E-bank service processing method and system

Abstract

The invention provides an online banking service processing method and system, and relates to the field of data processing, and the method comprises the steps: obtaining a to-be-handled online banking service, and positioning a target optimal shield device in a plurality of preset optimal shield devices based on a bank identifier of the to-be-handled online banking service; inputting an optimal shield password in an online banking login page corresponding to the to-be-handled online banking service through a simulation key-in module, and obtaining a target digital certificate in target optimal shield equipment in response to the fact that the input optimal shield password is verified to be correct; inputting a login password through a simulation key-in module, and entering a service operation interface in response to the fact that the target digital certificate is valid and the input login password is verified to be correct; entering a specific function interface from the service operation interface based on the to-be-handled online banking service and preset online banking interface characteristics, and performing data capture on the specific function interface to obtain original service data; and obtaining target business data according to the original business data. And the whole-process automatic processing of the online banking business is realized.

Description

Technical Field

[0001] The present disclosure relates to the field of data processing technology, and in particular to an online banking business processing method and system. Background Art

[0002] Currently, businesses face numerous operational challenges when conducting business using online banking. When it comes to managing your U-Shield accounts, businesses often need to maintain multiple bank U-Shield accounts simultaneously due to business needs. In practice, every transaction involving funds or important operations requires manually plugging and unplugging the corresponding U-Shield account. This frequent plugging and unplugging process is not only time-consuming and labor-intensive, but can also easily lead to mixing up or missing U-Shield accounts due to operator negligence, compromising business efficiency and security.

[0003] When acquiring and processing business data, companies need to obtain key data such as balances, transaction records, and receipts from multiple bank accounts. Because these systems are independent of each other, corporate finance personnel must log into each bank's online banking system to download data. The downloaded data comes in varying formats, making it difficult to use directly. Furthermore, manual sorting, matching, and archiving are tedious tasks. This time-consuming and time-consuming verification process is not only inefficient but also prone to omissions and mismatches, posing potential risks to the company. Summary of the Invention

[0004] The present disclosure provides an online banking business processing method and system to at least solve the above technical problems existing in the prior art.

[0005] According to a first aspect of the present disclosure, there is provided a method for processing online banking services, the method comprising: Obtain pending online banking services, and locate a target Youdun device among several pre-set Youdun devices based on the bank identifier of the pending online banking services; Entering the U-Shield password on the online banking login page corresponding to the pending online banking service through the simulated typing module, and in response to the input U-Shield password being verified as correct, obtaining the target digital certificate in the target U-Shield device; entering the login password through the simulated typing module, and in response to the target digital certificate being valid and the input login password being verified as correct, entering the service operation interface; Based on the pending online banking business and the preset online banking interface features, enter the specific function interface from the business operation interface, and capture data in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data; For structured data, convert it into JS key-value pair data; for unstructured data, extract preset key information and map it into structured fields; based on the JS key-value pair data and the structured fields, obtain the target business data.

[0006] In one possible implementation, locating a target Youdun device among a plurality of preset Youdun devices based on the bank identifier of the pending online banking service includes: Based on the bank identifier of the pending online banking service, a corresponding target port is matched in a hub base module pre-installed with several Youdun devices; Activate the power supply state of the target port, and the Youdun device connected to the target port is the target Youdun device.

[0007] In one possible implementation, obtaining the target digital certificate in the target Youdun device includes: Generate corresponding certificate identification parameters based on the attribute information of the pending online banking business; Parse the digital certificates stored in the target Youdun device and obtain the display information of each digital certificate; The digital certificate whose display information matches the certificate identification parameters is used as the target digital certificate.

[0008] In one possible implementation, the step of entering a specific function interface from a business operation interface based on the pending online banking business and preset online banking interface features includes: Obtaining the function entry feature corresponding to the pending online banking business from the preset online banking interface features; Locating a target function entry on the business operation interface based on the function entry feature, and jumping to a specific function interface in response to successfully locating the target function entry; In response to failure to locate the target function entry, the target function entry is relocated based on a backup positioning strategy corresponding to the function entry feature; in response to successful positioning of the target function entry, the user jumps to a specific function interface.

[0009] In one possible implementation, capturing data on a specific function interface to obtain original business data includes: In the specific function interface, based on the preset data table features, locate the data table area and extract the structured data of the preset fields; Based on the preset download entry features, locate the file download entry and trigger the download operation; Invoking a processing strategy for a download pop-up window triggered by a corresponding download operation according to the current browser type, and obtaining unstructured data based on the processing strategy; The structured data and the unstructured data are used as original business data.

[0010] In one embodiment, the method further comprises: Establishing a global account mapping table; the global account mapping table includes mapping relationships between online banking accounts and user accounts; The target business data is mapped based on the mapping relationship between the online banking account and the user account to obtain the basic data file.

[0011] In one embodiment, the method further comprises: Based on the bank's rule knowledge base, a field weight algorithm is used to perform multi-dimensional association on basic data files, and the association is successful to obtain a structured data file; In response to the association failure, an exception check is performed on the business primary key and the file content parsing result in the basic data file. If the exception check result is that no exception occurs, the association failure is forcibly marked as an association success.

[0012] In one embodiment, in response to successfully locating the target function entry, jumping to the specific function interface includes: In response to successfully locating the target functional entrance, an operation trajectory path is generated through a biomechanical model; Based on the operation trajectory path, click on the target function entrance to jump to the specific function interface.

[0013] According to a second aspect of the present disclosure, there is provided an online banking business processing system, the system comprising: Hub base module, used to pre-install several UShield devices; An automated operation module, configured to obtain pending online banking services and locate a target Youdun device among a plurality of pre-set Youdun devices based on the bank identifier of the pending online banking services; The automated operation module is further configured to input a U-Shield password on an online banking login page corresponding to the pending online banking service through a simulated typing module, and in response to the input U-Shield password being correct, obtain a target digital certificate in the target U-Shield device; and input a login password through the simulated typing module, and in response to the target digital certificate being valid and the input login password being correct, enter a business operation interface; The automated operation module is further configured to, based on the pending online banking business and the preset online banking interface features, enter a specific function interface from the business operation interface, and capture data in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data; The automated operation module is also used to convert structured data into JS key-value pair data; extract preset key information from unstructured data and map it into structured fields; and obtain target business data based on the JS key-value pair data and the structured fields.

[0014] In one embodiment, the system further includes a virtual network module for connecting the hub base module and the automation operation module.

[0015] According to a third aspect of the present disclosure, there is provided an electronic device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the online banking business processing method described in the present disclosure.

[0016] According to a fourth aspect of the present disclosure, a non-transitory computer-readable storage medium storing computer instructions is provided, wherein the computer instructions are used to enable the computer to execute the online banking business processing method described in the present disclosure.

[0017] The disclosed online banking business processing method and system solves the problem of manual plug-in and unplug-in management of multiple bank Youdun devices by obtaining pending online banking business and locating the target Youdun device based on its bank identification. The Youdun password and login password are automatically input through the simulated typing module, and the business operation interface is entered in combination with digital certificate verification, and the specific function interface is entered based on the preset online banking interface features. The original business data containing structured and unstructured data is automatically captured on the specific function page, and then the original business data is converted into target business data. It solves the problems of inconsistent data formats across banks and time-consuming and labor-intensive manual capture and integration of data. The overall online banking business processing is efficient, standardized and unmanned, which improves data processing efficiency and accuracy and reduces manual operation costs and error rates.

[0018] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present disclosure, nor are they intended to limit the scope of the present disclosure. Other features of the present disclosure will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The above and other objects, features and advantages of the exemplary embodiments of the present disclosure will become readily understood by reading the detailed description below with reference to the accompanying drawings, in which several embodiments of the present disclosure are shown by way of example and not limitation, wherein: In the drawings, the same or corresponding reference numerals denote the same or corresponding parts.

[0020] Figure 1 A schematic diagram illustrating an implementation flow of an online banking service processing method according to an embodiment of the present disclosure is shown; Figure 2 The schematic diagram of the composition structure of the online banking business processing system of the embodiment of the present disclosure is shown Figure 1 ; Figure 3 The schematic diagram of the structure of the online banking business processing system of the embodiment of the present disclosure is shown Figure 2 ; Figure 4 A schematic diagram of the structure of an electronic device according to an embodiment of the present disclosure is shown. DETAILED DESCRIPTION

[0021] To make the purposes, features, and advantages of the present disclosure more apparent and understandable, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present disclosure, not all of them. All other embodiments obtained by those skilled in the art based on the embodiments of the present disclosure without creative work shall fall within the scope of protection of the present disclosure.

[0022] According to a first aspect of the embodiment of the present disclosure, a method for processing online banking services is provided, such as Figure 1 As shown, the method includes the following steps: Step 101: Obtain pending online banking services, and locate a target Youdun device among several preset Youdun devices based on the bank identifier of the pending online banking services.

[0023] First, the system obtains the online banking services to be processed, i.e., pending online banking services, such as account statement inquiries and receipt downloads for a corporate account. Then, based on the bank ID associated with the pending online banking service, such as ICBC or CCB, the system locates the corresponding UShield device from among the pre-connected UShield devices. This device serves as the target UShield device. For example, when processing an ICBC transaction, the system locates the ICBC UShield device from among the multiple UShield devices.

[0024] Step 102: Enter the U-Shield password on the online banking login page corresponding to the pending online banking business through the simulation typing module. In response to the verification that the entered U-Shield password is correct, obtain the target digital certificate in the target U-Shield device; enter the login password through the simulation typing module. In response to the verification that the target digital certificate is valid and the entered login password is correct, enter the business operation interface.

[0025] The simulated typing module is a core component for automated password entry. It simulates keyboard operations based on the underlying system driver or UI (User Interface) automation framework. First, the simulated typing module collaborates with the browser automation function to automatically open the specified browser and locate the online banking login page corresponding to the pending online banking transaction. If the online banking login page is not detected after a period of polling, the browser is automatically switched and the above steps are repeated. The target U-Shield device's U-Shield password is entered through simulated keyboard typing. If the U-Shield password is verified correctly, the U-Shield Certificate Management module automatically extracts the target digital certificate from the target U-Shield device.

[0026] The simulated input module is then called to send the password character sequence to the password input box. Once the password is entered, the password length is immediately verified to be consistent with the preset length. If not, a retry mechanism is triggered, clearing the password box contents using the simulated input module's built-in clear function before retrying the input operation.

[0027] During this process, if the login process triggers other authentication steps such as sliding verification or image and text verification, the system will respond in real time and automatically complete the authentication. For sliding verification, the human operation simulation algorithm analyzes the relative position of the verification slider and the target area, generates a smooth sliding trajectory that conforms to biomechanical characteristics, and drives the simulated typing module to complete the slider drag. For image and text verification, the image recognition engine is enabled to analyze the text, graphics, or combined information in the verification image. The simulated typing module automatically fills the recognition results into the corresponding input box. If a single recognition fails, the verification image is automatically refreshed and the recognition is repeated.

[0028] Once the system confirms that the target digital certificate is valid (not expired and qualified), the login password has been verified, and additional authentication steps have been completed, the login button is automatically clicked. If a password change prompt pops up during the login process, the password update is completed according to pre-set rules, such as "original password + new password format verification." Finally, the system enters the polling detection state. Once it captures characteristic elements of the account management interface (such as the "My Account" menu), the login process is confirmed to be complete and the user is automatically redirected to the business operation interface.

[0029] Step 103 : Based on the pending online banking services and the preset online banking interface features, enter the specific function interface from the business operation interface, and capture data in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data.

[0030] Pre-set online banking interface features are pre-set identifiers for locating function entry points and data areas based on the interface design specifications of various banks. These identifiers include element location identifiers, button text, and interface URL (Uniform Resource Locator) features. Specifically, based on the type of pending online banking transaction, the pre-set online banking interface features are matched within the transaction operation interface to locate the corresponding function entry point, allowing users to click on the corresponding function interface. Next, within the specific function interface, the data table area is located using pre-set table features such as table IDs and row / column labels to extract structured data such as transaction amount, transaction time, and counterparty account number. Simultaneously, pre-set identifiers for the file download entry point, such as the download button's class attribute and link text, trigger the download operation and save unstructured data such as PDF receipts. Finally, the extracted structured data is integrated with the saved unstructured data to obtain the original transaction data.

[0031] Step 104: for structured data, convert it into JS key-value pair data; for unstructured data, extract preset key information and map it into structured fields; based on the JS key-value pair data and the structured fields, obtain target business data.

[0032] For structured data in the original business data, such as transaction amounts and times extracted from online banking forms, directly convert them into JS key-value pair format to ensure that the data structure meets the standardized requirements for subsequent processing.

[0033] For unstructured data such as PDF receipts and scanned documents, we use pre-set information extraction rules to extract key information from the files, such as the transaction amount and the content of the notes in the receipt. This extracted information is then mapped to pre-set structured fields. Finally, the converted JS key-value data is integrated with the structured fields mapped from the unstructured data to form the target business data in a unified format.

[0034] The method of this embodiment solves the problem of manual plug-in and unplug-out management of Youdun devices for multiple banks by obtaining pending online banking services and locating the target Youdun device based on the bank's identification. The Youdun password and login password are automatically entered through the simulated typing module, and the business operation interface is entered in combination with digital certificate verification. Based on the preset online banking interface features, the specific function interface is entered to capture the original business data containing structured and unstructured data. The structured data is then converted into JS key-value pairs, and the unstructured data is extracted and mapped into structured fields to obtain the target business data, which solves the problem of inconsistent data formats across banks and time-consuming and labor-intensive manual capture and integration of data. The overall online banking business processing is efficient, standardized and unmanned, which improves data processing efficiency and accuracy, and reduces manual operation costs and error rates.

[0035] In another possible implementation manner, the target Youdun device is located among several pre-set Youdun devices based on the bank identification of the pending online banking business, including: matching the corresponding target port in a hub base module pre-set with several Youdun devices based on the bank identification of the pending online banking business; activating the power supply status of the target port, and the Youdun device connected to the target port is the target Youdun device.

[0036] The hub base module integrates ports for various mainstream USB hubs, and each port has an electrostatic surge protection function to prevent burnout of the port and the U-Shield device. It is also compatible with USB2.0 / 3.0 protocols and can automatically identify the type of inserted U-Shield device and load the corresponding bank driver. All U-Shield devices are pre-inserted into the ports of the hub base module, and each U-Shield device is associated with its corresponding online banking URL address, Apus IP, Apus Ukey port number, Ukey password, robotic arm port number and other parameters to achieve the binding of hardware resources and business data. The robotic arm port corresponds to the hardware component that dynamically operates the U-Shield physical button, which is used to simulate physical operations such as manually pressing the U-Shield confirmation button.

[0037] Specifically, by identifying the bank ID of a pending online banking transaction, the hub management module locates the target device through the following process: First, it scans the load status of all connected hubs, such as the number of currently running tasks and port occupancy. It then matches the bank ID to a pre-stored "bank-USB-Shield-port" mapping and automatically selects the hub with the lowest load and its corresponding port as the target port, ensuring optimal resource utilization. It then sends a power activation command to the target port. Once activated, the port automatically identifies the connected USB-Shield device type and dynamically loads the bank's dedicated driver and certificate. It also uses the robotic arm port to perform physical USB-Shield key presses (such as pressing the "Confirm" button). Throughout this process, a fuse protection strategy is implemented: power is activated before the USB-Shield device is used and immediately triggered to power off after the operation is completed, reducing device power loss and extending the lifespan of the USB-Shield device and hub. If the target port experiences a simulated keystroke error during activation, such as a driver response timeout or port communication interruption, the faulty port is immediately disabled and an available port with the same bank ID is matched from the backup port pool. The activation process is repeated, ensuring that USB-Shield device location is not affected by a single point of failure.

[0038] The solution of this embodiment realizes the access, automatic identification and centralized management of hardware resources of different banks' Youdun devices through the multi-device compatible architecture and intelligent scheduling mechanism of the hub base module, solves the problems of manual plugging and unplugging of multiple banks' Youdun devices and driver conflicts, and improves the hardware adaptability and operational stability of automated processing of online banking business.

[0039] In another possible implementation method, obtaining the target digital certificate in the target U-Shield device includes: generating corresponding certificate identification parameters based on the attribute information of the pending online banking business; parsing the digital certificates stored in the target U-Shield device to obtain display information of each digital certificate; and using the digital certificate whose display information matches the certificate identification parameters as the target digital certificate.

[0040] A digital certificate is an electronic credential used to identify a user and typically contains information such as the certificate holder, public key, and issuing authority. Certificate identification parameters are matching criteria for selecting specific certificates, generated based on attributes such as the business type and bank type of the pending online banking transaction. Display information refers to the readable content of the digital certificate that can be parsed, such as the certificate name, associated account number, and validity period.

[0041] The specific implementation process is as follows: First, based on the attribute information of the pending online banking business, such as the business type is "corporate transfer", the bank is "Industrial and Commercial Bank of China", the operating account is "a certain company's basic account", etc., generate certificate identification parameters containing business type keywords, bank identification or account information, etc. as the basis for screening target certificates. Next, access the located target Youdun device through the Youdun certificate management module, parse all the digital certificates stored inside it, and extract the display information of each certificate. Finally, match the display information of each certificate with the generated certificate identification parameters. When the display information fully meets or part of the key information matches the preset threshold, the certificate is determined as the target digital certificate for subsequent login authentication processes. If the target data certificate is not matched, an execution exception signal is thrown.

[0042] The solution of this embodiment ensures that the correct digital certificate can be quickly obtained in the Youdun device where multiple certificates coexist by accurately matching the attribute information with the certificate display information, avoiding authentication failures caused by certificate call errors, and improving the accuracy and efficiency of online banking business processing.

[0043] In another possible implementation, entering a specific function interface from a business operation interface based on the pending online banking business and the preset online banking interface features includes: obtaining a function entry feature corresponding to the pending online banking business in the preset online banking interface features; locating a target function entry in the business operation interface based on the function entry feature, and in response to successfully locating the target function entry, jumping to a specific function interface; in response to unsuccessful locating of the target function entry, relocating the target function entry based on a backup positioning strategy corresponding to the function entry feature, and in response to successfully locating the target function entry, jumping to the specific function interface.

[0044] Pre-set online banking interface features refer to a set of identifiers generated by analyzing the interface design and functional layout of different bank online banking systems. These include element location identifiers (such as XPath paths and CSS selectors), button text, and interface URL features. These identifiers are used to quickly identify and locate specific functions. Function entry features are key identifiers directly related to pending online banking transactions extracted from the pre-set online banking interface features and serve as the basis for locating the target function entry.

[0045] Specifically, the system first selects the corresponding function entry features from the preset online banking interface features based on the type of pending online banking service. For example, if the pending service is "download electronic receipt," the text, icon, element coordinates, and other information related to the "electronic receipt" button are extracted as function entry features. Next, based on these features, the system scans and matches the online banking service interface. If the target function entry is successfully located, such as a button labeled "electronic receipt," a jump operation is immediately triggered to the specific function interface.

[0046] If the name of the interface element of the bank's online banking system changes, or the interface layout is adjusted due to the update of the online banking system version, the target function entrance may fail to be located. At this time, the backup positioning strategy corresponding to the function entrance characteristics is activated, and a differentiated or supplementary positioning method different from the current function entrance characteristics is adopted. For example, when the button cannot be located based on the text information, the XPath path or CSS selector is used to re-position it accurately; if the original element locator becomes invalid due to the system update, it is automatically switched to the backup element positioning identifier, or the positioning timeout period is dynamically adjusted and positioning is attempted again. According to the backup positioning strategy, the target function entrance is searched again in the business operation interface. Once successfully located, the jump operation is immediately executed to enter the specific function interface.

[0047] The solution process of this embodiment uses configurable feature matching and a multi-dimensional retry mechanism to achieve adaptive positioning of the functional entrances of different bank online banking systems. Even in complex situations such as interface layout differences, network delays, and element changes, it can stably and accurately enter the target functional interface, meeting the needs of automated business information collection.

[0048] In another possible implementation, the data capture is performed in a specific function interface to obtain original business data, including: in the specific function interface, based on preset data table features, locating the data table area, and extracting structured data of preset fields; based on preset download entry features, locating the file download entry, and triggering a download operation; calling the processing strategy of the download pop-up window triggered by the corresponding download operation according to the current browser type, and obtaining unstructured data based on the processing strategy; and using the structured data and the unstructured data as original business data.

[0049] Preset data table features refer to predefined identifiers used to identify table areas, such as table IDs, header labels, and specific row and column layouts. Preset download entry features are identifiers used to locate file download functions, such as the download button's text, icon, or element locator. The download pop-up processing strategy is tailored to the differentiated operational logic of download pop-ups in different browsers, ensuring the automated execution of the file download process.

[0050] Specifically, within the functional interface, the system first locates the table containing structured data based on pre-set data table features, such as identifying table areas containing headers like "Transaction Time" and "Amount." It then extracts information from pre-set fields, such as the transaction date, counterparty account, and transaction amount in the transaction flow, to construct structured data. Simultaneously, it triggers a file download based on pre-set download entry features, such as locating a button or link labeled "Download Receipt." It also identifies the currently used browser type and invokes the corresponding download pop-up processing strategy. For example, it automatically clicks "Save" on the Chrome download confirmation pop-up and selects the pre-set download directory on the Firefox path selection pop-up. It also supports resumable downloads and file overwrite strategies based on the overwrite_mode parameter, such as skipping existing files when set to "skip" or replacing old files when set to "replace." Through these operations, it retrieves unstructured data, such as PDF receipts. Finally, the extracted structured data is integrated with the downloaded unstructured data to form the original business data.

[0051] The solution of this embodiment realizes the automatic capture of different types of online banking data through universal download control and multi-source data collection mechanism, adapts to various browser environments and data formats, and ensures the integrity and accuracy of original business data.

[0052] In another possible implementation, the method further includes: establishing a global account mapping table; the global account mapping table includes a mapping relationship between online banking accounts and user accounts; mapping the target business data based on the mapping relationship between online banking accounts and user accounts to obtain a basic data file.

[0053] The global account mapping table is a structured data storage format that records the correspondence between online banking accounts and user accounts. It also contains attribute information such as account name and data type, enabling unified association and management of multi-source data. Online banking accounts refer to accounts used for business operations within various banks' online banking systems, such as corporate accounts opened with Industrial and Commercial Bank of China or China Merchants Bank. User accounts refer to account identifiers used to manage funds and data within a company's internal treasury management system or other business systems, and are mapped to online banking accounts.

[0054] For example, first create a global account mapping table and construct structured data records in JSON format, such as {"bank_acc":"1234567890123456","bank_name":"Account of a certain bank branch","data_type":["balance","transaction"]}. Bank_acc corresponds to an online banking account and is used to establish an association with the online banking account in the target business data. Bank_name records the account name for easy identification by business personnel. Data_type specifies the data type associated with the account (such as balance inquiry and transaction flow).

[0055] After establishing the mapping table, the online banking account information contained in the target business data is compared with the bank_acc field in the global account mapping table. Automatic association and matching is achieved using the business primary key (e.g., account number + timestamp, etc., which is a unique identifier). If a corresponding record exists in the mapping table for the online banking account in the target business data, the data is mapped to the corresponding user account. If no matching record is found, an exception flagging mechanism is triggered, and the status: "missing" field is added to the data record to indicate that the data is missing or incompletely mapped.

[0056] Ultimately, all target business data is processed based on the mapping relationship between online banking accounts and user accounts, integrating them into a basic data archive. This archive contains uniformly mapped structured data. Subsequently, a standardized output engine automatically matches compliance message templates based on business types, performs field-level data conversion (such as standardizing monetary units and time formats), and controls data output through a configurable upload switch. Encrypted data is pushed to the target system via a REST API, with automatic retransmission in the event of a transmission failure, achieving standardized data processing and multi-terminal synchronization.

[0057] In another possible implementation, the method further includes: based on the bank rule knowledge base, using a field weight algorithm to perform multi-dimensional association on the basic data archive, and obtaining a structured data archive if the association is successful; in response to an association failure, performing an anomaly check on the business primary key and file content parsing results in the basic data archive, and if the anomaly check result is that no anomaly has occurred, forcibly marking the association failure as an association success.

[0058] The bank rule knowledge base is a structured database that integrates the receipt formats, business rules, and data association logic of various banks. It contains information such as the field characteristics, matching rules, and priorities of different bank receipts. Specifically, the bank rule knowledge base is first constructed. Based on the receipt format specifications and business characteristics of each bank, the key fields of different bank receipts are sorted out. For example, ICBC receipts include "transaction serial number" and "postscript," while China Merchants Bank receipts include "transaction type" and "payment and collection mark." Weights are then assigned to each field, for example, 40% for transaction amount, 30% for counterparty account, 20% for transaction time, and 10% for postscript keywords. Weights are determined based on the importance of the field in receipt matching.

[0059] When a receipt needs to be linked, a field weighting algorithm is invoked to extract information from the receipt, such as the transaction time, amount, and counterparty account, and compare it with the corresponding fields in the company's internal business records (such as payment and receipt documents in the ERP system). The matching degree of each field is weighted according to the preset weights to determine the overall matching degree. When the overall matching degree reaches the preset threshold, the receipt is successfully linked to the business record. If the matching degree is insufficient, an exception flag or manual review process is triggered.

[0060] The solution of this embodiment combines a bank rule knowledge base with a field weight algorithm to achieve intelligent association between receipts and business data. This solves the problems of low manual matching efficiency and large differences in receipt formats across banks, improves the accuracy and automation of data association, and is particularly suitable for corporate treasury management scenarios with frequent transactions and large receipt volumes.

[0061] In another possible embodiment, in response to successfully locating the target function entrance, jumping to a specific function interface includes: in response to successfully locating the target function entrance, generating an operation trajectory path through a biomechanical model; performing a click operation on the target function entrance based on the operation trajectory path, and jumping to the specific function interface.

[0062] Once the system successfully locates the target function entry, it invokes a biomechanical model. Based on pre-collected and trained human hand manipulation data, this model simulates the behavioral characteristics of real-world operations and generates a trajectory that aligns with human operating habits. For example, based on the location of the target function entry on the screen, the model simulates the curved trajectory of a natural mouse cursor movement from the current position to the target location. It also generates parameters such as click force and speed, making the operation more realistic and similar to real human behavior.

[0063] After generating the operation trajectory path, the system performs a click operation on the target function entrance based on the path. Specifically, the system will control the virtual mouse to move smoothly from the starting point to the target function entrance position according to the movement trajectory recorded in the trajectory path, and perform the click action according to the set force and speed parameters. After the click is completed, the system automatically jumps to the specific function interface. Through the application of biomechanical models and operation trajectory paths, this implementation method simulates real human operation behavior during the automated operation process. Compared with the traditional direct positioning and clicking method, it can effectively reduce the probability of the bank system triggering security restrictions or anti-automation detection due to abnormal operation modes, and improve the stability and reliability of automated processing of online banking business.

[0064] According to a second aspect of the embodiment of the present disclosure, there is provided an online banking business processing system, such as Figure 2 As shown, the system includes: Hub base module 201, used to pre-install several Youdun devices; The automated operation module 202 is configured to obtain pending online banking services and locate a target Youdun device among a plurality of pre-set Youdun devices based on the bank identifier of the pending online banking services; The automated operation module 202 is further configured to input the U-Shield password on the online banking login page corresponding to the pending online banking service through the simulated input module, and in response to the input U-Shield password being correct, obtain the target digital certificate in the target U-Shield device; input the login password through the simulated input module, and in response to the target digital certificate being valid and the input login password being correct, enter the service operation interface; The automated operation module 202 is further configured to access a specific function interface from the business operation interface based on the pending online banking business and the preset online banking interface features, and to capture data in the specific function interface to obtain raw business data; the raw business data includes structured data and unstructured data; The automated operation module 202 is also used to convert structured data into JS key-value pair data; extract preset key information from unstructured data and map it into structured fields; and obtain target business data based on the JS key-value pair data and the structured fields.

[0065] In one embodiment, Figure 3 As shown, the system further includes a virtual network module 203 for connecting the hub base module and the automation operation module to achieve remote access to the U-Shield device.

[0066] In one embodiment, Figure 3As shown, the automated operation module includes a hub management module, which is used to match the corresponding target port in the hub base module pre-installed with several Youdun devices based on the bank identification of the pending online banking business; activate the power supply status of the target port, and the Youdun device connected to the target port is the target Youdun device.

[0067] In one embodiment, Figure 3 As shown, the automated operation module also includes a U-Shield certificate management module, which is used to generate corresponding certificate identification parameters based on the attribute information of the pending online banking business; parse the digital certificates stored in the target U-Shield device to obtain the display information of each digital certificate; and use the digital certificate whose display information matches the certificate identification parameters as the target digital certificate.

[0068] In one embodiment, Figure 3 As shown, the automated operation module also includes a page jump module, which is used to obtain the function entry characteristics corresponding to the pending online banking business in the preset online banking interface characteristics; locate the target function entry in the business operation interface based on the function entry characteristics, and jump to the specific function interface in response to successfully locating the target function entry; in response to unsuccessful locating of the target function entry, relocate the target function entry based on the backup positioning strategy corresponding to the function entry characteristics, and jump to the specific function interface in response to successfully locating the target function entry.

[0069] In one embodiment, Figure 3 As shown, the automated operation module also includes a data acquisition module, which locates the data table area based on the preset data table features in the specific function interface and extracts the structured data of the preset fields; locates the file download entrance based on the preset download entrance features and triggers the download operation; calls the processing strategy of the download pop-up window triggered by the corresponding download operation according to the current browser type, and obtains unstructured data based on the processing strategy; and uses the structured data and the unstructured data as original business data.

[0070] In one embodiment, Figure 3 As shown, the automated operation module also includes a data matching module for establishing a global account mapping table; the global account mapping table includes a mapping relationship between online banking accounts and user accounts; the target business data is mapped based on the mapping relationship between online banking accounts and user accounts to obtain a basic data file.

[0071] In one possible implementation, the data matching module is also used to perform multi-dimensional association of basic data files based on the bank rule knowledge base using a field weight algorithm, and obtain a structured data file if the association is successful; in response to an association failure, an anomaly check is performed on the business primary key and file content parsing results in the basic data file. If the anomaly check result is that no anomaly has occurred, the association failure is forcibly marked as an association success.

[0072] In one embodiment, the page jump module is further used to generate an operation trajectory path through a biomechanical model in response to successfully locating the target function entrance; perform a click operation on the target function entrance based on the operation trajectory path to jump to a specific function interface.

[0073] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device and a readable storage medium.

[0074] Figure 4 A schematic block diagram of an example electronic device that can be used to implement an embodiment of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present disclosure described and / or claimed herein.

[0075] like Figure 4 As shown, device 800 includes a computing unit 801, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 802 or a computer program loaded from a storage unit 808 into a random access memory (RAM) 803. RAM 803 may also store various programs and data required for the operation of device 800. Computing unit 801, ROM 802, and RAM 803 are interconnected via a bus 804. An input / output (I / O) interface 805 is also connected to bus 804.

[0076] Various components in device 800 are connected to I / O interface 805, including an input unit 806, such as a keyboard, mouse, etc.; an output unit 807, such as various types of displays, speakers, etc.; a storage unit 808, such as a magnetic disk, optical disk, etc.; and a communication unit 809, such as a network card, modem, wireless communication transceiver, etc. The communication unit 809 allows device 800 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0077] The computing unit 801 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of the computing unit 801 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The computing unit 801 performs the various methods and processes described above, such as the online banking transaction processing method. For example, in some embodiments, the online banking transaction processing method may be implemented as a computer software program tangibly embodied in a machine-readable medium, such as the storage unit 808. In some embodiments, part or all of the computer program may be loaded and / or installed onto the device 800 via the ROM 802 and / or the communication unit 809. When the computer program is loaded into the RAM 803 and executed by the computing unit 801, one or more steps of the online banking transaction processing method described above may be performed. Alternatively, in other embodiments, the computing unit 801 may be configured to perform the online banking transaction processing method via any other suitable means (e.g., via firmware).

[0078] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on a chip (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0079] The program code for implementing the method of the present disclosure can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device so that when the program code is executed by the processor or controller, the functions / operations specified in the flow chart and / or block diagram are implemented. The program code can be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0080] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, apparatus, or device. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of machine-readable storage media may include an electrical connection based on one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), optical fibers, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0081] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0082] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network (LAN), a wide area network (WAN), and the Internet.

[0083] A computer system may include a client and a server. The client and server are generally remote from each other and typically interact through a communication network. The client-server relationship arises through computer programs running on the respective computers and having a client-server relationship with each other. The server may be a cloud server, a server in a distributed system, or a server integrated with a blockchain.

[0084] It should be understood that the various forms of processes shown above can be used to reorder, add, or delete steps. For example, the steps described in this disclosure can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solutions of this disclosure can be achieved, and this document is not limited here.

[0085] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features being referred to. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. Throughout the present disclosure, "plurality" means two or more, unless otherwise specifically defined.

[0086] The above description is merely a specific embodiment of the present disclosure, but the scope of protection of the present disclosure is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this disclosure should be included in the scope of protection of the present disclosure. Therefore, the scope of protection of the present disclosure should be based on the scope of protection of the claims.

Claims

1. A method for processing online banking services, characterized in that: The method comprises: Obtain pending online banking services, and locate a target Youdun device among several pre-set Youdun devices based on the bank identifier of the pending online banking services; Entering the U-Shield password on the online banking login page corresponding to the pending online banking service through the simulated typing module, and in response to the input U-Shield password being verified as correct, obtaining the target digital certificate in the target U-Shield device; entering the login password through the simulated typing module, and in response to the target digital certificate being valid and the input login password being verified as correct, entering the service operation interface; Based on the pending online banking business and the preset online banking interface features, enter the specific function interface from the business operation interface, and capture data in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data; For structured data, convert it into JS key-value pair data; for unstructured data, extract preset key information and map it into structured fields; based on the JS key-value pair data and the structured fields, obtain the target business data.

2. The method according to claim 1, characterized in that The method of locating a target Youdun device among several preset Youdun devices based on the bank identifier of the pending online banking service includes: Based on the bank identifier of the pending online banking service, a corresponding target port is matched in a hub base module pre-installed with several Youdun devices; Activate the power supply state of the target port, and the Youdun device connected to the target port is the target Youdun device.

3. The method according to claim 1, characterized in that The obtaining of the target digital certificate in the target U-Shield device includes: Generate corresponding certificate identification parameters based on the attribute information of the pending online banking business; Parse the digital certificates stored in the target Youdun device and obtain the display information of each digital certificate; The digital certificate whose display information matches the certificate identification parameters is used as the target digital certificate.

4. The method according to claim 1, wherein The step of entering a specific function interface from a business operation interface based on the pending online banking business and the preset online banking interface features includes: Obtaining the function entry feature corresponding to the pending online banking business from the preset online banking interface features; Locating a target function entry on the business operation interface based on the function entry feature, and jumping to a specific function interface in response to successfully locating the target function entry; In response to unsuccessful positioning of the target function entry, the target function entry is relocated based on the backup positioning strategy corresponding to the function entry feature, and in response to successful relocation of the target function entry, the user jumps to the specific function interface.

5. The method according to claim 1, wherein The data is captured on the specific function interface to obtain the original business data, including: In the specific function interface, based on the preset data table features, locate the data table area and extract the structured data of the preset fields; Based on the preset download entry features, locate the file download entry and trigger the download operation; Invoking a processing strategy for a download pop-up window triggered by a corresponding download operation according to the current browser type, and obtaining unstructured data based on the processing strategy; The structured data and the unstructured data are used as original business data.

6. The method according to claim 1, characterized in that The method further comprises: Establishing a global account mapping table; the global account mapping table includes mapping relationships between online banking accounts and user accounts; The target business data is mapped based on the mapping relationship between the online banking account and the user account to obtain the basic data file.

7. The method according to claim 6, characterized in that The method further comprises: Based on the bank's rule knowledge base, a field weight algorithm is used to perform multi-dimensional association on basic data files, and the association is successful to obtain a structured data file; In response to the association failure, an exception check is performed on the business primary key and the file content parsing result in the basic data file. If the exception check result is that no exception occurs, the association failure is forcibly marked as an association success.

8. The method according to claim 4, characterized in that In response to successfully locating the target function entrance, jumping to the specific function interface includes: In response to successfully locating the target functional entrance, an operation trajectory path is generated through a biomechanical model; Based on the operation trajectory path, click on the target function entrance to jump to the specific function interface.

9. An online banking business processing system, characterized in that: The system comprises: Hub base module, used to pre-install several UShield devices; An automated operation module, configured to obtain pending online banking services and locate a target Youdun device among a plurality of pre-set Youdun devices based on the bank identifier of the pending online banking services; The automated operation module is further configured to input a U-Shield password on an online banking login page corresponding to the pending online banking service through a simulated typing module, and in response to the input U-Shield password being correct, obtain a target digital certificate in the target U-Shield device; and input a login password through the simulated typing module, and in response to the target digital certificate being valid and the input login password being correct, enter a business operation interface; The automated operation module is further configured to, based on the pending online banking business and the preset online banking interface features, enter a specific function interface from the business operation interface, and capture data in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data; The automated operation module is also used to convert structured data into JS key-value pair data; extract preset key information from unstructured data and map it into structured fields; and obtain target business data based on the JS key-value pair data and the structured fields.

10. The system according to claim 9, characterized in that The system further comprises a virtual network module for connecting the hub base module and the automation operation module.

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