment of the present invention, such as Figure 4 As shown, the processing device may include: a monitoring unit 40 , a cache unit 41 , a determination unit 42 , and a processing unit 43 .

[0096] The monitoring unit 40 is used to monitor the business processing status of the financial business on the processing page displayed on the client when it is detected that the customer is processing the financial business on the client;

[0097] The cache unit 41 is used to cache the page data on the processing page when it is determined that the business processing state is in a stagnant state;

[0098] A determination unit 42, used to determine the stagnation reason of the financial business being in a stagnant state;

[0099] The processing unit 43 is used to process the page data based on the stagnation reason to complete the processing of the financial business when it is detected that the business processing state changes from the stagnation state to the recovery state.

[0100] The financial service processing device provided in the embodiment of the present application monitors the stagnation state during the financial service processing, and when the financial service is in a stagnation state, caches the page data that has been entered on the processing page, and intelligently processes the page data according to the stagnation cause of the stagnation state, thereby effectively avoiding business interruptions caused by network fluctuations, equipment failures or improper customer operations, improving customer experience, reducing the burden of repeated operations on customers, and achieving the technical effect of efficiently handling financial services, thereby solving the technical problem of low efficiency in handling financial services on the client side in related technologies.

[0101] Optionally, the monitoring unit includes: a first sending module, used to send an interactive signal to the server when the client detects that the processing page is triggered; a first determination module, used to determine that the business processing status is a stagnant state when the server does not receive the interactive signal within a first preset time period.

[0102] Optionally, the cache unit includes: a second sending module, used to control the server to send a cache control signal to the client; a first extraction module, used to control the client to respond to the cache control signal, and extract the page information entered on the processing page, obtain the page data, and control the client to cache the page data.

[0103] Optionally, the determination unit includes: a first detection module, used to detect whether the client is in an online state and a normal operating state; a second determination module, used to determine that the cause of the stagnation is a client reason when the client is not in an online state or the client is not in a normal operating state; a second detection module, used to detect whether the processing page is switched to the client's background or the processing page is not triggered within a second preset time period when the client is in an online state and the client is in a normal operating state; a third determination module, used to determine that the cause of the stagnation is a customer operation reason when the processing page is switched to the client's background or the processing page is not triggered within the second preset time period.

[0104] Optionally, the processing unit includes: a fourth determination module, used to determine the current business processing progress of the financial business and the proportion of cached page data when the reason for the stagnation is a client reason, wherein the proportion is the ratio between the data volume of the cached page data and the data volume of information that needs to be input for processing the financial business; a first display module, used to display prompt information on the client interface when the current business processing progress is less than or equal to the first preset threshold and the proportion is less than or equal to the second preset threshold, and to delete the cached page data when the prompt information is not triggered within a third preset time period; a second display module, used to display prompt information on the client interface when the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, and to send the cached page data to the server when the prompt information is not triggered within the third preset time period, and to display offline processing prompt information on the client interface.

[0105] Optionally, the processing device also includes: a first acquisition module, which is used to obtain the customer's location information when the offline processing reminder information is triggered within a fourth preset time period during the process of displaying the offline processing reminder information on the client's interface; a third display module, which is used to determine the first offline outlet set based on the fixed position coordinates of the fixed position when the positioning information indicates that the customer is at a fixed position, and display the first offline outlet set on the client's interface; a fourth display module, which is used to determine the second offline outlet set corresponding to each mobile position coordinate based on the mobile position coordinates of the mobile position when the positioning information indicates that the customer is at a mobile position, and display the second offline outlet set corresponding to the mobile position of the customer on the client's interface.

[0106] Optionally, the processing device also includes: a third sending module, which is used to control the server to send the cached page data to the offline business system corresponding to the offline branch after displaying the second offline branch set corresponding to the mobile location of the customer on the client's interface, when the identification of any offline branch is triggered, wherein the offline branch is any offline branch in the first offline branch set or the second offline branch set; the offline business system is used to call the page data when the customer handles financial business at the offline branch, and process the financial business based on the page data.

[0107] Optionally, the processing unit also includes: a first locking module, which is used to lock the processing page when the reason for the stagnation is due to customer operation, and display a prompt message for continuing to process the business on the client interface; a fifth display module, which is used to control the client to display an unlocking page when the business processing prompt message is triggered, wherein the customer enters the unlocking information on the unlocking page based on the terminal; a first calling module, which is used to call the page data when the unlocking information is successfully verified, and process the financial business based on the page data.

[0108] The above-mentioned processing device may also include a processor and a memory. The above-mentioned monitoring unit 40, cache unit 41, determination unit 42, processing unit 43, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0109] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the kernel parameters can be adjusted to process the page data based on the cause of the stagnation when the business handling state is detected to change from the stagnant state to the recovery state, so as to complete the processing of the financial business.

[0110] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (fl ash RAM), and the memory includes at least one storage chip.

[0111] It should be noted that the monitoring unit 40, the cache unit 41, the determination unit 42, and the processing unit 43 correspond to steps S201 to S204 in Example 1, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the above Example 1. It should be noted that the above units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above units can also be run in the computer terminal 10 provided in Example 1 as part of the device.

[0112] Example 3

[0113] An embodiment of the present application may provide an electronic device, Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present invention. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (only one is shown) processor 502, memory 504, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0114] Among them, the memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the processing method and device of the financial business in the embodiment of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned processing method of the financial business. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0115] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: when it is detected that a customer is handling financial business on the client, monitor the business processing status of the financial business on the processing page displayed on the client; when it is determined that the business processing status is in a stagnant state, cache the page data on the processing page; determine the stagnation reason of the financial business in the stagnant state; when it is monitored that the business processing status changes from a stagnant state to a recovery state, process the page data based on the stagnation reason to complete the processing of the financial business.

[0116] The processor can also call the information and applications stored in the memory through the transmission device to perform the following steps: when the client detects that the processing page is triggered, it sends an interactive signal to the server; when the server does not receive the interactive signal within the first preset time period, it determines that the business processing status is stagnant.

[0117] The processor can also call the information and applications stored in the memory through the transmission device to perform the following steps: control the server to send a cache control signal to the client; control the client to respond to the cache control signal, and extract the page information entered on the processing page to obtain the page data, and control the client to cache the page data.

[0118] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: detect whether the client is in an online state and a normal operating state; when the client is not in an online state or the client is not in a normal operating state, determine that the cause of the stagnation is a client reason; when the client is in an online state and the client is in a normal operating state, detect whether the processing page is switched to the client's background or the processing page is not triggered within a second preset time period; when the processing page is switched to the client's background or the processing page is not triggered within the second preset time period, determine that the cause of the stagnation is a customer operation reason.

[0119] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: when the reason for the stagnation is the client reason, determine the current business processing progress of the financial business and the proportion of the cached page data, wherein the proportion is the ratio between the data volume of the cached page data and the data volume of the information required to input for processing the financial business; when the current business processing progress is less than or equal to the first preset threshold and the proportion is less than or equal to the second preset threshold, display a prompt message on the client interface, and delete the cached page data if the prompt message is not triggered within a third preset time period; when the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, display a prompt message on the client interface, and send the cached page data to the server if the prompt message is not triggered within the third preset time period, and display the offline processing prompt message on the client interface.

[0120] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: when the offline processing reminder information is triggered within the fourth preset time period, the customer's location information is obtained; when the location information indicates that the customer is at a fixed location, based on the fixed location coordinates of the fixed location, a first offline outlet set is determined, and the first offline outlet set is displayed on the client interface; when the location information indicates that the customer is at a mobile location, based on the mobile location coordinates of the mobile location, a second offline outlet set corresponding to each mobile location coordinate is determined, and the second offline outlet set corresponding to the mobile location of the customer is displayed on the client interface.

[0121] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: when the identification of any offline branch is triggered, the control server sends the cached page data to the offline business system corresponding to the offline branch, wherein the offline branch is any offline branch in the first offline branch set or the second offline branch set; the offline business system is used to call the page data when the customer handles financial services at the offline branch, and process the financial services based on the page data.

[0122] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: when the reason for the stagnation is the customer's operation, lock the processing page and display the reminder information for continuing to process the business on the client interface; when the business processing reminder information is triggered, control the client to display the unlocking page, wherein the customer enters the unlocking information on the unlocking page based on the terminal; when the unlocking information is successfully verified, call the page data, and process the financial business based on the page data.

[0123] By adopting the embodiment of the present application, a solution for processing financial business is provided. By monitoring the stagnation state in the process of handling financial business, and caching the page data that has been entered on the handling page when the financial business is in a stagnant state, and intelligently processing the page data according to the stagnation cause of the stagnation state, the business interruption caused by network fluctuations, equipment failure or improper customer operation is effectively avoided, the customer experience is improved, the burden of repeated operations of customers is reduced, and the technical effect of efficiently handling financial business is achieved, thereby solving the technical problem of low efficiency in handling financial business on the client side in related technologies.

[0124] It can be understood by those skilled in the art that Figure 5 The structure shown is for illustration only, and the electronic device may also be a terminal device such as a smart phone, a tablet computer, a PDA, and a Mobile Internet Device (MID). Figure 5 The structure of the electronic device is not limited. Figure 5 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 5 Different configurations shown.

[0125] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0126] Example 4

[0127] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the financial service processing method provided in the first embodiment.

[0128] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0129] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the processing method of financial business.

[0130] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0131] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0132] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0133] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0134] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0135] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or CD-ROM and other media that can store program codes.

[0136] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing financial services, characterized in that: include: When it is detected that a customer is handling a financial service on a client, monitoring the handling status of the financial service on a handling page displayed on the client; When it is determined that the business processing state is in a stagnant state, cache the page data on the processing page; Determining the reasons why the financial business is in the said stagnant state; When it is monitored that the business processing status changes from the stagnant state to the recovery state, the page data is processed based on the stagnation reason to complete the processing of the financial business.

2. The processing method according to claim 1, characterized in that: The step of monitoring the business processing status of the financial business on the processing page displayed on the client comprises: When the client detects that the processing page is triggered, sending an interaction signal to the server; When the server does not receive the interactive signal within the first preset time period, it is determined that the service processing state is the stagnant state.

3. The processing method according to claim 1, characterized in that: When it is determined that the business processing state is in a stagnant state, the step of caching the page data on the processing page includes: Controlling the server to send a cache control signal to the client; The client is controlled to respond to the cache control signal, and the page information input on the processing page is extracted to obtain the page data, and the client is controlled to cache the page data.

4. The processing method according to claim 1, characterized in that: The step of determining the stagnation reason of the financial business being in the stagnation state comprises: Detecting whether the client is in an online state and in a normal operating state; When the client is not in the networking state or the client is not in the normal operating state, determining that the stagnation cause is a client cause; When the client is in the networked state and the client is in the normal operating state, detecting whether the processing page is switched to the backend of the client or the processing page is not triggered within a second preset time period; When the processing page is switched to the backend of the client or the processing page is not triggered within the second preset time period, it is determined that the stagnation reason is a customer operation reason.

5. The processing method according to claim 1, characterized in that: When it is detected that the business processing state changes from the stagnant state to the recovery state, the step of processing the page data based on the stagnation cause includes: In the case where the stagnation reason is caused by the client, determining the current business processing progress of the financial business and the proportion of the cached page data, wherein the proportion is the ratio between the amount of cached page data and the amount of information required to be input for processing the financial business; When the current business processing progress is less than or equal to the first preset threshold and the proportion is less than or equal to the second preset threshold, display a prompt message on the interface of the client, and when the prompt message is not triggered within a third preset time, delete the cached page data; When the current business processing progress is greater than the first preset threshold or the proportion is greater than the second preset threshold, the prompt information is displayed on the interface of the client. When the prompt information is not triggered within the third preset time period, the cached page data is sent to the server, and the offline processing prompt information is displayed on the interface of the client.

6. The processing method according to claim 5, characterized in that: The process of displaying the offline processing prompt information on the interface of the client also includes: When the offline processing reminder information is triggered within a fourth preset time period, obtaining the location information of the customer; When the positioning information indicates that the client is at a fixed location, determining a first offline network point set based on the fixed location coordinates of the fixed location, and displaying the first offline network point set on the interface of the client; When the positioning information indicates that the customer is at a mobile location, based on the mobile location coordinates of the mobile location, a second offline network point set corresponding to each mobile location coordinate is determined, and the second offline network point set corresponding to the mobile location of the customer is displayed on the interface of the client.

7. The processing method according to claim 6, characterized in that: After displaying the second offline network point set corresponding to the mobile location of the customer on the interface of the client, the method further includes: When the identification of any offline branch is triggered, the server is controlled to send the cached page data to the offline business system corresponding to the offline branch, wherein the offline branch is any offline branch in the first offline branch set or the second offline branch set; the offline business system is used to call the page data when the customer handles the financial business at the offline branch, and process the financial business based on the page data.

8. The processing method according to claim 1, characterized in that: In the case where it is monitored that the business handling state changes from the stagnant state to the recovery state, the step of processing the page data based on the stagnation cause further includes: If the reason for the stagnation is due to a customer operation, the processing page is locked, and a prompt message for continuing the processing of the service is displayed on the interface of the client; When the service handling prompt information is triggered, controlling the client to display an unlocking page, wherein the customer inputs unlocking information on the unlocking page based on the terminal; When the unlocking information is successfully verified, the page data is called, and the financial service is processed based on the page data.

9. A financial service processing device, characterized in that: include: A monitoring unit, configured to monitor the business processing status of the financial business on the processing page displayed on the client when detecting that the customer is processing a financial business on the client; A cache unit, configured to cache page data on the processing page when determining that the business processing state is a stagnant state; a determination unit, configured to determine a stagnation reason why the financial service is in the stagnation state; The processing unit is used to process the page data based on the stagnation reason to complete the processing of the financial business when monitoring that the business processing state changes from the stagnation state to the recovery state.

10. A computer program product, characterized in that It comprises a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method for processing financial business described in any one of claims 1 to 8 is implemented.

11. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the financial business processing method described in any one of claims 1 to 8.

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