Business processing method and device of financial institution and storage medium

Abstract

The invention discloses a business processing method and device of a financial institution and a storage medium. The method comprises the following steps: determining a target business to be handled by a target customer; obtaining target information of the target customer according to the target business; when it is detected that the target customer confirms the target business and the target information, generating a business order; and obtaining an order number of the business order, and sending the order number to a target teller of the financial institution to provide information for the target teller to process the target business. Through the method and the device, the problem of relatively low business handling efficiency caused by relatively long handling time due to the fact that a customer depends on a teller to handle businesses one by one when the customer handles the businesses at a website of a financial institution in the related technology is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and more specifically, to a business processing method, device and storage medium of a financial institution. Background Art

[0002] In the traditional financial institution service model, when customers go to a financial institution's branch to handle business, they often need to complete a series of procedures, including filling out paper application forms and submitting identity certificates, while the teller needs to perform a series of operations such as information entry, identity verification, and business processing. This process is complicated and time-consuming. Especially when dealing with businesses involving large amounts of cash and important documents, tellers need to spend more time to ensure the security and compliance of transactions. This model often causes customers to wait in line for a long time, affecting the customer experience, while also bringing huge work pressure to the tellers of financial institutions, affecting the efficiency and accuracy of business processing.

[0003] With regard to the problem in related technologies that when customers go to branches of financial institutions to handle business, they rely on tellers to handle the business one by one, which takes a long time and leads to low business handling efficiency, no effective solution has been proposed so far. Summary of the invention

[0004] The main purpose of this application is to provide a business processing method, device and storage medium of a financial institution to solve the problem in the related technology that when customers go to the branches of the financial institution to handle business, they rely on tellers to handle it one by one, which takes a long time and leads to low business handling efficiency.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a business processing method of a financial institution is provided. The method includes: determining the target business to be handled by the target customer; obtaining the target information of the target customer according to the target business; generating a business order when it is detected that the target customer confirms the target business and target information; obtaining the order number of the business order, and sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business.

[0006] Furthermore, obtaining target information of target customers based on target business includes: determining the information channel through which the target customer triggers the handling of the target business; if the information channel is a target application, collecting target information of the target customer through the target application; if the information channel is a branch terminal device of a financial institution, collecting target information of the target customer through the branch terminal device.

[0007] Furthermore, if the information channel is a branch terminal device of a financial institution, collecting target information of target customers through the branch terminal device includes: obtaining the operating status information of the intelligent robot in the financial institution, and determining the target intelligent robot that is idle based on the operating status information of the intelligent robot; obtaining the business process and rule base corresponding to the target business through the database of the financial institution; the target intelligent robot guides the target customer to operate on the branch terminal device based on the business process and rule base, thereby collecting the target information of the target customer through the branch terminal device.

[0008] Furthermore, when it is detected that the target customer confirms the target business and target information, after generating the business order, the method also includes: generating a random key, encrypting the order number of the business order using the random key and an encryption algorithm to obtain the encrypted order number; obtaining the financial institution system public key, encrypting the random key using the financial institution system public key and an asymmetric encryption algorithm to obtain the encrypted random key.

[0009] Furthermore, after obtaining the order number of the business order and sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, the method also includes: upon detecting that the target teller of the financial institution enters the encrypted order number for inquiry, obtaining the financial institution system private key and the encrypted random key; using the financial institution system private key to decrypt the encrypted random key to obtain the decrypted random key; using the decrypted random key to decrypt the encrypted order number to obtain the decrypted order number of the business order.

[0010] Furthermore, if the information channel is a target application, collecting target information of target customers through the target application includes: obtaining at least one business module associated with the target business in the target application; displaying at least one business module in the target application; and collecting target information of the target customer by receiving operations performed by the target customer on at least one business module.

[0011] Furthermore, after decrypting the encrypted order number using the decrypted random key to obtain the decrypted order number of the business order, the method further includes: obtaining target information of the business order based on the decrypted order number of the business order, wherein the target information includes at least: a scanned copy or electronic photo of the target customer's identity document, facial recognition data, electronic signature, contact information, target business and process.

[0012] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a business processing device of a financial institution is provided. The device comprises: a first acquisition unit, which determines the target business to be handled by the target customer; a second acquisition unit, which acquires the target information of the target customer according to the target business; a generation unit, which generates a business order when it is detected that the target customer confirms the target business and target information; a sending unit, which acquires the order number of the business order and sends the order number to the target teller of the financial institution to provide information for the target teller to handle the target business.

[0013] Furthermore, the second acquisition unit includes: an acquisition module, which determines the information channel for the target customer to trigger the handling of the target business; a first collection module, which collects the target information of the target customer through the target application if the information channel is the target application; and a second collection module, which collects the target information of the target customer through the branch terminal equipment if the information channel is the branch terminal equipment of the financial institution.

[0014] Furthermore, the second collection module includes: a first acquisition sub-module, which acquires the operating status information of the intelligent robot in the financial institution, and determines the target intelligent robot that is idle based on the operating status information of the intelligent robot; a second acquisition sub-module, which acquires the business process and rule library corresponding to the target business through the database of the financial institution; in the first collection sub-module, the target intelligent robot guides the target customer to operate in the branch terminal device according to the business process and rule library, thereby collecting the target information of the target customer through the branch terminal device.

[0015] Furthermore, the device also includes: a first encryption unit, which generates a random key, uses the random key and an encryption algorithm to encrypt the order number of the business order, and obtains the encrypted order number; a second encryption unit, which obtains the financial institution system public key, uses the financial institution system public key and an asymmetric encryption algorithm to encrypt the random key, and obtains the encrypted random key.

[0016] Furthermore, the device also includes: a third acquisition unit, which acquires the financial institution system private key and the encrypted random key when it detects that the target teller of the financial institution enters the encrypted order number for inquiry; a first decryption unit, which uses the financial institution system private key to decrypt the encrypted random key to obtain the decrypted random key; and a second decryption unit, which uses the decrypted random key to decrypt the encrypted order number to obtain the decrypted order number of the business order.

[0017] Furthermore, the first collection module also includes: a third acquisition sub-module, which acquires at least one business module associated with the target business in the target application; a display module, which displays at least one business module in the target application; and a second collection sub-module, which collects target information of the target customer by receiving the target customer's operations on at least one business module.

[0018] Furthermore, the device also includes: a third acquisition unit, which acquires target information of the business order according to the decrypted order number of the business order.

[0019] According to another aspect of the present application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute any business processing method of a financial institution.

[0020] According to another aspect of the present application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include a method for executing a business processing of any financial institution.

[0021] According to another aspect of the present application, a computer program product is provided, comprising computer instructions, which, when executed by a processor, implement any of the above steps of business processing of a financial institution.

[0022] In the embodiment of the present application, by determining the target business to be handled by the target customer; obtaining the target information of the target customer based on the target business; generating a business order when detecting that the target customer confirms the target business and target information; obtaining the order number of the business order, and sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, the problem of low business handling efficiency caused by the customer relying on the teller to handle the business one by one at the branch of the financial institution is solved. By sending the order number associated with the target information to the target teller of the financial institution, the efficiency of the target teller in obtaining the target information for handling the target business is improved, the workload of on-site business handling is reduced, and the handling time is shortened, thereby achieving the effect of improving business handling efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0024] Figure 1A hardware structure block diagram of a computer terminal for implementing a business processing method of a financial institution is shown;

[0025] Figure 2 is a flow chart of a business processing method of a financial institution provided according to an embodiment of the present application;

[0026] Figure 3 is a flow chart for obtaining target information of target customers according to an embodiment of the present application;

[0027] Figure 4 is a flow chart of collecting customer target information by a branch terminal device according to an embodiment of the present application;

[0028] Figure 5 This is a flowchart of business order number encryption provided according to an embodiment of the present application;

[0029] Figure 6 is a flowchart of decryption processing of an encrypted business order number provided in an embodiment of the present application;

[0030] Figure 7 is a flow chart of collecting target customer target information by a target application provided in an embodiment of the present application;

[0031] Figure 8 is a schematic diagram of a business processing device of a financial institution provided according to an embodiment of the present application;

[0032] Fig. 9 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0034] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application 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 interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0035] It should be noted that the collected information involved in this application (including but not limited to user device information, intelligent robot operation status information, customer ID scans or electronic photos, facial recognition data, electronic signatures, contact information, business processes and rule bases) and data (including but not limited to data for display, order numbers, financial institution system public keys, financial institution system private keys, random keys, encrypted random keys, etc.) are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0036] Example 1

[0037] According to an embodiment of the present application, an embodiment of a method for business processing of a financial institution 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.

[0038] 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 business processing method of a financial institution is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the 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, 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. It can be understood by those skilled in the art 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.

[0039] 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).

[0040] 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 business processing method of the financial institution 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 business processing method of the financial institution mentioned above. 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.

[0041] 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.

[0042] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0043] Under the above operating environment, this application provides Figure 2 The business processing method of the financial institution shown. Figure 2 It is a flowchart of the business processing method of a financial institution according to Example 1 of the present application.

[0044] Step S201, determining the target business to be handled by the target customer.

[0045] Optionally, the target business mentioned above may be a physical business, which relies on manual handling by tellers and is difficult to be handled directly online or in other non-manual ways. The target business may include large-value cash deposits and withdrawals, time deposit opening, debit card account opening and closing, debit card reissuance, etc. For example, if a customer selects the "large-value certificate of deposit opening" service in the mobile banking application, the service is the target business to be handled above.

[0046] Step S202: acquiring target information of target customers according to target business.

[0047] For example, when a customer applies for a large-denomination certificate of deposit, the target information obtained based on the large-denomination certificate of deposit opening business may include a scanned copy or electronic photo of the ID card, facial recognition data, deposit amount, deposit term, product type, electronic signature, etc. After confirming the customer's pending business, these target information can help the teller handle the business without having to re-enter or confirm it on site.

[0048] Step S203: When it is detected that the target customer confirms the target business and target information, a business order is generated.

[0049] Optionally, after collecting all the target information, the customer can make a final confirmation. After confirming that all the target information is correct, the customer gives authorization through electronic signature. Based on the customer's confirmation and authorization, a business order containing all the target information is generated.

[0050] For example, under the guidance of the mobile banking application, the customer confirms that all target information is correct and signs electronically. The system generates a business order containing target information such as customer information, transaction details, and electronic signature. After confirming the customer's pending business, these target information can help the teller process the business without having to re-enter or confirm it on site.

[0051] Step S204, obtaining the order number of the business order, and sending the order number to the target teller of the financial institution to provide information for the target teller to process the target business.

[0052] For example, the target business is the opening of large-denomination certificates of deposit. The order number is sent to the target teller of the financial institution. After receiving the order number, the teller of the financial institution can quickly retrieve the target information of the business order through the number. After confirming the identity of the customer, he can directly print the time deposit certificate, complete the fund deposit and other operations, and quickly complete the opening of the large-denomination certificate of deposit.

[0053] In the embodiment of the present application, by determining the target business to be handled by the target customer; obtaining the target information of the target customer based on the target business; generating a business order when detecting that the target customer confirms the target business and target information; obtaining the order number of the business order, and sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, the problem of low business handling efficiency caused by the customer relying on the teller to handle the business one by one at the outlet of the financial institution is solved. In the present application, the business information that can be collected in advance during the business handling process is collected by the customer filling in and submitting it on the terminal device, a business order is generated and the order number is sent to the teller of the financial institution. The teller can quickly obtain the business information required by the customer to handle the business according to the order number, which reduces the workload of on-site business handling for the teller and shortens the handling time, thereby achieving the technical effect of improving business handling efficiency.

[0054] In an optional embodiment, if Figure 3 As shown, the target information of target customers obtained according to the target business includes:

[0055] Step S301, determining the information channel for the target customer to trigger the processing of the target business.

[0056] Optionally, the information channel refers to the way that the customer chooses to submit the business application, which can be a mobile banking application, online banking, telephone banking, or smart terminal devices in financial institution branches, etc., which is not limited in this application. In specific implementation, the system needs to identify which channel the customer triggers the business processing request, so as to adopt corresponding information collection methods according to different channels.

[0057] Step S302: if the information channel is a target application, target information of the target customer is collected through the target application.

[0058] Optionally, if the customer submits the service application through a client application, the information is displayed and the customer input is received through the application interface. The target application may include mobile banking applications, online banking, telephone banking, browser clients, public account clients, mini-program clients, etc., which are not limited in this application.

[0059] For example, a customer submits an application for opening a large-denomination certificate of deposit using a mobile banking application. The system determines that the submission is made through a client application and interacts with the client application to receive customer input.

[0060] Step S303: if the information channel is a branch terminal device of a financial institution, target information of the target customer is collected through the branch terminal device.

[0061] Optionally, if the customer submits the service application through a branch terminal device of a financial institution, the branch terminal device of the financial institution displays information and receives customer input. The branch terminal device of the financial institution may include an intelligent ATM machine, an intelligent self-service machine, etc., which is not limited in this application.

[0062] For example, a customer submits an application for opening a large-denomination certificate of deposit using a smart self-service machine. The system determines that the application was submitted through a branch smart terminal and interacts with the branch smart terminal to receive customer input.

[0063] Through the above technical solutions, intelligent identification and processing of the ways in which customers trigger business needs are achieved, which can provide customers with diversified and convenient services.

[0064] In an optional embodiment, if Figure 4 As shown, if the information channel is a branch terminal device of a financial institution, the target information of the target customer collected through the branch terminal device includes:

[0065] Step S401, obtaining the operating status information of the intelligent robots in the financial institution, and determining the target intelligent robots that are idle according to the operating status information of the intelligent robots.

[0066] Optionally, the operating status information of the intelligent robot at work may include whether it is serving other customers, whether it needs maintenance, whether it is on standby, the length of the current task queue, etc. By analyzing the operating status of the intelligent robot, a target intelligent robot in an idle state is automatically selected to provide services to the customer.

[0067] Step S402: Acquire the business process and rule base corresponding to the target business through the database of the financial institution.

[0068] For example, an example of a business process for opening a large-denomination certificate of deposit may include: filling in basic information, filling in the specific amount of the certificate of deposit, selecting the type of deposit product, selecting the term of deposit, identity verification and confirmation. Accordingly, the rules that need to be followed for filling in basic information may include: name and ID number are required and cannot contain special characters or blanks, ID number must be 18 digits, etc.; the rules that need to be followed for filling in the specific amount of the certificate of deposit may include: the amount of the certificate of deposit must be greater than or equal to the minimum amount of large-denomination certificates of deposit set by the financial institution, the amount can only be entered in numbers, and negative numbers or zeros are not allowed; the rules that need to be followed for selecting the type of deposit product may include: the product list must be pre-set in the financial institution system, such as ordinary time deposits, structured deposits, etc.; the rules that need to be followed for selecting the term of deposit may include: it must be selected from the list of terms preset by the financial institution, and customers are not allowed to customize the term of deposit, etc.; the rules that need to be followed for identity verification and confirmation may include: the uploaded ID image must be clear and able to recognize all text and photos, facial recognition must pass the built-in liveness detection function to prevent photo or video deception, and the electronic signature must comply with relevant regulations, etc.

[0069] Step S403: The target intelligent robot guides the target customer to operate on the branch terminal device according to the business process and rule library, thereby collecting target information of the target customer through the branch terminal device.

[0070] Optionally, intelligent robots can guide customers to fill in the information to effectively avoid operational errors or omissions. For example, in a large-value certificate of deposit application scenario, the intelligent robot will guide customers to enter basic information, deposit amount, select deposit products, upload ID scans, perform facial recognition verification, etc. on the branch terminal device, and explain the relevant rules while the user is operating to answer customer questions.

[0071] Through the above technical solution, an information collection method based on the collaboration between intelligent robots and branch terminal equipment is realized, which makes business processing smoother, reduces the possibility of human errors, and helps to provide customers with a more convenient and efficient service experience.

[0072] In an optional embodiment, if Figure 5 As shown, when it is detected that the target customer confirms the target business and target information, after generating the business order, the method further includes:

[0073] Step S501, generate a random key, use the random key and encryption algorithm to encrypt the order number of the business order, and obtain the encrypted order number.

[0074] Optionally, in order to ensure the privacy of customer business orders and prevent the order number from being obtained by unauthorized third parties during transmission or storage, the order number needs to be encrypted using a random key and encryption algorithm to ensure the security of the order number and protect customer privacy. The random key can be a complex, randomly generated string or digital sequence. The encryption algorithm can be the AES algorithm, DES algorithm, RC4 algorithm, etc., which is not limited in this application.

[0075] For example, a random 128-bit key such as 52A3C5E2B189D6F0A407B82E is generated. Assuming there is an order number 1234567890123456, the order number is encrypted using the random key generated above and the AES algorithm. The AES algorithm uses the key and plaintext data to perform multiple rounds of substitution and replacement operations, and finally obtains the encrypted order number E3B0C44298FC1C149AFBF4C8996FB92427AE41E4649B934CA495991B7852B855.

[0076] Step S502, obtaining the financial institution system public key, using the financial institution system public key and an asymmetric encryption algorithm to encrypt the random key to obtain an encrypted random key.

[0077] Optionally, the financial institution system public key refers to the public key in a pair of keys used for asymmetric encryption within the financial institution system, which is used to encrypt data to ensure the security of data during transmission. Only the private key of the financial institution system can decrypt it. An asymmetric encryption algorithm refers to an encryption algorithm that uses a pair of public keys and private keys, where the public key is used for encryption and the private key is used for decryption, ensuring that even if the encryption key is intercepted, it cannot be decrypted. The asymmetric encryption algorithm can be an RSA algorithm, an ECC algorithm, a Diffie-Hellman key exchange algorithm, an ElGamal algorithm, etc., which is not limited in this application.

[0078] For example, assuming that the system public key obtained from the public key infrastructure of the financial institution and disclosed in advance is: 00:02:31:AC:12:34:56:78:9A:BC:DE:01:23:45:67:89:AB:CD:E0:F1:23:45:67:89:AB:CD:E0:F1:23:45:67:89:AB:CD:E0:F1, use the RSA algorithm to encrypt the random key 52A3C5E2B189D6F0A407B82E generated in the step S501 case, and the encrypted random key (expressed in hexadecimal, the actual key will be longer) is A94A8FE5CCB19BA61C4C0873D391E987982FBBD3.

[0079] Through the above technical solution, an efficient and secure data protection solution is provided for the business order processing of financial institutions, which effectively strengthens the data security and privacy protection of financial institutions and their customers.

[0080] In an optional embodiment, if Figure 6 As shown, after obtaining the order number of the business order and sending the order number to the target teller of the financial institution to provide information for the target teller to process the target business, the method further includes:

[0081] Step S601, when it is detected that the target teller of the financial institution enters the encrypted order number for inquiry, the financial institution system private key and the encrypted random key are obtained.

[0082] Optionally, when the target teller enters the encrypted order number in the system for query, the financial institution system obtains the encrypted order number and then starts the secure decryption process. First, the system obtains the financial institution system private key from its internal secure storage and reads the encrypted random key corresponding to the encrypted order number. The purpose of obtaining the private key is to be able to decrypt the data previously encrypted with the public key, that is, the encrypted random key.

[0083] Step S602: decrypt the encrypted random key using the financial institution system private key to obtain a decrypted random key.

[0084] Optionally, the system uses the financial institution system private key and the decryption process corresponding to the asymmetric encryption algorithm to decrypt the random key encrypted in step S502. This process uses the uniqueness of the private key and the mathematical properties of the asymmetric encryption algorithm to convert the encrypted random key into the original random key and restore its ability to be used for symmetric encryption.

[0085] For example, the financial institution system private key called from the secure storage is (expressed in hexadecimal, the actual private key will be longer): 20:45:AC:DF:02:34:56:78:9A:BC:DE:01:23:45:67:89:AB:CD:E0:F1. For the case in step S502, the encrypted random key A94A8FE5CCB19BA61C4C0873D391E987982FBBD3 is decrypted using the corresponding decryption process in RSA, and the decrypted random key is (expressed in hexadecimal): 52A3C5E2B189D6F0A407B82E.

[0086] Step S603, using the decrypted random key, decrypt the encrypted order number to obtain the decrypted order number of the business order.

[0087] Optionally, the system uses the decrypted random key and the decryption process corresponding to the symmetric encryption algorithm to decrypt the order number encrypted in step S501. This process uses the reversibility of the symmetric encryption algorithm to convert the encrypted order number into the original order number, so that the teller can view and process the customer's specific business.

[0088] For example, the decrypted random key obtained in step S602 is (expressed in hexadecimal): 52A3C5E2B189D6F0A407B82E, and the encrypted order number E3B0C44298FC1C149AFBF4C8996FB92427AE41E4649B934CA495991B7852B855 in the case of step S501 is obtained. Using the decryption process corresponding to the AES algorithm, the decrypted order number 1234567890123456 can be obtained.

[0089] Through the above technical solution, a safe and stable data decryption solution is provided, which ensures the security of data transmission and the accuracy of business processing, and helps to improve the overall quality and efficiency of financial institutions' services.

[0090] In an optional embodiment, if Figure 7 As shown in the figure, if the information channel is the target application, the target information of the target customer collected through the target application includes:

[0091] Step S701: acquiring at least one business module associated with a target business in a target application.

[0092] Optionally, when a customer logs in to the target application and selects the target business to be handled, the application will dynamically load at least one business module related to the business according to the customer's selection. For example, if the customer selects the large-amount certificate of deposit opening business, the application will load an interface containing modules such as customer information input, certificate of deposit amount selection, and deposit term selection to guide the customer to complete the business application. The design of these modules follows the business processes and data validation rules within the financial institution to ensure the integrity and accuracy of the customer's target information.

[0093] Step S702: display at least one business module in the target application.

[0094] Optionally, the target business module can be at least one of the following: large cash deposits, large cash withdrawals, cash remittances, foreign exchange exchange, physical currency exchange, opening of time deposits, updating of deposit certificates or passbooks, early withdrawal of time deposits, debit card account opening, debit card account cancellation, debit card activation, debit card replacement, passbook replacement, deposit certificate replacement, checkbook replacement, physical securities custody, physical securities trading, storage and withdrawal of valuables, and physical loan mortgage.

[0095] Step S703: collecting target information of the target customer by receiving the target customer's operation on at least one business module.

[0096] Optionally, after the target customer selects at least one business module, the target information of the corresponding business module is obtained, and all operations of the customer, including filled-in form data, uploaded files, etc., are received and recorded.

[0097] Through the above technical solution, customers can smoothly and accurately submit applications for target businesses of financial institutions through the target application, providing a data basis for subsequent order generation and processing.

[0098] Optionally, after decrypting the encrypted order number using the decrypted random key to obtain the decrypted order number of the business order, the method further includes: obtaining target information of the business order based on the decrypted order number of the business order, wherein the target information includes at least: a scanned copy or electronic photo of the target customer's identity document, facial recognition data, electronic signature, contact information, target business and process.

[0099] Optionally, after the target teller receives the decrypted order number, it is used as a query parameter, and the system quickly locates the corresponding business order from the database, thereby obtaining all the target information of the target order for the target teller to quickly process subsequent business. Among them, the target information at least includes the target customer's identity certificate, facial recognition data, electronic signature, contact information, the type and specific requirements of the target business, and the process required for the target business processing. If the target business involves remittance business, the target information of the business order should also include: the name of the payee, the name of the receiving institution, the receiving account number, and the purpose of the remittance; if the target business involves the opening of a large-value certificate of deposit, the target information of the business order should also include: deposit products, deposit amount, deposit term, etc.; if the target business involves a large-value cash withdrawal business, the target information of the business order should also include: withdrawal account, withdrawal amount, etc.; if the target business involves a physical currency exchange business, the target information of the business order should also include: the original exchange currency, the target exchange currency, the number of currencies, etc.; this is not limited in this application.

[0100] Through the above technical solution, the on-site workload of business processing is reduced, the teller business processing time is shortened, and the efficiency of business processing of financial institutions is improved.

[0101] 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.

[0102] Example 2

[0103] The embodiment of the present application also provides a business processing device of a financial institution. It should be noted that the business processing device of a financial institution in the embodiment of the present application can be used to execute the business processing method for a financial institution provided in the embodiment of the present application. The business processing device of a financial institution provided in the embodiment of the present application is introduced below.

[0104] According to an embodiment of the present application, a device for implementing the business processing method of the above-mentioned financial institution is also provided, such as Figure 8 As shown, the device includes: a first acquisition unit 801, a second acquisition unit 802, a generation unit 803, and a sending unit 804.

[0105] Specifically, the first acquisition unit 801 is used to determine the target business to be handled by the target customer; the second acquisition unit 802 is used to obtain the target information of the target customer based on the target business; the generation unit 803 is used to generate a business order when it is detected that the target customer confirms the target business and target information; the sending unit 804 is used to obtain the order number of the business order, and send the order number to the target teller of the financial institution to provide information for the target teller to handle the target business.

[0106] The business processing device of the financial institution provided in the embodiment of the present application determines the target business to be handled by the target customer through the first acquisition unit 801; the second acquisition unit 802 acquires the target information of the target customer according to the target business; the generation unit 803 generates a business order when it is detected that the target customer confirms the target business and target information; the sending unit 804 acquires the order number of the business order, and sends the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, thereby solving the problem in the related technology that when customers go to the outlets of the financial institution to handle business, they rely on the tellers to handle them one by one, which takes a long time to handle and leads to low business handling efficiency, thereby achieving the technical effect of reducing the workload of the tellers in on-site business handling, shortening the handling time, and improving the business handling efficiency.

[0107] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the second acquisition unit 802 includes: an acquisition module, used to determine the information channel for the target customer to trigger the handling of the target business; a first judgment module, used to collect the target information of the target customer through the target application if the information channel is the target application; and a second judgment module, used to collect the target information of the target customer through the branch terminal device if the information channel is the branch terminal device of the financial institution.

[0108] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the second judgment module includes: a first acquisition sub-module, which acquires the operating status information of the intelligent robot in the financial institution, and determines the target intelligent robot that is idle based on the operating status information of the intelligent robot; a second acquisition sub-module, which acquires the business process and rule library corresponding to the target business through the database of the financial institution; and a first collection sub-module, in which the target intelligent robot guides the target customer to operate in the branch terminal device according to the business process and rule library, thereby collecting the target information of the target customer through the branch terminal device.

[0109] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the device also includes: a first encryption unit, which generates a random key, and uses the random key and an encryption algorithm to encrypt the order number of the business order to obtain an encrypted order number; a second encryption unit, which obtains the financial institution system public key, and uses the financial institution system public key and an asymmetric encryption algorithm to encrypt the random key to obtain an encrypted random key.

[0110] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the device also includes: a third acquisition unit, which acquires the financial institution system private key and the encrypted random key when it detects that the target teller of the financial institution enters the encrypted order number for inquiry; a first decryption unit, which uses the financial institution system private key to decrypt the encrypted random key to obtain a decrypted random key; and a second decryption unit, which uses the decrypted random key to decrypt the encrypted order number to obtain the decrypted order number of the business order.

[0111] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the first judgment module also includes: a third acquisition sub-module, which acquires at least one business module associated with the target business in the target application; a display module, which displays at least one business module in the target application; and a second collection sub-module, which collects target information of the target customer by receiving the target customer's operations on at least one business module.

[0112] Optionally, in the business processing device of the financial institution provided in the embodiment of the present application, the device further includes: a fourth acquisition unit, which acquires target information of the business order according to the order number of the decrypted business order.

[0113] It should be noted that the first acquisition unit 801, the second acquisition unit 802, the generation unit 803, and the sending unit 804 correspond to steps S201 to S204 in Example 1, and the examples and application scenarios implemented by the above-mentioned unit modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned Example 1. It should be noted that the above-mentioned modules or 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-mentioned modules can also be run in the computer terminal 10 provided in Example 1 as part of the device.

[0114] Example 3

[0115] An embodiment of the present application may provide an electronic device, Fig. 9 is a structural block diagram of an electronic device according to an embodiment of the present application. Fig. 9 As shown, the electronic device may include: one or more ( Fig. 9 (only one is shown) processor 902, memory 904, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0116] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and 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 method. 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 may 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.

[0117] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the target business to be handled by the target customer; obtain the target information of the target customer based on the target business; generate a business order when it is detected that the target customer confirms the target business and target information; obtain the order number of the business order, and send the order number to the target teller of the financial institution to provide information for the target teller to handle the target business.

[0118] The processor can also call the information and applications stored in the memory through the transmission device to perform the following steps: obtaining the target information of the target customer based on the target business includes: determining the information channel through which the target customer triggers the handling of the target business; if the information channel is the target application, collecting the target information of the target customer through the target application; if the information channel is the branch terminal equipment of the financial institution, collecting the target information of the target customer through the branch terminal equipment.

[0119] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: If the information channel is a branch terminal device of a financial institution, collecting target information of target customers through the branch terminal device includes: obtaining the operating status information of the intelligent robot in the financial institution, and determining the idle target intelligent robot based on the operating status information of the intelligent robot; obtaining the business process and rule library corresponding to the target business through the database of the financial institution; the target intelligent robot guides the target customer to operate on the branch terminal device according to the business process and rule library, thereby collecting the target information of the target customer through the branch terminal device.

[0120] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: when it is detected that the target customer confirms the target business and target information, after generating a business order, the method also includes: generating a random key, using the random key and encryption algorithm to encrypt the order number of the business order to obtain the encrypted order number; obtaining the financial institution system public key, using the financial institution system public key and an asymmetric encryption algorithm to encrypt the random key to obtain the encrypted random key.

[0121] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtaining the order number of the business order, sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, the method also includes: when it is detected that the target teller of the financial institution enters the encrypted order number for inquiry, obtaining the financial institution system private key and the encrypted random key; using the financial institution system private key to decrypt the encrypted random key to obtain the decrypted random key; using the decrypted random key to decrypt the encrypted order number to obtain the decrypted order number of the business order.

[0122] The processor can also call the information and applications stored in the memory through the transmission device to perform the following steps: if the information channel is a target application, collecting the target information of the target customer through the target application includes: obtaining at least one business module associated with the target business in the target application; displaying at least one business module in the target application; and collecting the target information of the target customer by receiving the target customer's operations on at least one business module.

[0123] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: use the decrypted random key to decrypt the encrypted order number to obtain the decrypted order number of the business order. The method also includes: based on the decrypted order number of the business order, obtaining the target information of the business order, wherein the target information includes at least: a scanned copy or electronic photo of the target customer's identity document, facial recognition data, electronic signature, contact information, target business and process.

[0124] By adopting the embodiment of the present application, a solution for business processing of a financial institution is provided. By determining the target business to be handled by the target customer; obtaining the target information of the target customer based on the target business; generating a business order when detecting that the target customer confirms the target business and target information; obtaining the order number of the business order, and sending the order number to the target teller of the financial institution to provide information for the target teller to handle the target business, the problem that when customers go to the outlets of the financial institution to handle business, they rely on the teller to handle it one by one, which takes a long time and leads to low business handling efficiency is solved. In this application, the business information that can be collected in advance during the business handling process is collected by the customer filling in and submitting it on the terminal device, and a business order is generated and the order number is sent to the teller of the financial institution. The teller can quickly obtain the business information required by the customer to handle the business based on the order number, which reduces the workload of on-site business handling for the teller and shortens the handling time, thereby achieving the technical effect of improving business handling efficiency.

[0125] It can be understood by those skilled in the art that Fig. 9 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, or other terminal devices. Fig. 9 The structure of the electronic device is not limited. Fig. 9 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Fig. 9 Different configurations shown.

[0126] 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.

[0127] Example 4

[0128] 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 business processing of the financial institution provided in the first embodiment.

[0129] 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.

[0130] 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 business processing method of a financial institution.

[0131] 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.

[0132] 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.

[0133] 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.

[0134] 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.

[0135] 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.

[0136] 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, in essence, 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, a server or a 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 optical disk and other media that can store program codes.

[0137] 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 business processing method of a financial institution, characterized in that: include: Determine the target business to be handled by target customers; Acquiring target information of the target customer according to the target business; When it is detected that the target customer confirms the target business and the target information, a business order is generated; The order number of the business order is obtained, and the order number is sent to a target teller of a financial institution to provide information for the target teller to process the target business.

2. The method according to claim 1, characterized in that Acquiring target information of the target customer according to the target business includes: Determine the information channel for the target customer to trigger the processing of the target business; If the information channel is a target application, collecting target information of the target customer through the target application; If the information channel is a branch terminal device of a financial institution, the target information of the target customer is collected through the branch terminal device.

3. The method according to claim 2, characterized in that If the information channel is a branch terminal device of a financial institution, collecting the target information of the target customer through the branch terminal device includes: Acquire the operation status information of the intelligent robot in the financial institution, and determine the target intelligent robot that is idle according to the operation status information of the intelligent robot; Obtaining the business process and rule base corresponding to the target business through the database of the financial institution; The target intelligent robot guides the target customer to operate on the branch terminal device according to the business process and the rule base, thereby collecting the target information of the target customer through the branch terminal device.

4. The method according to claim 1, characterized in that In the case where it is detected that the target customer confirms the target business and the target information, after generating a business order, the method further includes: Generate a random key, and use the random key and an encryption algorithm to encrypt the order number of the business order to obtain an encrypted order number; Obtain a financial institution system public key, and use the financial institution system public key and an asymmetric encryption algorithm to encrypt the random key to obtain an encrypted random key.

5. The method according to claim 4, characterized in that After obtaining the order number of the business order and sending the order number to a target teller of a financial institution to provide information for the target teller to process the target business, the method further includes: When detecting that the target teller of the financial institution inputs the encrypted order number for inquiry, obtaining the financial institution system private key and the encrypted random key; Decrypting the encrypted random key using the financial institution system private key to obtain a decrypted random key; The encrypted order number is decrypted using the decrypted random key to obtain the decrypted order number of the business order.

6. The method according to claim 2, characterized in that If the information channel is a target application, collecting target information of the target customer through the target application includes: Acquire at least one business module associated with the target business in the target application; Displaying the at least one business module in the target application; By receiving the operation of the target customer on the at least one business module, target information of the target customer is collected.

7. The method according to claim 5, characterized in that After decrypting the encrypted order number using the decrypted random key to obtain the decrypted order number of the business order, the method further includes: According to the decrypted order number of the business order, the target information of the business order is obtained, wherein the target information at least includes: a scanned copy of the identity card or an electronic photo of the target customer, facial recognition data, an electronic signature, contact information, target business and process.

8. A business processing device of a financial institution, characterized in that: include: A first acquisition unit is used to determine the target business to be handled by the target customer; A second acquisition unit, configured to acquire target information of the target customer according to the target business; A generating unit, configured to generate a business order when it is detected that the target customer confirms the target business and the target information; The sending unit is used to obtain the order number of the business order and send the order number to a target teller of a financial institution to provide information for the target teller to process the target business.

9. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the business processing method of a financial institution as described in any one of claims 1 to 7.

10. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the steps of the business processing method of a financial institution as described in any one of claims 1 to 7 are implemented.

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