Intelligent account opening method and device based on question and answer type process and electronic equipment

Abstract

The invention discloses an intelligent account opening method and device based on a question and answer mode process and electronic equipment, and relates to the technical field of financial information. The method comprises the following steps: collecting account opening information step by step by adopting question and answer type man-machine interaction; recording the account opening progress, the state of each step and the updated timestamp according to the completion condition of each step; the interrupted account opening process is completed in a breakpoint continuous opening mode; after all the steps are completed, an account opening application form is automatically generated and sent to a background for auditing; and after the audit is passed, a notification of account opening success and a subsequent account use guide are sent to the user. According to the method, the experience feeling of the user in the account opening process is improved through a simple and clear question and answer type interaction mode; seamless connection and breakpoint continuous opening functions of an account opening process are realized, and total account opening time consumption is shortened; the workload of customer service staff is reduced, risks caused by manual misoperation are reduced, and financial institutions are assisted to achieve overall improvement of customer service quality and operation management level.

Description

Technical Field

[0001] The present invention relates to the field of financial information technology, and in particular to an intelligent account opening method, device and electronic equipment based on a question-and-answer process. Background Art

[0002] At present, when users open an account online at a bank, they not only have to manually fill out various forms with a lot of information, but also a lot of information is repeated on different forms, and users need to fill it out repeatedly; after filling out all the forms, they need to perform multiple operation steps such as bank card binding to complete the entire account opening process. Therefore, the existing online account opening process is complicated and the steps are cumbersome. Moreover, during the account opening process, if any step fails or is interrupted by an accident or the information is entered incorrectly, the user needs to start the operation again. This not only makes the user experience poor, but also leads to low account opening efficiency. Summary of the invention

[0003] In order to solve the problems existing in the prior art, the present invention provides the following technical solutions.

[0004] The first aspect of the present invention provides an intelligent account opening method based on a question-and-answer process, comprising: Arrange and combine all account opening steps to generate multiple account opening step paths, calculate the account opening efficiency index of each account opening step path, and take the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; Collect account opening information in steps using question-and-answer human-computer interaction; Record the account opening progress, status of each step and updated timestamp based on the completion of each step; Use breakpoint resumption to complete the interrupted account opening process; After all steps are completed, an account opening application form will be automatically generated and sent to the backend for review; after the review is passed, a notification of successful account opening and subsequent account usage guidelines will be sent to the user.

[0005] Preferably, the stepwise collection of account opening information by question-and-answer human-computer interaction includes: It uses question-and-answer human-computer interaction to obtain the user's ID card photo, and uses OCR technology to automatically identify and extract key information on the ID card, display it to the user for verification, and conduct online verification and real-name verification on the confirmed information; After the real-name verification is passed, the user's occupation, address and / or mobile phone number information is collected through question-and-answer human-computer interaction; Use question-and-answer human-computer interaction to collect users' bank card information.

[0006] Preferably, the recording of the account opening progress, the status of each step and the updated timestamp according to the completion status of each step includes: Create a user guidance process schedule to record the account opening progress, the status of each step and the updated timestamp; the fields of the user guidance process schedule include progress, user ID, step name, step status and step updated timestamp; Before the account opening process starts, insert a record for the user in the user guidance process schedule and initialize the status of all steps to incomplete; After the account opening process is started, for completed steps, the status of the step is recorded as completed, and the account opening progress is updated to the step and the timestamp of the step is updated; for interrupted steps, the status of the step is recorded as incomplete, and the account opening progress is updated to the step and the timestamp of the step is updated.

[0007] Preferably, in the user guidance process schedule, a record is established for each user, in which the account opening progress, user identification, step name, step status and step update timestamp are recorded; wherein, there are multiple step names, and each step name corresponds to a record of the step status and step update timestamp; the account opening progress is updated in real time according to the completion status of the step.

[0008] Preferably, the step names include: identity card information entry, additional information entry and bank card binding, and the step statuses include: completed and uncompleted.

[0009] Preferably, the method of completing the interrupted account opening process by resuming the account opening at a breakpoint includes: When the account opening process is interrupted, the current progress is automatically saved; When the interrupted account opening process is restarted, the user ID is used to query and jump directly to the interruption point, displaying the information that has been successfully entered before the interruption point, and executing subsequent steps from the interruption point.

[0010] Preferably, the smart account opening method further includes: For failed operations, provide clear error prompts and guide users to solve the problem; after the problem is solved, guide users to continue the operation from the failed node; The step name is updated in the user guidance process schedule.

[0011] Preferably, an optimal account opening step function is set to calculate the account opening efficiency index of each account opening step path, specifically: .

[0012] in, For users No. The account opening efficiency index of the account opening steps, The first Account opening steps, For the The second weight of the account opening step, is the total number of account opening steps, For the Steps to open an account In time degree of completion at the time of No. Steps In time Completion , specifically: .

[0013] in, The estimated completion time for the account opening steps, is the current time of the account opening step, The start time of the account opening procedure.

[0014] A second aspect of the present invention provides an intelligent account opening device based on a question-and-answer process, comprising: The account opening step dynamic adjustment module is used to arrange and combine all account opening steps to generate multiple account opening step paths, calculate the account opening efficiency index of each account opening step path, and use the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; An account opening information collection module is used to collect account opening information in steps using a question-and-answer style human-computer interaction; The recording module is used to record the account opening progress, the status of each step and the updated timestamp according to the completion of each step; The breakpoint-resume module is used to complete the interrupted account opening process by breakpoint-resume method; The application form generation module is used to automatically generate an account opening application form and send it to the background for review after all steps are completed; after the review is passed, a notification of successful account opening and subsequent account usage guidelines will be sent to the user.

[0015] The third aspect of the present invention provides an electronic device, comprising a processor and a memory connected to the processor, wherein the memory stores a plurality of instructions, which can be loaded and executed by the processor so that the processor can execute the intelligent account opening method based on the question-and-answer process as described in the first aspect.

[0016] The beneficial effects of the present invention are as follows: the intelligent account opening method, device and electronic device based on the question-and-answer process provided by the embodiment of the present invention adopts question-and-answer human-computer interaction, guides and completes the entire account opening process by means of natural language dialogue with the user, and adds a breakpoint resumption method to comprehensively improve the user experience and account opening efficiency. The scheme provided by the present invention can not only simplify the interactive experience: adopt natural language processing technology and intelligent dialogue mode to build a personalized and friendly question-and-answer interactive interface, guide users to gradually complete the entry of information required for account opening, and greatly reduce the user's operating difficulty and time cost; it can also realize the breakpoint resumption function: design and implement a set of effective data storage and process management mechanisms, so that when users encounter interruptions or failures in the account opening process, they can continue from the position they left last time, without having to repeatedly fill in the information that has been successfully submitted, significantly improving the consistency and efficiency of account opening. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 This is a flow chart of the intelligent account opening method based on the question-and-answer process of the present invention; Figure 2 This is a functional structure diagram of the intelligent account opening device based on the question-and-answer process described in the present invention. DETAILED DESCRIPTION

[0018] In order to better understand the above technical solution, the above technical solution will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0019] The method provided by the present invention can be implemented in the following terminal environment, and the terminal may include one or more of the following components: a processor, a memory, and a display screen. The memory stores at least one instruction, and the instruction is loaded and executed by the processor to implement the method described in the following embodiment.

[0020] The processor may include one or more processing cores. The processor uses various interfaces and lines to connect various parts of the entire terminal, and executes various functions of the terminal and processes data by running or executing instructions, programs, code sets or instruction sets stored in the memory, and calling data stored in the memory.

[0021] The memory may include random access memory (RAM) or read-only memory (ROM). The memory may be used to store instructions, programs, codes, code sets or instructions.

[0022] The display screen is used to display the user interface of each application.

[0023] In addition, those skilled in the art can understand that the structure of the above terminal does not constitute a limitation on the terminal, and the terminal may include more or fewer components, or combine certain components, or arrange the components differently. For example, the terminal also includes components such as a radio frequency circuit, an input unit, a sensor, an audio circuit, and a power supply, which will not be described in detail here.

[0024] Embodiment 1 like Figure 1 As shown, an embodiment of the present invention provides an intelligent account opening method based on a question-and-answer process, including: S101, arranging and combining all account opening steps to generate multiple account opening step paths, calculating the account opening efficiency index of each account opening step path, and taking the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; S102, collecting account opening information step by step using question-and-answer human-computer interaction; S103, recording the account opening progress, the status of each step and the updated timestamp according to the completion status of each step; S104, completing the interrupted account opening process by breakpoint resumption; S105, after all steps are completed, automatically generating an account opening application form and sending it to the background for review; after the review is passed, sending a notification of successful account opening and a subsequent account usage guide to the user.

[0025] In actual application, before executing S101, the user is usually required to download the bank's APP, register, enter the user name and password, and then guide the user to enter the new user account opening process. That is, the method provided by the present invention is used to complete the intelligent account opening.

[0026] Among them, in S102, the step-by-step collection of account opening information by using question-and-answer human-computer interaction includes: obtaining the user's ID card photo by using question-and-answer human-computer interaction, and automatically identifying and extracting key information on the ID card by using OCR (Optical Character Recognition) technology, displaying it to the user for verification and confirmation, and conducting online verification and real-name verification on the confirmed information; after the real-name verification is passed, collecting the user's occupation, address and / or mobile phone number information by using question-and-answer human-computer interaction; and collecting the user's bank card information by using question-and-answer human-computer interaction. In a specific example, the following method can be used to complete the collection of account opening information. ID card information collection: The dialogue mode can be started to guide the user to upload photos of the front and back of the ID card. Then, the key information on the ID card, including the document number, the start date of issuance and the issuing authority, is automatically identified and extracted by using OCR technology, and displayed to the user for verification and confirmation. After confirmation, the online verification is automatically called to compare the account opening photo, the ID card photo and the online public security database photo, and the user's real-name verification is performed. After the real-name verification is passed, the user's occupation, address, mobile phone number and other information can be further asked. For example, when asked "Please enter your occupation", the user can directly reply "My occupation is an engineer" in natural language, and the user's occupation will be automatically identified and parsed. Next, continue to guide the user to enter the bank card information, but at this time, if the user finds that he has forgotten to bring the bank card. He is prompted to complete other steps first and then enter the account opening process again after the bank card is ready.

[0027] Specifically, in S101, in order to make the user's account opening process more efficient and friendly, and to adapt to the interactive behaviors of different users, this embodiment designs a dynamic adjustment scheme for the account opening steps, dynamically adjusts the order between the account opening steps, thereby improving the account opening efficiency, as shown below: Calculate the Account Opening Efficiency Index , specifically: .

[0028] in, For time Time User Account opening efficiency index, is the total number of account opening steps, For the The first weight of the account opening step, For the Steps to open an account In time The degree of completion, is the weight of the account opening resistance factor, For time Time User Account opening resistance factor.

[0029] No. Steps In time Completion , specifically: .

[0030] in, The estimated completion time for the account opening steps, is the current time of the account opening step, is the start time of the account opening step, where the subscript , and It only serves to distinguish and has no other practical meaning.

[0031] time Time User Account opening resistance factor , specifically: .

[0032] in, For the Steps to open an account The difficulty coefficient of each account opening step is taken as the difficulty coefficient of each account opening step (the higher the value, the more challenging the step is for the user), and the average time taken by historical users in each account opening step is taken as the difficulty coefficient of each account opening step.

[0033] When the time Time User Account opening efficiency index When the efficiency is lower than the preset threshold, guidance information on account opening steps is provided to the user, wherein the guidance information includes: sample pictures, operation instructions, etc.

[0034] Set the optimal account opening step function for dynamically adjusting the account opening steps, and calculate the account opening efficiency index of each account opening step path, specifically: Generate a set of optional account opening step paths based on the permutations and combinations of all account opening steps , each account opening step path is a set of different account opening step execution orders, for example: Default account opening steps: identity verification → bank card binding → occupation information filling → account settings; Account opening steps Path 1: Fill in occupation information → Account settings → Identity verification → Bank card binding; Account opening step 2: Account settings → Identity verification → Bank card binding → Occupation information filling; The account opening efficiency index of each account opening step path is calculated through the optimal account opening step function, specifically: .

[0035] in, For users No. The account opening efficiency index of the account opening steps, The first Account opening steps, For the The second weight of the account opening step.

[0036] The highest account opening efficiency index in the account opening step path set The corresponding account opening step path is used as the user's final account opening step path, thereby improving the user's account opening efficiency.

[0037] As shown in the following table, the dynamic adjustment scheme of the account opening steps in this embodiment can significantly improve indicators such as user account opening time and success rate.

[0038] index Existing solutions This solution (after optimization) Account opening time 5-10 minutes 3-8 minutes (reduced by about 20-30%) Account opening success rate 85% 95% User experience rating 3.5 / 5 4.7 / 5 Account opening interruption rate 20% 8% In S103, the recording of the account opening progress, the status of each step and the updated timestamp according to the completion of each step may include: creating a user guidance process schedule table for recording the account opening progress, the status of each step and the updated timestamp; the fields of the user guidance process schedule table include progress, user ID, step name, step status and step updated timestamp; before the account opening process is started, insert a record for the user in the user guidance process schedule table, and initialize all step statuses as unfinished; after the account opening process is started, for the completed steps, record the step status as completed, and update the account opening progress to the step and update the timestamp of the step; for the interrupted steps, record the step status as unfinished, and update the account opening progress to the step and update the timestamp of the step. In the user guidance process schedule table, each user has a record, and the record records the account opening progress, user ID, step name, step status and step updated timestamp; wherein, the step name includes multiple, and each step name corresponds to the step status and step updated timestamp; the account opening progress is updated in real time according to the completion of the step. In the present invention, the step names may include: identity card information entry, additional information entry and bank card binding, and the step statuses include: completed and uncompleted.

[0039] Among them, the progress can be automatically incremented according to the completion of each step of information collection, and is used to uniquely identify the progress record of each account opening process. The user ID is used to indicate the user to whom the current account opening record belongs. The step name is used to store the specific step name in the account opening process, such as "ID card information entry" and "bank card binding". The step status is an enumeration type, which contains two values, completed and uncompleted, which respectively indicate whether the status of the step is completed. If it is uncompleted, it means that this step in the account opening process has not been completed; if it is completed, it means that this step in the account opening process has been completed. The timestamp of the step update is used to record the time when this account opening record is created or updated. The default setting is the current time, which is used to track the time point of each account opening information collection step operation. In the specific application process, when the user starts the account opening process, an initial record will be created for the user in the user guidance process progress table, and all steps will be initialized to an unfinished state. After the user completes each step of account opening information collection, such as ID card information entry or bank card binding, the record corresponding to the user will be queried, and the status of the completed step will be updated to "completed". For example, after the user enters the ID card photo, the initial record is updated to "ID card information entry" and the record status is completed. If the user temporarily leaves or the operation is interrupted during the account opening process, the status of this step will be marked as "unfinished" when the user leaves the current step, and the timestamp will be updated to record the interruption time. For example, if the user leaves without entering the bank card information, the status record of the "bank card information entry" step will be marked as "unfinished".

[0040] In S104, the interrupted account opening process is completed by the breakpoint resumption method, including: when the account opening process is interrupted, the current progress is automatically saved; when the interrupted account opening process is restarted, the user identifier is used to query and directly jump to the interruption point, the information successfully entered before the interruption point is displayed, and the subsequent steps are executed from the interruption point. Specifically, it may include: when the account opening process is interrupted due to network problems, input errors or other reasons, the current progress is automatically saved, and the user is prompted to continue later. The next time the user re-enters the account opening process, the unfinished step of the last account opening is queried by the user identifier, and the step is directly jumped to, and the information successfully entered before is displayed, so that the user only needs to complete the remaining part. When the user re-enters the account opening process, the latest progress is first read from the user guidance process schedule (displayed by the step name), and then automatically jumps to the last interrupted step (the step with the latest progress displayed) to continue to complete the account opening process. For example, in S103, if the user leaves without entering the bank card information, the status record of the "bank card information entry" step is marked as "unfinished". In this scenario, it will jump directly to the "Enter bank card information" step and guide the user to continue from this step to complete the subsequent account opening process such as entering bank card information. New account opening steps may be added as business needs change or processes are optimized. When adding new steps, the step names in the user guidance process schedule need to be updated synchronously. For example, if a new "Fill in the risk assessment questionnaire" step is added, a record needs to be inserted into the table to track the status of the new step and the updated timestamp.

[0041] In an embodiment of the present invention, for failed operations, such as bank card binding failure, a clear error prompt will be provided, and the user will be guided on how to solve the problem. After the problem is solved, the user is guided to continue the operation from the failed node. For example, after the user enters the bank card, UnionPay or NetsUnion performs the element verification of the bank card of another bank to verify the consistency of the bank card number, reserved mobile phone number, name, and ID number. If the verification fails, a prompt will be given, such as: the bank card is inconsistent with the reserved mobile phone number, please confirm whether the card number is correct or confirm whether the entered mobile phone number is the bank's reserved mobile phone number.

[0042] Execute S105. After all the information collection steps are completed, an account opening application form is automatically generated and sent to the backend for review. After the review is passed, a notification of successful account opening and subsequent account usage guide are sent to the user. The account opening process ends and the account opening is successfully completed.

[0043] The above-mentioned intelligent account opening method based on the question-and-answer process can achieve the following effects: 1) Improved user experience: Through a concise and clear question-and-answer interactive method, the user experience in the account opening process is greatly improved, and the user's troubles and abandonment of account opening due to complex operations are reduced. 2) Improved account opening efficiency: The seamless connection and breakpoint resumption function of the account opening process are realized, which effectively shortens the total time for account opening, improves the success rate of a single user completing the account opening task and the overall business processing efficiency. 3) Business operation optimization: Reduce the workload of customer service personnel, allowing them to focus more on high-value service support work, while also reducing the risks caused by manual operation errors, helping financial institutions to achieve an overall improvement in customer service quality and operational management level.

[0044] Embodiment 2 like Figure 2 As shown, another aspect of the present invention also includes a functional module architecture that is consistent with the aforementioned method flow, that is, an embodiment of the present invention further provides an intelligent account opening device based on a question-and-answer process, including: an account opening step dynamic adjustment module 201, used to arrange and combine all account opening steps, generate multiple account opening step paths, calculate the account opening efficiency index of each account opening step path, and use the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; an account opening information collection module 202, used to collect account opening information in steps by using question-and-answer human-computer interaction; a recording module 203, used to record the account opening progress, the status of each step and the updated timestamp according to the completion status of each step; a breakpoint resumption module 204, used to complete the interrupted account opening process by using breakpoint resumption; an application form generation module 205, used to automatically generate an account opening application form after all steps are completed and send it to the background for review; after the review is passed, a notification of successful account opening and a subsequent account usage guide are sent to the user.

[0045] Among them, in the account opening information collection module, the account opening information is collected in steps using question-and-answer human-computer interaction, including: using question-and-answer human-computer interaction to obtain the user's ID card photo, and using OCR technology to automatically identify and extract key information on the ID card, displaying it to the user for verification and confirmation, and conducting online verification and real-name verification on the confirmed information; after the real-name verification is passed, using question-and-answer human-computer interaction to collect the user's occupation, address and / or mobile phone number information; using question-and-answer human-computer interaction to collect the user's bank card information.

[0046] Specifically, in the account opening step dynamic adjustment module, in order to make the user's account opening process more efficient and friendly, and to adapt to the interactive behaviors of different users, this embodiment designs a dynamic adjustment scheme for account opening steps, dynamically adjusts the order of account opening steps, thereby improving account opening efficiency, as shown below: Calculate the Account Opening Efficiency Index , specifically: .

[0047] in, For time Time User Account opening efficiency index, is the total number of account opening steps, For the The first weight of the account opening step, For the Steps to open an account In time The degree of completion, is the weight of the account opening resistance factor, For time Time User Account opening resistance factor.

[0048] No. Steps In time Completion , specifically: .

[0049] in, The estimated completion time for the account opening steps, is the current time of the account opening step, is the start time of the account opening step, where the subscript , and It only serves to distinguish and has no other practical meaning.

[0050] time Time User Account opening resistance factor , specifically: .

[0051] in, For the Steps to open an account The difficulty coefficient of each account opening step is taken as the difficulty coefficient of each account opening step (the higher the value, the more challenging the step is for the user), and the average time taken by historical users in each account opening step is taken as the difficulty coefficient of each account opening step.

[0052] When the time Time User Account opening efficiency index When the efficiency is lower than the preset threshold, guidance information on account opening steps is provided to the user, where the guidance information includes: sample pictures, operation instructions, etc.

[0053] Set the optimal account opening step function for dynamically adjusting the account opening steps, and calculate the account opening efficiency index of each account opening step path, specifically: Generate a set of optional account opening step paths based on the permutations and combinations of all account opening steps , each account opening step path is a set of different account opening step execution orders, for example: Default account opening steps: identity verification → bank card binding → occupation information filling → account settings; Account opening steps Path 1: Fill in occupation information → Account settings → Identity verification → Bank card binding; Account opening step 2: Account settings → Identity verification → Bank card binding → Occupation information filling; The account opening efficiency index of each account opening step path is calculated through the optimal account opening step function, specifically: .

[0054] in, For users No. The account opening efficiency index of the account opening steps, The first Account opening steps, For the The second weight of the account opening step.

[0055] The highest account opening efficiency index in the account opening step path set The corresponding account opening step path is used as the user's final account opening step path, thereby improving the user's account opening efficiency.

[0056] As shown in the table below, the dynamic adjustment module for account opening steps in this embodiment significantly improves indicators such as user account opening time and success rate.

[0057] index Existing solutions This solution (after optimization) Account opening time 5-10 minutes 3-8 minutes (reduced by about 20%-30%) Account opening success rate 85% 95% User experience rating 3.5 / 5 4.7 / 5 Account opening interruption rate 20% 8%

[0058] Furthermore, in the recording module, recording the account opening progress, the status of each step and the updated timestamp according to the completion of each step includes: creating a user guidance process schedule table for recording the account opening progress, the status of each step and the updated timestamp; the fields of the user guidance process schedule table include progress, user ID, step name, step status and step updated timestamp; before the account opening process is started, insert a record for the user in the user guidance process schedule table, and initialize all step states as unfinished; after the account opening process is started, for the completed steps, record the step status as completed, and update the account opening progress to the step and update the timestamp of the step; for the interrupted steps, record the step status as unfinished, and update the account opening progress to the step and update the timestamp of the step. In the user guidance process schedule table, each user has a record, in which the account opening progress, user ID, step name, step status and step updated timestamp are recorded; in which the step name includes multiple, and each step name corresponds to the step status and step updated timestamp; the account opening progress is updated in real time according to the completion of the step. The step names include: ID card information entry, additional information entry and bank card binding, and the step statuses include: completed and uncompleted.

[0059] Furthermore, in the breakpoint resume module, the interrupted account opening process is completed by the breakpoint resume method, including: when the account opening process is interrupted, the current progress is automatically saved; when the interrupted account opening process is restarted, the user identifier is used to query and jump directly to the interruption point, and the information that has been successfully entered before the interruption point is displayed, and subsequent steps are executed from the interruption point.

[0060] Furthermore, the intelligent account opening device also includes: an exception handling and updating module, which is used to provide clear error prompts for failed operations and guide users to solve them; after the problem is solved, guide users to continue the operation from the failed node; and update the names of the aforementioned steps in the user guidance process schedule.

[0061] The device can be implemented through the intelligent account opening method based on the question-and-answer process provided in the above-mentioned embodiment 1. The specific implementation method can be found in the description in the embodiment 1 and will not be repeated here.

[0062] The present invention also provides a memory storing a plurality of instructions for implementing the intelligent account opening method based on the question-and-answer process as in the first embodiment.

[0063] The present invention also provides an electronic device, including a processor and a memory connected to the processor, the memory storing a plurality of instructions, the instructions being loaded and executed by the processor so that the processor can execute an intelligent account opening method based on a question-and-answer process as in Example 1.

[0064] Although preferred embodiments of the present invention have been described, additional changes and modifications may be made to these embodiments by those skilled in the art once the basic inventive concepts are known. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention. Obviously, those skilled in the art may make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. An intelligent account opening method based on a question-and-answer process, characterized in that: include: Arrange and combine all account opening steps to generate multiple account opening step paths, calculate the account opening efficiency index of each account opening step path, and take the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; Based on the final account opening steps, collect account opening information step by step using question-and-answer human-computer interaction; Record the account opening progress, status of each step and updated timestamp according to the completion of each step in the final account opening step path; Use breakpoint resumption to complete the interrupted account opening process; After all steps in the final account opening path are completed, an account opening application form will be automatically generated and sent to the backend for review; after the review is passed, a notification of successful account opening and subsequent account usage guidelines will be sent to the user.

2. The intelligent account opening method based on the question-and-answer process as claimed in claim 1, characterized in that: The step-by-step method of collecting account opening information by using question-and-answer human-computer interaction includes: It uses question-and-answer human-computer interaction to obtain the user's ID card photo, and uses OCR technology to automatically identify and extract key information on the ID card, display it to the user for verification, and conduct online verification and real-name verification on the confirmed information; After the real-name verification is passed, the user's occupation, address and / or mobile phone number information is collected through question-and-answer human-computer interaction; Use question-and-answer human-computer interaction to collect users' bank card information.

3. The intelligent account opening method based on the question-and-answer process as claimed in claim 1, characterized in that: The recording of the account opening progress, the status of each step and the updated timestamp according to the completion status of each step in the final account opening step path includes: Create a user guidance process schedule to record the account opening progress, the status of each step and the updated timestamp; the fields of the user guidance process schedule include progress, user ID, step name, step status and step updated timestamp; Before the account opening process starts, insert a record for the user in the user guidance process schedule and initialize the status of all steps to incomplete; After the account opening process is started, for completed steps, the status of the step is recorded as completed, and the account opening progress is updated to the step and the timestamp of the step is updated; for interrupted steps, the status of the step is recorded as incomplete, and the account opening progress is updated to the step and the timestamp of the step is updated.

4. The intelligent account opening method based on the question-and-answer process as claimed in claim 3, characterized in that: In the user guidance process schedule, a record is established for each user, in which the account opening progress, user identification, step name, step status and step update timestamp are recorded; wherein, there are multiple step names, and each step name corresponds to a record of the step status and step update timestamp; the account opening progress is updated in real time according to the completion status of the steps.

5. The intelligent account opening method based on question-and-answer process as claimed in claim 3, characterized in that: The step names include: ID card information entry, additional information entry and bank card binding, and the step statuses include: completed and uncompleted.

6. The intelligent account opening method based on the question-and-answer process as claimed in claim 1, characterized in that: The interrupted account opening process of completing the interrupted account opening by breakpoint resumption includes: When the account opening process is interrupted, the current progress is automatically saved; When the interrupted account opening process is restarted, the user ID is used to query and jump directly to the interruption point, displaying the information that has been successfully entered before the interruption point, and executing subsequent steps from the interruption point.

7. The intelligent account opening method based on question-answering process as claimed in claim 3, characterized in that: The intelligent account opening method further includes: For failed operations, provide clear error prompts and guide users to solve the problem; after the problem is solved, guide users to continue the operation from the failed node; The step name is updated in the user guidance process schedule.

8. The intelligent account opening method based on question-answering process as claimed in claim 1, characterized in that: Set the optimal account opening step function and calculate the account opening efficiency index of each account opening step path, specifically: ； in, For users No. The account opening efficiency index of the account opening steps, The first Account opening steps, For the The second weight of the account opening step, is the total number of account opening steps, For the Steps to open an account In time degree of completion at the time of No. Steps In time Completion , specifically: ； in, The estimated completion time for the account opening steps, is the current time of the account opening step, The start time of the account opening procedure.

9. An intelligent account opening device based on a question-and-answer process, characterized in that: include: The account opening step dynamic adjustment module is used to arrange and combine all account opening steps to generate multiple account opening step paths, calculate the account opening efficiency index of each account opening step path, and use the account opening step path corresponding to the highest account opening efficiency index as the user's final account opening step path; An account opening information collection module is used to collect account opening information in steps using question-and-answer human-computer interaction based on the final account opening step path; The recording module is used to record the account opening progress, the status of each step and the updated timestamp according to the completion of each step in the final account opening step path; The breakpoint-resume module is used to complete the interrupted account opening process by breakpoint-resume method; The application form generation module is used to automatically generate an account opening application form and send it to the background for review after all steps in the final account opening path are completed; after the review is passed, a notification of successful account opening and subsequent account usage guidelines will be sent to the user.

10. An electronic device, characterized in that: It includes a processor and a memory connected to the processor, wherein the memory stores a plurality of instructions, and the instructions can be loaded and executed by the processor, so that the processor can execute the intelligent account opening method based on the question-and-answer process as described in any one of claims 1-8.

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