An intelligent account opening method, device and electronic device based on a question-and-answer process

Abstract

The present invention discloses an intelligent account opening method, device and electronic device based on a question-and-answer process, which relates to the field of financial information technology. The method includes: collecting account opening information by using a question-and-answer human-computer interaction step by step; recording the account opening progress, the status of each step and the updated timestamp according to the completion of each step; completing the interrupted account opening process in a resume-from-break manner; 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 subsequent account usage guidelines to the user. The present invention improves the user experience during the account opening process through a simple and clear question-and-answer interaction method; realizes the seamless connection and resume-from-break function of the account opening process, shortening the total time-consuming of account opening; reduces the workload of customer service personnel, reduces the risks caused by manual operation errors, and helps financial institutions to achieve an overall improvement in 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 device based on a question-and-answer process. Background Art

[0002] At present, when a user opens an account online in a bank, not only does the user have to manually fill in various forms with a large amount of information, but also a lot of information appears repeatedly on different forms, and the user needs to fill it in repeatedly; after filling in all the forms, multiple operation steps such as bank card binding are required to complete the entire account opening process. Therefore, the existing online account opening process is complex for users to operate and has cumbersome steps. Moreover, during the account opening process, if any one of the steps fails to operate, is interrupted accidentally, or there is an error in information entry, the user needs to start over. This not only results in a poor user experience but also 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] In the first aspect of the present invention, an intelligent account opening method based on a question-and-answer process is provided, including:

[0005] 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;

[0006] Collect account opening information step by step by using a question-and-answer human-computer interaction;

[0007] Record the account opening progress, the status of each step, and the updated timestamp according to the completion of each step;

[0008] Complete the interrupted account opening process in a way of resuming from the breakpoint;

[0009] After all steps are completed, automatically generate an account opening application form and send it to the background for review; after the review is passed, send a notification of successful account opening and a subsequent account usage guide to the user.

[0010] Preferably, the collecting account opening information step by step by using a question-and-answer human-computer interaction includes:

[0011] Obtain the user's ID card photo by using a question-and-answer human-computer interaction, automatically identify and extract the key information on the ID card by using OCR technology, display it to the user for verification and confirmation, and conduct an online verification and real-name verification on the confirmed information;

[0012] After the real-name verification is passed, collect the user's occupation, address, and / or mobile phone number information by using a question-and-answer human-computer interaction;

[0013] Collect the user's bank card information through a question-and-answer human-computer interaction.

[0014] Preferably, the recording of the account opening progress, the status of each step, and the updated timestamp according to the completion of each step includes:

[0015] Create a user guidance process schedule for recording the account opening progress, the status of each step, and the updated timestamp; the fields of the user guidance process schedule include progress, user identification, step name, step status, and step updated timestamp;

[0016] 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 as not completed;

[0017] After the account opening process starts, for the completed steps, record the status of the step as completed, update the account opening progress to this step at the same time, and update the timestamp of this step; for the interrupted steps, record the status of the step as not completed, update the account opening progress to this step at the same time, and update the timestamp of this step.

[0018] Preferably, in the user guidance process schedule, a record is established for each user, and the account opening progress, user identification, step name, step status, and step updated timestamp are recorded in this record; among them, there are multiple step names, and the step status and step updated timestamp are recorded corresponding to each step name; the account opening progress is updated in real time according to the completion of the steps.

[0019] Preferably, the step names include: ID card information entry, additional information entry, and bank card binding, and the step status includes: completed and not completed.

[0020] Preferably, the method of completing the interrupted account opening process by resuming from the breakpoint includes:

[0021] When the account opening process is interrupted, automatically save the current progress;

[0022] When the interrupted account opening process restarts, query through the user identification and directly jump to the breakpoint, display the information that has been successfully entered before the breakpoint, and execute the subsequent steps starting from the breakpoint.

[0023] Preferably, the intelligent account opening method further includes:

[0024] For failed operations, provide clear error prompts and guide the user to solve them; after the problem is solved, guide the user to continue the operation from the failed node;

[0025] Update the step name in the user guidance process schedule.

[0026] Preferably, an optimal account opening step function is set to calculate the account opening efficiency index for each account opening step path, specifically:

[0027] .

[0028] Among them, is the account opening efficiency index of the th account opening step path of the user, is the th account opening step path in the set of account opening step paths, is the second weight of the th account opening step, is the total number of account opening steps, is the completion degree of the th account opening step at time ; The completion degree of the

[0029] th step at time is , specifically: .

[0030] .

[0031] Among them, is the estimated completion time of the account opening step, is the current time of the account opening step, is the start time of the account opening step.

[0032] The second aspect of the present invention provides an intelligent account opening device based on a question-and-answer process, including:

[0033] An account opening step dynamic adjustment module, which is used to permute 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 final account opening step path of the user;

[0034] An account opening information collection module, which is used to collect account opening information step by step through question-and-answer human-computer interaction;

[0035] A recording module, which is used to record the account opening progress, the status of each step, and the updated timestamp according to the completion status of each step;

[0036] A breakpoint resumption module, which is used to complete the interrupted account opening process in a breakpoint resumption manner;

[0037] An application form generation module, which 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 notice of successful account opening and subsequent account usage guidelines are sent to the user.

[0038] The third aspect of the present invention provides an electronic device, including a processor and a memory connected to the processor. The memory stores multiple 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 Q&A process as described in the first aspect.

[0039] The beneficial effects of the present invention are as follows: The intelligent account opening method, device and electronic device based on the Q&A process provided by the embodiments of the present invention adopt Q&A-based human-computer interaction, and guide and complete the entire account opening process by means of natural language dialogue with users. At the same time, the method of resuming account opening from a breakpoint is added to comprehensively improve the user experience and account opening efficiency. By adopting the solution provided by the present invention, not only can the interaction experience be simplified: by using natural language processing technology and intelligent dialogue mode, a personalized and friendly Q&A-based interaction interface is constructed to guide users to gradually complete the entry of information required for account opening, greatly reducing the operation difficulty and time cost of users; but also the function of resuming account opening from a breakpoint can be realized: by designing and implementing an effective data storage and process management mechanism, when users encounter interruptions or failures during the account opening process, they can continue from the position where they left last time without having to repeat the information that has been successfully submitted, significantly improving the coherence and efficiency of account opening. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] Figure 1 It is a schematic flow chart of the intelligent account opening method based on the Q&A process according to the present invention;

[0041] Figure 2 It is a schematic functional structure diagram of the intelligent account opening device based on the Q&A process according to the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0042] In order to better understand the above technical solutions, the above technical solutions will be described in detail below in conjunction with the accompanying drawings of the specification and specific embodiments.

[0043] The method provided by the present invention can be implemented in the following terminal environment. The terminal may include one or more of the following components: a processor, a memory, and a display screen. Among them, at least one instruction is stored in the memory, and the instruction is loaded and executed by the processor to implement the method described in the following embodiments.

[0044] The processor may include one or more processing cores. The processor connects various parts within the entire terminal using various interfaces and circuits, 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 by invoking data stored in the memory.

[0045] The memory may include a Random Access Memory (RAM), and may also include a Read-Only Memory (ROM). The memory can be used to store instructions, programs, code, code sets, or instructions.

[0046] The display screen is used to display the user interfaces of various applications.

[0047] In addition, those skilled in the art can understand that the structure of the above terminal does not constitute a limitation on the terminal. The terminal may include more or fewer components, or combine certain components, or have different component arrangements. 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 elaborated here.

[0048] Embodiment 1

[0049] As Figure 1 shown, an intelligent account opening method based on a question-and-answer process provided by an embodiment of the present invention includes: 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 a 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 of each step; S104, completing the interrupted account opening process in a way of resuming from the breakpoint; S105, automatically generating an account opening application form and sending it to the background for review after all steps are completed; after the review is passed, sending a notice of successful account opening and a subsequent account usage guide to the user.

[0050] In practical applications, before executing S101, usually the user needs to download the bank's APP, then register, enter the username and password, and then guide the user into the new user account opening process. That is, the intelligent account opening is completed using the method provided by the present invention.

[0051] Among them, in S102, the step-by-step collection of account opening information through question-and-answer human-computer interaction includes: obtaining the user's ID card photo through question-and-answer human-computer interaction, and using OCR (Optical Character Recognition) technology to automatically identify and extract the key information on the ID card, presenting 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 passes, collecting the user's occupation, address, and / or mobile phone number information through question-and-answer human-computer interaction; collecting the user's bank card information through 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 the front and back photos of the ID card. Then, use OCR technology to automatically identify and extract the key information on the ID card, including the ID number, issue start date, and issuing authority, etc., and at the same time present it to the user for verification and confirmation. After confirmation, automatically call the online verification to compare the account opening photo, ID card photo, and the photo in the online public security database to conduct real-name verification on the user. After the real-name verification passes, the user's occupation, address, and mobile phone number information can be further queried. For example, when asking "Please enter your occupation", the user can directly reply in the form of natural language "My occupation is an engineer", and the user's occupation will be automatically identified and parsed. Next, continue to guide the user to enter the bank card information. However, at this time, if the user finds that he has forgotten to bring the bank card, prompt him that he can first complete other steps and then enter the account opening process again when he is ready with the bank card.

[0052] Specifically, in S101, in order to make the user's account opening process more efficient and friendly, and at the same time adapt to the interaction behaviors of different users, this embodiment designs a dynamic adjustment scheme for account opening steps to dynamically adjust the order between account opening steps, thereby improving the account opening efficiency, as follows:

[0053] Calculate the account opening efficiency index , specifically:

[0054] .

[0055] Among them, is the time when the user 's account opening efficiency index, is the total number of account opening steps, is the first weight of the th account opening step, is the th account opening step at the time of completion, is the weight of the account opening resistance factor, is the time when the user The account opening resistance factor.

[0056] The th step At time The completion degree , specifically:

[0057] .

[0058] Among them, Is the estimated completion time of the account opening step, Is the current time of the account opening step, Is the start time of the account opening step, where the subscript , And Only serves to distinguish and has no other actual meaning.

[0059] Time When the user The account opening resistance factor , specifically:

[0060] .

[0061] Among them, Is the th account opening step The difficulty coefficient (the higher the value, the greater the challenge of this step to the user). The average time used by historical users in each account opening step is used as the difficulty coefficient of each account opening step.

[0062] When the time When the user The account opening efficiency index Is lower than the preset efficiency threshold, provide guidance information for the account opening steps of the user, where the guidance information includes: example pictures, operation guides, etc.

[0063] 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:

[0064] Generate a series of optional account opening step path sets according to the permutations and combinations of all account opening steps , each account opening step path is a set of different execution orders of account opening steps, for example:

[0065] Default account opening step path: Identity verification → Bank card binding → Occupation information filling → Account setting;

[0066] Account opening step path 1: Occupation information filling → Account setting → Identity verification → Bank card binding;

[0067] Account opening step path 2: Account settings → Identity verification → Bank card binding → Occupation information filling;

[0068] Through the optimal account opening step function, calculate the account opening efficiency index for each account opening step path, specifically:

[0069] 。

[0070] Among them, is the account opening efficiency index of the th account opening step path of the user, where is the th account opening step path in the set of account opening step paths, is the second weight of the th account opening step.

[0071] Take the account opening step path corresponding to the highest account opening efficiency index in the set of account opening step paths as the user's final account opening step path, thereby improving the user's account opening efficiency.

[0072] As shown in the following table, through the account opening step dynamic adjustment scheme of this embodiment, indicators such as the user's account opening time and success rate can be significantly improved.

[0073] Indicator Existing solution This solution (after optimization) Account opening time 5 - 10 minutes 3 - 8 minutes (reduced by approximately 20 - 30%) Account opening success rate 85% 95% User experience score 3.5 / 5 4.7 / 5 Account opening interruption rate 20% 8%

[0074] 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 progress table for recording the account opening progress, the status of each step, and the updated timestamp; the fields of the user guidance process progress table include progress, user identification, step name, step status, and step update timestamp; before the account opening process starts, insert a record for the user in the user guidance process progress table and initialize the status of all steps as not completed; after the account opening process starts, for the completed steps, record the step status as completed, and at the same time update the account opening progress to this step and update the timestamp of this step; for the interrupted steps, record the step status as not completed and at the same time update the account opening progress to this step and update the timestamp of this step. Among them, in the user guidance process progress table, a record is established for each user, and the account opening progress, user identification, step name, step status, and step update timestamp are recorded in this record; among them, there are multiple step names, and each step name corresponds to a recorded step status and step update timestamp; the account opening progress is updated in real time according to the completion of the steps. In the present invention, the step names may include: ID card information entry, additional information entry, and bank card binding, and the step statuses include: completed and not completed.

[0075] Among them, the progress can be automatically incremented according to the completion status of each step of information collection, and is used to uniquely identify the progress record of each account opening process. The user identification is used to indicate the user to which the current account opening record belongs. The step name is used to store the specific step names in the account opening process, such as "ID card information entry", "bank card binding", etc. The step status is an enumeration type, including two values: completed and uncompleted, which respectively indicate whether the status of this step has been 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 step update is used to record the time when this account opening record is created or updated, and is default set to the current time, which is used to track the time point of each operation of the account opening information collection step. In the specific application process, when the user starts the account opening process, an initial record will be created for this user in the user guidance process progress table, and all steps will be initialized to the uncompleted status. After the user completes each step of account opening information collection, such as ID card information entry or bank card binding, etc., the record corresponding to this 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 will be updated so that the record status of "ID card information entry" is completed. When the user leaves temporarily or the operation is interrupted due to reasons during the account opening process, when the user leaves the current step, the status of this step will be marked as "uncompleted", and at the same time the timestamp will be updated to record the interruption time. For example, if the user leaves after not entering the bank card information, the status record of the "bank card information entry" step will be marked as "uncompleted".

[0076] In S104, the process of resuming an interrupted account opening process by resuming from a breakpoint includes: when the account opening process is interrupted, automatically save the current progress; when the interrupted account opening process is restarted, query through the user identifier and directly jump to the breakpoint, display the information that has been successfully entered before the breakpoint, and execute the subsequent steps starting from the breakpoint. Specifically, it may include: when the account opening process is interrupted due to network problems, input errors, or other reasons, automatically save the current progress and prompt the user that they can continue later. The next time the user re-enters the account opening process, query the steps that were not completed in the previous account opening through the user identifier and directly jump to that step, display the information that has been successfully entered before, and let the user only need to complete the remaining part. When the user re-enters the account opening process, first read their latest progress (displayed by step name) from the user guidance process progress table, and then automatically jump to the step where it was interrupted last time (the step displayed by the latest progress) to continue completing the account opening process. For example, in S103, if the user leaves without entering bank card information, mark the status record of the "bank card information entry" step as "incomplete". Then in this scenario, it will directly jump to the "enter bank card information" step and guide the user to continue the operation from this step to complete subsequent account opening processes such as entering bank card information. As business requirements change or the process is optimized, new account opening steps may be added. When adding new steps, it is necessary to synchronously update the step names in the user guidance process progress table. For example, if a new "risk assessment questionnaire filling" step is added, a record needs to be inserted in this table to track the status of the new step and the updated timestamp.

[0077] In the embodiments of the present invention, for failed operations, such as failed bank card binding, clear error prompts will be provided and the user will be guided on how to solve the problem. After the problem is solved, guide the user to continue the operation from the failed node. For example, after the user enters the bank card, perform element verification of the bank card of another bank through UnionPay or NetsUnion, verify the consistency of the bank card number, reserved mobile phone number, name, and ID number. After 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 whether the entered mobile phone number is the bank-reserved mobile phone number.

[0078] Execute S105. After all the information collection steps are completed, an account opening application form will be automatically generated and sent to the background for review. After the review is passed, a notice of successful account opening and subsequent account usage guides will be sent to the user. The account opening process ends and the account opening is successfully completed.

[0079] By adopting the above intelligent account opening method based on the Q&A process, the following effects can be achieved: 1) Improved user experience: Through a simple and clear Q&A interaction method, the user experience during the account opening process has been greatly improved, reducing the troubles caused by complex operations and the situation of users abandoning account opening. 2) Increased account opening efficiency: The seamless connection and breakpoint resumption functions of the account opening process have been realized, effectively shortening the total time required for account opening, and improving the success rate of a single user to complete the account opening task and the overall business processing efficiency. 3) Optimized business operation: Reduced the workload of customer service personnel, enabling them to focus more on high-value service support work. At the same time, it also reduces the risks caused by manual operation errors, helping financial institutions to achieve an overall improvement in customer service quality and operation management level.

[0080] Embodiment 2

[0081] As Figure 2 shown, another aspect of the present invention further includes a functional module architecture corresponding to the foregoing method flow. That is, the embodiment of the present invention also provides an intelligent account opening device based on the Q&A process, including: an account opening step dynamic adjustment module 201, configured 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 final account opening step path of the user; an account opening information collection module 202, configured to collect account opening information step by step by using a Q&A human-computer interaction; a recording module 203, configured to record the account opening progress, the status of each step, and the updated time stamp according to the completion status of each step; a breakpoint resumption module 204, configured to complete the interrupted account opening process in a breakpoint resumption manner; an application form generation module 205, configured 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, send a notice of successful account opening and subsequent account usage guidelines to the user.

[0082] Among them, in the account opening information collection module, collecting account opening information step by step by using a Q&A human-computer interaction includes: obtaining the user's ID card photo by using a Q&A human-computer interaction, automatically identifying and extracting the key information on the ID card by using OCR technology, displaying it to the user for verification and confirmation, and performing 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 a Q&A human-computer interaction; collecting the user's bank card information by using a Q&A human-computer interaction.

[0083] Specifically, in the account opening step dynamic adjustment module, in order to make the user's account opening process more efficient and friendly, and at the same time adapt to the interaction behaviors of different users, this embodiment designs an account opening step dynamic adjustment scheme to dynamically adjust the order between account opening steps, so as to improve the account opening efficiency, as specifically shown below:

[0084] Calculate the account opening efficiency index , specifically:

[0085] .

[0086] Among them, is the time when the user 's account opening efficiency index, is the total number of account opening steps, is the first weight of the th account opening step, is the th account opening step 's completion degree at time , is the weight of the account opening resistance factor, is the time when the user 's account opening resistance factor.

[0087] The th step 's completion degree at time , specifically: , specifically:

[0088] .

[0089] Among them, is the estimated completion time of the account opening step, is the current time of the account opening step, is the start time of the account opening step, where the subscripts , and only serve to distinguish and have no other actual meaning.

[0090] The account opening resistance factor of the user at time , specifically:

[0091] .

[0092] Among them, is the th account opening step 's difficulty coefficient (the higher the value, the greater the challenge of this step to the user). The average time used by historical users in each account opening step is used as the difficulty coefficient of each account opening step.

[0093] When the time the user 's account opening efficiency index When the efficiency is lower than the preset efficiency threshold, provide the user with guiding information on the account opening steps, where the guiding information includes: example pictures, operation guides, etc.

[0094] Set an optimal account opening step function for dynamically adjusting the account opening steps, and calculate the account opening efficiency index for each account opening step path, specifically:

[0095] Generate a series of optional account opening step path sets according to the permutations and combinations of all account opening steps , and each account opening step path is a set of different account opening step execution orders. For example:

[0096] Default account opening step path: Identity verification → Bank card binding → Occupation information filling → Account settings;

[0097] Account opening step path 1: Occupation information filling → Account settings → Identity verification → Bank card binding;

[0098] Account opening step path 2: Account settings → Identity verification → Bank card binding → Occupation information filling;

[0099] Through the optimal account opening step function, calculate the account opening efficiency index for each account opening step path, specifically:

[0100] .

[0101] Among them, is the account opening efficiency index of the th account opening step path for the user, is the th account opening step path in the account opening step path set, is the second weight of the th account opening step.

[0102] Take the account opening step path corresponding to the highest account opening efficiency index in the account opening step path set as the user's final account opening step path, so as to improve the user's account opening efficiency.

[0103] As shown in the following table, through the account opening step dynamic adjustment module of this embodiment, indicators such as the user's account opening time and success rate are significantly improved.

[0104]

[0104] Indicator Existing solution This solution (after optimization) Account opening time 5 - 10 minutes 3 - 8 minutes (reduced by approximately 20% - 30%) Account opening success rate 85% 95% User experience score 3.5 / 5 4.7 / 5 Account opening interruption rate 20% 8%

[0105] Further, in the recording module, the account opening progress, the status of each step, and the updated timestamp are recorded according to the completion status of each step, including: creating a user guidance process schedule for recording the account opening progress, the status of each step, and the updated timestamp; the fields of the user guidance process schedule include progress, user identification, step name, step status, and the timestamp of step update; before the account opening process starts, a record is inserted for the user in the user guidance process schedule, and all step statuses are initialized to incomplete; after the account opening process starts, for the completed steps, record the status of the step as completed, update the account opening progress to this step at the same time, and update the timestamp of this step; for the interrupted steps, record the status of the step as incomplete, update the account opening progress to this step at the same time, and update the timestamp of this step. Among them, in the user guidance process schedule, a record is established for each user, and the account opening progress, user identification, step name, step status, and the timestamp of step update are recorded in this record; among them, there are multiple step names, and the step status and the timestamp of step update are recorded corresponding to each step name; the account opening progress is updated in real time according to the completion status of the steps. The step names include: ID card information entry, additional information entry, and bank card binding, and the step statuses include: completed and incomplete.

[0106] Further, in the breakpoint resumption module, the interrupted account opening process is completed in the way of breakpoint resumption, including: when the account opening process is interrupted, automatically save the current progress; when the interrupted account opening process is restarted, query through the user identification and directly jump to the breakpoint, display the information that has been successfully entered before the breakpoint, and execute the subsequent steps starting from the breakpoint.

[0107] Further, the intelligent account opening device further includes: an exception handling and updating module, which is used to provide a clear error prompt for failed operations and guide users to solve them; after the problem is solved, guide the user to continue operating from the failed node; update the aforementioned step names in the user guidance process schedule.

[0108] This device can be implemented by 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 referred to the description in Embodiment 1 and will not be elaborated here.

[0109] The present invention also provides a memory, which stores multiple instructions for implementing the intelligent account opening method based on the question-and-answer process as in Embodiment 1.

[0110] The present invention also provides an electronic device, including a processor and a memory connected to the processor. The memory stores multiple 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 in Embodiment 1.

[0111] Although the preferred embodiments of the present invention have been described, additional changes and modifications can be made to these embodiments by those skilled in the art once they learn of the basic creative concept. Therefore, the appended claims are intended to be construed to include the preferred embodiments as well as all changes and modifications that fall within the scope of the present invention. Obviously, those skilled in the art can make various changes and variations 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 equivalent technologies, 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, Including: Arrange and combine all account opening steps to generate multiple account opening step paths, calculate the account opening efficiency index for 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; Among them, set an optimal account opening step function to calculate the account opening efficiency index for each account opening step path, specifically: ； Among them, is the account opening efficiency index of the th account opening step path for the user, is the th account opening step path in the set of account opening step paths, is the second weight of the th account opening step, is the total number of account opening steps, is the th account opening step at time when the completion degree; The th step at time completion degree , specifically: ； Among them, is the estimated completion time of the account opening step, is the current time of the account opening step, is the start time of the account opening step; Based on the final account opening step path, collect account opening information step by step using a question-and-answer human-computer interaction. Among them, when it is found that the user encounters resistance in a certain step, provide guiding information for the account opening steps to the user; Record 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; Complete the interrupted account opening process in a way of resuming from the breakpoint; After all steps in the final account opening step path are completed, automatically generate an account opening application form and send it to the background for review; after the review is passed, send a notice of successful account opening and a subsequent account usage guide to the user.

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

3. The intelligent account opening method based on a question-and-answer process according to claim 1, wherein, The recording 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 progress table for recording the account opening progress, the status of each step, and the updated timestamp; the fields of the user guidance process progress table include progress, user identification, step name, step status, and step update timestamp; Before the account opening process starts, insert a record for the user in the user guidance process progress table and initialize the status of all steps as not completed; After the account opening process starts, for the completed steps, record the status of the step as completed, and at the same time update the account opening progress to this step and update the timestamp of this step; for the interrupted steps, record the status of the step as not completed and at the same time update the account opening progress to this step and update the timestamp of this step.

4. The intelligent account opening method based on a question-and-answer process according to claim 3, wherein In the user guidance process progress table, each user has a record, and in this record, the account opening progress, user identification, step name, step status, and step update timestamp are recorded; among them, there are multiple step names, and for each step name, the step status and step update timestamp are correspondingly recorded; 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 a question-and-answer process according to claim 3, wherein The step names include: ID card information entry, additional information entry, and bank card binding, and the step status includes: completed and not completed.

6. The intelligent account opening method based on a question-and-answer process according to claim 1, wherein The completing the interrupted account opening process in a way of resuming from the breakpoint includes: When the account opening process is interrupted, automatically save the current progress; When the interrupted account opening process restarts, query and directly jump to the breakpoint through the user identification, display the information that has been successfully entered before the breakpoint, and execute the subsequent steps starting from the breakpoint.

7. The intelligent account opening method based on the Q&A process according to claim 3, wherein, The intelligent account opening method further includes: For failed operations, provide clear error messages and guide users to solve the problems. After the problems are solved, guide users to continue the operation from the failed node. Update the step names in the user guidance process schedule.

8. An intelligent account opening device based on a question-and-answer process, characterized in that, It includes: An account opening step dynamic adjustment module, which is used to permute 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. Among them, an optimal account opening step function is set to calculate the account opening efficiency index of each account opening step path. Specifically: ； Among them, is the account opening efficiency index of the th account opening step path for the user, is the th account opening step path in the set of account opening step paths, is the second weight of the th account opening step, is the total number of account opening steps, is the th account opening step at time ; the degree of completion The th step at time completion degree , specifically: ； Among them, is the estimated completion time of the account opening step, is the current time of the account opening step, is the start time of the account opening step; An account opening information collection module, which is used to collect account opening information step by step through a question-and-answer type of human-computer interaction based on the final account opening step path. Among them, when it is found that the user encounters resistance in a certain step, guidance information for the account opening step is provided to the user. A recording module, which is used to record 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. A breakpoint resumption module, which is used to complete the interrupted account opening process in the way of breakpoint resumption. An application form generation module, which 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 step path are completed. After the review is passed, a notice of successful account opening and subsequent account usage guidelines are sent to the user.

9. An electronic device, characterized in that, It includes a processor and a memory connected to the processor. The memory stores multiple 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 according to any one of claims 1-7.

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