Banking business handling method and device

Abstract

The invention discloses a banking business handling method and device which can be used in the fields of banking business handling and financial science and technology. The method comprises the following steps: after a user logs in a mobile client, when it is determined that the user has no associated user information, providing an associated user information establishment page for the user; receiving associated user information and permission information fed back by the user through the associated user information establishing page; sending verification information to the associated user according to the associated user information and the permission information; when association agreement information fed back by the associated user is received, generating an associated user graph for the user; and receiving a service handling instruction submitted by the user according to the associated user graph, and handling a service corresponding to the service handling instruction for the user. The business handling efficiency can be improved, and the user experience is improved.

Description

Technical Field

[0001] The present invention relates to the technical fields of banking business handling and fintech, and particularly to a method and apparatus for handling banking business. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention described in the claims. The descriptions herein are not admitted to be prior art merely because they are included in this section.

[0003] Currently, banking business has gradually shifted to mobile clients for handling. However, there are a wide variety of bank clients with high learning costs. After downloading and installing, customers need to learn and adapt to the business functions corresponding to the current bank client, and different complex operations are required for handling different businesses. The mobile clients of major banks currently have numerous functions and pages. Even if the operation methods are adapted, it is impossible to quickly and conveniently find and use the required business functions. The current operation for handling banking business on mobile clients is complex, and the user experience is poor. Summary of the Invention

[0004] Embodiments of the present invention provide a method for handling banking business, which is used to reduce the operation difficulty of business handling, improve the efficiency of business handling, and enhance the user experience. The method includes:

[0005] When it is determined that the user has no associated user information after logging in to the mobile client, a page for establishing associated user information is provided to the user; wherein, the page for establishing associated user information includes an entry for adding an associated user and an entry for setting permission information;

[0006] Receive the associated user information and permission information fed back by the user through the page for establishing associated user information; the permission information includes the user's permission information and the associated user's permission information;

[0007] Send verification information to the associated user according to the associated user information and the permission information;

[0008] When receiving the consent association information fed back by the associated user, generate an associated user graph for the user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers;

[0009] Receive the business handling instruction submitted by the user according to the associated user graph, and handle the business corresponding to the business handling instruction for the user.

[0010] Embodiments of the present invention also provide a device for handling banking business, which is used to reduce the operation difficulty of business handling, improve the efficiency of business handling, and enhance the user experience. The device includes:

[0011] The first processing module is used to provide a page for establishing associated user information to the user when it is determined that the user has no associated user information after logging in to the mobile client; wherein, the page for establishing associated user information includes an entry for adding an associated user and an entry for setting permission information.

[0012] The second processing module is used to receive the associated user information and permission information fed back by the user through the page for establishing associated user information; the permission information includes the user's permission information and the associated user's permission information.

[0013] The third processing module is used to send verification information to the associated user according to the associated user information and the permission information.

[0014] The fourth processing module is used to generate an associated user graph for the user when receiving the consent association information fed back by the associated user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers.

[0015] The fifth processing module is used to receive the service handling instruction submitted by the user according to the associated user graph and handle the service corresponding to the service handling instruction for the user.

[0016] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above-mentioned banking service handling method is implemented.

[0017] An embodiment of the present invention further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned banking service handling method is implemented.

[0018] An embodiment of the present invention further provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned banking service handling method is implemented.

[0019] In an embodiment of the present invention, after a user logs into a mobile client and determines that the user has no associated user information, a page for establishing associated user information is provided to the user; wherein the associated user information establishment page includes an associated user addition entry and a permission information setting entry; the associated user information and permission information provided by the user through the associated user information establishment page are received; the permission information includes the permission information of the user and the permission information of the associated user; verification information is sent to the associated user based on the associated user information and permission information; upon receiving the associated user's consent information, a associated user graph is generated for the user; wherein the associated user graph includes the user ID of the user, the user IDs of the associated users, and the associations between the user IDs; a service processing instruction submitted by the user based on the associated user graph is received, and the service corresponding to the service processing instruction is processed for the user. In this way, by constructing an associated user graph for the user, the user can access the corresponding service processing on the mobile client based on the associated user graph, without having to search or perform complex operations on the mobile client, thereby reducing the operational difficulty of service processing. Moreover, different services can be processed based on the associated user graph, without having to perform complex operations on different pages, thereby improving service processing efficiency and enhancing user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0021] Figure 1 This is a flow chart of a banking business processing method provided in an embodiment of the present invention;

[0022] Figure 2 This is an example diagram of an associated user graph provided in an embodiment of the present invention;

[0023] Figure 3 This is an example diagram of a secondary menu provided in an embodiment of the present invention;

[0024] Figure 4 A schematic diagram of a banking business processing device provided in an embodiment of the present invention;

[0025] Figure 5 A schematic diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0026] To make the objectives, technical solutions and advantages of the embodiments of the present invention more clearly understood, the following further describes the embodiments of the present invention in detail with reference to the drawings. Herein, the illustrative embodiments of the present invention and the descriptions thereof are used to explain the present invention, but not to limit the present invention.

[0027] In the technical solution of this application, the acquisition, storage, use, processing, etc. of data all comply with the relevant regulations of laws and regulations.

[0028] The information collected in this application is information and data authorized by the user or fully authorized by all parties. Moreover, the processing of relevant data, such as collection, storage, use, processing, transmission, provision, disclosure and application, all complies with relevant laws, regulations and standards, takes necessary confidentiality measures, does not violate public order and good customs, and provides corresponding operation entrances for users to choose to authorize or refuse.

[0029] The term "and / or" in this article merely describes an association relationship, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" in this article means any one of multiple types or any combination of at least two of multiple types. For example, including at least one of A, B, and C can represent any one or more elements selected from the set composed of A, B, and C.

[0030] In the description of this specification, the terms "include", "comprise", "have", "contain", etc. are all open-ended terms, that is, they are meant to include but not limited to. The descriptions with reference to terms such as "an embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of this application. In this specification, the schematic descriptions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of this application, and the order of steps is not limited and can be adjusted appropriately as needed.

[0031] Through research, it is found that banking services have gradually shifted to mobile clients for handling. However, there are a wide variety of bank clients and the learning cost is high. After downloading and installing, customers need to learn and adapt to the business functions corresponding to the current bank client, and different complex operations need to be learned for handling different businesses. The mobile clients of current major banks have numerous functions and pages. Even if the operation methods are adapted, it is impossible to quickly and conveniently find and use the required business functions. The operation of handling banking services on current bank mobile clients is complex and the user experience is poor.

[0032] In view of the above research, as Figure 1 shown, an embodiment of the present invention provides a banking service handling method, including:

[0033] S101: When it is determined that the user has no associated user information after the user logs in to the mobile client, provide the user with an associated user information establishment page; wherein, the associated user information establishment page includes an associated user addition entry and a permission information setting entry;

[0034] S102: Receive the associated user information and permission information fed back by the user through the associated user information establishment page; the permission information includes the user's permission information and the associated user's permission information;

[0035] S103: Send verification information to the associated user according to the associated user information and the permission information;

[0036] S104: When receiving the consent association information fed back by the associated user, generate an associated user graph for the user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers;

[0037] S105: Receive the service handling instruction submitted by the user according to the associated user graph, and handle the service corresponding to the service handling instruction for the user.

[0038] In an embodiment of the present invention, when it is determined that the user has no associated user information after the user logs in to the mobile client, provide the user with an associated user information establishment page; wherein, the associated user information establishment page includes an associated user addition entry and a permission information setting entry; receive the associated user information and permission information fed back by the user through the associated user information establishment page; the permission information includes the user's permission information and the associated user's permission information; send verification information to the associated user according to the associated user information and the permission information; when receiving the consent association information fed back by the associated user, generate an associated user graph for the user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers; receive the service handling instruction submitted by the user according to the associated user graph, and handle the service corresponding to the service handling instruction for the user. In this way, by constructing an associated user graph for the user, the user can enter the handling of the corresponding service on the mobile client based on the associated user graph, and can complete the service handling without searching and complex operations on the mobile client, reducing the operation difficulty of service handling. And handling different services can also rely on the associated user graph, without complex operations on different pages, so the service handling efficiency is improved and the user experience is enhanced.

[0039] The above banking service handling method will be introduced in detail below.

[0040] The banking service handling method described in the embodiments of the present invention can be deployed in a mobile client (such as a mobile phone, a tablet computer, and other movable terminals), or can be deployed in a server that interacts with the mobile client, and can be specifically set according to the actual application scenario, which is not limited in the embodiments of the present invention.

[0041] Regarding the above S101, banking services are mostly handled among associated users. Therefore, when it is determined that the user has no associated user information after the user logs in to the mobile client, a page for establishing associated user information is provided to the user, so that the user can establish user information associated with himself / herself through the page for establishing associated user information. For example, after user A logs in to the mobile client and user A has not set other users with whom he / she has a business association, a page for establishing associated user information is sent to user A, so that user A can input the user information of multiple associated users such as user B and user C who have a business association with himself / herself through the page for establishing associated user information, and then establish the association relationships among these users and between these users and himself / herself.

[0042] Among them, the associated users of the user can include any user who has a business handling association with the user, such as the user's family members, friends, business contacts, etc.

[0043] In the embodiments of the present invention, the page for establishing associated user information includes an entry for adding associated users and an entry for setting permission information, and the entry can be a link, an information input field with prompt information (such as text prompt, image prompt), etc.

[0044] Regarding the above S102 - S103, when the user establishes the user information associated with himself / herself, the user can also set the permissions of the associated users and himself / herself. For example, in the scenario where the associated user is a family member, parents can set their own permission level higher than that of minor children, and the user with a higher permission level can handle business on behalf of the user with a lower permission level and manage the business.

[0045] Furthermore, in order to ensure the security of user information, when the user sets an associated user, the associated user needs to verify and agree before the setting can be completed. In an embodiment of the present invention, verification information is sent to the associated user according to the associated user information and the permission information. For example, it can be sent by means of text message, 5G message, mobile banking message, etc.

[0046] The associated users described in the embodiments of the present invention can be only one or multiple.

[0047] Regarding the above S104, when the consent association information fed back by the associated user is received, an associated user graph is generated for the user. For exampleFigure 2 As shown, the associated user graph includes the user identifier of the user, the user identifiers of associated users, and the association relationships between the user identifiers.

[0048] In one embodiment of the present invention, the association relationships between the user identifiers in the associated user graph interface can be displayed in the following ways, for example: the added user relationships are displayed as graph connections and relationship titles, and the unadded user relationships are presented in the form of "+", and after clicking, the user can enter the page for adding user relationships, and after completion, an associated user graph is formed), as Figure 2 In the figure, "I" represents the user himself / herself, and the other connections represent other family members (i.e., associated users).

[0049] In addition, in another embodiment of the present invention, after generating the associated user graph for the user, when other users in the associated user graph log in to the mobile client, the associated user graph can also be displayed on the mobile clients of other users in the associated user graph, and the associated user information of other users in the associated user graph can be determined.

[0050] In the embodiments of the present invention, the same user can establish multiple associated user graphs according to different scenarios. For example, the same user can establish a family version of the associated user graph, a friend version of the associated user graph, and a work contact version of the associated user graph.

[0051] Regarding the above S105, in one embodiment of the present invention, receiving a service handling instruction submitted by the user according to the associated user graph and handling the service corresponding to the service handling instruction for the user includes: receiving the operation event information submitted by the user according to the associated user graph, determining the service identifier of the service corresponding to the service handling instruction according to the operation event information; determining the preset permission information of the service corresponding to the service handling instruction according to the service identifier; when the user's permission information meets the requirements of the preset permission information, handling the service corresponding to the service handling instruction for the user.

[0052] Among them, the operation event information includes: the position where the touch screen of the mobile client is pressed, the pressing force, the pressing duration, and the moving direction. In one embodiment of the present invention, receiving the operation event information submitted by the user according to the associated user graph and determining the service identifier of the service corresponding to the service handling instruction according to the operation event information includes: according to the position where the touch screen of the mobile client is pressed and the moving direction, and the coordinate range of each user identifier in the associated user graph on the touch screen of the mobile client, determining the user identifier triggered by the service handling instruction in the user graph; where the user identifier triggered by the service handling instruction in the user graph is at least one; determining the service identifier of the service corresponding to the service handling instruction according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph.

[0053] For exampleFigure 2 As shown, after the associated user graph is generated in the embodiment of the present invention, the associated user graph is directly displayed. On the associated user graph interface, the user can directly perform interactive operations. For example, operations such as single-click, long-press and drag, and drag to a member all represent different meanings and correspond to different business functions. After the user operation is recognized, it can jump to the corresponding function interface, without the user having to learn the business names to be handled and the paths to enter from the home page of the mobile client by themselves and other knowledge.

[0054] Among them, the functions represented by different operations can be pre-configured. When configuring, the association between the operation and the function can be changed in combination with the actual scenario. The embodiments of the present invention do not make restrictions. For the convenience of understanding, several possible implementation manners are given below, but they are not used to limit that the operation events and business functions in the embodiments of the present invention can only be bound according to the following association manner.

[0055] In one embodiment of the present invention, according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph, the service identifier of the service corresponding to the service handling instruction is determined, including: when the pressing force is greater than the first preset force, the pressing duration is less than the first preset duration, and the user identifier triggered by the service handling instruction in the user graph is one, determining that the service identifier is the account query identifier; determining the preset permission information of the service corresponding to the service handling instruction according to the service identifier, including: determining the account query permission information according to the account query identifier; when the permission information of the user meets the requirements of the preset permission information, handling the service corresponding to the service handling instruction for the user, including: when the permission information of the user meets the account query permission information, sending the account information corresponding to the user identifier triggered by the service handling instruction in the user graph to the user.

[0056] Exemplarily, account query includes functions related to query operations and related maintenance management, such as querying the card accounts under the customer's name, querying the account balance, querying the transaction details, querying the financial management situation, etc., and performing loss reporting and unlocking, password management, etc. after the query.

[0057] As Figure 2 shown, for users with low permissions: click on "Me" and release, then enter the function process of account query. Clicking on other family members has no response or displays prompts such as "no permission". Users with high permissions can enter the function process of account query by clicking on any family member and releasing.

[0058] Here, the corresponding page and specific process can be changed according to the actual business of the bank. For example, this step can also be simplified to not enter the function process, but directly display it in the form of a floating window on the associated user graph interface after the user clicks.

[0059] In addition, for example, the following steps are used to determine whether the "single click" operation of the user appears on the mobile client: Detect the click action of the user at any coordinate position on the touch screen of the mobile client, including the position of touching the screen, the pressing force, the duration, etc.; Determine whether the click action of the user meets the conditions of "single click", that is, if the user touches the screen with a force greater than a specific value for less than a specific time (the force value, duration, etc. can be flexibly set according to actual needs, such as the first preset force, the first preset duration) and then releases the finger, it can be determined that the user is performing a single click operation. After determining the operation target, the function process of account query needs to be entered; After receiving the single click event, obtain the associated user identifier corresponding to the position coordinate according to the operation coordinate recorded in the log, and then judge the permission situation of the currently logged-in user, and finally enter the account query function process of this user or be rejected due to lack of permission prompt.

[0060] In another embodiment of the present invention, according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph, determine the service identifier corresponding to the service of the service handling instruction, including: When the pressing force is greater than the second preset force, and the pressing duration is greater than the second preset duration, and the user identifier triggered by the service handling instruction in the user graph is one, determine that the service identifier is the service identifier included in the investment and financial management service category; Send the service identifier included in the investment and financial management category to the user, and receive the second operation event information fed back by the user according to the service identifier included in the investment and financial management category; Determine the service identifier triggered by the service handling instruction in the investment and financial management service category according to the position where the touch screen of the mobile client is pressed and the moving direction in the second operation event information; Determine the preset permission information corresponding to the service of the service handling instruction according to the service identifier, including: Determine the investment and financial management permission information according to the triggered service identifier; When the permission information of the user meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: When the permission information of the user meets the investment and financial management permission information, handle the investment and financial management service for the user identifier triggered by the service handling instruction in the user graph, and the investment and financial management service is the investment and financial management service corresponding to the service identifier triggered by the service handling instruction in the investment and financial management service category.

[0061] Exemplarily, investment and financial management includes related functions involving the transfer of account funds and obtaining income appreciation, such as funds, wealth management, insurance, deposits, precious metals, stocks, etc.

[0062] Such as Figure 2 、 Figure 3As shown, when a user with low permissions presses "me" forcefully, a secondary menu pops up (the number, content, and specific display form of the popped-up function buttons can be set according to the actual business needs of the bank). Drag the finger to the corresponding function, and then enter the corresponding function process (the corresponding page and specific process are subject to the actual situation of the bank). Pressing other associated users forcefully will result in no response or display prompts such as "no permission". When a user with high permissions presses any associated user forcefully, a secondary menu can be popped up. Drag the finger to the corresponding function, and then enter the corresponding function process.

[0063] In an embodiment of the present invention, the following steps are used to determine whether the "long press and drag" operation of a user occurs on the mobile client: Listen to the touch events of the user on the touch screen of the mobile client, including actions such as finger pressing, moving, and releasing, including the position of the touch screen, pressing force, duration, sliding direction, etc.; Determine whether the user's click action meets the conditions of "long press and drag", that is, on the one hand, the customer touches the screen with a force greater than a specific value for a time greater than a specific time (the force value, time value, etc. can be flexibly set according to actual needs, such as the second preset force and the second preset duration), and at the same time, the finger holds the screen and moves. On the other hand, obtain the screen position coordinates touched by the customer (including the starting position and the ending position), and determine whether it is within the starting and ending position ranges of the coordinates required for the operation menu shown in this step, that is, whether the corresponding function is to be triggered. Then it can be determined that the customer is performing a long press and drag operation, and after determining the operation target, enter the specific investment and financial management function process; Obtain the user identifier corresponding to the position coordinates according to the operation coordinates recorded in the log, as well as the function corresponding to the operation coordinates at the end position of the drag, and then judge the permission situation of the currently logged-in user, and finally enter the investment and financial management function process of the selected user account or be rejected due to a no-permission prompt.

[0064] In another embodiment of the present invention, according to the pressing force, pressing duration, and the user identifier triggered by the business handling instruction in the user graph, determine the business identifier corresponding to the business of the business handling instruction, including: When the pressing force is greater than the third preset force, the pressing duration is less than the third preset duration, and the number of user identifiers triggered by the business handling instruction in the user graph is greater than one, determine the business identifier as the transfer identifier; Determine the preset permission information corresponding to the business of the business handling instruction according to the business identifier, including: According to the transfer identifier, determine the transfer permission information; When the permission information of the user meets the requirements of the preset permission information, handle the business corresponding to the business handling instruction for the user, including: When the permission information of the user meets the transfer permission information, handle the transfer business for the user identifier triggered by the business handling instruction in the user graph.

[0065] Exemplarily, transfer includes related functions involving the transfer of account funds to another family member, such as ordinary transfer, scheduled transfer, etc.

[0066] As shown Figure 2 in the figure, when a user with a lower permission holds down "me" and drags their finger to another associated user identifier and then releases it, the corresponding function process will be entered and the information of the transferor and transferee will be automatically filled in. Among them, when transferring between cards under one's own name, hold down "me" and drag back to "me" and then release it. When transferring money to a user outside the associated user graph, hold down "me" and drag it to a blank space. Dragging other associated users will have no response or display a prompt such as "no permission". When a user with a higher permission holds down any associated user identifier and drags it to any other associated user identifier and then releases it, the transfer function process can be entered.

[0067] In an embodiment of the present invention, the following steps are used to determine whether the operation of "dragging to a user" occurs on the mobile client: Detect the touch events of the user on the mobile phone screen, including actions such as finger pressing, moving, and releasing, specifically including the position of touching the screen, the pressing force, the duration, the sliding direction, etc. Determine whether the user's click action meets the conditions of "dragging to a user", that is, on the one hand, the user touches the screen with a force greater than a specific value for less than a specific time (the force value, time value, etc. can be flexibly set according to actual needs, such as the third preset force, the third preset duration), and at the same time holds down the screen with the finger and moves it. On the other hand, obtain the screen position coordinates touched by the customer (including the starting position and the ending position), and determine whether it is within the coordinate starting and ending position ranges required by the associated user identifier in the associated user graph. After determining the operation target, enter the specific transfer function process; obtain the user identifier corresponding to the position coordinates according to the operation coordinates recorded in the log, and the user identifier corresponding to the dragging end position, and then judge the permission situation of the currently logged-in user, and finally enter the transfer function process of the user identifier or be rejected due to a no-permission prompt.

[0068] In another embodiment of the present invention, according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph, determine the service identifier corresponding to the service handling instruction, including: when the pressing force is less than the fourth preset force, and the pressing duration is less than the fourth preset duration, and the user identifier triggered by the service handling instruction in the user graph is more than one, determine the service identifier as the agency payment identifier; determine the preset permission information corresponding to the service handling instruction according to the service identifier, including: according to the agency payment identifier, determine the agency payment permission information; when the user's permission information meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: when the user's permission information meets the agency payment permission information, handle the agency payment service for the user identifier triggered by the service handling instruction in the user graph.

[0069] Exemplarily, agency payment includes related functions involving the transfer of account funds to a corporate account, such as mobile phone recharge, payment of water and electricity bills, etc.

[0070] like Figure 2 As shown, the user clicks on any associated user ID (representing the agent) and then clicks on "I" (representing the agent), and then enters the corresponding functional process (the corresponding page and specific process are subject to the actual business of the bank) and automatically fills in the agent payment information.

[0071] In one embodiment of the present invention, the following steps are used to determine whether a user has performed a "sequential click" operation on a mobile client: detecting a user touch event on the mobile phone screen, including finger pressing and releasing actions, including the location of the touch screen, the pressing force, the duration, etc.; determining whether the customer's click action meets the "sequential click" conditions, that is, on the one hand, the customer touches the screen twice with a force less than a specific value and for less than a specific time (the force value, time value, etc. can be flexibly set according to actual needs, such as a fourth preset force and a fourth preset duration); on the other hand, obtaining the screen position coordinates (including the first position and the second position) touched by the customer, determining whether they are within the coordinate position range required by family members in the family map, and entering a specific proxy payment function process after determining the operation target; obtaining the user ID corresponding to the first click position coordinates and the user ID corresponding to the second click position based on the operation coordinates recorded in the log, and then determining the permissions of the currently logged-in user. Finally, entering the proxy payment function process or being denied due to lack of permissions.

[0072] In another embodiment of the present invention, the business identifier of the business corresponding to the business processing instruction is determined based on the pressing force, pressing duration, and the user identifier triggered by the business processing instruction in the user map, including: when the operation event information includes two pressing forces and two pressing durations, and both pressing forces are greater than the fifth preset force, both pressing durations are greater than the fifth preset duration, and there is more than one user identifier triggered in the user map of the business processing instruction, determining the business identifier as an account custody identifier; determining the preset permission information of the business corresponding to the business processing instruction based on the business identifier, including: determining the account custody permission information based on the account custody identifier; processing the business corresponding to the business processing instruction for the user when the permission information of the user meets the requirements of the preset permission information, including: processing the account custody business for the user identifier triggered by the business processing instruction in the user map when the permission information of the user meets the account custody permission information.

[0073] Exemplarily, account custody includes related functions involving account authorization to another associated user, such as general account custody, children's account custody, etc.

[0074] like Figure 2As shown in the figure, when a user with a low permission presses "Me" (the entrusted party) and another associated user identifier (the managing party) simultaneously with two fingers, the corresponding function process will be entered and the information of the account trusteeship will be automatically filled out. If the pressing is not in accordance with this rule, there will be no response or a prompt such as "No permission" will be displayed. When a user with a high permission presses two associated user identifiers simultaneously with two fingers, the corresponding function process will be entered and the information of the account trusteeship will be automatically filled out.

[0075] In an embodiment of the present invention, the following steps are used to determine whether the operation of "simultaneous pressing" by the customer appears on the mobile client: Detect the touch events of the user on the mobile screen, including actions such as finger pressing and releasing, including the position of touching the screen, the pressing force, and the duration, etc.; Determine whether the click action of the user meets the condition of "simultaneous pressing", that is, on the one hand, the customer touches the screen with a force greater than a specific value for a time greater than a specific time (the force value, time value, etc. can be flexibly set according to actual needs, such as the fifth preset force and the fifth preset duration) and at the same time there are pressing operations at two positions, and on the other hand, obtain the screen position coordinates touched by the customer's two pressing operations, and determine whether they are within the coordinate position range required by the family members in the family tree; After determining the operation target, enter the specific account trusteeship function process; Obtain the user identifiers corresponding to the two pressing position coordinates according to the operation coordinates recorded in the log, and then determine the permission situation of the currently logged-in user, and finally enter the account trusteeship function process or be rejected due to a no-permission prompt.

[0076] The above embodiments are only some realizable forms of the banking business handling method of the present invention, and are not limited to only including the above methods. The function process of jumping can also be set according to actual needs and business emphases. For example, pinch inwards while holding two user identifiers with two fingers at the same time to uniformly manage the two user identifiers (such as account co-ownership, account binding, etc.); click multiple user identifiers simultaneously with multiple fingers to uniformly manage multiple user identifiers in a small range (such as signing up for a messenger, group chat call, etc.); hold a single finger and slide to frame a closed range to uniformly manage the user identifiers in a large range (such as fund collection, group red envelope sending, etc.).

[0077] In an embodiment of the present invention, a banking business handling device is also provided as described in the following embodiments. Since the principle of the device to solve the problem is similar to that of the banking business handling method, the implementation of the device can refer to the implementation of the banking business handling method, and the repeated parts will not be described again.

[0078] As Figure 4 shown, the figure is a schematic diagram of a banking business handling device provided by an embodiment of the present invention, including:

[0079] The first processing module 401 is configured to provide a page for establishing associated user information to the user when it is determined that the user has no associated user information after the user logs in to the mobile client; wherein, the page for establishing associated user information includes an entry for adding an associated user and an entry for setting permission information.

[0080] The second processing module 402 is configured to receive the associated user information and the permission information fed back by the user through the page for establishing associated user information; the permission information includes the user's permission information and the associated user's permission information.

[0081] The third processing module 403 is configured to send verification information to the associated user according to the associated user information and the permission information.

[0082] The fourth processing module 404 is configured to generate an associated user graph for the user when receiving the consent-to-associate information fed back by the associated user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers.

[0083] The fifth processing module 405 is configured to receive the service handling instruction submitted by the user according to the associated user graph and handle the service corresponding to the service handling instruction for the user.

[0084] In a possible implementation manner, the fifth processing module is specifically configured to receive the operation event information submitted by the user according to the associated user graph, determine the service identifier of the service corresponding to the service handling instruction according to the operation event information; determine the preset permission information of the service corresponding to the service handling instruction according to the service identifier; and handle the service corresponding to the service handling instruction for the user when the user's permission information meets the requirements of the preset permission information.

[0085] In a possible implementation manner, the operation event information includes: the position where the touch screen of the mobile client is pressed, the pressing force, the pressing duration, and the moving direction; the fifth processing module is specifically configured to determine the user identifier triggered by the service handling instruction in the user graph according to the position where the touch screen of the mobile client is pressed and the moving direction and the coordinate ranges of the user identifiers in the associated user graph on the touch screen of the mobile client; wherein, the user identifier triggered by the service handling instruction in the user graph is at least one; and determine the service identifier of the service corresponding to the service handling instruction according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph.

[0086] In a possible implementation manner, the fifth processing module is specifically configured to determine that the service identifier is an account query identifier when the pressing force is greater than a first preset force, the pressing duration is less than a first preset duration, and the user identifier triggered by the service handling instruction in the user graph is one; determine the account query permission information according to the account query identifier; and when the permission information of the user satisfies the account query permission information, send the account information corresponding to the user identifier triggered by the service handling instruction in the user graph to the user.

[0087] In a possible implementation manner, the fifth processing module is specifically configured to determine that the service identifier is a service identifier included in the investment and financial management service category when the pressing force is greater than a second preset force, the pressing duration is greater than a second preset duration, and the user identifier triggered by the service handling instruction in the user graph is one; send the service identifier included in the investment and financial management category to the user, and receive second operation event information fed back by the user according to the service identifier included in the investment and financial management category; determine the service identifier triggered by the service handling instruction in the investment and financial management service category according to the position where the touch screen of the mobile client is pressed and the moving direction in the second operation event information; determine the investment and financial management permission information according to the triggered service identifier; and when the permission information of the user satisfies the investment and financial management permission information, handle the investment and financial management service for the user identifier triggered by the service handling instruction in the user graph, where the investment and financial management service is the investment and financial management service corresponding to the service identifier triggered by the service handling instruction in the investment and financial management service category.

[0088] In a possible implementation manner, the fifth processing module is specifically configured to determine that the service identifier is a transfer identifier when the pressing force is greater than a third preset force, the pressing duration is less than a third preset duration, and the user identifier triggered by the service handling instruction in the user graph is more than one; determine the transfer permission information according to the transfer identifier; and when the permission information of the user satisfies the transfer permission information, handle the transfer service for the user identifier triggered by the service handling instruction in the user graph.

[0089] In a possible implementation manner, the fifth processing module is specifically configured to determine that the service identifier is an agency payment identifier when the pressing force is less than a fourth preset force, the pressing duration is less than a fourth preset duration, and the user identifier triggered by the service handling instruction in the user graph is more than one; determine the agency payment permission information according to the agency payment identifier; and when the permission information of the user satisfies the agency payment permission information, handle the agency payment service for the user identifier triggered by the service handling instruction in the user graph.

[0090] In a possible implementation manner, the fifth processing module is specifically configured to determine that the service identifier is an account trusteeship identifier when the operation event information includes two pressing forces and two pressing durations, both of the two pressing forces are greater than a fifth preset force, both of the two pressing durations are greater than a fifth preset duration, and the user identifiers triggered in the user map of the service handling instruction are more than one; determine the account trusteeship permission information according to the account trusteeship identifier; and handle the account trusteeship service for the user identifiers triggered in the user map by the service handling instruction when the permission information of the user satisfies the account trusteeship permission information.

[0091] Based on the foregoing inventive concept, as Figure 5 shown, the present invention also proposes a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and operable on the processor 520. When the processor 520 executes the computer program 530, the foregoing banking service handling method is implemented.

[0092] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the foregoing banking service handling method is implemented.

[0093] An embodiment of the present invention further provides a computer program product including a computer program, and when the computer program is executed by a processor, the foregoing banking service handling method is implemented.

[0094] In an embodiment of the present invention, when it is determined that the user has no associated user information after the user logs in to the mobile client, a page for establishing associated user information is provided to the user; wherein, the page for establishing associated user information includes an entry for adding an associated user and an entry for setting permission information; the associated user information and the permission information fed back by the user through the page for establishing associated user information are received; the permission information includes the permission information of the user and the permission information of the associated user; verification information is sent to the associated user according to the associated user information and the permission information; when the consent association information fed back by the associated user is received, an associated user map is generated for the user; wherein, the associated user map includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers; a service handling instruction submitted by the user according to the associated user map is received, and the service corresponding to the service handling instruction is handled for the user. In this way, by constructing an associated user map for the user, the user can enter the handling of the corresponding service on the mobile client based on the associated user map, and can complete the service handling without searching and complex operations on the mobile client, reducing the operation difficulty of service handling. And handling different services can also rely on the associated user map, without complex operations on different pages, so the service handling efficiency is improved and the user experience is enhanced.

[0095] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0096] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to the embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, as well as the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0097] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0098] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0099] The specific embodiments described above further elaborate on the purpose, technical solutions, and beneficial effects of the present invention. It should be understood that the above description is only for the specific embodiments of the present invention and is not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A banking service handling method, characterized in that, Including: When it is determined that the user has no associated user information after the user logs in to the mobile client, providing the user with a page for establishing associated user information; wherein, the page for establishing associated user information includes an entry for adding an associated user and an entry for setting permission information; Receiving the associated user information and the permission information fed back by the user through the page for establishing associated user information; the permission information includes the user's permission information and the associated user's permission information; Sending verification information to the associated user according to the associated user information and the permission information; When receiving the consent association information fed back by the associated user, generating an associated user graph for the user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between each user identifier; Receiving the service handling instruction submitted by the user according to the associated user graph, and handling the service corresponding to the service handling instruction for the user.

2. The banking service handling method according to claim 1, characterized in that, Receiving the service handling instruction submitted by the user according to the associated user graph, and handling the service corresponding to the service handling instruction for the user, including: Receiving the operation event information submitted by the user according to the associated user graph, and determining the service identifier of the service corresponding to the service handling instruction according to the operation event information; Determining the preset permission information of the service corresponding to the service handling instruction according to the service identifier; When the user's permission information meets the requirements of the preset permission information, handling the service corresponding to the service handling instruction for the user.

3. The banking service handling method according to claim 2, characterized in that The operation event information includes: the position where the mobile client touch screen is pressed, the pressing force, the pressing duration, and the moving direction; Receiving the operation event information submitted by the user according to the associated user graph, and determining the service identifier of the service corresponding to the service handling instruction according to the operation event information, including: According to the position where the mobile client touch screen is pressed and the moving direction, and the coordinate range of each user identifier in the associated user graph on the mobile client touch screen, determining the user identifier triggered by the service handling instruction in the user graph; wherein, the user identifier triggered by the service handling instruction in the user graph is at least one; Determining the service identifier of the service corresponding to the service handling instruction according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph.

4. The banking service handling method according to claim 3, wherein, Determining the service identifier of the service corresponding to the service handling instruction according to the pressing force, the pressing duration, and the user identifier triggered by the service handling instruction in the user graph, including: When the pressing force is greater than the first preset force, the pressing duration is less than the first preset duration, and the user identifier triggered by the service handling instruction in the user graph is one, determining the service identifier as the account query identifier; Determining the preset permission information of the service corresponding to the service handling instruction according to the service identifier, including: Determining the account query permission information according to the account query identifier; When the user's permission information meets the requirements of the preset permission information, handling the service corresponding to the service handling instruction for the user, including: When the user's permission information meets the account query permission information, sending the account information corresponding to the user identifier triggered by the service handling instruction in the user graph to the user.

5. The banking service handling method according to claim 3, wherein Determine the service identifier corresponding to the service handling instruction based on the pressing force, pressing duration, and user identifier triggered in the user graph by the service handling instruction, including: When the pressing force is greater than the second preset force, the pressing duration is greater than the second preset duration, and the number of user identifiers triggered in the user graph by the service handling instruction is one, determine that the service identifier is the service identifier included in the investment and financial management service category; Send the service identifier included in the investment and financial management category to the user, and receive the second operation event information fed back by the user according to the service identifier included in the investment and financial management category; Determine the service identifier triggered by the service handling instruction in the investment and financial management service category according to the position where the touch screen of the mobile client is pressed and the moving direction in the second operation event information; Determine the preset permission information corresponding to the service of the service handling instruction according to the service identifier, including: Determine the investment and financial management permission information according to the triggered service identifier; When the user's permission information meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: When the user's permission information meets the investment and financial management permission information, handle the investment and financial management service for the user identifier triggered in the user graph by the service handling instruction, and the investment and financial management service is the investment and financial management service corresponding to the service identifier triggered by the service handling instruction in the investment and financial management service category.

6. The banking service handling method according to claim 3, characterized in that, Determine the service identifier corresponding to the service of the service handling instruction based on the pressing force, pressing duration, and user identifier triggered in the user graph by the service handling instruction, including: When the pressing force is greater than the third preset force, the pressing duration is less than the third preset duration, and the number of user identifiers triggered in the user graph by the service handling instruction is greater than one, determine that the service identifier is the transfer identifier; Determine the preset permission information corresponding to the service of the service handling instruction according to the service identifier, including: Determine the transfer permission information according to the transfer identifier; When the user's permission information meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: When the user's permission information meets the transfer permission information, handle the transfer service for the user identifier triggered in the user graph by the service handling instruction.

7. The banking service handling method according to claim 3, characterized in that, Determine the service identifier corresponding to the service of the service handling instruction based on the pressing force, pressing duration, and user identifier triggered in the user graph by the service handling instruction, including: When the pressing force is less than the fourth preset force, the pressing duration is less than the fourth preset duration, and the number of user identifiers triggered in the user graph by the service handling instruction is greater than one, determine that the service identifier is the agency payment identifier; Determine the preset permission information corresponding to the service of the service handling instruction according to the service identifier, including: Determine the agency payment permission information according to the agency payment identifier; When the user's permission information meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: When the user's permission information meets the agency payment permission information, handle the agency payment service for the user identifier triggered in the user graph by the service handling instruction.

8. The banking service handling method according to claim 3, wherein, Determine the service identifier corresponding to the service handling instruction according to the pressing force, pressing duration, and user identifier triggered in the user graph by the service handling instruction, including: When the operation event information includes two pressing forces and two pressing durations, both of the two pressing forces are greater than the fifth preset force, both of the two pressing durations are greater than the fifth preset duration, and the user identifier triggered in the service handling instruction user graph is more than one, determine the service identifier as the account trusteeship identifier; Determine the preset permission information corresponding to the service handling instruction according to the service identifier, including: Determine the account trusteeship permission information according to the account trusteeship identifier; When the permission information of the user meets the requirements of the preset permission information, handle the service corresponding to the service handling instruction for the user, including: When the permission information of the user meets the account trusteeship permission information, handle the account trusteeship service for the user identifier triggered by the service handling instruction in the user graph.

9. A banking service handling device, characterized in that, Include: The first processing module is used to provide the user with an associated user information establishment page when it is determined that the user has no associated user information after the user logs in to the mobile client; wherein, the associated user information establishment page includes an associated user addition entry and a permission information setting entry; The second processing module is used to receive the associated user information and permission information fed back by the user through the associated user information establishment page; the permission information includes the permission information of the user and the permission information of the associated user; The third processing module is used to send verification information to the associated user according to the associated user information and the permission information; The fourth processing module is used to generate an associated user graph for the user when receiving the consent association information fed back by the associated user; wherein, the associated user graph includes the user identifier of the user, the user identifier of the associated user, and the association relationship between the user identifiers; The fifth processing module is used to receive the service handling instruction submitted by the user according to the associated user graph and handle the service corresponding to the service handling instruction for the user.

10. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the banking service handling method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, it implements the banking service handling method according to any one of claims 1 to 8.

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