Financial service guide handling method, device and equipment and medium

Abstract

The invention discloses a guide handling method, device and equipment for financial business and a medium, and relates to the technical field of intelligent customer service and financial science and technology. The method comprises the following steps: determining a blocked page according to stay data of a user on an access page and page data of the access page; according to the financial business supported to be handled by the blocked page and the stay data, the blocked financial business of the user is acquired; and pushing a business handling flow matched with the blocked financial business to the user. According to the embodiment of the invention, the user experience of handling financial services can be improved.

Description

Technical Field

[0001] The present invention relates to the fields of intelligent customer service and financial technology, and in particular to a method, device, equipment and medium for guiding the processing of financial services. Background Art

[0002] Currently, the mainstream customer service approach for mobile apps is to set up a separate customer service page. When users encounter service issues, they proactively access the page to search for or inquire about related issues. This customer service approach is relatively passive, requiring users to initiate further processing. This implicitly sets a certain threshold and requires users to have a basic understanding of the app's services in order to accurately identify the problem and find a solution.

[0003] This problem is particularly prominent on bank apps.

[0004] Since bank apps contain a large number of professional financial services, most users do not have a clear understanding of their functions. This leads to communication barriers between them and the bank's customer service system when describing their demands and the business they are handling, resulting in low problem-solving efficiency and poor user experience. Summary of the Invention

[0005] The present invention provides a method, device, equipment and medium for guiding the handling of financial services, so as to improve the user experience of handling financial services.

[0006] According to one aspect of the present invention, a method for guiding the handling of financial services is provided, comprising:

[0007] Determining a blocked page based on user stay data on a visited page and page data of the visited page;

[0008] Financial services supported by the blocked page and the blocked financial services of the user according to the stay data;

[0009] Pushing a business handling process matching the blocked financial business to the user.

[0010] According to another aspect of the present invention, there is provided a device for guiding and handling financial services, comprising:

[0011] A page determination module, configured to determine a blocked page based on the user's stay data on the visited page and the page data of the visited page;

[0012] A service determination module, configured to determine the financial services supported by the blocked page and the blocked financial services of the user according to the stop data;

[0013] A process push module is used to push the business processing process matching the blocked financial business to the user.

[0014] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, wherein when executed by a processor, the computer program implements the method for guiding the handling of financial services according to any embodiment of the present invention.

[0015] According to another aspect of the present invention, an electronic device is provided, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for guiding the processing of financial services described in any embodiment of the present invention.

[0016] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for guiding the processing of financial services according to any embodiment of the present invention when executed.

[0017] The embodiments of the present invention change the traditional approach to customer service within banking applications, shifting from passively accepting user inquiries to proactively providing customer service. This shifts the process from post-processing to in-process, bringing customer service closer to users and enhancing their experience. Furthermore, it reduces the learning and communication costs associated with using customer service. This allows users who lack a firm understanding of banking financial services and cannot accurately describe a service type to quickly complete service transactions based on the specific process flow page, avoiding communication barriers caused by unfamiliar names and pages and improving problem-solving efficiency.

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

[0019] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0020] Figure 1 This is a flow chart of a method for guiding the handling of financial services according to an embodiment of the present invention;

[0021] Figure 2 This is a flow chart of a method for guiding the handling of financial services provided according to another embodiment of the present invention;

[0022] Figure 3 1 is a schematic structural diagram of a financial service guidance processing device provided according to another embodiment of the present invention;

[0023] Figure 4 It is a schematic structural diagram of an electronic device implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0024] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0025] It should be noted that the terms "first," "second," and the like in the description of the present invention and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including," "having," and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus comprising a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units that are not explicitly listed or that are inherent to these processes, methods, products, or apparatus.

[0026] Figure 1 This is a flowchart of a method for guiding the handling of financial services provided by an embodiment of the present invention. This embodiment is applicable to situations where users are blocked when handling financial services on an application. The method can be executed by a device for guiding the handling of financial services. The device can be implemented in the form of hardware and / or software. The device can be configured in an electronic device with corresponding data processing capabilities, such as the background system of an application. Figure 1 As shown, the method includes:

[0027] S110: Determine a blocked page based on the user's stay data on the visited page and the page data of the visited page.

[0028] S120: Calculate the blocked financial services of the user based on the financial services supported by the blocked page and the blocked financial services of the user according to the stay data.

[0029] S130: Pushing a business handling process matching the blocked financial business to the user.

[0030] Specifically, data points are embedded in the front-end pages of the mobile application in advance, allowing the system to obtain the dwelling data of the user's accessed pages. When a user accesses the bank's application and handles financial services (such as deposits, withdrawals, and transfers) on the front-end page of the application, the back-end obtains the user's dwelling data on the accessed page and the page data of the accessed page, and uses this to determine whether the user is blocked when handling financial services. If it is determined that there is no obstruction, the system will give up actively guiding the customer to handle the business. If it is determined that there is a blockage, the system will further analyze which specific access page the user is blocked on based on these data, and determine it as a blocked page.

[0031] After locating the blocked page, since banking applications often have complex page designs and each page contains a large number of available financial services, it's necessary to first determine the financial services supported by the blocked page. Specifically, this means determining which financial services are available on the blocked page. This can then be combined with user data on the blocked page to determine which service on the blocked page the user actually wants to handle, i.e., the blocked financial service.

[0032] The business processing flow for each financial service is pre-stored. After the blocked financial service is identified, the matching business processing flow is determined and proactively pushed to the user. After viewing the business processing flow, the user can quickly complete the processing of the blocked financial service.

[0033] The embodiments of the present invention change the traditional approach to customer service within banking applications, shifting from passively accepting user inquiries to proactively providing customer service. This shifts the process from post-processing to in-process, bringing customer service closer to users and enhancing their experience. Furthermore, it reduces the learning and communication costs associated with using customer service. This allows users who lack a firm understanding of banking financial services and cannot accurately describe a service type to quickly complete service transactions based on the specific process flow page, avoiding communication barriers caused by unfamiliar names and pages and improving problem-solving efficiency.

[0034] Based on the above embodiment, optionally, the display form of the business processing flow includes pictures, text, videos and click guidance.

[0035] Specifically, some users are hindered from handling business not because the process is too complicated, but because they are unfamiliar with the application level and the use of smart devices, such as the elderly. For these users, the guidance effect of the business process in the form of pictures and texts is limited. Business process in the form of videos and click-through guidance can better help these users. At the same time, some customers are also hindered because they are not familiar with the specific process of a certain business. For these users, pictures and text can help them to determine the business process efficiently. To this end, before determining the push of business process, first determine the display format that matches the user profile, and then push the business process in this display format to the user. By designing multiple display methods, the guidance effect of guiding the processing can be further improved.

[0036] Figure 2 This is a flowchart of a method for guiding the handling of financial services provided by another embodiment of the present invention. This embodiment is optimized and improved on the basis of the above embodiment. Figure 2 As shown, the method includes:

[0037] S210: Determine at least two visited pages based on the user's recent visit records.

[0038] S220. For each visited page, determine the confidence level of the visited page as a blocked page based on the user's stay data on the visited page and the page data of the visited page; and determine the visited page with the highest confidence level as a blocked page.

[0039] Specifically, when users conduct financial transactions, they may visit multiple pages sequentially or back and forth, generating multiple access interfaces. For each access interface, the confidence level that the currently accessed page is a blocked page is calculated based on the user's dwell time on the currently accessed page and the page data of the currently accessed page. After completing the blocked confidence calculation for all accessed pages, accessed pages with a confidence level greater than a threshold can be determined as blocked pages, or the accessed page with the highest confidence level can be determined as a blocked page. Locating blocked pages by calculating confidence levels improves the accuracy of screening for blocked pages.

[0040] Based on the above embodiment, optionally, the page data includes page properties, page function density and complexity of business processes in the page; the stay data includes access frequency and stay duration.

[0041] Specifically, the nature of a page includes financial services and lifestyle services. Focusing on whether it is a financial service, if a page provides services such as opening a card or binding a card, it is defined as a financial service page and given a higher weight, as it is considered more likely to cause business disruptions. If a page provides services such as paying utility bills or receiving government consumer vouchers, it is defined as a lifestyle service page and given a lower weight, as it is considered less likely to cause business disruptions.

[0042] Page function density refers to the number of function entries contained on a page. If a page has many function entries, it is assumed that users spend more time browsing the page, are less likely to experience service interruptions per unit time, and are more likely to be learning. If a page has few function entries, it is assumed that users do not spend a lot of time browsing the page, are more likely to experience service interruptions per unit time, and require customer service intervention.

[0043] The complexity of a business process on a page refers to the number of applications / pages involved in a business transaction. A high number of applications / pages indicates a higher learning curve for users and a higher likelihood of business interruptions.

[0044] Access frequency refers to how often a user visits a specific page. If a user frequently visits a page within a short period of time, it can be assumed that they are experiencing a blockage while processing a specific task and are searching for a solution by repeatedly entering and exiting the relevant page. This metric should be considered comprehensively based on the nature of the page to avoid interference from marketing campaigns. This metric should also be compared against a time series to illustrate recent blockages encountered by users.

[0045] In addition, user data can also be used as a reference, with whether the user is proficient in using the bank APP as the core. This indicator is measured by the number of financial transactions handled by the user through the APP. The more transactions a user handles using the APP, the more accustomed they are to the business processing logic of the bank APP, and the lower the possibility of business obstruction.

[0046] Improve the accuracy of locating blocked pages by using as many designs and reference indicators as possible.

[0047] S230. Determine the financial services supported by the blocked page and the service content of the financial services based on a service category database; input the service content and the stay data into an intelligent judgment model to obtain the blocked financial services of the user.

[0048] Among them, the business content includes the business name, business processing flow, business significance, etc. of the financial business, which can help the intelligent judgment model understand the data of the financial business.

[0049] Specifically, a targeted training set is constructed based on historical data, and the intelligent judgment model is trained accordingly to improve its hit rate and ensure that the blocked financial services displayed during proactive contact are more aligned with the user's actual needs. Based on the service category database, all financial services supported by the blocked page are identified, along with the details of each service. The service details and dwell time data are fed into the intelligent judgment model, which predicts which service the user is blocked on and outputs the corresponding service name, thus identifying the blocked financial service. By training and utilizing the intelligent judgment model, the efficiency of locating blocked financial services can be improved.

[0050] Based on the above embodiment, optionally, before determining the financial services supported by the blocked page and the business content of the financial services based on the business category database, the method further includes:

[0051] Determine the financial services supported by each page in the application based on the page information and function entries contained therein;

[0052] Build a business category database based on the relationship between pages and financial businesses;

[0053] Accordingly, the method further includes:

[0054] When the application is updated, the business category database is updated accordingly according to the updated content.

[0055] Specifically, we collect statistics on all the financial services supported by the application and their content. We also collect information on each page of the application and the function entries it contains. By analyzing and comparing these two, we can determine the relationship between the pages and the financial services, specifically which services each page supports and the content of those services. Based on this information, we build a database of business categories. Later, when we need to determine which services a page supports and their content, we can quickly determine this by querying the business category database.

[0056] In addition, since application updates sometimes result in page deletions and relocations of function portals, when an application is updated, the business category database should be updated accordingly based on the updated application content to ensure that the associations in the business category database are consistent with actual conditions.

[0057] S240: Pushing a business handling process matching the blocked financial business to the user.

[0058] For example, consider this example: a user who hasn't activated the One-Click Payment agreement attempts to increase their credit limit through a QR code. They click the Payment Limit function in the Payment area, select the ICBC e-Payment category, find QR code purchases, and click Daily Cumulative Consumption Limit. This leads to the limit adjustment confirmation page, where they select the relevant agreement and click OK. They then verify their facial information and, after successful verification, verify their payment password. However, because the user hasn't activated the One-Click Payment agreement, verification is impossible. A pop-up message appears, stating "No authentication method available." The user can only click Close to exit the limit increase process. The user attempts this process multiple times and fails to complete the limit increase. The system determines that the user is experiencing a blockage. Analyzing the page data, the system determines that the user is attempting a QR code limit increase. Further analysis indicates that the blockage is password verification, and the reason for the blockage is that the user hasn't activated the One-Click Payment agreement. The corresponding solution is to activate the One-Click Payment agreement. A prompt pops up, stating, "Do you want to increase your credit limit through a QR code? If so, please click here for solutions." The user clicks on the prompt to be directed to the guidance page. This page contains a brief process description, frequently asked questions, and the names of the relevant portals, allowing for clickable navigation. The user found the common problem message "No verification method" and clicked it. The system redirected them to Security Management > Password-Free Payment, guiding them to activate the one-click payment agreement. After activation, the user returned to the payment limit to adjust the limit again, successfully completing the transaction.

[0059] Based on the above embodiment, optionally, the intelligent judgment model is obtained through the following process:

[0060] Preprocessing the historical access data that meets the screening requirements to obtain training samples, and determining the final transaction in the historical access data as a label for the training sample;

[0061] The neural network is trained according to the labels and the training samples to obtain an intelligent judgment model.

[0062] Specifically, based on pre-set screening requirements, available historical access data is filtered from the database. This historical access data is then preprocessed (e.g., data cleaning, data conversion, dataset balancing, etc.) to generate training samples. Furthermore, the business transactions ultimately conducted by users accessing the application are determined based on the historical access data and used as labels for the corresponding training samples. The underlying neural network is trained based on these labels and training samples. When the training cycle reaches a limit or the training results meet expectations, the trained neural network is designated as the intelligent judgment model.

[0063] Based on the above embodiment, optionally, the screening requirement includes at least two visits to the same page.

[0064] Specifically, when filtering available historical access data, a requirement for at least two visits to the same page can be used. If a piece of historical access data meets this requirement, it likely indicates that the user encountered access difficulties, and the historical access data is of high reference value and passes the screening. By setting and optimizing the filtering conditions to obtain high-quality historical access data, we can reduce the training workload while improving training effectiveness.

[0065] The embodiments of the present invention can improve the efficiency of locating blocked financial services by training and using intelligent judgment models.

[0066] Figure 3 This is a structural diagram of a financial service guidance and processing device provided by another embodiment of the present invention. Figure 3 As shown, the device includes:

[0067] A page determination module 310 is configured to determine a blocked page based on the user's stay data on the visited page and the page data of the visited page;

[0068] A service determination module 320 is configured to determine the financial services supported by the blocked page and the blocked financial services of the user according to the parking data;

[0069] The process push module 330 is used to push the business processing process matching the blocked financial business to the user.

[0070] The financial service guidance and processing device provided in the embodiment of the present invention can execute the financial service guidance and processing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0071] Optionally, the page determination module includes:

[0072] an access determination unit, configured to determine at least two access pages based on a user's recent access records;

[0073] a confidence calculation unit, configured to determine, for each visited page, a confidence level that the visited page is a blocked page based on the user's stay data on the visited page and the page data of the visited page;

[0074] The blocked determining unit is configured to determine the access page with the highest confidence as a blocked page.

[0075] Optionally, the page data includes page properties, page function density and complexity of business processes in the page; the stay data includes access frequency and stay duration.

[0076] Optionally, the service determination module 320 includes:

[0077] A business analysis unit, configured to determine, based on a business category database, the financial business supported by the blocked page and the business content of the financial business;

[0078] The service determination unit is configured to input the service content and the stay data into an intelligent judgment model to obtain the blocked financial service of the user.

[0079] Optionally, the device further includes:

[0080] A support analysis module is used to determine the financial services supported by each page in the application based on the page information and function entries contained therein;

[0081] A database construction module is used to construct a business category database based on the association between pages and financial businesses;

[0082] The database update module is used to update the business category database according to the updated content when the application is updated.

[0083] Optionally, the display format of the business processing process includes pictures, text, videos and click guidance.

[0084] Optionally, the intelligent judgment model is obtained through the following process:

[0085] Preprocessing the historical access data that meets the screening requirements to obtain training samples, and determining the final transaction in the historical access data as a label for the training sample;

[0086] The neural network is trained according to the labels and the training samples to obtain an intelligent judgment model.

[0087] 7. The method according to claim 6, wherein the screening requirement includes at least two visits to the same page.

[0088] The financial business guidance and processing device further described can also execute the financial business guidance and processing method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0089] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device, a readable storage medium, and a computer program product.

[0090] Figure 4A schematic diagram of the structure of an electronic device 40 that can be used to implement an embodiment of the present invention 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 processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) 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 invention described and / or claimed herein.

[0091] like Figure 4 As shown, the electronic device 40 includes at least one processor 41 and a memory, such as a read-only memory (ROM) 42, a random access memory (RAM) 43, etc., which is communicatively connected to the at least one processor 41. The memory stores a computer program that can be executed by the at least one processor, and the processor 41 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 42 or the computer program loaded from the storage unit 48 into the random access memory (RAM) 43. Various programs and data required for the operation of the electronic device 40 can also be stored in the RAM 43. The processor 41, ROM 42, and RAM 43 are connected to each other via a bus 44. An input / output (I / O) interface 45 is also connected to the bus 44.

[0092] Multiple components in the electronic device 40 are connected to the I / O interface 45, including an input unit 46, such as a keyboard, a mouse, etc.; an output unit 47, such as various types of displays, speakers, etc.; a storage unit 48, such as a magnetic disk, an optical disk, etc.; and a communication unit 49, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0093] Processor 41 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of processor 41 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any other suitable processors, controllers, microcontrollers, etc. Processor 41 executes the various methods and processes described above, such as the method for guiding the processing of financial services.

[0094] In some embodiments, the method for guiding the processing of financial services can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as storage unit 48. In some embodiments, part or all of the computer program can be loaded and / or installed on electronic device 40 via ROM 42 and / or communication unit 49. When the computer program is loaded into RAM 43 and executed by processor 41, one or more steps of the method for guiding the processing of financial services described above can be performed. Alternatively, in other embodiments, processor 41 can be configured to execute the method for guiding the processing of financial services through any other appropriate means (e.g., via firmware).

[0095] 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), system-on-chip systems (SOCs), 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.

[0096] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may 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.

[0097] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0098] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device 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 electronic device. 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).

[0099] 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 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), a blockchain network, and the Internet.

[0100] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0101] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0102] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A method for guiding and handling financial services, characterized in that: The method comprises: Determining a blocked page based on user stay data on a visited page and page data of the visited page; Financial services supported by the blocked page and the blocked financial services of the user according to the stay data; Pushing a business handling process matching the blocked financial business to the user.

2. The method according to claim 1, characterized in that The method of determining the blocked page according to the user's stay data on the visited page and the page data of the visited page includes: Determine at least two visited pages based on the user's recent visit records; For each visited page, determining the confidence level that the visited page is a blocked page based on the user's stay data on the visited page and the page data of the visited page; The accessed page with the highest confidence level is determined as the blocked page.

3. The method according to claim 1 or 2, characterized in that The page data includes page properties, page function density and complexity of business processes in the page; the stay data includes access frequency and stay duration.

4. The method according to claim 1, wherein The financial services supported by the blocked page and the blocked financial services of the user according to the parking data include: Determining the financial services supported by the blocked page and the business content of the financial services based on a business category database; The business content and the stay data are input into an intelligent judgment model to obtain the blocked financial business of the user.

5. The method according to claim 4, characterized in that Before determining the financial services supported by the blocked page and the business content of the financial services based on the business category database, the method further includes: Determine the financial services supported by each page in the application based on the page information and function entries contained therein; Build a business category database based on the relationship between pages and financial businesses; Accordingly, the method further includes: When the application is updated, the business category database is updated accordingly according to the updated content.

6. The method according to claim 4, characterized in that The intelligent judgment model is obtained through the following process: Preprocessing the historical access data that meets the screening requirements to obtain training samples, and determining the final transaction in the historical access data as a label for the training sample; The neural network is trained according to the labels and the training samples to obtain an intelligent judgment model.

7. The method according to claim 6, characterized in that The screening requirement includes at least two access behaviors to the same page.

8. A device for guiding and handling financial services, characterized in that: The device comprises: A page determination module, configured to determine a blocked page based on the user's stay data on the visited page and the page data of the visited page; A service determination module, configured to determine the financial services supported by the blocked page and the blocked financial services of the user according to the stop data; A process push module is used to push the business processing process matching the blocked financial business to the user.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for guiding the handling of financial services according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for guiding the handling of financial services according to any one of claims 1 to 7 when executed.

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