Service approval method and device based on abstract

Abstract

The invention provides a business approval method and device based on an abstract, is applied to the technical field of data processing, and is used for improving the efficiency and accuracy of form approval. The method comprises the steps of receiving a service request of a user; in response to the service request, displaying a first form field needing to be filled in to the user; receiving information of the first form field input by the user, generating an approval form according to the information of the first form field, and generating an approval process of the approval form according to the first business; generating an abstract according to the approval form and the approval process; the abstract is used for assisting each examination and approval node in the examination and approval process to carry out examination and approval work; the abstract comprises key decision points, potential risks and suggested measures of the approval form; and sending the examination and approval form and the abstract to each examination and approval node according to the examination and approval process.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a summary-based business approval method and device. Background Art

[0002] In enterprise management, the form approval process is one of the key technologies to ensure efficient and standardized operation of business processes. With the expansion of enterprise scale and the complexity of business processes, the traditional form approval method faces many challenges, such as inefficient process communication, subjective misjudgment at approval nodes, and inaccurate process information transmission.

[0003] In view of this, how to improve the efficiency and accuracy of form approval is a technical problem that needs to be solved urgently. Summary of the invention

[0004] The present application provides a summary-based business approval method and device for improving the efficiency and accuracy of form approval.

[0005] In a first aspect, an embodiment of the present application provides a summary-based service approval method, which can be applied to any electronic device with processing capabilities, and the method includes:

[0006] receiving a service request from a user, the service request being used to indicate application for a first service; and in response to the service request, displaying to the user a first form field that needs to be filled in;

[0007] Receive information of the first form field input by the user, generate an approval form according to the information of the first form field, and generate an approval process of the approval form according to the first business;

[0008] Generate a summary based on the approval form and approval process; the summary is used to assist the approval work at each approval node in the approval process; the summary includes the key decision points, potential risks and suggested measures of the approval form; the key decision points are used to indicate the necessary form fields for applying for the first business; the potential risks are used to predict the user's execution of the first business; the suggested measures are used to recommend approval suggestions for the approval form to each approval node;

[0009] Send the approval form and summary to each approval node according to the approval process.

[0010] In this solution, an approval process is automatically generated based on the first business applied for by the user. The user does not need to set the approval process, which reduces the complexity of the process for users to apply for the first business, standardizes the approval process, and thus improves the efficiency of form approval; a summary is generated based on the approval form and the approval process, and the summary includes key decision points, potential risks and recommended measures, which can help each approval node quickly and comprehensively understand the content, risks and suggestions of the approval form, thereby improving the efficiency and accuracy of form approval.

[0011] Optionally, the business request includes a user's identity identifier; displaying the first form field that needs to be filled in to the user includes: obtaining the user's identity information based on the user's identity identifier, and matching the corresponding form template from a preset form template library based on the identity information and the first business; querying the user's historical business application records and the second form field recorded in the identity information, the second form field belongs to the corresponding form template, and obtaining information of the second form field; determining the form fields other than the second form fields in the corresponding form template as first form fields, and displaying the first form fields to the user.

[0012] Optionally, displaying the first form field that needs to be filled in to the user also includes: querying the filling method corresponding to the first form field from a preset knowledge base according to the first form field, and generating auxiliary information according to the filling method; the auxiliary information is used to help the user correctly fill in the information of the first form field; and displaying the first form field and the auxiliary information to the user.

[0013] Optionally, an approval form is generated based on the information in the first form field, including: checking whether the information in the first form field and the information in the second form field comply with the format standard based on preset format rules, and formatting the information in the form fields that do not comply with the format standard; checking whether the information in the first form field and the information in the second form field meet the requirements for applying for a first business based on preset logical rules, marking the form fields that do not comply with the preset logical rules and feeding back to the user, and receiving the information in the form fields that comply with the preset logical rules input by the user; and generating an approval form based on the information in the first form field and the information in the second form field that have passed the verification.

[0014] Optionally, a summary is generated based on the approval form and the approval process, including: filtering out necessary form fields for applying for the first business from the approval form, and generating key decision points based on the necessary form fields; evaluating the user's ability based on the information in the approval form and the user's identity information, and predicting the user's execution of the first business based on the user's ability and requirements to be met when applying for the first business, to obtain potential risks; and generating recommended measures for each approval node based on the potential risks and the business functions of each approval node in the approval process.

[0015] Optionally, based on potential risks and the business functions of each approval node in the approval process, recommended measures are generated for each approval node, including: feasibility scoring of the approval form based on the potential risks, and setting the approval opinion to not recommend approval for approval forms with feasibility scores lower than a preset score, otherwise, setting the approval opinion to recommend approval; based on potential risks and the business functions of each approval node, important approval fields and important approval nodes are generated; important approval fields are used to indicate form fields that meet the requirements for applying for the first business but the difference between the requirements is less than a preset difference; important approval nodes are used to indicate approval nodes with the highest business relevance to important approval fields; based on potential risks, restriction conditions are generated, and the restriction conditions are used to limit the user's authority to the first business; based on at least one of the approval opinion, important approval fields, important approval nodes and restriction conditions, recommended measures are generated.

[0016] In a second aspect, an embodiment of the present application provides a summary-based service approval device, including:

[0017] The transceiver module is used to: receive a service request from a user, the service request is used to indicate application for a first service; in response to the service request, display a first form field to be filled in to the user; and receive information of the first form field input by the user;

[0018] The processing module is used to: generate an approval form according to the information of the first form field, and generate an approval process of the approval form according to the first business; generate a summary according to the approval form and the approval process; the summary is used to assist each approval node in the approval process to perform approval work; the summary includes key decision points, potential risks and suggested measures of the approval form; wherein the key decision points are used to indicate the necessary form fields for applying for the first business; the potential risks are used to predict the user's execution of the first business; and the suggested measures are used to recommend approval suggestions for the approval form to each approval node;

[0019] The sending and receiving module is also used to send the approval form and summary to each approval node according to the approval process.

[0020] Optionally, the business request includes the user's identity identification; when the processing module displays the first form field that needs to be filled in to the user, it is specifically used to: obtain the user's identity information based on the user's identity identification, and match the corresponding form template from a preset form template library based on the identity information and the first business; query the user's historical business application records and the second form field recorded in the identity information, the second form field belongs to the corresponding form template, and obtain the information of the second form field; determine the form fields other than the second form fields in the corresponding form template as the first form fields, and display the first form fields to the user.

[0021] Optionally, when displaying the first form field that needs to be filled in to the user, the processing module is also used to: query the filling method corresponding to the first form field from a preset knowledge base according to the first form field, and generate auxiliary information according to the filling method; the auxiliary information is used to help the user correctly fill in the information of the first form field; and display the first form field and the auxiliary information to the user.

[0022] Optionally, when the processing module generates an approval form based on the information of the first form field, it is specifically used to: check whether the information of the first form field and the information of the second form field conform to the format standard based on preset format rules, and convert the format of the information of the form fields that do not conform to the format standard; check whether the information of the first form field and the information of the second form field meet the requirements for applying for the first business based on preset logical rules, mark the form fields that do not conform to the preset logical rules and feed back to the user, receive the information of the form fields input by the user that conform to the preset logical rules; generate the approval form based on the information of the first form field and the information of the second form field that have passed the verification.

[0023] Optionally, when the processing module generates a summary based on the approval form and the approval process, it is specifically used to: filter out necessary form fields for applying for the first business from the approval form, and generate key decision points based on the necessary form fields; evaluate the user's capabilities based on the information in the approval form and the user's identity information, and predict the user's execution of the first business based on the user's capabilities and requirements that need to be met when applying for the first business, to obtain potential risks; and generate recommended measures for each approval node based on the potential risks and the business functions of each approval node in the approval process.

[0024] Optionally, when the processing module generates recommended measures to each approval node based on potential risks and the business functions of each approval node in the approval process, it is specifically used to: score the feasibility of the approval form based on the potential risks, and set the approval opinion to not recommend approval for the approval form with a feasibility score lower than a preset score, otherwise, set the approval opinion to recommend approval; generate important approval fields and important approval nodes based on potential risks and the business functions of each approval node; the important approval fields are used to indicate the form fields that meet the requirements for applying for the first business but the difference between the requirements is less than a preset difference; the important approval nodes are used to indicate the approval nodes with the highest business relevance to the important approval fields; generate restriction conditions based on potential risks, and the restriction conditions are used to limit the user's authority to the first business; generate recommended measures based on at least one of the approval opinions, important approval fields, important approval nodes and restriction conditions.

[0025] In a third aspect, an embodiment of the present application provides an electronic device, comprising at least one processor, wherein the at least one processor is used to execute a computer program stored in a memory so that a method as in the first aspect or any optional implementation of the first aspect is implemented.

[0026] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which is used to store instructions. When the instructions are executed, the method in the first aspect or any optional implementation of the first aspect is implemented.

[0027] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program code, which, when executed on a computer, enables the method in the first aspect or any optional implementation of the first aspect to be implemented.

[0028] The technical effects or advantages of one or more technical solutions provided in the second, third, fourth and fifth aspects of the embodiments of the present application can be correspondingly explained by the technical effects or advantages of one or more corresponding technical solutions provided in the first aspect. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 A flowchart of a summary-based business approval method provided in an embodiment of the present application;

[0030] Figure 2 An example diagram of an approval process provided for an embodiment of the present application;

[0031] Figure 3 A structural diagram of a summary-based business approval device provided in an embodiment of the present application;

[0032] Figure 4 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0033] In the technical solution of this application, the collection, dissemination, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0034] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0035] The technical solution of the present application is described in detail below through the accompanying drawings and specific embodiments. It should be understood that the embodiments of the present application and the specific features in the embodiments are detailed descriptions of the technical solution of the present application, rather than limitations on the technical solution of the present application. In the absence of conflict, the embodiments of the present application and the technical features in the embodiments can be combined with each other.

[0036] It should be understood that "multiple" in the description of the embodiment of the present application refers to two or more. "First", "second" etc. in the embodiment of the present application are used to distinguish different objects, rather than to describe a specific order. The term "and / or" in the embodiment of the present application is merely a kind of association relationship describing associated objects, indicating that three relationships may exist, for example, A and / or B, which may represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the term "includes" 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 limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. The module in the embodiment of the present application refers to a part with independent functions in a software system.

[0037] In enterprise management, approval process is one of the key technologies to ensure efficient and standardized operation of business processes. With the expansion of enterprise scale and the complexity of business processes, traditional approval process systems face many challenges, such as inefficient process communication, non-standard filling of approval nodes, high content repetitiveness, and inaccurate process information transmission. These problems not only affect the approval efficiency, but may also lead to wrong decisions and waste of resources. In order to solve the above problems, standardized data input such as electronic form systems is usually adopted, that is, fixed approval process templates are used to handle various transactions, or workflow management software is introduced to automate process steps, and database management systems are used to store and query historical approval data. However, due to excessive reliance on static rules and preset fixed process steps, when facing complex or dynamically changing business needs, the flexibility and adaptability are poor, and it is impossible to customize adjustments for changing business scenarios, nor can it respond quickly when facing non-standardized processes or emergencies. And it is necessary to rely on professional technicians to set up the approval process configuration, and there are complex and error-prone configurations. In addition, when users encounter filling errors in the form, only basic error prompts or document guidance can be provided to users, lacking real-time and interactive help. As a result, users need to seek external help when they encounter filling problems, which increases communication costs and reduces efficiency. In the multi-level approval process, senior decision makers can only understand the approval content through documents and forms, and lack an in-depth understanding of the detailed process background. Incomplete information transmission may lead to wrong decisions or delayed approval.

[0038] In view of this, an embodiment of the present application is provided, which receives a business request from a user, obtains a first business requested by the user, determines a first form field that the user needs to fill in, and generates an approval form based on the information in the first form field input by the user, and generates an approval process for the approval form based on the first business. This allows the form process and approval form to be dynamically generated according to the actual needs of the user, with greater flexibility. The approval form and approval process can be standardized to avoid subjective misjudgments caused by users setting their own approval processes, thereby improving the efficiency of form approval. Furthermore, a summary is generated based on the approval form and the approval process, and the summary includes key decision points, potential risks, and suggested measures for the approval form, which can help each approval node in the approval process to quickly and comprehensively understand the content, risks, and suggestions of the approval form, thereby improving the efficiency and accuracy of form approval.

[0039] It can be understood that the embodiments of the present application can be applied to any approval scenario, including but not limited to financial business processing, employee travel, etc.

[0040] See also Figure 1 , is a flowchart of a summary-based business approval method provided in an embodiment of the present application, which can be applied to any electronic device with processing capabilities. Taking the application scenario of a business application at a bank branch as an example, the method specifically includes the following steps S101 to S104:

[0041] S101, receiving a service request from a user; in response to the service request, displaying to the user a first form field that needs to be filled in.

[0042] The service request is used to indicate application for the first service.

[0043] Exemplarily, the embodiment of the present application provides an example of a form field, where the form fields include basic user information, account information, business request, etc.;

[0044] Specifically, the user's basic information may include: name, certificate type, certificate number, contact information, address, position, company, etc.;

[0045] Account information may include: account type, account number, account status, transaction history, etc.;

[0046] The business request may include: business type (such as deposit, withdrawal, transfer, loan application, etc.), expected processing time, special requirements (requirements to be met for different businesses), etc.

[0047] It can be understood that the above are merely examples of form fields and are not limited thereto.

[0048] In a possible embodiment, the service request also includes the user's identity identifier; the specific implementation method of displaying the first form field to be filled in to the user is as follows: Steps S101-1 to S101-3:

[0049] S101-1. Acquire the identity information of the user according to the identity identifier of the user, and match a corresponding form template from a preset form template library according to the identity information and the first service;

[0050] Exemplarily, the user's identity identifier is used to indicate the user's identity, and may be the user's serial number, name, ID number, etc.

[0051] The obtained user identity information may include the user's role and permissions; if the user is an internal employee of the enterprise, the role may be the department and position of the user; if the user is not an internal employee of the enterprise, the role of the user may be the enterprise, position or social identity of the user; the user's permissions may be set according to the user's priority (such as membership level, position level, etc.).

[0052] The preset form template library sets multiple form templates according to preset user roles, permissions and business types, that is, each form template corresponds to different user roles, permissions and business types. Then, when receiving a business request from a user, a corresponding form template can be matched in the preset form template library according to the first business and the identity information of the user (that is, role and permission).

[0053] In this way, the form templates corresponding to the identity information of each business and user can be refined, so that the form fields that the determined users need to fill in are more accurate, thereby improving the accuracy of subsequent form approval.

[0054] It is understandable that the above is only a possible example. In actual applications, the corresponding form template can also be obtained in other ways, such as directly matching the corresponding form template according to the user's identity or the first business, etc.; the embodiment of the present application does not limit this.

[0055] S101-2, querying the second form field recorded in the user's historical service application records and identity information, the second form field belonging to the corresponding form template, and obtaining information of the second form field;

[0056] For example, the information of the form fields existing in the corresponding form template is obtained from the user's historical business application records and identity information; that is, the information of commonly used form fields, such as name, certificate number, position, etc., can be directly obtained from the historical business application records and identity information and automatically filled in. In this way, the user does not need to repeatedly enter the existing information, which reduces the tediousness of user filling and improves the efficiency of form generation.

[0057] Optionally, for any form field in the second form field, if there is only one piece of information corresponding to the any form field in the historical business application record and the identity information, then the information is determined as the information of the any form field; if there are multiple pieces of information corresponding to the any form field in the historical business application record and the identity information, then options for the any form field are generated based on the multiple pieces of information, the options for the any form field are displayed to the user, and the information of the any form field selected by the user is received.

[0058] In this way, the correctness of the information of the automatically generated first form field can be ensured, that is, the accuracy of the approval form information is improved, and the efficiency and accuracy of subsequent form approval can be further improved.

[0059] S101 - 3 . Determine the form fields other than the second form field in the corresponding form template as first form fields, and display the first form fields to the user.

[0060] Optionally, the information of the second form field can also be displayed to the user, and the user can confirm whether the information of the second form field is accurate. If modification is required, the modified information of the second form field entered by the user is received to improve the accuracy of the form and further improve the accuracy of subsequent form approval.

[0061] In a possible example, when displaying the first form field to be filled in to the user, auxiliary information that helps the user to correctly fill in the first form field can also be displayed to the user at the same time. The specific method is as follows:

[0062] According to the first form field, the filling method corresponding to the first form field is queried from the preset knowledge base, and auxiliary information is generated according to the filling method, the auxiliary information is used to help the user correctly fill in the information of the first form field; the first form field and the auxiliary information are displayed to the user.

[0063] Exemplarily, a knowledge base may be created in advance, in which information guiding the filling-in of form fields of various business types is stored.

[0064] Specifically, first configure the information required in the knowledge base, for example: if the business type is account opening, the auxiliary information includes how to fill in personal information, occupational information, contact information, etc.; if the business type is loan application, the auxiliary information includes how to fill in the loan amount, loan purpose, repayment method, etc.; if the business type is deposit business, the auxiliary information includes how to fill in the payee information, remittance amount, remittance purpose, etc.; if the business type is credit card application, the auxiliary information includes how to fill in the payee information, credit history, etc.; if the business type is financial product purchase, the auxiliary information includes how to fill in the investment amount, investment period, risk tolerance, etc.; if the business type is customer information change, the auxiliary information includes: how to fill in the information before and after the change, the reason for the change, etc.; and pre-process this information, such as data cleaning, data formatting, etc.;

[0065] Then, use vector database technology (such as Chroma) to store and index the preprocessed data; create a retriever to retrieve relevant information in the knowledge base; create a large language model (such as GPT-3.5-turbo) to generate filling suggestions based on the retrieved information; integrate the retriever and the large language model to obtain corresponding auxiliary information based on the first form field and the first business.

[0066] In this way, auxiliary information can help users who are unfamiliar with approval forms to clearly understand how to fill in information correctly and in a standardized manner when faced with complex form fields, avoid omissions or filling errors, improve the accuracy of approval form information, and thus improve the efficiency and accuracy of form approval.

[0067] S102: receiving information of a first form field input by a user, generating an approval form according to the information of the first form field, and generating an approval process of the approval form according to a first business.

[0068] Exemplarily, according to the example in the above step S101, the information in the first form field is the information that needs to be filled in by the user, and the information in the second form field is the information automatically generated based on the user's historical business application records and identity information. Therefore, the approval form includes both the information in the first form field and the information in the second form field.

[0069] In a possible example, a specific implementation method of generating an approval form according to the information in the first form field is:

[0070] Checking whether the information of the first form field and the information of the second form field conform to the format standard based on the preset format rule, and converting the format of the information of the form field that does not conform to the format standard;

[0071] Verify whether the information of the first form field and the information of the second form field meet the requirements for applying for the first service based on the preset logical rules, mark the form fields that do not meet the preset logical rules and provide feedback to the user (for example, prompt the user to modify the form fields through a page pop-up window or other communication tool), and receive the information of the form fields that meet the preset logical rules input by the user;

[0072] An approval form is generated based on the information of the first form field and the information of the second form field after verification.

[0073] Exemplarily, the preset format rules may include: the certificate number complies with the national certificate number standard, the telephone number and address comply with the format requirements, etc.;

[0074] The preset logic rules may include: the special requirement fields in the first form field and the second form field meet the requirements for applying for the first business, the account status must be consistent with the transaction history, the transaction amount cannot be plural, etc.

[0075] The above are only some possible examples of rules. In actual applications, they can be set according to actual needs.

[0076] Optionally, the information of the first form field and the information of the second form field may be checked based on the integrity rule, that is, whether the required fields are all filled in completely. The required fields may be set according to actual needs.

[0077] It can be understood that the information verification of the first form field can be to verify the information of all form fields after the user has completed filling in the information of all form fields, or it can be to obtain the form fields filled in by the user in real time, that is, after detecting that the user has completed filling in the information of a form field, the information of the form field is verified. The embodiment of the present application does not limit this.

[0078] In this method, not only the information of the first form field is verified to ensure the standardization and accuracy of the first form field input by the user, but also the information of the second form field is verified to avoid the difference between the format or logic rules of the historical business application record and the current latest format or logic rules, ensure that the information of the form field complies with the current format or logic rules, improve the accuracy and standardization of the approval form information, and thus improve the accuracy of subsequent form approvals; and verifying the form fields based on logical rules can ensure that the generated approval form information meets the requirements of applying for the first business, thereby improving the efficiency of subsequent form approvals.

[0079] In a possible example, a method for generating an approval process for an approval form according to the first business may be to match the approval process according to the first business and the user's identity information or to dynamically generate the approval process, or the user may define the approval process.

[0080] For details, see Figure 2 An example diagram of an approval process provided for an embodiment of the present application.

[0081] like Figure 2 As shown in the figure, the approval process includes process nodes, approval nodes, approval modes and rollback rules. The process nodes include: clarifying the initiating department, confirming the initiating role, selecting the approval method, specific approval node approval, executing subsequent operations and recording the process in detail; the approval nodes include: direct superior approval, professional consultant review and senior management final review; the approval modes include: joint signature mode and or signature mode; the rollback rules include: if the approval is rejected, return to the previous node (that is, return to the confirmation initiating role).

[0082] It can be understood that the above is only an example of a possible approval process. In practice, different approval node types and numbers and rollback rules for each approval node can be set according to scenario requirements, and the embodiments of the present application do not limit this.

[0083] S103. Generate a summary based on the approval form and approval process.

[0084] Among them, the summary is used to assist each approval node in the approval process to perform approval work; the summary includes key decision points, potential risks and suggested measures of the approval form; among them, the key decision points are used to indicate the necessary form fields for applying for the first business; the potential risks are used to predict the user's execution of the first business; and the suggested measures are used to recommend approval suggestions for the approval form to each approval node.

[0085] In a possible embodiment, a specific implementation of step S103 includes the following steps S103-1 to S103-3:

[0086] S103-1: Filter out necessary form fields for applying for the first business from the approval form, and generate key decision points based on the necessary form fields;

[0087] For example, taking the first business as applying for a loan, the key decision points may include whether to approve the loan, the loan amount, interest rate, repayment period, the user's financial situation, etc. If the user is an enterprise, the key decision points also include the enterprise's basic information (such as registration information, legal representative, shareholder structure, etc.), credit status (such as credit record, credit report, historical loans, repayment record, etc.), business status (such as operating years, industry prospects, profitability, upstream and downstream purchase and sales contracts, account business flow, etc.), financial status (such as assets and liabilities, cash flow, financial statements, tax returns, etc.), etc. The key decision points help each approval node quickly understand the key information of the form.

[0088] S103-2, evaluating the user's ability based on the information on the approval form and the user's identity information, predicting the user's execution of the first service based on the user's ability and the requirements to be met in applying for the first service, and obtaining potential risks;

[0089] Exemplarily, continuing to take the first business as applying for a loan business as an example, the ability of the enterprise can be evaluated based on the approval form information and the user's identity information, such as the basic information, credit status, operating conditions, and financial status of the above-mentioned enterprise, and the user's execution of the first business can be predicted based on the enterprise's capabilities and the requirements that need to be met when applying for the first business, that is, the possibility of borrower default, the situation that changes in market interest rates may cause borrowers to have difficulty in repaying, or the loan amount exceeds the borrower's repayment ability, etc., to obtain potential risks.

[0090] S103-3. Generate recommended measures for each approval node based on potential risks and the business functions of each approval node in the approval process.

[0091] In a possible embodiment, the specific implementation of step S103-3 is as follows:

[0092] Feasibility scores are assigned to approval forms based on potential risks. For approval forms with feasibility scores lower than the preset score, the approval opinion is set to "not recommend approval". Otherwise, the approval opinion is set to "recommend approval".

[0093] Generate important approval fields and important approval nodes based on potential risks and the business functions of each approval node; important approval fields are used to indicate form fields that meet the requirements of the first business application but the difference between the requirements and the requirements is less than the preset difference; important approval nodes are used to indicate the approval nodes with the highest business relevance to the important approval fields;

[0094] Generate restriction conditions based on potential risks, and the restriction conditions are used to limit the user's authority over the first business; generate recommended measures based on at least one of the approval opinions, important approval fields, important approval nodes and restriction conditions.

[0095] Exemplarily, the preset score and preset difference can be set according to actual conditions.

[0096] Taking the first business of applying for a loan as an example, the restrictions may include conducting a credit assessment of the borrower, setting a loan cap, providing a fixed interest rate option or requiring a guarantee.

[0097] The above is just a possible example and is not limited to this.

[0098] Optionally, after any approval node completes the approval of the approval form, the summary may be updated to add the approval process and approval result of any approval node, so as to facilitate reference by subsequent approval nodes.

[0099] S104: Send the approval form and summary to each approval node according to the approval process.

[0100] Optionally, after sending the approval form and summary to each approval node according to the approval process, the approval process of each approval node can also be recorded synchronously, including: the operation status of the approval process, the approval time, the approval node pass rate, etc., and an approval process data report can be generated after the approval is completed, which is convenient for users or each approval node to view and analyze.

[0101] In this embodiment, an approval process is automatically generated based on the first business applied for by the user. The user does not need to set the approval process, which can standardize the approval process and reduce the complexity of the process for users to apply for the first business. A summary is generated based on the approval form and the approval process. The summary includes key decision points, potential risks and suggested measures, which can help each approval node quickly and comprehensively understand the content, risks and suggestions of the approval form, thereby improving the efficiency and accuracy of form approval.

[0102] It can be understood that the above embodiments can be used alone or in combination, and the embodiments of the present application do not limit this.

[0103] The method provided by the embodiment of the present application is introduced above, and the device provided by the embodiment of the present application is introduced below.

[0104] Based on the same technical concept, the embodiment of the present application provides a digest-based business approval device, which includes a module / unit / means for executing the method executed by the electronic device in the above method embodiment. The module / unit / means can be implemented by software, or by hardware, or the corresponding software can be implemented by hardware.

[0105] For example, Figure 3 As shown, the device 300 includes:

[0106] The transceiver module 301 is used to: receive a service request from a user, the service request being used to indicate application for a first service; in response to the service request, display a first form field to be filled in to the user; and receive information of the first form field input by the user;

[0107] Processing module 302 is used to: generate an approval form according to the information of the first form field, and generate an approval process of the approval form according to the first business; generate a summary according to the approval form and the approval process; the summary is used to assist each approval node in the approval process to perform approval work; the summary includes key decision points, potential risks and suggested measures of the approval form; wherein the key decision points are used to indicate the necessary form fields for applying for the first business; the potential risks are used to predict the user's execution of the first business; and the suggested measures are used to recommend approval suggestions for the approval form to each approval node;

[0108] The sending and receiving module 301 is also used to send the approval form and summary to each approval node according to the approval process.

[0109] Optionally, the business request includes the user's identity identifier; when the processing module 302 displays the first form field that needs to be filled in to the user, it is specifically used to: obtain the user's identity information based on the user's identity identifier, and match the corresponding form template from a preset form template library based on the identity information and the first business; query the user's historical business application records and the second form field recorded in the identity information, the second form field belongs to the corresponding form template, and obtain the information of the second form field; determine the form fields other than the second form fields in the corresponding form template as the first form fields, and display the first form fields to the user.

[0110] Optionally, when displaying the first form field that needs to be filled in to the user, the processing module 302 is also used to: query the filling method corresponding to the first form field from a preset knowledge base according to the first form field, and generate auxiliary information according to the filling method; the auxiliary information is used to help the user correctly fill in the information of the first form field; and display the first form field and the auxiliary information to the user.

[0111] Optionally, when the processing module 302 generates an approval form based on the information of the first form field, it is specifically used to: check whether the information of the first form field and the information of the second form field comply with the format standard based on preset format rules, and convert the format of the information of the form fields that do not comply with the format standard; check whether the information of the first form field and the information of the second form field meet the requirements for applying for the first business based on preset logical rules, mark the form fields that do not comply with the preset logical rules and feed back to the user, receive the information of the form fields input by the user that comply with the preset logical rules; generate an approval form based on the information of the first form field and the information of the second form field that have passed the verification.

[0112] Optionally, when generating a summary based on the approval form and the approval process, the processing module 302 is specifically used to: filter out necessary form fields for applying for the first business from the approval form, and generate key decision points based on the necessary form fields; evaluate the user's capabilities based on the information in the approval form and the user's identity information, and predict the user's execution of the first business based on the user's capabilities and requirements that need to be met when applying for the first business, to obtain potential risks; and generate recommended measures for each approval node based on the potential risks and the business functions of each approval node in the approval process.

[0113] Optionally, when the processing module 302 generates recommended measures to each approval node according to the potential risks and the business functions of each approval node in the approval process, it is specifically used to: score the feasibility of the approval form according to the potential risks, and set the approval opinion to not recommend approval for the approval form with a feasibility score lower than a preset score, otherwise, set the approval opinion to recommend approval; generate important approval fields and important approval nodes according to the potential risks and the business functions of each approval node; the important approval fields are used to indicate the form fields that meet the requirements for applying for the first business but the difference between the requirements is less than a preset difference; the important approval nodes are used to indicate the approval nodes with the highest business relevance to the important approval fields; generate restriction conditions according to the potential risks, and the restriction conditions are used to limit the user's authority to the first business; generate recommended measures according to at least one of the approval opinions, important approval fields, important approval nodes and restriction conditions.

[0114] It should be understood that all relevant contents of each step involved in the above method embodiment can be referred to the functional description of the corresponding functional module and will not be repeated here.

[0115] Based on the same technical concept, see Figure 4 The embodiment of the present application further provides an electronic device 400, including:

[0116] At least one processor 401; and a communication interface 403 that is communicatively connected to the at least one processor 401; the at least one processor 401 executes instructions stored in the memory 402, so that the electronic device 400 executes the method steps performed by the billboard in the above method embodiment through the communication interface 403.

[0117] Optionally, the memory 402 is located outside the electronic device 400 .

[0118] Optionally, the electronic device 400 includes the memory 402, the memory 402 is connected to the at least one processor 401, and the memory 402 has instructions that can be executed by the at least one processor 401. Figure 4 The dashed lines indicate that the memory 402 is optional for the electronic device 400 .

[0119] The at least one processor 401 and the memory 402 may be coupled via an interface circuit or may be integrated together, which is not limited here.

[0120] The specific connection medium between the at least one processor 401, the memory 402 and the communication interface 403 is not limited in the embodiment of the present application. Figure 4 In the embodiment, at least one processor 401, a memory 402 and a communication interface 403 are connected via a bus 404. Figure 4 The connection between other components is only for schematic illustration and is not intended to be limiting. The bus part may be an address bus, a data bus, a control bus, etc. For ease of representation, Figure 4 It is represented by only one thick line, but it does not mean that there is only one bus or one type of bus.

[0121] It should be understood that the processor mentioned in the embodiments of the present application can be implemented by hardware or by software. When implemented by hardware, the processor can be a logic circuit, an integrated circuit, etc. When implemented by software, the processor can be a general-purpose processor implemented by reading software code stored in a memory.

[0122] Exemplarily, the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0123] It should be understood that the memory mentioned in the embodiments of the present application may be a volatile memory or a non-volatile memory, or may include both a volatile memory and a non-volatile memory. Among them, the non-volatile memory may be a read-only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), or a flash memory. The volatile memory may be a random access memory (RAM), which acts as an external cache. By way of example and not limitation, many forms of RAM are available, such as static random access memory (SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDR SDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link dynamic random access memory (SLDRAM) and direct memory bus random access memory (DirectRambus RAM, DR RAM).

[0124] It should be noted that when the processor is a general-purpose processor, DSP, ASIC, FPGA or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, the memory (storage module) can be integrated into the processor.

[0125] It should be noted that the memory described herein is intended to include, but is not limited to, these and any other suitable types of memory.

[0126] Based on the same technical concept, an embodiment of the present application also provides a computer-readable storage medium, which is used to store instructions. When the instructions are executed, the computer executes the method steps executed by any device in the above method embodiments.

[0127] Based on the same technical concept, an embodiment of the present application also provides a computer program product, including computer program code. When the computer program code is executed on a computer, the method steps executed by any device in the above method embodiment are implemented.

[0128] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0129] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0130] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0131] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0132] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A business approval method based on summary, characterized in that: include: receiving a service request from a user, where the service request is used to indicate application for a first service; In response to the service request, displaying to the user a first form field that needs to be filled in; receiving information of the first form field input by the user, generating an approval form according to the information of the first form field, and generating an approval process of the approval form according to the first business; Generate a summary based on the approval form and the approval process; The summary is used to assist each approval node in the approval process in performing approval work; the summary includes key decision points, potential risks and suggested measures of the approval form; wherein the key decision points are used to indicate necessary form fields for applying for the first service; the potential risks are used to predict the user's execution of the first service; and the suggested measures are used to recommend approval suggestions for the approval form to each approval node; The approval form and the summary are sent to each approval node according to the approval process.

2. The method according to claim 1, characterized in that The business request includes the identity of the user; and the first form field to be filled in is displayed to the user, including: Acquire the identity information of the user according to the identity identifier of the user, and match a corresponding form template from a preset form template library according to the identity information and the first service; Querying the second form field recorded in the historical service application record and identity information of the user, the second form field belonging to the corresponding form template, and obtaining information of the second form field; The form fields other than the second form field in the corresponding form template are determined as the first form fields, and the first form fields are displayed to the user.

3. The method according to claim 2, characterized in that The presenting the first form field to be filled in to the user further includes: According to the first form field, query the filling method corresponding to the first form field from a preset knowledge base, and generate auxiliary information according to the filling method; the auxiliary information is used to help the user correctly fill in the information of the first form field; The first form field and the auxiliary information are presented to the user.

4. The method according to claim 2, characterized in that Generating an approval form according to the information of the first form field includes: Verifying whether the information of the first form field and the information of the second form field conform to the format standard based on a preset format rule, and converting the format of the information of the form field that does not conform to the format standard; Verify whether the information of the first form field and the information of the second form field meet the requirements for applying for the first service based on a preset logical rule, mark the form fields that do not meet the preset logical rule and provide feedback to the user, and receive the information of the form fields that meet the preset logical rule input by the user; The approval form is generated based on the information of the first form field and the information of the second form field after verification.

5. The method according to any one of claims 1 to 4, characterized in that: The generating a summary according to the approval form and the approval process includes: Filtering necessary form fields for applying for the first business from the approval form, and generating the key decision points based on the necessary form fields; Assess the user's ability according to the information of the approval form and the user's identity information, and predict the user's execution of the first service according to the user's ability and the requirements to be met in applying for the first service, so as to obtain the potential risk; According to the potential risks and the business functions of each approval node in the approval process, recommended measures are generated for each approval node.

6. The method according to claim 5, characterized in that Generating recommended measures for each approval node according to the potential risk and the business function of each approval node in the approval process includes: Scoring the feasibility of the approval form according to the potential risk, and setting the approval opinion to not recommend approval for the approval form whose feasibility score is lower than the preset score; otherwise, setting the approval opinion to recommend approval; According to the potential risks and the business functions of the various approval nodes, important approval fields and important approval nodes are generated; the important approval fields are used to indicate form fields that meet the requirements for applying for the first business but the difference between the requirements and the requirements is less than a preset difference; the important approval nodes are used to indicate the approval nodes with the highest business relevance to the important approval fields; generating a restriction condition according to the potential risk, wherein the restriction condition is used to limit the authority of the user to the first service; The suggested measures are generated according to at least one of the approval opinion, the important approval fields, the important approval nodes and the restriction conditions.

7. A summary-based business approval device, characterized in that: include: The transceiver module is used to: accept a service request from a user, where the service request is used to indicate application for a first service; In response to the service request, displaying to the user a first form field that needs to be filled in; and accepting information of the first form field input by the user; A processing module, used to: generate an approval form according to the information of the first form field, and generate an approval process of the approval form according to the first business; and generate a summary according to the approval form and the approval process; The summary is used to assist each approval node in the approval process in performing approval work; the summary includes key decision points, potential risks and suggested measures of the approval form; wherein the key decision points are used to indicate necessary form fields for applying for the first service; the potential risks are used to predict the user's execution of the first service; and the suggested measures are used to recommend approval suggestions for the approval form to each approval node; The transceiver module is further used to send the approval form and the summary to each approval node according to the approval process.

8. The device according to claim 7, characterized in that The generating a summary according to the approval form and the approval process includes: Filtering necessary form fields for applying for the first business from the approval form, and generating the key decision points based on the necessary form fields; Assess the user's ability according to the information of the approval form and the user's identity information, and predict the user's execution of most of the first services according to the user's ability and the requirements to be met in applying for the first services, to obtain the potential risk; According to the potential risks and the business functions of each approval node in the approval process, recommended measures are generated for each approval node.

9. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the steps included in the method according to any one of claims 1 to 6 according to the obtained program instructions.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium is used to have a computer program, and the computer program includes program instructions. When the program instructions are executed by a computer, the method according to any one of claims 1 to 6 is implemented.

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