An online banking service processing method and system

Abstract

The present disclosure provides a net bank business processing method and system, relating to the field of data processing, the method comprising: obtaining a to-be-done net bank business, locating a target shield device among a plurality of preset shield devices based on the bank identifier of the to-be-done net bank business; inputting a shield password on a net bank login page corresponding to the to-be-done net bank business through a simulated input module, and obtaining a target digital certificate in the target shield device in response to the input shield password being verified correct; inputting a login password through the simulated input module, and entering a business operation interface in response to the target digital certificate being valid and the input login password being verified correct; entering a specific function interface from the business operation interface based on the to-be-done net bank business and preset net bank interface features, performing data grabbing in the specific function interface, and obtaining original business data; and obtaining target business data according to the original business data. The present disclosure realizes full-automatic processing of net bank business.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of data processing, and particularly relates to a bank business processing method and system. BACKGROUND

[0002] At present, enterprises face many operation problems when using bank to carry out business. In the aspect of token management, enterprises often need to hold multiple bank tokens due to business needs. In the actual operation process, each time a fund transaction or important operation is performed, the corresponding token needs to be manually inserted and pulled out. This frequent insertion and pulling operation not only consumes time and effort, but also easily leads to token mixing or omission due to negligence, affecting business efficiency and safety.

[0003] In the aspect of business data acquisition and processing, enterprises need to acquire balance, transaction flow, single file and other key data from multiple bank accounts. Since each bank system is independent of each other, the financial personnel of the enterprise must log in to the bank system of different banks one by one to perform the download operation. After downloading, the formats of various data are different, which is difficult to use directly, and manual tedious sorting, matching and archiving work is also needed. It needs to spend a lot of time to check, which is not only low in efficiency, but also easy to miss or mismatch, which brings potential risks to the enterprise. SUMMARY

[0004] The present disclosure provides a bank 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, a bank business processing method is provided, the method comprising:

[0006] acquiring a to-be-handled bank business, and based on a bank identifier of the to-be-handled bank business, positioning a target token device in a plurality of preset token devices;

[0007] inputting a token password on a bank login page corresponding to the to-be-handled bank business through a simulated input module, and in response to the input token password being verified as correct, acquiring a target digital certificate in the target token device; inputting a login password through the simulated input module, and in response to the target digital certificate being valid and the input login password being verified as correct, entering a business operation interface;

[0008] based on the to-be-handled bank business and a preset bank interface feature, entering a specific function interface from the business operation interface, performing data grabbing in the specific function interface, and obtaining original business data; the original business data includes structured data and unstructured data;

[0009] For structured data, it is converted into JS key-value pair data; for unstructured data, preset key information is extracted and mapped into structured fields; based on the JS key-value pair data and the structured fields, target business data is obtained.

[0010] In an implementable manner, based on the bank identification of the to-be-performed online banking business, a target shield device is located in a plurality of preset shield devices, including:

[0011] Based on the bank identification of the to-be-performed online banking business, a corresponding target port is matched in a hub base module in which a plurality of shield devices are preset;

[0012] The power supply state of the target port is activated, and the shield device accessed in the target port is the target shield device.

[0013] In an implementable manner, the target digital certificate in the target shield device is obtained, including:

[0014] According to the attribute information of the to-be-performed online banking business, a corresponding certificate identification parameter is generated;

[0015] The digital certificates stored in the target shield device are parsed to obtain display information of each digital certificate;

[0016] The digital certificate with matching display information and certificate identification parameter is taken as the target digital certificate.

[0017] In an implementable manner, based on the to-be-performed online banking business and preset online banking interface features, the specific function interface is entered from the business operation interface, including:

[0018] The function entry feature corresponding to the to-be-performed online banking business in the preset online banking interface feature is obtained;

[0019] Based on the function entry feature, the target function entry is located in the business operation interface, and in response to successfully locating the target function entry, the specific function interface is jumped to;

[0020] In response to unsuccessfully locating the target function entry, the target function entry is repositioned based on the backup positioning strategy corresponding to the function entry feature, and in response to successfully locating the target function entry, the specific function interface is jumped to.

[0021] In an implementable manner, the data is extracted in the specific function interface to obtain original business data, including:

[0022] In the specific function interface, based on the preset data table feature, the data table region is located, and the structured data of the preset field is extracted;

[0023] Position a file download portal based on a preset download portal feature, and trigger a download operation;

[0024] Invoke a processing strategy of a download pop-up window triggered by a corresponding download operation according to a current browser type, and obtain unstructured data based on the processing strategy;

[0025] Take the structured data and the unstructured data as raw business data.

[0026] In an implementable manner, the method further comprises:

[0027] Establish a global account mapping table; the global account mapping table comprises a mapping relationship between a bank account and a user account;

[0028] Map target business data based on the mapping relationship between the bank account and the user account to obtain a basic data archive.

[0029] In an implementable manner, the method further comprises:

[0030] Based on a bank rule knowledge base, a field weight algorithm is used to perform multi-dimensional association on the basic data archive, and a structured data archive is obtained if the association is successful;

[0031] In response to a failed association, an exception check is performed on a business primary key and a file content analysis result in the basic data archive, and if the exception check result is that no exception occurs, the failed association is forcibly marked as successful association.

[0032] In an implementable manner, in response to successfully locating the target function portal, jumping to a specific function interface comprises:

[0033] In response to successfully locating the target function portal, an operation trajectory path is generated through a biomechanical model;

[0034] Based on the operation trajectory path, a click operation is performed on the target function portal to jump to a specific function interface.

[0035] According to a second aspect of the present disclosure, a bank business processing system is provided, and the system comprises:

[0036] A hub base module is configured to preset a plurality of shield devices;

[0037] An automatic operation module is configured to obtain a to-be-completed bank business, and locate a target shield device in the preset plurality of shield devices based on a bank identifier of the to-be-completed bank business;

[0038] The automated operation module is also used to input the UShield password on the online banking login page corresponding to the pending online banking business through the simulated typing module, and to obtain the target digital certificate in the target UShield device in response to the input UShield password being correct; and to enter the business operation interface in response to the target digital certificate being valid and the input login password being correct by inputting the login password through the simulated typing module.

[0039] The automated operation module is also used to enter 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 the original business data; the original business data includes structured data and unstructured data.

[0040] The automated operation module is also used to convert structured data into JS key-value pairs; extract preset key information from unstructured data and map it into structured fields; and obtain target business data based on the JS key-value pairs and the structured fields.

[0041] In one embodiment, the system further includes a virtual network module for connecting the hub base module and the automation operation module.

[0042] According to a third aspect of this disclosure, an electronic device is provided, comprising:

[0043] At least one processor;

[0044] and a memory communicatively connected to the at least one processor; wherein,

[0045] The memory stores instructions that can be executed by the at least one processor, which, when executed by the at least one processor, enables the at least one processor to perform the online banking business processing method described in this disclosure.

[0046] According to a fourth aspect of this disclosure, a non-transitory computer-readable storage medium is provided that stores computer instructions for causing the computer to perform the online banking business processing method described in this disclosure.

[0047] The online banking business processing method and system of the present disclosure solves the problem of manual plugging management of multi-bank tokens by obtaining the to-be-done online banking business and positioning the target token device based on the bank identifier thereof. The token password and login password are automatically input by the simulation keying module, 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 the original business data is converted into target business data. The problem of non-uniform data format across banks and time-consuming and laborious manual data capture and integration is solved. The overall efficiency, standardization and unmanned of online banking business processing are realized, the data processing efficiency and accuracy are improved, and the manual operation cost and error rate are reduced.

[0048] It should be understood that the content described in this part is not intended to identify key or important features of the embodiments of the present disclosure, nor is it intended to limit the scope of the present disclosure. Other features of the present disclosure will become readily apparent from the following description. BRIEF DESCRIPTION OF DRAWINGS

[0049] The above and other objects, features and advantages of the exemplary embodiments of the present disclosure will be more apparent from the following detailed description read in conjunction with the accompanying drawings, in which:

[0050] In the drawings, identical or corresponding reference numerals indicate identical or corresponding parts.

[0051] Figure 1 An implementation flowchart of the online banking business processing method of the embodiment of the present disclosure is shown;

[0052] Figure 2 The composition structure of the online banking business processing system of the embodiment of the present disclosure is shown Figure 1 ;

[0053] Figure 3 The composition structure of the online banking business processing system of the embodiment of the present disclosure is shown Figure 2 ;

[0054] Figure 4 The composition structure of the online banking business processing system of the embodiment of the present disclosure is shown DETAILED DESCRIPTION

[0055] In order to make the purposes, characteristics and advantages of the present disclosure more obvious and easy to understand, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by those skilled in the art without creative work fall within the scope of protection of the present disclosure.

[0056] According to a first aspect of the embodiments of the present disclosure, a method for processing online banking business is provided, as shown in the figure, the method comprises the following steps: Figure 1

[0057] In step 101, the to-be-handled online banking business is acquired, and based on the bank identification of the to-be-handled online banking business, a target OTP device is located in a plurality of pre-set OTP devices.

[0058] Firstly, the online banking business to be handled, i.e. the to-be-handled online banking business, is acquired, such as the flow query of a certain enterprise account, the download of a single bill, etc. Then, according to the bank identification associated with the to-be-handled online banking business, such as the Bank of Communications, the Construction Bank, etc., the OTP device corresponding to the bank is found in the plurality of pre-connected OTP devices, as the target OTP device. For example, when the business of the Bank of Communications is handled, the OTP device of the Bank of Communications is located from the plurality of OTP devices.

[0059] In step 102, the OTP password is input in the online banking login page corresponding to the to-be-handled online banking business through the simulated key input module, and the target digital certificate in the target OTP device is acquired in response to the correct verification of the input OTP password; the login password is input through the simulated key input module, and the business operation interface is entered in response to the validity of the target digital certificate and the correct verification of the input login password.

[0060] The simulated key input module is the core component for realizing automatic password input, which can simulate the keyboard operation based on the system bottom drive or the UI (User Interface) automation framework. Firstly, the simulated key input module cooperates with the browser automation function to automatically open the specified browser and locate the online banking login page corresponding to the to-be-handled online banking business. If the online banking login page is not detected after polling for a period of time, the browser is automatically switched, and the above steps are repeated. The OTP password of the target OTP device is input through the simulated keyboard key input action. If the OTP password verification is correct, the target digital certificate in the target OTP device is automatically extracted through the OTP certificate management module.

[0061] Subsequently, the simulated key input module is continuously called to send the character sequence of the login password to the login password input box. After the input is completed, it is immediately verified whether the password length is consistent with the preset length. If not, the retry mechanism is triggered, and the password box content is cleared through the built-in clearing function of the simulated key input module, and then the input operation is re-executed. ​

[0062] In this process, if the login process triggers sliding verification, image-text verification and other authentication steps, the system will respond in real time and automatically complete the authentication: for sliding verification, the relative position of the sliding block and the target area is analyzed by simulating the algorithm through human operation, a smooth sliding trajectory conforming to the biomechanical characteristics is generated, and the simulated keying module is driven to complete the sliding block dragging. For image-text verification, an image recognition engine is enabled to analyze the text, graphics or combined information in the verification picture, and the simulated keying module is driven to automatically fill in the identified results into the corresponding input box. If a single identification fails, the verification picture is automatically refreshed and re-identified.

[0063] When the system confirms that the target digital certificate is in a valid state (not expired and qualified), and the login password verification is passed and the additional authentication steps are completed, the login button is automatically clicked. If a password modification prompt box pops up during the login process, the password update operation is completed according to the preset rules, such as "original password + new password format verification". Finally, the polling detection state is entered, and as soon as the characteristic elements of the account management interface (such as the "My Account" menu) are captured, it is confirmed that the login process is completed, and the business operation interface is automatically jumped to.

[0064] Step 103, based on the to-be-done online banking business and the preset online banking interface characteristics, entering a specific function interface from a business operation interface, and performing data grabbing in the specific function interface to obtain original business data; the original business data includes structured data and unstructured data.

[0065] The preset online banking interface characteristics are identification information for positioning function entrances and data areas, such as element positioning identification, button text information, interface URL (Uniform Resource Locator, Uniform Resource Locator) characteristics, etc., which are pre-set based on the interface design specifications of various bank online banking. Specifically, first, based on the type of the to-be-done online banking business, the above-mentioned preset online banking interface characteristics are matched in the business operation interface to locate the corresponding specific function entrance and click to enter the specific function interface. Then, in the specific function interface, the data table area is located through the pre-set table ID, row / column label, etc. table characteristics, and the structured data such as transaction amount, transaction time and counterparty account number is extracted. At the same time, according to the pre-set identification of the file download entrance, such as the class attribute of the download button and the link text, the download operation is triggered, and the saving of the unstructured data such as PDF receipt is completed. Finally, the extracted structured data and saved unstructured data are integrated to obtain the original business data.

[0066] Step 104, for structured data, converting it into JS key-value pair data; for unstructured data, extracting pre-set key information and mapping it into structured fields; based on the JS key-value pair data and the structured fields, obtaining target business data.

[0067] For structured data in the original business data, such as transaction amount, time, etc. extracted from the online banking table, it is directly converted into JS key-value pair format to ensure that the data structure meets the standardization requirements of subsequent processing.

[0068] For unstructured data, such as PDF return slips, scanned copies, etc., the preset information extraction rules are used to extract the preset key information from the file, such as the transaction amount in the return slip, the content of the postscript, etc., and map these extracted information to the preset structured fields. Finally, the converted JS key-value pair data and the structured fields obtained by mapping the unstructured data are integrated to form the target business data in a unified format.

[0069] The method of the embodiment solves the problem of manual plugging management of multiple bank tokens by obtaining the pending online banking business and locating the target token device based on the bank identification. The token password and login password are automatically input by the simulation key input module, combined with digital certificate verification to enter the business operation interface, and based on the preset online banking interface features to enter the specific function interface to capture the original business data containing structured and unstructured data. Then, the structured data is converted into JS key-value pair, and the unstructured data is extracted and mapped into structured fields to obtain target business data, solving the problem of non-uniform data format across banks, time-consuming and laborious manual data extraction and integration. The overall realization of the efficiency, standardization and unmanned of online banking business processing improves the data processing efficiency and accuracy, and reduces the labor cost and error rate.

[0070] In another implementable manner, based on the bank identification of the pending online banking business, the target token device is located in the preset several token devices, including: based on the bank identification of the pending online banking business, matching the corresponding target port in the hub base module preloaded with several token devices; activate the power supply state of the target port, and the token device connected to the target port is the target token device.

[0071] Among them, the hub base module integrates the ports of various mainstream USB hubs, and each port has electrostatic surge protection function to prevent burning the port and token device, and is compatible with USB2.0 / 3.0 protocol, which can automatically identify the type of inserted token device and load the corresponding bank driver. All token devices are inserted into the ports of the hub base module in advance, and each token device is associated with its corresponding online banking URL address, Alipay IP, Alipay Ukey port number, Ukey password, mechanical arm port number and other parameters to realize the binding of hardware resources and business data. Among them, the mechanical arm port corresponds to the hardware component of the dynamic operation token entity key, which is used to simulate the manual pressing of the token confirmation key and other physical operations.

[0072] Specifically, by identifying the bank identifier of the to-be-handled online banking business, the concentrator management module locates the target device through the following process: first, scan the load status of all connected concentrators, such as the number of currently running tasks, port occupancy rate, etc., and match the pre-stored "bank-U shield-port" mapping relationship to automatically select the concentrator with the lowest load and the corresponding port as the target port, ensuring optimal resource utilization. Then send a power supply activation instruction to the target port. After the port is activated, the type of the connected U shield device is automatically identified, and the corresponding bank-specific driver and certificate are dynamically loaded. In addition, the mechanical arm port can also be used to operate the U shield physical keys (such as pressing the "confirm" key). Throughout the process, a fuse protection strategy is used, where the port power is activated before the U shield device is used, and a power-off instruction is triggered immediately after the operation is completed, reducing the continuous power consumption of the device and extending the service life of the U shield device and the concentrator. If the target port has analog keying gold finger abnormalities during the activation process, such as driver response timeout or port communication interruption, the abnormal port is immediately disabled, and a usable port with the same bank identifier is matched from the backup port pool, and the activation process is repeated to ensure that the U shield device positioning is not affected by single-point failures.

[0073] The scheme of the embodiment realizes the access, automatic identification, and centralized management of hardware resources of different bank U shield devices through the multi-device compatible architecture and intelligent scheduling mechanism of the concentrator base module, solves the problems of manual plugging and unplugging of multiple bank U shield devices, driver conflicts, and other issues, and improves the hardware adaptability and operation stability of online banking business automation processing.

[0074] In another implementation manner, the target digital certificate in the target U shield device is obtained by: generating a corresponding certificate identifier parameter according to the attribute information of the to-be-handled online banking business; analyzing the digital certificates stored in the target U shield device to obtain the display information of each digital certificate; and matching the display information with the certificate identifier parameter to obtain the target digital certificate.

[0075] The digital certificate is an electronic certificate used to identify the identity of the user, which usually contains the information of the certificate holder, the public key, the issuing authority, etc. The certificate identifier parameter is a matching condition for filtering specific certificates generated according to the attribute information of the to-be-handled online banking business, such as the business type and the bank type. The display information refers to the readable content in the digital certificate that can be parsed, such as the certificate name, the associated account number, the validity period, etc.

[0076] The implementation process is as follows: first, according to the attribute information of the to-be-handled online banking business, such as the business type being "enterprise transfer", the bank being "Industrial and Commercial Bank", the operation account being "a certain company's basic account", etc., a certificate identification parameter containing the business type keyword, bank identification or account information, etc. is generated, which is used as the basis for screening the target certificate. Then, the target YOUPIN device is accessed through the YOUPIN certificate management module, all digital certificates stored in the device are parsed, and the display information of each certificate is extracted. Finally, the display information of each certificate is matched with the generated certificate identification parameter, and when the display information completely matches or the partial key information matches the preset threshold, the certificate is determined as the target digital certificate for subsequent login authentication process. If the target data certificate is not matched, an execution exception signal is thrown.

[0077] The scheme of the embodiment ensures that the correct digital certificate is quickly obtained in the YOUPIN device with multiple certificates coexisting, avoids authentication failure caused by incorrect certificate calling, and improves the accuracy and efficiency of online banking business processing.

[0078] In another implementation manner, the entering a specific function interface from a business operation interface based on the to-be-handled online banking business and preset online banking interface features includes: obtaining a function entry feature corresponding to the to-be-handled online banking business in the preset online banking interface features; positioning a target function entry in the business operation interface based on the function entry feature, and jumping to the specific function interface in response to successfully positioning the target function entry; in response to unsuccessfully positioning the target function entry, repositioning the target function entry based on a backup positioning strategy corresponding to the function entry feature, and jumping to the specific function interface in response to successfully positioning the target function entry.

[0079] The preset online banking interface features refer to a plurality of identification information formed by analyzing the interface design and function layout in advance for different bank online banking systems, including element positioning identification (such as XPath path, CSS selector, etc.), button text information, interface URL features, etc. of the function entry, which are used for quickly identifying and positioning a specific function. The function entry feature is the key identification information directly related to the to-be-handled online banking business extracted from the preset online banking interface features, which is used as the basis for positioning the target function entry.

[0080] Specifically, first, the function entry feature corresponding to the type of the to-be-handled online banking business is selected from the preset online banking interface features. For example, if the to-be-handled business is "electronic receipt download", the text, icon, element coordinates, etc. related to the "electronic receipt" button are extracted as the function entry feature. Then, based on these features, scanning and matching are performed in the online banking business operation interface, and if the target function entry is successfully positioned, such as a button with the word "electronic receipt", the jump operation to enter the specific function interface is triggered immediately.

[0081] If the interface element name of the bank online banking system is changed, the interface layout is adjusted due to the version update of the online banking system, and the like, the target function entry positioning failure may occur. At this time, the standby positioning strategy corresponding to the function entry feature is started, and a differentiated or supplementary positioning method different from the current function entry feature is used. For example, when the button cannot be positioned according to the text information, the XPath path or the CSS selector is used to reposition accurately; if the original element positioning symbol is invalid due to system update, the standby element positioning identifier is automatically switched to, or the positioning timeout time is dynamically adjusted and then the positioning is tried again. According to the standby positioning strategy, the target function entry is searched in the business operation interface, and once successfully positioned, the jump operation is performed to enter the specific function interface.

[0082] The scheme process of the embodiment realizes adaptive positioning of different bank online banking system function entries by means of the configured feature matching and multi-dimensional retry mechanism, that is, even in the face of interface layout differences, network delays, element changes and the like, the target function interface can be stably and accurately entered to meet the needs of business information automatic collection.

[0083] In another implementable manner, the data grabbing in the specific function interface to obtain the original business data includes: in the specific function interface, based on a preset data table feature, positioning a data table region, and extracting structured data of a preset field; based on a preset download entry feature, positioning a file download entry, and triggering a download operation; according to a current browser type, calling a processing strategy of a download popup window triggered by the download operation, obtaining unstructured data based on the processing strategy; and taking the structured data and the unstructured data as the original business data.

[0084] The preset data table feature refers to pre-defined identification information for identifying a table region, such as a table ID, a table header label, a specific row and column layout, and the like. The preset download entry feature is an identification for positioning a file download function, such as a download button text, an icon, an element positioning symbol, and the like. The processing strategy of the download popup window is a differentiated operation logic for different browser download popup windows, which ensures the automatic execution of the file download process.

[0085] Specifically, in the specific function interface, first, according to the preset data table characteristics, such as identifying the table area containing the table headers of "transaction time" and "amount", the structured data is located in the table, and then the information of the preset fields is extracted from the structured data, such as the transaction date, the counterparty account, the transaction amount and the like in the transaction flow details, to form the structured data. At the same time, according to the preset download entry characteristics, such as locating the button or link marked with "download receipt", the file download operation is triggered. The type of the currently used browser is identified, and the corresponding download popup window processing strategy is called, for example, for the Chrome browser, the download confirmation popup window is automatically clicked "save", for the Firefox path selection popup window, the preset download directory is automatically selected, and the file overwrite strategy based on the overwrite_mode parameter is supported, such as skip when the existing file is skipped, replace when the old file is replaced, and the like. Through these operations, the PDF receipt and other unstructured data are obtained. Finally, the extracted structured data and the downloaded unstructured data are integrated to form the original business data.

[0086] The scheme of the embodiment realizes the automatic capture of different types of online banking data through the universal download control and multi-source data acquisition mechanism, adapts to various browser environments and data formats, and ensures the integrity and accuracy of the original business data.

[0087] In another implementable manner, the method further comprises: establishing a global account mapping table; the global account mapping table comprises a mapping relationship between the online banking account and the user account; and mapping the target business data based on the mapping relationship between the online banking account and the user account to obtain the basic data archive.

[0088] The global account mapping table is a structured data storage form, which records the corresponding relationship between the online banking account and the user account, and contains attribute information such as account name and data type, and is used to realize the unified association and management of multi-source data. The online banking account refers to the account number used for business operation in each bank online banking system, such as the bank account opened by an enterprise in the Industrial and Commercial Bank of China and the Bank of Communications. The user account refers to the account identifier used to manage funds and data in the enterprise internal financial management system or other business systems, which forms a mapping relationship with the online banking account.

[0089] For example, a global account mapping table is first created to build structured data records in Json format, such as: {"bank_acc":"1234567890123456","bank_name":"account of a certain bank branch","data_type":["balance","transaction"]}, where bank_acc corresponds to the online banking account, and the association with the online banking account in the target business data is established through this field. bank_name records the account name, which is convenient for business personnel to identify. data_type specifies the data types involved in the account (such as balance inquiry and transaction flow).

[0090] 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, and automatic association matching is achieved through the business primary key (such as account number + timestamp, etc. Unique identifier). If the online banking account in the target business data has a corresponding record in the mapping table, the data is mapped to the corresponding user account. If no matching record is found, an exception marking mechanism will be triggered, and a status: "missing" field will be added to the data record to identify the missing or incomplete mapping of the data.

[0091] Finally, by processing all target business data based on the mapping relationship between online banking accounts and user accounts, a basic data archive is formed. The archive contains structured data after unified mapping, and subsequent standardized output engines can automatically match the protocol message templates according to the business type, perform field-level data conversion (such as amount unit standardization and time format normalization), and control data output through a configured upload switch. The encrypted data is pushed to the target system through the REST API, and if the transmission fails, it will be automatically retransmitted, realizing the standardized processing and multi-end synchronization of data.

[0092] In another implementation manner, 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 after successful association; in response to a failed association, performing exception checking on the business primary key and file content analysis results in the basic data archive, and if the exception checking result is that no exception has occurred, the failed association is forcibly marked as successful association.

[0093] The bank rule knowledge base refers to a structured database integrating bank return slip formats, business rules and data correlation logic, and contains information such as field characteristics, matching rules and priority of different bank return slips. Specifically, first, the bank rule knowledge base is constructed, and based on the bank return slip format specifications and business characteristics of each bank, the key fields of different bank return slips are sorted out, such as the “transaction serial number” and “additional remarks” of the Industrial and Commercial Bank of China, and the “transaction type” and “payee account” of the China Merchants Bank.

[0094] When it is necessary to complete the return slip correlation, the field weight algorithm is called, and the transaction time, amount, and counterparty account fields in the return slip to be correlated are extracted and compared with the corresponding fields of the enterprise internal business records (such as the payment slip and the receipt slip in the ERP system). The matching degree of each field is weighted and calculated according to the preset weight value to determine the comprehensive matching degree. When the comprehensive matching degree reaches the preset threshold, it is determined that the return slip and the business record are successfully correlated; if the matching degree is insufficient, an exception flag is triggered or a manual review process is triggered.

[0095] The scheme of the embodiment combines the construction of the bank rule knowledge base and the field weight algorithm, and the system realizes intelligent correlation of return slips and business data, solves the problems of low efficiency of manual matching and large differences in bank return slip formats, and improves the accuracy and automation level of data correlation, especially suitable for enterprise financial management scenarios with frequent transactions and large amounts of return slips.

[0096] In another implementable manner, the response to successfully locating the target function entry includes: in response to successfully locating the target function entry, generating an operation trajectory path through a biomechanical model; and performing a click operation on the target function entry based on the operation trajectory path to jump to the specific function interface.

[0097] When the system successfully locates the target function entry, the biomechanical model is called. The model is based on pre-collected and trained human hand operation data, simulates the behavior characteristics in real operation, and generates an operation trajectory path that conforms to human operation habits. For example, the model will simulate the curve trajectory of human natural movement from the current mouse pointer position to the target position according to the position of the target function entry on the screen, and generate parameters such as force and speed at the time of clicking, so that the operation is closer to the real human behavior.

[0098] After the operation trajectory path is generated, the system performs a click operation on the target function entry based on the path. Specifically, the system controls the virtual mouse to move smoothly from the starting point to the target function entry position according to the movement trajectory recorded in the trajectory path, and performs a 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 the biomechanical model and the operation trajectory path, this implementation simulates the real operation behavior of humans in the automatic operation process, and compared with the traditional direct positioning and clicking method, it can effectively reduce the probability of triggering security restrictions or anti-automatic detection due to abnormal operation patterns in the bank system, and improve the stability and reliability of the online banking business automation process.

[0099] According to a second aspect of the embodiments of the present disclosure, an online banking business processing system is provided, as shown in the figure, the system comprises: Figure 2

[0100] a hub base module 201 for prepositioning a plurality of shield devices;

[0101] an automatic operation module 202 for obtaining a to-be-done online banking business, locating a target shield device in the prepositioned plurality of shield devices based on the bank identifier of the to-be-done online banking business;

[0102] The automatic operation module 202 is further configured to input a shield password on an online banking login page corresponding to the to-be-done online banking business through a simulated input module, and in response to the input shield password being correct, obtain a target digital certificate in the target shield device; input a 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 a business operation interface;

[0103] The automatic operation module 202 is further configured to enter a specific function interface from the business operation interface based on the to-be-done online banking business and a preset online banking interface feature, perform data grabbing in the specific function interface, and obtain original business data; the original business data includes structured data and unstructured data;

[0104] The automatic operation module 202 is further configured to convert the structured data into JS key-value pair data, extract preset key information from the unstructured data, and map the preset key information into structured fields; and obtain target business data based on the JS key-value pair data and the structured fields.

[0105] In an implementable manner, as shown in the figure, the system further comprises a virtual network module 203 for connecting the hub base module and the automatic operation module, so as to realize remote access of the shield device. Figure 3

[0106] In an implementable manner, as shown in the figure, the system further comprises a virtual network module 203 for connecting the hub base module and the automatic operation module, so as to realize remote access of the shield device. Figure 3 ​​As shown, the automatic operation module comprises a hub management module, configured to match a corresponding target port in a hub base module pre-stored with a plurality of shield devices based on the bank identification of the to-be-handled online banking service; and activate the power supply state of the target port, and the shield device accessed in the target port is the target shield device.

[0107] In an implementation manner, as shown in Figure 3 As shown, the automatic operation module further comprises a shield certificate management module, configured to generate a corresponding certificate identification parameter according to the attribute information of the to-be-handled online banking service; analyze the digital certificate stored in the target shield device memory to obtain display information of each digital certificate; and take the digital certificate with matched display information and certificate identification parameter as the target digital certificate.

[0108] In an implementation manner, as shown in Figure 3 As shown, the automatic operation module further comprises a page jump module, configured to obtain a function entry feature corresponding to the to-be-handled online banking service in preset online banking interface features; locate a target function entry in a service operation interface based on the function entry feature, jump to a specific function interface in response to successful location of the target function entry, re-locate the target function entry based on a backup positioning strategy corresponding to the function entry feature in response to unsuccessful location of the target function entry, and jump to the specific function interface in response to successful location of the target function entry.

[0109] In an implementation manner, as shown in Figure 3 As shown, the automatic operation module further comprises a data acquisition module, configured to locate a data table region based on preset data table features in a specific function interface, extract structured data of a preset field, locate a file download entry based on preset download entry features, trigger a download operation, call a processing strategy of a download pop-up window triggered by the download operation according to a current browser type, obtain unstructured data based on the processing strategy, and take the structured data and the unstructured data as original service data.

[0110] In an implementation manner, as shown in Figure 3 As shown, the automatic operation module further comprises a data matching module, configured to establish a global account mapping table; the global account mapping table comprises a mapping relationship between an online banking account and a user account; and map target service data based on the mapping relationship between the online banking account and the user account to obtain a basic data archive.

[0111] In an implementable manner, the data matching module is further configured to perform multi-dimensional association on the basic data file based on the bank rule knowledge base by using a field weight algorithm, and obtain a structured data file when the association is successful; and in response to a failed association, perform an exception check on a business primary key and a file content analysis result in the basic data file, and forcibly mark the failed association as successful when the exception check result is that no exception occurs.

[0112] In an implementable manner, the page jump module is further configured to, in response to successfully locating the target function entry, generate an operation trajectory path by using a biomechanics model; and perform a click operation on the target function entry based on the operation trajectory path, and jump to a specific function interface.

[0113] According to embodiments of the present disclosure, the present disclosure further provides an electronic device and a readable storage medium.

[0114] Figure 4 A schematic block diagram of an example electronic device that can be used to implement embodiments of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptops, desktops, tablets, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular telephones, smartphones, wearable devices, and other similar computing devices. The components shown here, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the present disclosure described and / or claimed in this document.

[0115] As shown in Figure 4 The electronic device 800 includes a computing unit 801 that can perform various appropriate actions and processes in accordance with 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. Various programs and data required for the operation of the electronic device 800 can also be stored in the RAM 803. The computing unit 801, the ROM 802, and the RAM 803 are connected to each other through a bus 804. An input / output (I / O) interface 805 is also connected to the bus 804.

[0116] Various components in the electronic device 800 are connected to the I / O interface 805, including an input unit 806, such as a keyboard, a mouse, and the like; an output unit 807, such as various types of displays, speakers, and the like; the storage unit 808, such as a magnetic disk, an optical disk, and the like; and a communication unit 809, such as a network card, a modem, a wireless communication transceiver, and the like. The communication unit 809 allows the electronic device 800 to exchange information / data with other devices through a computer network, such as the Internet, and / or various telecommunication networks.

[0117] The computing unit 801 can be various general and / or special purpose processing components 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 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 can 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 can 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 onto the RAM 803 and executed by the computing unit 801, one or more steps of the online banking transaction processing method described above can be performed. Alternatively, in other embodiments, the computing unit 801 can be configured to perform the online banking transaction processing method by any other suitable means, such as by means of firmware.

[0118] Various implementations of the systems and techniques described above can be realized in digital electronic circuitry, integrated circuitry, a field programmable gate array (FPGA), an application specific integrated circuit (ASIC), a system on a chip (SOC), a complex programmable logic device (CPLD), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include implementation in one or more computer programs that are executable and / or interpretable on a programmable system including at least one programmable processor, which can be special or general purpose, coupled to receive data and instructions from, and to transmit data and instructions to, a storage system, at least one input device, and at least one output device.

[0119] Program code for carrying out methods of the present disclosure can be written in any combination of one or more programming languages. The program code can be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the program code, when executed by the processor or controller, produces a means for implementing the functions / acts specified in the flowcharts and / or block diagrams. The program code can be executed entirely on a machine, partially on a machine, partially on a machine as a stand-alone software package, partially on a machine and partially on a remote machine or entirely on a remote machine or server.

[0120] In the context of this disclosure, a machine-readable medium can be a tangible medium that contains or stores a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can 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 the machine-readable storage medium would 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0121] To provide for interaction with a user, the systems and techniques described here 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 a pointing device (e.g., a mouse or a trackball) by which the user can provide input to the computer. Other kinds of devices can be used to provide for interaction with a user as well; for example, 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, speech, or tactile input.

[0122] The systems and techniques described here can be implemented in a computing system that includes a back end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front end component (e.g., a user computer having a graphical user interface or a Web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back end, middleware, 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.

[0123] The computer system can include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server can arise by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, a server of a distributed system, or a server combined with a blockchain.

[0124] It should be understood that the various forms of flow shown above can be used to reorder, add, or delete steps. For example, the steps described in the present disclosure can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solutions of the present disclosure can be achieved, which is not limited herein.

[0125] In addition, the terms "first", "second" are only for descriptive purposes and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined with "first", "second" can explicitly or implicitly include at least one of the features. In the description of the present disclosure, the meaning of "multiple" is two or more, unless otherwise specifically limited.

[0126] The above is only a specific embodiment of the present disclosure, but the protection scope of the present disclosure is not limited thereto, and any person skilled in the art can easily think of changes or replacements within the technical scope disclosed by the present disclosure, which should be covered within the protection scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the protection scope of the claims.

Claims

1. An online banking service processing method, characterized in that, The method comprises: acquiring a to-be-handled online banking service, locating a target OTP device among a plurality of preset OTP devices based on a bank identifier of the to-be-handled online banking service; inputting an OTP password on an online banking login page corresponding to the to-be-handled online banking service through a simulated input module, obtaining a target digital certificate in the target OTP device in response to correct verification of the input OTP password, inputting a login password through the simulated input module, and entering a service operation interface in response to correct verification of the input login password and validity of the target digital certificate; based on the to-be-handled online banking service and preset online banking interface features, entering a specific function interface from the service operation interface, performing data capture in the specific function interface, and obtaining original service data; the original service data comprises structured data and unstructured data; wherein the preset online banking interface features are identification information for locating function entrances and data regions, which are preset based on interface design specifications of online banking of each bank; for the structured data, converting the structured data into JS key-value pair data; for the unstructured data, extracting preset key information and mapping the preset key information into structured fields; based on the JS key-value pair data and the structured fields, obtaining target service data; wherein the entering of the specific function interface from the service operation interface based on the to-be-handled online banking service and the preset online banking interface features comprises: obtaining a function entrance feature corresponding to the to-be-handled online banking service in the preset online banking interface features; locating a target function entrance in the service operation interface based on the function entrance feature, and jumping to the specific function interface in response to successful location of the target function entrance; in response to unsuccessful location of the target function entrance, re-locating the target function entrance based on a backup positioning strategy corresponding to the function entrance feature, and jumping to the specific function interface in response to successful re-location of the target function entrance; the jumping to the specific function interface in response to successful location of the target function entrance comprises: generating an operation trajectory path through a biomechanical model in response to successful location of the target function entrance; performing a click operation on the target function entrance based on the operation trajectory path, and jumping to the specific function interface.

2. The method of claim 1, wherein, The locating of the target OTP device among the plurality of preset OTP devices based on the bank identifier of the to-be-handled online banking service comprises: matching a corresponding target port in a concentrator base module in which a plurality of OTP devices are preset based on the bank identifier of the to-be-handled online banking service; activating a power supply state of the target port, and the OTP device connected to the target port is the target OTP device.

3. The method of claim 1, wherein, The obtaining of the target digital certificate in the target OTP device comprises: generating a corresponding certificate identifier parameter according to attribute information of the to-be-handled online banking service; analyzing digital certificates stored in the target OTP device to obtain display information of each digital certificate; matching the display information with the digital certificate as the target digital certificate.

4. The method of claim 1, wherein, The performing of data capture in the specific function interface to obtain the original service data comprises: in the specific function interface, locating a data table region based on a preset data table feature, and extracting structured data of a preset field. Position a file download portal based on a preset download portal feature, and trigger a download operation; According to the current browser type, call the processing strategy of the download pop-up window triggered by the corresponding download operation, and obtain unstructured data based on the processing strategy; The structured data and the unstructured data are obtained as raw business data.

5. The method of claim 1, wherein, The method further comprises: Establishing a global account mapping table; the global account mapping table comprises a mapping relationship between a bank account and a user account; Mapping target business data based on the mapping relationship between the bank account and the user account to obtain a basic data archive.

6. The method of claim 5, wherein, The method further comprises: Based on a bank rule knowledge base, a field weight algorithm is used to perform multi-dimensional association on the basic data archive, and a structured data archive is obtained if the association is successful; In response to a failed association, an exception check is performed on the business primary key and the file content analysis result in the basic data archive, and if the exception check result is that no exception has occurred, the failed association is forcibly marked as successful.

7. An online banking service processing system, characterized by comprising: The system comprises: A hub base module for preinstalling a plurality of shield devices; An automatic operation module for obtaining a to-be-done bank business, positioning a target shield device among the preinstalled plurality of shield devices based on the bank identifier of the to-be-done bank business; The automatic operation module is further configured to input a shield password on a bank login page corresponding to the to-be-done bank business through a simulated input module, obtain a target digital certificate in the target shield device in response to the input shield password being correct, and enter a business operation interface in response to the target digital certificate being valid and the input login password being correct; The automatic operation module is further configured to enter a specific function interface from the business operation interface based on the to-be-done bank business and a preset bank interface feature, perform data grabbing in the specific function interface, and obtain raw business data; the raw business data comprises structured data and unstructured data; wherein the preset bank interface feature is identification information for positioning a function portal and a data area, which is pre-set based on the interface design specification of each bank; The automatic operation module is further configured to convert the structured data into JS key-value pair data, extract preset key information from the unstructured data, and map the preset key information into structured fields, and obtain target business data based on the JS key-value pair data and the structured fields; The automatic operation module further comprises a page jump module configured to obtain a function portal feature corresponding to the to-be-done bank business in the preset bank interface feature, position a target function portal in the business operation interface based on the function portal feature, jump to the specific function interface in response to successfully positioning the target function portal, and reposition the target function portal based on a backup positioning strategy corresponding to the function portal feature in response to failing to successfully position the target function portal, and jump to the specific function interface in response to successfully positioning the target function portal. The page jump module is further configured to generate an operation track path through a biomechanical model in response to successfully positioning the target function portal, perform a click operation on the target function portal based on the operation track path, and jump to the specific function interface.

8. The system of claim 7, wherein, The system also includes a virtual network module for connecting the hub base module with the automation operation module.

Images