Financial service processing method and device, storage medium and electronic equipment

Abstract

The invention discloses a financial service processing method and device, a storage medium and electronic equipment. The method relates to the field of financial science and technology, and comprises the steps that target data information corresponding to a target object is determined based on a target card, used for financial transaction, of the target object, and the target data information at least comprises state information corresponding to the target card; according to the target data information, judging whether the target object meets a preset condition for handling a target financial service to be handled by the target object; and under the condition that a preset condition for handling the target financial service to be handled by the target object is met, handling the target financial service. According to the method and the device, the problem that the business handling efficiency is relatively low due to the fact that whether corresponding financial businesses can be handled or not is determined by querying related data of clients based on a manual method in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of fintech, and in particular, to a method and apparatus for processing financial services, a storage medium, and an electronic device. Background Art

[0002] When a customer handles business at a physical branch of a financial institution, the customer mainly focuses on their own demands. For example, the customer needs to handle business such as card cancellation, deposit, and purchase of financial products. In this case, the business staff needs to query the relevant data of the customer according to the financial service demanded by the customer to determine whether the corresponding financial service can be handled. If the business staff directly handles the business according to the customer's demands, there may be a situation where the card cannot currently handle the corresponding business, such as the card not being opened, not being activated, being reported lost, etc., which hinders the business handling. And the method of querying the relevant data of the customer based on manual work to determine whether the corresponding financial service can be handled seriously affects the handling efficiency of financial services.

[0003] Regarding the problem that in the related art, the method of querying the relevant data of the customer based on manual work to determine whether the corresponding financial service can be handled results in a relatively low handling efficiency of the business, no effective solution has been proposed yet. Summary of the Invention

[0004] The main purpose of the present application is to provide a method and apparatus for processing financial services, a storage medium, and an electronic device, so as to solve the problem that in the related art, the method of querying the relevant data of the customer based on manual work to determine whether the corresponding financial service can be handled results in a relatively low handling efficiency of the business.

[0005] To achieve the above object, according to one aspect of the present application, a method for processing financial services is provided. The method includes: determining target data information corresponding to a target object based on a target card used by the target object for financial transactions, where the target data information at least includes status information corresponding to the target card; judging whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information; and handling the target financial service when the preset condition for handling the target financial service to be handled by the target object is met.

[0006] Further, determining target data information corresponding to a target object based on a target card used by the target object for financial transactions includes: identifying the target card to obtain attribute information corresponding to the target card; determining status information corresponding to the target card from a database of a financial institution according to the attribute information; and determining the target data information according to the attribute information and the status information.

[0007] Further, determining the target data information based on the attribute information and the status information includes: identifying the identity document of the target object to obtain the identity information of the target object; determining the credit information of the target object from the database of the financial institution according to the identity information of the target object; and determining the target data information according to the credit information, the attribute information, and the status information.

[0008] Further, determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information includes: obtaining the target service handling conditions of the target financial service; matching the target data information with the target service handling conditions to obtain a matching result; and determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object according to the matching result.

[0009] Further, after determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information, the method further includes: obtaining the service handling conditions corresponding to multiple financial services in the financial institution; matching the target data information with the service handling conditions to determine multiple financial services that can be handled by the target object; and displaying the multiple financial services that can be handled on the operation interface, where the target object handles the multiple financial services that can be handled based on the operation interface.

[0010] Further, after matching the target data information with the service handling conditions, the method further includes: determining multiple financial services that cannot be handled by the target object and the reasons for not being able to handle corresponding to the multiple financial services that cannot be handled according to the target data information and the service handling conditions; determining a solution based on the reasons for not being able to handle; and displaying the multiple financial services that cannot be handled, the reasons for not being able to handle, and the solution on the operation interface.

[0011] Further, before determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information, the method further includes: receiving the description information input by the target object, where the description information is the description information of the target financial service to be handled by the target object; performing intent recognition according to the description information to obtain intent information, and determining multiple initial financial services that match the intent information; performing an interaction process with the target object according to the multiple initial financial services to obtain interaction information; and determining the target financial service from the multiple initial financial services according to the interaction information.

[0012] To achieve the above object, according to another aspect of the present application, there is provided a processing device for financial services. The device includes: a first determination unit configured to determine target data information corresponding to a target object based on a target card used by the target object for financial transactions, where the target data information at least includes status information corresponding to the target card; a judgment unit configured to judge whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information; and a handling unit configured to handle the target financial service when the preset condition for handling the target financial service to be handled by the target object is met.

[0013] Further, the first determination unit includes: an identification subunit configured to identify the target card to obtain attribute information corresponding to the target card; a first determination subunit configured to determine status information corresponding to the target card from a database of a financial institution according to the attribute information; and a second determination subunit configured to determine the target data information according to the attribute information and the status information.

[0014] Further, the second determination subunit includes: an identification module configured to identify an identity document of the target object to obtain identity information of the target object; a first determination module configured to determine credit information of the target object from a database of a financial institution according to the identity information of the target object; and a second determination module configured to determine the target data information according to the credit information, the attribute information, and the status information.

[0015] Further, the judgment unit includes: an acquisition subunit configured to acquire a target service handling condition of the target financial service; a matching subunit configured to match the target data information with the target service handling condition to obtain a matching result; and a judgment subunit configured to judge whether the target object meets a preset condition for handling the target financial service to be handled by the target object according to the matching result.

[0016] Further, the device further includes: an acquisition unit configured to acquire service handling conditions corresponding to a plurality of financial services in a financial institution after judging whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information; a matching unit configured to match the target data information with the service handling conditions to determine a plurality of financial services that can be handled by the target object; and a first display unit configured to display the plurality of financial services that can be handled on an operation interface, where the target object handles the plurality of financial services that can be handled based on the operation interface.

[0017] Further, the device further includes: a second determination unit, configured to, after matching the target data information with the service handling conditions, determine, according to the target data information and the service handling conditions, multiple non-handleable financial services corresponding to the target object and reasons for non-handling corresponding to the multiple non-handleable financial services; a third determination unit, configured to determine a solution based on the reasons for non-handling; and a second display unit, configured to display the multiple non-handleable financial services, the reasons for non-handling, and the solution on an operation interface.

[0018] Further, the device further includes: a receiving unit, configured to receive description information input by the target object before determining whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information, where the description information is description information of the target financial service to be handled by the target object; a determination unit, configured to perform intent recognition according to the description information to obtain intent information, and determine multiple initial financial services matching the intent information; and a processing unit, configured to perform an interaction process with the target object according to the multiple initial financial services to obtain interaction information, and determine the target financial service from the multiple initial financial services according to the interaction information.

[0019] To achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium, where the computer-readable storage medium includes an executable program stored therein, and when the executable program runs, it controls a device where the computer-readable storage medium is located to execute the steps in any one of the above method embodiments.

[0020] To achieve the above object, according to another aspect of the present application, there is also provided an electronic device, including a memory and a processor, where a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0021] In the embodiments of the present application, the following steps are adopted: based on the target card used by the target object for financial transactions, determine the target data information corresponding to the target object, where the target data information at least includes the status information corresponding to the target card; according to the target data information, determine whether the target object meets the preset conditions for handling the target financial service to be handled by the target object; in the case where the preset conditions for handling the target financial service to be handled by the target object are met, the method for handling the target financial service solves the technical problem in the related art that the relevant data of the customer is queried based on the manual method to determine whether the corresponding financial service can be handled, resulting in relatively low efficiency in handling services. In this solution, the corresponding target data information is obtained according to the target card used by the target object for financial transactions, and the target data information is matched with the target financial service to be handled by the target object, so that it can be quickly determined whether the target object meets the preset conditions for handling the target financial service to be handled by the target object, avoiding querying the relevant data of the customer by the manual method to determine whether the corresponding financial service can be handled, and thus achieving the improvement of the efficiency of handling financial services. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The drawings forming a part of this application are used to provide a further understanding of this application. The schematic embodiments of this application and their descriptions are used to explain this application and do not constitute an improper limitation of this application. In the drawings:

[0023] Figure 1 is a block diagram of the hardware structure of a computer terminal for implementing the method for handling financial services according to an embodiment of this application;

[0024] Figure 2 is a flowchart of the method for handling financial services according to an embodiment of this application Figure 1 ;

[0025] Figure 3 is a schematic diagram of an operation interface according to an embodiment of this application;

[0026] Figure 4 is a flowchart of the method for handling financial services according to an embodiment of this application Figure 2 ;

[0027] Figure 5 is a flowchart of the method for handling financial services according to an embodiment of this application Figure 3 ;

[0028] Figure 6 is a schematic diagram of the device for handling financial services according to an embodiment of this application;

[0029] Figure 7 is a block diagram of the structure of an electronic device according to an embodiment of this application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0030] In order to enable those skilled in the art to better understand the solution of this application, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this application. Obviously, the described embodiments are only a part of the embodiments of this application, rather than all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0031] It should be noted that the terms "first", "second", etc. in the description and claims of this application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily need to describe a specific order or sequence. It should be understood that such data used can be interchanged under appropriate circumstances so that the embodiments of this application described here can be implemented in an order different from those illustrated or described here. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device that includes a series of steps or units does not necessarily need to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0032] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. And the processing of relevant data such as collection, storage, use, processing, transmission, provision, disclosure and application all comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set between this system and relevant users or institutions to provide corresponding operation entrances for users to choose to agree or refuse the automated decision-making results; if the user chooses to refuse, it will enter the expert decision-making process.

[0033] Embodiment 1

[0034] According to the embodiments of this application, a method embodiment for processing financial services is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. And although the logical order is shown in the flowchart, in some cases, the steps shown or described here can be executed in a different order from here.

[0035] The method embodiment provided by the first embodiment of this application can be executed on a mobile terminal, a computer terminal or a similar computing device. Figure 1The block diagram of the hardware structure of a computer terminal (or mobile device) for implementing a processing method of financial services is shown. As Figure 1 shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (illustrated as 102a, 102b, ……, 102n in the figure) (the processor 102 may include, but is not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may further include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply, and / or a camera. Those of ordinary skill in the art can understand that Figure 1 the structure shown is only schematic and does not limit the structure of the above-mentioned electronic device. For example, the computer terminal 10 may further include more or fewer components than Figure 1 shown therein, or have a different configuration from Figure 1 shown.

[0036] It should be noted that the above one or more processors 102 and / or other data processing circuits are generally referred to as "data processing circuits" herein. The data processing circuit may be embodied in software, hardware, firmware, or any combination thereof, in whole or in part. In addition, the data processing circuit may be a single independent processing module, or be incorporated in whole or in part into any one of the other elements in the computer terminal 10 (or mobile device). As involved in the embodiments of the present application, the data processing circuit is used for processor control (such as the selection of a variable resistor terminal path connected to an interface).

[0037] The memory 104 may be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the processing method of financial services in the embodiments of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implements the above-mentioned processing method of financial services. The memory 104 may include a high-speed random access memory, and may further include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some instances, the memory 104 may further include a memory remotely disposed relative to the processor 102, and these remote memories may be connected to the computer terminal 10 through a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an enterprise intranet, a local area network, a mobile communication network, and combinations thereof.

[0038] The transmission device 106 is used to receive or send data via a network. Specific examples of the above network may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a Radio Frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0039] The display can be, for example, a touch-screen liquid crystal display (LCD), which enables the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0040] Under the above operating environment, this application provides a method for processing financial services as Figure 2 shown. Figure 2 is the flow of the method for processing financial services according to Embodiment 1 of this application Figure 1 . The processing method includes:

[0041] Step S201, based on the target card used by the target object for financial transactions, determine the target data information corresponding to the target object, where the target data information at least includes the status information corresponding to the target card.

[0042] Optionally, when the customer (i.e., the above target object) needs to handle relevant financial services, determine the corresponding target data information according to the target card used by the customer for financial transactions. It should be noted that the target card can be an IC card or a magnetic stripe card held by the customer. The status information corresponding to the target card can be whether the target card is in a normal use state, a locked state, a reported loss state, and an expired state, etc.

[0043] In an optional embodiment, relevant identification devices can be used to identify the target card used by the customer for financial transactions to obtain information such as the card number and card type, and then determine the status information corresponding to the target card through these information, and further obtain the above target data information.

[0044] Step S202, based on the target data information, determine whether the target object meets the preset conditions for handling the target financial service to be handled by the target object.

[0045] Optionally, determine whether the customer meets the preset conditions for handling the target financial service to be handled by the target object according to the target data information. It should be noted that the preset conditions can be the conditions that need to be met for handling the target financial service. For example, when handling a transfer service, the corresponding target card should be in a normal use state.

[0046] Step S203, when the preset conditions for handling the target financial service to be handled by the target object are met, handle the target financial service.

[0047] Optionally, when determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object, the above-mentioned target financial service can be handled for the customer through an AI interaction method.

[0048] In summary, by obtaining the corresponding target data information according to the target card used by the target object for financial transactions and matching the target data information with the target financial service to be handled by the target object, it can be quickly determined whether the target object meets the preset conditions for handling the target financial service to be handled by the target object, avoiding querying the relevant data of the customer manually to determine whether the corresponding financial service can be handled, thereby achieving the improvement of the handling efficiency of financial services.

[0049] Optionally, in the method for processing financial services provided in the embodiments of the present application, determining the target data information corresponding to the target object based on the target card used by the target object for financial transactions includes: identifying the target card to obtain the attribute information corresponding to the target card; according to the attribute information, determining the status information corresponding to the target card from the database of the financial institution; and determining the target data information according to the attribute information and the status information.

[0050] In an optional embodiment, determining the target data information corresponding to the target object according to the target card used by the target object for financial transactions includes the following steps: the relevant identification device can be used to identify the target card used by the customer for financial transactions to obtain the attribute information corresponding to the target card, for example, attribute information such as card number, card type, and issuing financial institution.

[0051] Then, according to the attribute information corresponding to the target card, determine the status information corresponding to the target card from the database of the financial institution. For example, the status information corresponding to the target card can be whether the target card is in a normal use state, a locked state, a reported loss state, and an expired state, etc.

[0052] Finally, perform splicing processing according to the attribute information and the status information to obtain the above-mentioned target data information.

[0053] By identifying the target card and matching it with the database, the corresponding target data information can be quickly and accurately obtained, improving the efficiency of subsequent handling of financial services.

[0054] Optionally, in the method for processing financial services provided in the embodiments of the present application, determining the target data information based on the attribute information and the status information includes: identifying the identity document of the target object to obtain the identity information of the target object; determining the credit information of the target object from the database of the financial institution based on the identity information of the target object; and determining the target data information based on the credit information, the attribute information, and the status information.

[0055] In an alternative embodiment, determining the target data information based on the attribute information and the status information further includes the following steps: performing identity verification on the customer based on the identity document of the customer to obtain the identity information of the customer, then determining the credit information of the target object from the database of the financial institution based on the identity information of the target object, and finally, determining the target data information based on the credit information, the attribute information, and the status information. For example, the target data information is obtained by concatenating the credit information, the attribute information, and the status information.

[0056] By obtaining the identity information of the target object and determining the corresponding credit information based on the identity information, the risk operations of risk users can be avoided, and the security of handling financial services can be improved.

[0057] Optionally, in the method for processing financial services provided in the embodiments of the present application, determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information includes: obtaining the target service handling conditions of the target financial service; matching the target data information with the target service handling conditions to obtain a matching result; and determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the matching result.

[0058] In an alternative embodiment, the following steps may be adopted to determine whether the target object meets the preset conditions for handling the target financial service to be handled by the target object: obtaining the target service handling conditions of the target financial service according to the relevant regulations of the financial institution. For example, the target service handling conditions of the target financial service may include, but are not limited to, the identity verification result of the customer, the account status of the target card, and the fund limit and other information.

[0059] After obtaining the target service handling conditions of the target financial service, matching the target data information with the target service handling conditions to obtain a matching result, and finally, determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the matching result.

[0060] For example, matching the target data information with the target business handling conditions may be to determine whether the information included in the target data information meets the target business handling conditions. If it meets, the matching result is determined to be a match, that is, the target object meets the preset conditions for handling the target financial business to be handled by the target object. If it does not meet, the matching result is determined to be a mismatch, that is, the target object does not meet the preset conditions for handling the target financial business to be handled by the target object.

[0061] By matching the target data information with the target business handling conditions to replace the traditional mode of consulting manual inquiries of data and then confirming whether the business can be handled, it reduces manual intervention, lowers the human operation error rate, and improves the handling efficiency of financial business.

[0062] Optionally, in the financial business processing method provided in the embodiments of the present application, after determining whether the target object meets the preset conditions for handling the target financial business to be handled by the target object according to the target data information, the method further includes: obtaining the business handling conditions corresponding to multiple financial businesses in the financial institution; matching the target data information with the business handling conditions to determine multiple financial businesses that can be handled by the target object; and displaying the multiple financial businesses that can be handled on the operation interface, where the target object handles the multiple financial businesses that can be handled based on the operation interface.

[0063] In an optional embodiment, after determining whether the target object meets the preset conditions for handling the target financial business to be handled by the target object, in order to further improve the satisfaction of customers handling financial business, the financial business processing method provided in the embodiments of the present application further includes the following steps: obtaining the business handling conditions of all financial businesses of the financial institution. For example, the business handling conditions of the financial business may include but are not limited to the customer's identity verification result, the account status of the target card, and the fund limit and other conditions.

[0064] After obtaining the business handling conditions of all financial businesses, match the customer's target data information with the business handling conditions to determine which financial business's business handling conditions the customer's target data information can meet, obtain multiple financial businesses that can be handled by the customer, and display the multiple financial businesses that can be handled on the operation interface so that the customer can directly handle the multiple financial businesses that can be handled according to the operation interface. It should be noted that when the customer handles multiple financial businesses that can be handled, an AI intelligent robot is introduced for human-computer interaction to improve the handling efficiency of financial business.

[0065] In an optional embodiment, the schematic diagram of the operation interface is as Figure 3 shown, and multiple financial businesses that the customer can handle are displayed, as Figure 3Unblocking, unblocking pin cards, etc. in it. Customers can click on the financial services available on the operation interface, and then jump to the function interface to handle the services.

[0066] By matching the service handling conditions of multiple financial services, it is possible to quickly determine the multiple financial services that a customer can handle, and display these financial services on the operation interface. Customers can select the corresponding financial services on the operation interface according to their needs to handle, improving the satisfaction of customers in handling financial services.

[0067] Optionally, in the method for processing financial services provided in the embodiments of the present application, after matching the target data information and the service handling conditions, the method further includes: determining, based on the target data information and the service handling conditions, multiple unhandled financial services corresponding to the target object and the reasons for non - handling corresponding to the multiple unhandled financial services; determining a solution based on the reasons for non - handling; and displaying the multiple unhandled financial services, the reasons for non - handling, and the solutions on the operation interface.

[0068] In an alternative embodiment, when determining which service handling conditions of financial services can be met by the target data information of the customer, it is possible to synchronously determine the financial services that the customer cannot handle based on the target data information and the service handling conditions, as well as the reasons for non - handling corresponding to the multiple unhandled financial services, and determine the corresponding solutions based on the reasons for non - handling. Finally, display the multiple unhandled financial services, the reasons for non - handling, and the solutions on the operation interface.

[0069] In an alternative embodiment, the schematic diagram of the operation interface is as Figure 3 shown. While displaying the financial services that the customer can handle, display the unhandled financial services, and prompt the reasons for non - handling and the solutions. For example, for Figure 3 the transfer in it, the corresponding reason for non - handling and the solution is "Your card is currently a reported - lost card. Please unblock it first for processing."

[0070] By displaying the unhandled financial services and prompting the reasons for non - handling and the solutions, it enables customers to quickly understand how to handle the unhandled financial services, can quickly solve the corresponding problems, and thus achieves the technical effect of improving the efficiency of handling financial services.

[0071] Optionally, in the method for processing financial services provided in the embodiments of the present application, before determining whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information, the method further includes: receiving the description information input by the target object, where the description information is the description information of the target financial service to be handled by the target object; performing intent recognition based on the description information to obtain intent information, and determining a plurality of initial financial services that match the intent information; performing interactive processing with the target object based on the plurality of initial financial services to obtain interactive information; and determining the target financial service from the plurality of initial financial services based on the interactive information.

[0072] In an alternative embodiment, in the method for processing financial services provided in the embodiments of the present application, the following steps can be used to determine the target financial service to be handled by the customer: The description information of the financial service that the customer wants to handle can be received through the operation interface, and then intent recognition is performed based on the description information to obtain intent information. For example, performing intent recognition can be to perform intent tagging on the description information, and different types of intent identifiers can correspond to different types of financial services. After obtaining the intent information, multiple initial financial services that match the intent information are obtained according to the intent information and the financial services. For example, if the intent information corresponds to financial services related to transfers, the multiple initial financial services related to transfers can include: same-bank transfers, cross-bank transfers, etc.

[0073] After obtaining the multiple initial financial services, interactive processing can be performed with the target object based on the multiple initial financial services to obtain interactive information. For example, the multiple initial financial services are displayed on the operation interface, and the customer is prompted to make a selection, and the customer's selection operation is determined as the above-mentioned interactive information. Finally, the target financial service is determined from the multiple initial financial services based on the interactive information.

[0074] The target financial service to be handled by the customer can be quickly and accurately determined through intent recognition and interactive information.

[0075] In an alternative embodiment, it can be through Figure 4The flowchart shown implements the handling of financial services, specifically including: using the certificate and card data provided by the customer, analyzing the certificate and card data through the device, extracting key information to obtain the corresponding data stream, such as card attributes, customer certificate information, etc. After obtaining the key information, the input data stream can be calculated through regular expressions to obtain the expression results, and then the expression results are matched with business rules, and the business list is obtained if they are matched. Note: The business list can be configured by the business to handle the business. For example: in the rule expression of reporting a lost card, the matching list that can be handled is configured as {"unblock", "report lost and cancelled"...}; data check is performed, and when the data meets the requirements, the business list is output. The regular expression can be as follows [bank card management collection] + customer certificate content. The refined business list is matched and displayed on the front end for function matching. The unavailable business is grayed out, and the reasons and solutions for the unavailable business are prompted. The selection interface displays the available business functions, jumps to the function interface to handle the business, and jumps to the regular menu interface after the business handling is completed or there is no available financial business.

[0076] In an optional embodiment, the Figure 5 The flowchart shown realizes the processing of financial services. The customer places the ID and card data in the device reading area. The device analyzes the ID and card data, extracts key information to obtain the corresponding data stream, sorts the services according to the data stream to obtain the service list, and instructs the customer to handle related services on the service interface according to the instructions of the AI ​​robot.

[0077] The method for processing financial services provided in the embodiment of the present application determines the target data information corresponding to the target object based on the target card used by the target object for financial transactions, wherein the target data information at least includes the status information corresponding to the target card; based on the target data information, determines whether the target object meets the preset conditions for handling the target financial business to be handled by the target object; and handles the target financial business in the case where the preset conditions for handling the target financial business to be handled by the target object are met, thereby solving the technical problem that the efficiency of handling the business is relatively low due to the manual method of querying the relevant data of the customer to determine whether the corresponding financial business can be handled in the related technology. In this scheme, the corresponding target data information is obtained according to the target card used by the target object for financial transactions, and the target data information is matched with the target financial business to be handled by the target object, so that it can quickly determine whether the target object meets the preset conditions for handling the target financial business to be handled by the target object, avoiding the manual method of querying the relevant data of the customer to determine whether the corresponding financial business can be handled, thereby achieving the improvement of the efficiency of handling financial business.

[0078] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. And although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0079] Embodiment 2

[0080] The embodiment of the present application also provides a processing device for financial services. It should be noted that the processing device for financial services in the embodiment of the present application can be used to execute the processing method for financial services provided by the embodiment of the present application. The following introduces the processing device for financial services provided by the embodiment of the present application.

[0081] According to the embodiment of the present application, there is also provided a device for implementing the above-mentioned processing method for financial services, as Figure 6 shown, the device includes: a first determination unit 601, a judgment unit 602, and a handling unit 603.

[0082] The first determination unit 601 is configured to determine the target data information corresponding to the target object based on the target card used by the target object for financial transactions, where the target data information at least includes the status information corresponding to the target card;

[0083] The judgment unit 602 is configured to judge whether the target object meets the preset conditions for handling the target financial service to be handled by the target object according to the target data information;

[0084] The handling unit 603 is configured to handle the target financial service when the preset conditions for handling the target financial service to be handled by the target object are met.

[0085] The processing device for financial services provided by the embodiments of the present application determines, through the first determination unit 601, target data information corresponding to a target object based on a target card used by the target object for financial transactions, where the target data information at least includes status information corresponding to the target card; a judgment unit 602 judges, based on the target data information, whether the target object meets a preset condition for handling a target financial service to be handled by the target object; a handling unit 603 handles the target financial service when the preset condition for handling the target financial service to be handled by the target object is met, solving the technical problem in the related art that the efficiency of handling services is relatively low because relevant data of a customer is queried by a manual method to determine whether a corresponding financial service can be handled. In this solution, target data information corresponding to the target card used by the target object for financial transactions is obtained, and the target data information is matched with the target financial service to be handled by the target object, so that it can be quickly determined whether the target object meets the preset condition for handling the target financial service to be handled by the target object, avoiding querying relevant data of a customer by a manual method to determine whether a corresponding financial service can be handled, and thus achieving the improvement of the efficiency of handling financial services.

[0086] Optionally, in the processing device for financial services provided by the embodiments of the present application, the first determination unit includes: an identification subunit, configured to identify the target card to obtain attribute information corresponding to the target card; a first determination subunit, configured to determine, based on the attribute information, status information corresponding to the target card from a database of a financial institution; and a second determination subunit, configured to determine the target data information based on the attribute information and the status information.

[0087] Optionally, in the processing device for financial services provided by the embodiments of the present application, the second determination subunit includes: an identification module, configured to identify an identity document of the target object to obtain identity information of the target object; a first determination module, configured to determine, based on the identity information of the target object, credit information of the target object from a database of a financial institution; and a second determination module, configured to determine the target data information based on the credit information, the attribute information, and the status information.

[0088] Optionally, in the processing device for financial services provided by the embodiments of the present application, the judgment unit includes: an acquisition subunit, configured to acquire a target service handling condition of the target financial service; a matching subunit, configured to match the target data information with the target service handling condition to obtain a matching result; and a judgment subunit, configured to judge, based on the matching result, whether the target object meets the preset condition for handling the target financial service to be handled by the target object.

[0089] Optionally, in the processing device for financial services provided in the embodiments of the present application, the device further includes: an acquisition unit, configured to, after determining whether a target object meets a preset condition for handling a target financial service to be handled by the target object according to target data information, acquire service handling conditions corresponding to a plurality of financial services in a financial institution; a matching unit, configured to match the target data information with the service handling conditions to determine a plurality of financial services that can be handled by the target object; a first display unit, configured to display the plurality of financial services that can be handled on an operation interface, where the target object handles the plurality of financial services that can be handled based on the operation interface.

[0090] Optionally, in the processing device for financial services provided in the embodiments of the present application, the device further includes: a second determination unit, configured to, after matching the target data information with the service handling conditions, determine a plurality of financial services that cannot be handled by the target object and reasons for non - handling corresponding to the plurality of financial services that cannot be handled according to the target data information and the service handling conditions; a third determination unit, configured to determine a solution based on the reasons for non - handling; a second display unit, configured to display the plurality of financial services that cannot be handled, the reasons for non - handling, and the solution on the operation interface.

[0091] Optionally, in the processing device for financial services provided in the embodiments of the present application, the device further includes: a receiving unit, configured to receive description information input by the target object before determining whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information, where the description information is description information of the target financial service to be handled by the target object; a determination unit, configured to perform intent recognition according to the description information to obtain intent information and determine a plurality of initial financial services that match the intent information; a processing unit, configured to perform interactive processing with the target object according to the plurality of initial financial services to obtain interactive information; and determine the target financial service from the plurality of initial financial services according to the interactive information.

[0092] It should be noted here that the above - mentioned first determination unit 601, determination unit 602, and handling unit 603 correspond to steps S201 to S203 in Embodiment 1. The functions of the three units and the corresponding steps are the same in terms of the implemented examples and application scenarios, but are not limited to the content disclosed in Embodiment 1 above. It should be noted that the above - mentioned modules or units may be hardware components or software components stored in a memory (for example, memory 104) and processed by one or more processors (for example, processors 102a, 102b,..., 102n). The above - mentioned modules may also be part of the device and can run in the computer terminal 10 provided in Embodiment 1.

[0093] Embodiment 3

[0094] Embodiments of the present application may provide an electronic deviceFigure 7 is a structural block diagram of an electronic device according to an embodiment of the present application. As Figure 7 shown, the electronic device may include: one or more ( Figure 7 only one is shown in the figure) processors 702, a memory 704, a storage controller, and a peripheral interface, where the peripheral interface is connected to a radio frequency module, an audio module, and a display.

[0095] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and devices in the embodiments of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, implements the above methods. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some instances, the memory may further include a memory remotely provided with respect to the processor, and these remote memories may be connected to the terminal through a network. Examples of the above network include but are not limited to the Internet, an enterprise intranet, a local area network, a mobile communication network, and combinations thereof.

[0096] The processor may call the information and application programs stored in the memory through a transmission device to perform the following steps: determining target data information corresponding to a target object based on a target card used by the target object for financial transactions, where the target data information at least includes status information corresponding to the target card; judging whether the target object meets a preset condition for handling a target financial service to be handled by the target object according to the target data information; and handling the target financial service when the preset condition for handling the target financial service to be handled by the target object is met.

[0097] The processor may call the information and application programs stored in the memory through a transmission device to perform the following steps: determining that the target data information corresponding to the target object based on the target card used by the target object for financial transactions includes: identifying the target card to obtain attribute information corresponding to the target card; determining status information corresponding to the target card from a database of a financial institution according to the attribute information; and determining the target data information according to the attribute information and the status information.

[0098] The processor may call the information and application programs stored in the memory through a transmission device to perform the following steps: determining that the target data information according to the attribute information and the status information includes: identifying an identity document of the target object to obtain identity information of the target object; determining credit information of the target object from a database of a financial institution according to the identity information of the target object; and determining the target data information according to the credit information, the attribute information, and the status information.

[0099] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: Judging whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information includes: obtaining the target service handling conditions of the target financial service; matching the target data information with the target service handling conditions to obtain a matching result; and judging whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the matching result.

[0100] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: After judging whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information, the method further includes: obtaining the service handling conditions corresponding to multiple financial services in the financial institution; matching the target data information with the service handling conditions to determine multiple financial services that can be handled by the target object; and displaying the multiple financial services that can be handled on the operation interface, wherein the target object handles the multiple financial services that can be handled based on the operation interface.

[0101] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: After matching the target data information with the service handling conditions, the method further includes: determining multiple financial services that cannot be handled by the target object and the reasons for non - handling corresponding to the multiple financial services that cannot be handled based on the target data information and the service handling conditions; determining a solution based on the reasons for non - handling; and displaying the multiple financial services that cannot be handled, the reasons for non - handling, and the solution on the operation interface.

[0102] The processor can call the information and application programs stored in the memory through the transmission device to execute the following steps: Before judging whether the target object meets the preset conditions for handling the target financial service to be handled by the target object based on the target data information, the method further includes: receiving the description information input by the target object, where the description information is the description information of the target financial service to be handled by the target object; performing intention recognition based on the description information to obtain intention information, and determining multiple initial financial services that match the intention information; performing interactive processing on the multiple initial financial services and the target object to obtain interactive information; and determining the target financial service from the multiple initial financial services based on the interactive information.

[0103] Those of ordinary skill in the art can understand that Figure 7 The structure shown is only for illustration, and the electronic device can also be a terminal device such as a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a personal digital assistant, and a Mobile Internet Device (MID), a PAD, etc. Figure 7It does not limit the structure of the above electronic device. For example, the electronic device may further include more or fewer components (such as a network interface, a display device, etc.) than those shown in Figure 7 , or have a different configuration from that shown in Figure 7 .

[0104] Those of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and this program can be stored in a computer-readable storage medium. The storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disc, etc.

[0105] Embodiment 4

[0106] An embodiment of the present application also provides a computer-readable storage medium. Optionally, in this embodiment, the above storage medium may be used to store the program code executed by the method for processing financial services provided in the first embodiment above.

[0107] Optionally, in this embodiment, the above storage medium may be located in any one of the computer terminals in the computer terminal group in the computer network, or in any one of the mobile terminals in the mobile terminal group.

[0108] The present application also provides a computer program product, which is suitable for executing a program of the steps of the method for processing financial services when executed on a data processing device.

[0109] The serial numbers of the above embodiments of the present application are only for description and do not represent the advantages or disadvantages of the embodiments.

[0110] In the above embodiments of the present application, the descriptions of the various embodiments have their own emphases. For the parts not detailed in a certain embodiment, reference may be made to the relevant descriptions of other embodiments.

[0111] In the several embodiments provided by the present application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only illustrative. For example, the division of the units is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Another point is that the displayed or discussed coupling or direct coupling or communication connection between each other may be through some interfaces, and the indirect coupling or communication connection of the units or modules may be in an electrical or other form.

[0112] The unit described as a separation component may or may not be physically separated. The component shown as a unit may or may not be a physical unit, that is, it may be located in one place or distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0113] In addition, each functional unit in various embodiments of the present application may be integrated in a processing unit, may exist physically separately for each unit, or two or more units may be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

[0114] If the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the methods described in various embodiments of the present application. The aforementioned storage medium includes: USB flash drives, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), mobile hard disks, magnetic disks or optical discs and other various media that can store program codes.

[0115] The above are only the preferred embodiments of the present application. It should be noted that for those of ordinary skill in the art, without departing from the principle of the present application, several improvements and refinements can be made, and these improvements and refinements should also be regarded as the protection scope of the present application.

Claims

1. A method for processing financial services, characterized in that: include: Determine target data information corresponding to the target object based on a target card used by the target object for financial transactions, wherein the target data information at least includes status information corresponding to the target card; According to the target data information, determining whether the target object meets the preset conditions for handling the target financial business to be handled by the target object; When the preset conditions for handling the target financial business to be handled by the target object are met, the target financial business is handled.

2. The method according to claim 1, characterized in that Based on the target card used by the target object for financial transactions, the target data information corresponding to the target object is determined to include: Identify the target card to obtain attribute information corresponding to the target card; Determining, based on the attribute information, status information corresponding to the target card from a database of a financial institution; The target data information is determined according to the attribute information and the state information.

3. The method according to claim 2, characterized in that Determining the target data information according to the attribute information and the state information includes: Identify the identity document of the target object to obtain the identity information of the target object; Determining the credit information of the target object from a database of a financial institution based on the identity information of the target object; The target data information is determined based on the credit information, the attribute information and the status information.

4. The method according to claim 1, characterized in that: Judging, based on the target data information, whether the target object meets the preset conditions for handling the target financial business to be handled by the target object includes: Obtain target business handling conditions for the target financial business; Matching the target data information with the target business handling conditions to obtain a matching result; Based on the matching result, it is determined whether the target object meets the preset conditions for handling the target financial business to be handled by the target object.

5. The method according to claim 1, characterized in that: After determining, based on the target data information, whether the target object meets the preset conditions for handling the target financial business to be handled by the target object, the method further includes: Obtain business handling conditions corresponding to multiple financial businesses in financial institutions; Matching the target data information with the business handling conditions to determine a plurality of financial services that can be handled corresponding to the target object; The multiple financial services that can be processed are displayed on an operation interface, wherein the target object processes the multiple financial services that can be processed based on the operation interface.

6. The method according to claim 5, characterized in that After matching the target data information with the business handling conditions, the method further includes: Determine, based on the target data information and the service handling conditions, a plurality of unhandled financial services corresponding to the target object and unhandled reasons corresponding to the plurality of unhandled financial services; Determine a solution based on the reasons why the application cannot be processed; The multiple financial services that cannot be processed, the reasons for the non-processing and the solutions are displayed on the operation interface.

7. The method according to claim 1, characterized in that Before judging whether the target object meets the preset conditions for handling the target financial business to be handled by the target object based on the target data information, the method further includes: receiving description information input by the target object, wherein the description information is description information of a target financial business to be handled by the target object; Performing intent recognition based on the description information to obtain intent information, and determining a plurality of initial financial services matching the intent information; Performing interaction processing with the target object according to the multiple initial financial services to obtain interaction information; The target financial service is determined from the multiple initial financial services according to the interaction information.

8. A financial service processing device, characterized in that: include: A first determining unit, configured to determine target data information corresponding to a target object based on a target card used by the target object for financial transactions, wherein the target data information at least includes status information corresponding to the target card; A judgment unit, used to judge whether the target object meets the preset conditions for handling the target financial business to be handled by the target object according to the target data information; The processing unit is used to process the target financial business when the preset conditions for processing the target financial business to be processed by the target object are met.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the financial business processing method described in any one of claims 1 to 7.

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

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