Business handling method, device, equipment, medium and program product

Abstract

The invention provides a business handling method which can be applied to the technical field of financial science and technology. The business handling method comprises the steps that a first business breakpoint appears in response to a first business process, a business handling assistant is called, the first business process comprises N first business nodes, the N first business nodes comprise the first business breakpoint, and N is a positive integer; on the basis of the service handling assistant, K other service processes associated with the first service breakpoint are output, and K is a positive integer; based on a selection instruction received from a user, selecting a second business process in the K other business processes; and switching to the first service breakpoint under the condition that the execution of the service corresponding to the second service process is completed, so that a user completes the service corresponding to the first service process. The invention further provides a business handling device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of financial technology, and specifically to a business processing method, device, equipment, medium and program product. Background Art

[0002] As the mainstay of the financial sector, the banking industry has been actively integrating traditional financial services with emerging technologies for over a decade, promoting online banking services. Mobile banking has become the primary platform for online banking services. However, users currently face the following difficulties when conducting financial services through mobile banking:

[0003] First, since some financial services are highly professional and have lengthy processes, it is difficult for users to complete operations independently and accurately through mobile banking. They still need help from relevant staff, and the operation and communication costs are high.

[0004] Secondly, there are scenarios where current financial transactions cannot be completed independently and require the cooperation of other transactions to complete. This will result in an unsmooth process and users will have to switch between multiple transactions, resulting in a poor experience. For example, if a user finds that the limit is insufficient when transferring money, they need to exit the transfer and enter the transfer limit adjustment function. After completing the limit adjustment, they can enter the transfer page and re-fill in the information.

[0005] Again, the intelligent / manual customer service in mobile banking can only solve problems that arise during the business process for users, and cannot provide transaction guidance or implement multiple transaction combinations.

[0006] Therefore, the complex financial business processing procedures greatly increase the user's operating costs and greatly reduce the user experience and business processing efficiency. Summary of the Invention

[0007] In view of the above problems, the present disclosure provides a business processing method, apparatus, device, medium and program product to improve business processing efficiency and user experience.

[0008] According to a first aspect of the present disclosure, a business processing method is provided, comprising: in response to a first business breakpoint occurring in a first business process, calling up a business processing assistant, wherein the first business process includes N first business nodes, the N first business nodes include the first business breakpoint, and N is a positive integer; based on the business processing assistant, outputting K other business processes associated with the first business breakpoint, where K is a positive integer; based on a selection instruction received from a user, selecting a second business process from the K other business processes; and when the business corresponding to the second business process is executed, switching to the first business breakpoint so that the user can complete the business corresponding to the first business process.

[0009] According to an embodiment of the present disclosure, in response to the occurrence of a first business breakpoint in the first business process, calling up a business processing assistant includes: in response to a preset breakpoint trigger event, determining that the current first business node is the first business breakpoint, and calling up a business processing assistant, wherein the preset breakpoint trigger event includes: a first trigger event and / or a second trigger event, the first trigger event includes receiving a first breakpoint instruction from a user, and the second trigger event includes receiving a second breakpoint instruction from the system.

[0010] According to an embodiment of the present disclosure, the outputting of K other business processes associated with the first business breakpoint based on the business processing assistant includes: receiving a prompt word from the user when the trigger event is the first trigger event; and outputting the K other business processes based on the prompt word through a preset first machine learning model.

[0011] According to an embodiment of the present disclosure, when the trigger event is the first trigger event, receiving a prompt word from the user includes: obtaining L breakpoint page elements in the page screenshot corresponding to the first business breakpoint, where L is a positive integer; based on the L breakpoint page elements, outputting a guide word through a preset second machine learning model; and receiving a prompt word from the user.

[0012] According to an embodiment of the present disclosure, the output of K other business processes associated with the first business breakpoint based on the business processing assistant also includes: when the trigger event is the second trigger event, obtaining the page elements in the page screenshot corresponding to the first business breakpoint, and obtaining Q breakpoint page elements, where Q is a positive integer; based on the matching of the Q breakpoint page elements and the preset transaction page library, obtaining P second business nodes, where P is a positive integer; and based on the P second business nodes, obtaining K other business processes through a preset first mapping relationship, wherein the first mapping relationship is a one-to-many mapping relationship between pre-stored business nodes and business processes.

[0013] According to an embodiment of the present disclosure, the preset transaction page library includes: I preset template screenshots, the preset template screenshots correspond one-to-one to the preset business nodes, I is a positive integer, and the matching based on the Q breakpoint page elements and the preset transaction page library to obtain P second business nodes includes: for any of the preset template screenshots, extracting elements in the preset template screenshot to obtain U template page elements; calculating the similarity based on the Q breakpoint page elements and the U template page elements, U is a positive integer; and when the similarity meets the preset conditions, using the pre-stored business node as the second business node.

[0014] According to an embodiment of the present disclosure, the method for establishing the preset transaction page library includes: in response to a preset update condition, taking a screenshot of a page of any preset business node, obtaining a preset template screenshot, and storing it in the preset transaction page library.

[0015] The second aspect of the present disclosure provides a business processing device, including: a business processing assistant triggering module, used to call up a business processing assistant in response to the occurrence of a first business breakpoint in a first business process, wherein the first business process includes N first business nodes, and the N first business nodes include the first business breakpoint, where N is a positive integer; a business recommendation module, used to output K other business processes associated with the first business breakpoint based on the business processing assistant, where K is a positive integer; a business selection module, used to select a second business process from the K other business processes based on a selection instruction received from a user; and a business processing module, used to switch to the first business breakpoint when the business corresponding to the second business process is executed, so that the user can complete the business corresponding to the first business process.

[0016] According to an embodiment of the present disclosure, the business processing assistant trigger module is specifically used to respond to a preset breakpoint trigger event, determine that the current first business node is the first business breakpoint, and call up the business processing assistant, wherein the preset breakpoint trigger event includes: a first trigger event and / or a second trigger event, the first trigger event includes receiving a first breakpoint instruction from a user, and the second trigger event includes receiving a second breakpoint instruction from the system.

[0017] According to an embodiment of the present disclosure, the business recommendation module includes: a prompt word receiving unit and a first output unit, the prompt word receiving unit is used to receive a prompt word from the user when the trigger event is the first trigger event; and the first output unit is used to output the K other business processes based on the prompt word through a preset first machine learning model.

[0018] According to an embodiment of the present disclosure, the prompt word receiving unit is specifically used to obtain L breakpoint page elements in the page screenshot corresponding to the first business breakpoint, where L is a positive integer; based on the L breakpoint page elements, output a guide word through a preset second machine learning model; and receive a prompt word from the user.

[0019] According to an embodiment of the present disclosure, the business recommendation module also includes: a page element acquisition unit, a page matching unit and a second output unit, the page element acquisition unit is used to obtain the page element in the page screenshot corresponding to the first business breakpoint when the trigger event is the second trigger event, and obtain Q breakpoint page elements, Q is a positive integer; the page matching unit is used to obtain P second business nodes based on the Q breakpoint page elements and the preset transaction page library, P is a positive integer; and the second output unit is used to obtain K other business processes based on the P second business nodes through a preset first mapping relationship, wherein the first mapping relationship is a one-to-many mapping relationship between pre-stored business nodes and business processes.

[0020] According to an embodiment of the present disclosure, the preset transaction page library includes: I preset template screenshots, the preset template screenshots correspond one-to-one to the preset business nodes, I is a positive integer, the second output unit is specifically used to extract the elements in the preset template screenshot for any of the preset template screenshots, and obtain U template page elements; calculate the similarity based on the Q breakpoint page elements and the U template page elements, U is a positive integer; and when the similarity meets the preset conditions, use the pre-stored business node as the second business node.

[0021] According to an embodiment of the present disclosure, the device also includes a transaction page library maintenance module, which is used to take a screenshot of the page of any preset business node in response to preset update conditions, obtain a preset template screenshot, and store it in the preset transaction page library.

[0022] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0023] The fourth aspect of the present disclosure further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the computer program or instructions are executed by a processor.

[0024] The fifth aspect of the present disclosure further provides a computer program product, comprising a computer program or instructions, which implement the steps of the above method when executed by a processor.

[0025] In an embodiment of the present disclosure, in order to solve the technical problem of low efficiency and poor user experience caused by complex / combined transactions in the business processing process, the embodiment of the present disclosure first monitors the occurrence of breakpoints in the current first business process during the business processing process, calls up a business processing assistant, and then recommends multiple other business processes associated with the first business breakpoint through the business processing assistant, where these other business processes have the potential to solve the current business breakpoint, selects the second business process among them to solve the problem existing in the current business breakpoint, and finally switches back to the current first business breakpoint after the execution of the second business process is completed to complete the current first business process, thereby realizing the execution of the combined transaction. The embodiment of the present disclosure can at least achieve the following beneficial effects: the business processing assistant can guide users to complete complex / combined process transactions, breaking the current situation where different business processes are unrelated to each other and cause difficulties in business switching, so that the user experience can be greatly improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0027] Figure 1 Schematically shows an application scenario diagram of the business processing method according to an embodiment of the present disclosure;

[0028] Figure 2 A flowchart of a business handling method according to an embodiment of the present disclosure is schematically shown;

[0029] Figure 3 A flowchart schematically illustrates a transaction method of a business processing assistant according to an embodiment of the present disclosure;

[0030] Figure 4 A flowchart schematically illustrates another transaction method of a business processing assistant according to an embodiment of the present disclosure;

[0031] Figure 5 Schematically shows a structural block diagram of a business processing device according to an embodiment of the present disclosure; and

[0032] Figure 6 A block diagram of an electronic device suitable for implementing a business processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0033] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the detailed description below, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0034] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise," "include," etc. used herein indicate the presence of the features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0035] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0036] When expressions such as "at least one of A, B, and C, etc." are used, they should generally be interpreted in accordance with the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0037] Users perform online business transactions through mobile banking. During this process, the normal processing of business is ensured by executing various nodes of the business process on a certain business process. However, the business processes of various business processes in mobile banking are independent of each other. In the existing technology, if a user encounters difficulties in a certain business processing process, resulting in a breakpoint in the business process, it is necessary to exit the process, resolve the breakpoint problem, and then restart the business process to continue processing the business. For example, when a user transfers money, when the account balance does not meet the transfer limit, the user needs to exit the process, adjust the transfer limit, and then restart the transfer business process. This operation method increases the user's operating difficulty, reduces the efficiency of business processing, and gives a poor user experience.

[0038] Taking as an example, an embodiment of the present disclosure provides a business processing method, the method comprising: in response to a first business breakpoint occurring in a first business process, calling up a business processing assistant, wherein the first business process includes N first business nodes, the N first business nodes include the first business breakpoint, and N is a positive integer; based on the business processing assistant, outputting K other business processes associated with the first business breakpoint, where K is a positive integer; based on a selection instruction received from a user, selecting a second business process from the K other business processes; and when the business corresponding to the second business process is executed, switching to the first business breakpoint so that the user can complete the business corresponding to the first business process.

[0039] In an embodiment of the present disclosure, in order to solve the technical problem of low efficiency and poor user experience caused by complex / combined transactions in the business processing process, the embodiment of the present disclosure first monitors the occurrence of breakpoints in the current first business process during the business processing process, calls up a business processing assistant, and then recommends multiple other business processes associated with the first business breakpoint through the business processing assistant, where these other business processes have the potential to solve the current business breakpoint, selects the second business process among them to solve the problem existing in the current business breakpoint, and finally switches back to the current first business breakpoint after the execution of the second business process is completed to complete the current first business process, thereby realizing the execution of the combined transaction. The embodiment of the present disclosure can at least achieve the following beneficial effects: the business processing assistant can guide users to complete complex / combined process transactions, breaking the current situation where different business processes are unrelated to each other and cause difficulties in business switching, so that the user experience can be greatly improved.

[0040] Figure 1 The application scenario diagram of the business processing method according to the embodiment of the present disclosure is schematically shown.

[0041] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links or optical fiber cables.

[0042] A user may use a first terminal device 101, a second terminal device 102, or a third terminal device 103 to interact with a server 105 via a network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, or the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (for example only).

[0043] The first terminal device 101 , the second terminal device 102 , and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0044] The server 105 may be a server that provides various services, such as a background management server (for example only) that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process received data such as user requests, and feed back processing results (e.g., web pages, information, or data obtained or generated based on user requests) to the terminal devices.

[0045] It should be noted that the business processing method provided in the embodiments of the present disclosure can generally be executed by the server 105. Accordingly, the business processing apparatus provided in the embodiments of the present disclosure can generally be set in the server 105. The business processing method provided in the embodiments of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Accordingly, the business processing apparatus provided in the embodiments of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0046] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0047] The following will be based on Figure 1 The scene described by Figures 2 to 4 The business handling method of the disclosed embodiment is described in detail.

[0048] Figure 2 The flowchart of the business processing method according to the embodiment of the present disclosure is schematically shown.

[0049] like Figure 2 As shown, the business processing method of this embodiment includes operations S210 to S240, and the business processing method can be executed by the server 105.

[0050] In operation S210, in response to a first business breakpoint occurring in a first business process, a business processing assistant is called up, wherein the first business process includes N first business nodes, the N first business nodes include the first business breakpoint, and N is a positive integer.

[0051] A business process refers to the business process required for handling a business. A business process includes multiple business nodes. In a single business process, a user can successfully complete the business by executing some of the multiple business nodes in the business process. For example, if a user needs to handle a transfer, the business process for this transfer business includes: 1. The transfer and remittance node, 2. The transfer and remittance node's downstream business nodes, such as the account transfer node, mobile phone transfer node, and cross-border transfer node. Users can complete the business by clicking on the page corresponding to each business node and completing the required forms on the page. Different business processes are independent of each other.

[0052] A business breakpoint refers to a point in the business process where the processing at a certain business node is terminated, causing the entire business processing process to be unable to continue. This business node is called a business breakpoint.

[0053] Among them, the business processing assistant refers to the automated logic that helps / guides users to complete the business process. The business processing assistant can help / guide users to complete the entire business processing process through pre-stored solutions to some common questions. The business processing assistant can also use pre-trained machine learning models (such as large models) to provide recommended solutions for business breakpoint processing, thereby helping / guide users to complete the entire business processing process.

[0054] According to an embodiment of the present disclosure, in response to the occurrence of a first business breakpoint in the first business process, calling up a business processing assistant includes: in response to a preset breakpoint trigger event, determining that the current first business node is the first business breakpoint, and calling up a business processing assistant, wherein the preset breakpoint trigger event includes: a first trigger event and / or a second trigger event, the first trigger event includes receiving a first breakpoint instruction from a user, and the second trigger event includes receiving a second breakpoint instruction from the system.

[0055] Among them, the preset trigger event can be actively triggered or passively triggered. Active triggering means that the user actively issues a breakpoint instruction to seek help from the business processing assistant, such as when the user actively issues the first breakpoint instruction to seek help when the process is complicated; passive triggering means being triggered by some pre-set conditions, that is, the triggering conditions of the second breakpoint instruction include: system error, long period of no operation, etc.

[0056] In a typical scenario, a user conducts business through mobile banking / branch self-service equipment. When they want to transfer money to someone, they enter the transfer business process. When the business reaches the account transfer node, the user intends to transfer 10,000 yuan, but the current transfer limit is only 5,000 yuan. This triggers the processing of an error message and calls the business processing assistant to guide the user in handling the business.

[0057] In operation S220, based on the business processing assistant, K other business processes associated with the first business breakpoint are output, where K is a positive integer.

[0058] Specifically, the business processing assistant may proactively recommend other business processes for resolving the first business breakpoint, or may obtain other business processes for resolving the first business breakpoint based on the user's intention during the interaction between the business processing assistant and the user.

[0059] The following schematically illustrates two transaction methods based on the business processing assistant, as follows:

[0060] Figure 3 The flowchart schematically shows a transaction method of a business processing assistant according to an embodiment of the present disclosure.

[0061] like Figure 3 As shown, a business handling method of this embodiment includes operations S310 to S320. Operations S310 to S320 can at least partially perform the above-mentioned operation S220, as shown below:

[0062] In operation S310 , when the triggering event is the first triggering event, a prompt word is received from a user.

[0063] Specifically, when a user proactively requests assistance from a service assistant, the user sends a corresponding prompt to the service assistant. This prompt may, for example, describe the service the user intends to handle or the difficulty the user is currently encountering. The prompt may be received and processed in a multimodal manner, for example, in voice, text, or other modes.

[0064] According to an embodiment of the present disclosure, when the trigger event is the first trigger event, receiving a prompt word from the user includes: obtaining L breakpoint page elements in the page screenshot corresponding to the first business breakpoint, where L is a positive integer; based on the L breakpoint page elements, outputting a guide word through a preset second machine learning model; and receiving a prompt word from the user.

[0065] In order to more accurately output other business processes that meet user requirements, the embodiments of the present disclosure can guide users to input prompt words through dialogue conversations, and output corresponding guide words through a preset second machine learning model during the conversation to guide users to input prompt words.

[0066] Among them, breakpoint page elements include: text, images, layouts, forms, and interactive elements.

[0067] It should be noted that the breakpoint page element only contains the page information itself, and does not contain user-related information.

[0068] In a typical scenario, after processing the error message, it is found that the limit adjustment function can solve the current problem. Then, the limit adjustment process is initiated, and the user is asked, "Your current transfer limit is only 5,000 yuan. Do you need to adjust the upper limit to 10,000 yuan?" The user answers "yes". After the limit adjustment is completed, the original transaction process is returned to, and subsequent questions such as "Do you want to leave him a message" are answered to complete the transfer.

[0069] In operation S320, based on the prompt word, the K other business processes are output through a preset first machine learning model.

[0070] Specifically, the first machine learning model directly recommends other business processes related to the current business breakpoint through prompt words.

[0071] Among them, the first machine learning model and the second machine learning model are pre-trained, for example, they can be implemented by fine-tuning the large model and associating it with the push interface of other business processes.

[0072] In a typical scenario, when a user encounters a difficult question during a transaction, such as difficulty understanding a field or understanding the meaning of a function, they can directly ask questions in the conversation. The business assistant service searches the mobile banking customer service database for answers and provides them with answers, continuing the process after the issue is resolved. For example, if a user wishes to repay a credit card, the conversation may ask questions such as "Which card do you want to repay?", "My current repayment account balance is insufficient. Do you want to pay in installments?", or "Which of the following installment methods would you prefer?" The user then asks, "What are the differences between XX installment and XX installment?" The business assistant model retrieves the customer service database, finds the definitions and differences between the two installment methods, and informs the customer. The user selects "I want XX installment," and the business assistant retrieves the XX installment page, deconstructs it, and enters the installment payment conversation process.

[0073] Figure 4 A flowchart schematically illustrates another transaction method of a business processing assistant according to an embodiment of the present disclosure.

[0074] like Figure 4 As shown, another business handling method of this embodiment includes operations S410 to S430. Operations S410 to S430 can at least partially perform the above operation S220, as shown below:

[0075] In operation S410, when the triggering event is the second triggering event, the page elements in the page screenshot corresponding to the first business breakpoint are obtained to obtain Q breakpoint page elements, where Q is a positive integer.

[0076] The page screenshot corresponding to the first business breakpoint does not include user personal information, and only non-user personal information on the page is screenshoted.

[0077] Specifically, when the business processing assistant is passively called under certain triggering conditions, it is necessary to obtain the page elements of the current first business breakpoint to know the description of the current first business breakpoint, so as to facilitate the subsequent output of other related business processes without user prompts.

[0078] It should be noted that there are certain differences between the Q breakpoint page elements mentioned above and the L breakpoint page elements mentioned above. Since the Q breakpoint page elements are passively triggered, in addition to the original elements, they also include page elements for error reminders (such as limit errors). Since the L breakpoint page elements are actively triggered to call the business assistant, the elements extracted from the page are those that come with the form, and do not include page elements such as error reminders.

[0079] According to an embodiment of the present disclosure, the preset transaction page library includes: I preset template screenshots, the preset template screenshots correspond one-to-one to the preset business nodes, I is a positive integer, and the matching based on the Q breakpoint page elements and the preset transaction page library to obtain P second business nodes includes: for any of the preset template screenshots, extracting elements in the preset template screenshot to obtain U template page elements; calculating the similarity based on the Q breakpoint page elements and the U template page elements, U is a positive integer; and when the similarity meets the preset conditions, using the pre-stored business node as the second business node.

[0080] Among them, the preset transaction page library saves pre-stored page screenshots, which correspond one-to-one to the business nodes.

[0081] The preset conditions include: meeting a similarity threshold, meeting a ranking digit of a similarity value, etc.

[0082] Specifically, the Q breakpoint page elements corresponding to the current first business breakpoint are matched with any page screenshot in the preset transaction page library through page elements, and their similarity is calculated.

[0083] In a typical scenario, the text features of elements are extracted and vectorized, and the similarity between two pages is calculated using similarity distance. In another typical scenario, a neural network model can be pre-trained to learn the similarity between two pages.

[0084] According to an embodiment of the present disclosure, the method for establishing the preset transaction page library includes: in response to a preset update condition, taking a screenshot of a page of any preset business node, obtaining a preset template screenshot, and storing it in the preset transaction page library.

[0085] The preset update conditions include: software update / upgrade, a certain preset period or manually sent instructions, etc.

[0086] It should be noted that the existing business process disassembly is done manually, which is costly and cannot cover a large area of ​​online financial transactions. Moreover, when the original transaction page is updated, the dialogue process cannot be updated synchronously, resulting in high maintenance costs.

[0087] In a typical scenario, the mobile banking transaction process is automatically run through the cloud platform, and screenshots of each page in the transaction process are pre-stored. When the transaction is updated, the transaction process is run again to take screenshots, replace the old pages, and update the transaction screenshots in the storage in a timely manner.

[0088] In operation S420, based on the matching of the Q breakpoint page elements and the preset transaction page library, P second business nodes are obtained, where P is a positive integer.

[0089] Specifically, P successfully matched second service nodes are selected to find the service process where each second service node is located.

[0090] It should be noted that different business processes are often independent of each other. The prior art does not provide a solution for associating a business node with other business processes. To switch business processes, the prior art requires exiting the current business process and then switching to another one. In the disclosed embodiments, the business processing assistant's logic outputs other business processes associated with the current business breakpoint. When selecting another business process later, the current breakpoint's node can be retained for easy switching back.

[0091] In operation S430, based on the P second service nodes, K other service processes are obtained through a preset first mapping relationship, wherein the first mapping relationship is a one-to-many mapping relationship between pre-stored service nodes and service processes.

[0092] Specifically, since the relationship between business nodes and business processes is one-to-many, for example, business node 1 (e.g., repayment business) can be in business process 1 (e.g., credit business 1), and business node (e.g., repayment business) can also be in business process 2 (e.g., credit business 2). Therefore, according to the pre-defined mapping relationship, K corresponding other business processes are found for subsequent user selection.

[0093] In operation S230 , based on the selection instruction received from the user, a second business process among the K other business processes is selected.

[0094] In operation S240 , when the execution of the service corresponding to the second business process is completed, switching to the first service breakpoint is performed so that the user can complete the service corresponding to the first business process.

[0095] Specifically, the user selects any one of K other business processes to implement the processing.

[0096] It should be noted that different business processes are often independent of each other. The prior art does not provide a solution for associating a business node with other business processes. To switch business processes, the prior art requires exiting the current business process and then switching to another one. In the disclosed embodiments, the business processing assistant's logic outputs other business processes associated with the current business breakpoint. When selecting another business process later, the current breakpoint stage can be retained for easy switching back.

[0097] In a typical scenario, if the current transaction encounters a breakpoint and the user is unable to complete the transaction, the user can use the error information to determine the solution, retrieve the screenshot of the transaction page corresponding to the solution and decouple it. After resolving the current error, the user can return to the original transaction breakpoint to continue subsequent transactions.

[0098] In an embodiment of the present disclosure, in order to solve the technical problem of low efficiency and poor user experience caused by complex / combined transactions in the business processing process, the embodiment of the present disclosure first monitors the occurrence of breakpoints in the current first business process during the business processing process, calls up a business processing assistant, and then recommends multiple other business processes associated with the first business breakpoint through the business processing assistant, where these other business processes have the potential to solve the current business breakpoint, selects the second business process among them to solve the problem existing in the current business breakpoint, and finally switches back to the current first business breakpoint after the execution of the second business process is completed to complete the current first business process, thereby realizing the execution of the combined transaction. The embodiment of the present disclosure can at least achieve the following beneficial effects: the business processing assistant can guide users to complete complex / combined process transactions, breaking the current situation where different business processes are unrelated to each other and cause difficulties in business switching, so that the user experience can be greatly improved.

[0099] Based on the above business handling method, the present disclosure also provides a business handling device. Figure 5 The device is described in detail.

[0100] Figure 5 The structural block diagram of the business processing device according to an embodiment of the present disclosure is schematically shown.

[0101] like Figure 5 As shown, the business processing device 500 of this embodiment includes a business processing assistant triggering module 510, a business recommendation module 520, a business selection module 530 and a business processing module 540.

[0102] The business processing assistant triggering module 510 is configured to invoke the business processing assistant in response to a first business breakpoint occurring in a first business process, where the first business process includes N first business nodes, each of which includes the first business breakpoint, where N is a positive integer. In one embodiment, the business processing assistant triggering module 510 may be configured to execute operation S210 described above, and will not be further described herein.

[0103] The business recommendation module 520 is used to output K other business processes associated with the first business breakpoint based on the business handling assistant, where K is a positive integer. In one embodiment, the business recommendation module 520 can be used to perform the operation S220 described above, which will not be repeated here.

[0104] The service selection module 530 is configured to select a second service process from the K other service processes based on the selection instruction received from the user. In one embodiment, the service selection module 530 may be configured to execute the operation S230 described above, which will not be described in detail herein.

[0105] The business processing module 540 is used to switch to the first business breakpoint when the business corresponding to the second business process is completed, so that the user can complete the business corresponding to the first business process. In one embodiment, the business processing module 540 can be used to perform the operation S240 described above, which will not be repeated here.

[0106] In an embodiment of the present disclosure, in order to solve the technical problem of low efficiency and poor user experience caused by complex / combined transactions in the business processing process, the embodiment of the present disclosure first monitors the occurrence of breakpoints in the current first business process during the business processing process, calls up a business processing assistant, and then recommends multiple other business processes associated with the first business breakpoint through the business processing assistant, where these other business processes have the potential to solve the current business breakpoint, selects the second business process among them to solve the problem existing in the current business breakpoint, and finally switches back to the current first business breakpoint after the execution of the second business process is completed to complete the current first business process, thereby realizing the execution of the combined transaction. The embodiment of the present disclosure can at least achieve the following beneficial effects: the business processing assistant can guide users to complete complex / combined process transactions, breaking the current situation where different business processes are unrelated to each other and cause difficulties in business switching, so that the user experience can be greatly improved.

[0107] According to an embodiment of the present disclosure, the business processing assistant trigger module is specifically used to respond to a preset breakpoint trigger event, determine that the current first business node is the first business breakpoint, and call up the business processing assistant, wherein the preset breakpoint trigger event includes: a first trigger event and / or a second trigger event, the first trigger event includes receiving a first breakpoint instruction from a user, and the second trigger event includes receiving a second breakpoint instruction from the system.

[0108] According to an embodiment of the present disclosure, the business recommendation module includes: a prompt word receiving unit and a first output unit, the prompt word receiving unit is used to receive a prompt word from the user when the trigger event is the first trigger event; and the first output unit is used to output the K other business processes based on the prompt word through a preset first machine learning model.

[0109] According to an embodiment of the present disclosure, the prompt word receiving unit is specifically used to obtain L breakpoint page elements in the page screenshot corresponding to the first business breakpoint, where L is a positive integer; based on the L breakpoint page elements, output a guide word through a preset second machine learning model; and receive a prompt word from the user.

[0110] According to an embodiment of the present disclosure, the business recommendation module also includes: a page element acquisition unit, a page matching unit and a second output unit, the page element acquisition unit is used to obtain the page element in the page screenshot corresponding to the first business breakpoint when the trigger event is the second trigger event, and obtain Q breakpoint page elements, Q is a positive integer; the page matching unit is used to obtain P second business nodes based on the Q breakpoint page elements and the preset transaction page library, P is a positive integer; and the second output unit is used to obtain K other business processes based on the P second business nodes through a preset first mapping relationship, wherein the first mapping relationship is a one-to-many mapping relationship between pre-stored business nodes and business processes.

[0111] According to an embodiment of the present disclosure, the preset transaction page library includes: I preset template screenshots, the preset template screenshots correspond one-to-one to the preset business nodes, I is a positive integer, the second output unit is specifically used to extract the elements in the preset template screenshot for any of the preset template screenshots, and obtain U template page elements; calculate the similarity based on the Q breakpoint page elements and the U template page elements, U is a positive integer; and when the similarity meets the preset conditions, use the pre-stored business node as the second business node.

[0112] According to an embodiment of the present disclosure, the device also includes a transaction page library maintenance module, which is used to take a screenshot of the page of any preset business node in response to preset update conditions, obtain a preset template screenshot, and store it in the preset transaction page library.

[0113] According to embodiments of the present disclosure, any multiple modules among the business processing assistant trigger module 510, the business recommendation module 520, the business selection module 530, and the business processing module 540 can be combined into a single module, or any one of these modules can be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules can be combined with at least part of the functionality of other modules and implemented in a single module. According to embodiments of the present disclosure, at least one of the business processing assistant trigger module 510, the business recommendation module 520, the business selection module 530, and the business processing module 540 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented in hardware or firmware through any other reasonable means of circuit integration or packaging, or can be implemented in any one of the three implementation methods of software, hardware, and firmware, or any appropriate combination of any of these. Alternatively, at least one of the business processing assistant trigger module 510, the business recommendation module 520, the business selection module 530 and the business processing module 540 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0114] Figure 6 A block diagram of an electronic device suitable for implementing a business processing method according to an embodiment of the present disclosure is schematically shown.

[0115] like Figure 6 As shown, an electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage portion 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0116] Various programs and data required for the operation of the electronic device 600 are stored in the RAM 603. The processor 601, ROM 602, and RAM 603 are connected to each other via a bus 604. The processor 601 executes the various operations of the method flow according to the embodiment of the present disclosure by executing the programs in the ROM 602 and / or RAM 603. It should be noted that the programs may also be stored in one or more memories other than the ROM 602 and RAM 603. The processor 601 may also execute the various operations of the method flow according to the embodiment of the present disclosure by executing the programs stored in the one or more memories.

[0117] According to an embodiment of the present disclosure, electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to bus 604. Electronic device 600 may also include one or more of the following components connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including devices such as a cathode ray tube (CRT), liquid crystal display (LCD), and speakers; a storage section 608 including a hard disk; and a communication section 609 including a network interface card such as a LAN card or modem. Communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. Removable media 611, such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed in drive 610 as needed, so that computer programs read from the removable media can be installed into storage section 608 as needed.

[0118] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments, or may exist independently and not be incorporated into the device / apparatus / system. The computer-readable storage medium carries one or more programs, and when executed, implements the method according to the embodiments of the present disclosure.

[0119] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, and may include, for example, but not limited to: 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), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above, and / or one or more memories other than ROM 602 and RAM 603.

[0120] The embodiments of the present disclosure also include a computer program product, which includes a computer program containing program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the method provided by the embodiments of the present disclosure.

[0121] The computer program executes the above functions defined in the system / device of the embodiment of the present disclosure when the processor 601 executes the computer program. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0122] In one embodiment, the computer program may be stored on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may be transmitted and distributed in the form of a signal on a network medium, downloaded and installed via the communication portion 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to wireless, wired, or any suitable combination thereof.

[0123] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 609, and / or installed from a removable medium 611. When the computer program is executed by the processor 601, the above-described functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the systems, devices, means, modules, units, etc. described above can be implemented by computer program modules.

[0124] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computer programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C" or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect via the Internet).

[0125] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0126] Those skilled in the art will appreciate that the features described in the various embodiments of the present disclosure may be combined and / or coupled in various ways, even if such combinations or couplings are not explicitly described in the present disclosure. In particular, the features described in the various embodiments of the present disclosure may be combined and / or coupled in various ways without departing from the spirit and teachings of the present disclosure. All such combinations and / or couplings fall within the scope of the present disclosure.

[0127] The above describes the embodiments of the present disclosure. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although each embodiment has been described separately above, this does not mean that the measures in each embodiment cannot be advantageously used in combination. Without departing from the scope of the present disclosure, those skilled in the art may make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A business handling method, characterized in that: The method comprises: In response to a first service breakpoint occurring in a first service process, calling a service processing assistant, wherein the first service process includes N first service nodes, the N first service nodes include the first service breakpoint, and N is a positive integer; Based on the business processing assistant, output K other business processes associated with the first business breakpoint, where K is a positive integer; Selecting a second business process from the K other business processes based on a selection instruction received from the user; and When the service corresponding to the second service process is completed, the process switches to the first service breakpoint so that the user can complete the service corresponding to the first service process.

2. The method according to claim 1, characterized in that In response to the first business breakpoint occurring in the first business process, calling up the business processing assistant includes: In response to a preset breakpoint trigger event, the current first business node is determined to be the first business breakpoint, and a business processing assistant is called up, wherein the preset breakpoint trigger event includes: a first trigger event and / or a second trigger event, the first trigger event includes receiving a first breakpoint instruction from the user, and the second trigger event includes receiving a second breakpoint instruction from the system.

3. The method according to claim 2, characterized in that The outputting, based on the business processing assistant, K other business processes associated with the first business breakpoint includes: In a case where the triggering event is the first triggering event, receiving a prompt word from a user; and Based on the prompt word, the K other business processes are output through a preset first machine learning model.

4. The method according to claim 3, characterized in that When the triggering event is the first triggering event, receiving a prompt word from the user includes: Obtain L breakpoint page elements in the page screenshot corresponding to the first business breakpoint, where L is a positive integer; Based on the L breakpoint page elements, outputting a guide word through a preset second machine learning model; and Receive a prompt word from the user.

5. The method according to claim 2, characterized in that Outputting K other business processes associated with the first business breakpoint based on the business processing assistant further includes: When the trigger event is the second trigger event, obtain the page elements in the page screenshot corresponding to the first service breakpoint to obtain Q breakpoint page elements, where Q is a positive integer; Based on the matching of the Q breakpoint page elements with the preset transaction page library, P second business nodes are obtained, where P is a positive integer; and Based on the P second service nodes, K other service processes are obtained through a preset first mapping relationship, wherein the first mapping relationship is a one-to-many mapping relationship between pre-stored service nodes and service processes.

6. The method according to claim 5, characterized in that in, The preset transaction page library includes: I preset template screenshots, each of which corresponds to a preset business node, where I is a positive integer. The obtaining of P second business nodes based on matching the Q breakpoint page elements with a preset transaction page library includes: For any of the preset template screenshots, extract elements in the preset template screenshot to obtain U template page elements; Calculating similarities based on the Q breakpoint page elements and the U template page elements, where U is a positive integer; and When the similarity meets a preset condition, the pre-stored service node is used as the second service node.

7. The method according to claim 6, characterized in that The method for establishing the preset transaction page library includes: In response to the preset update condition, a screenshot is taken of a page of any preset business node to obtain a preset template screenshot, and the screenshot is stored in the preset transaction page library.

8. A business processing device, comprising: a business processing assistant triggering module, configured to invoke the business processing assistant in response to a first business breakpoint occurring in a first business process, wherein the first business process includes N first business nodes, the N first business nodes include the first business breakpoint, and N is a positive integer; a business recommendation module, configured to output, based on the business processing assistant, K other business processes associated with the first business breakpoint, where K is a positive integer; a business selection module, configured to select a second business process from the K other business processes based on a selection instruction received from a user; and The business processing module is used to switch to the first business breakpoint when the business corresponding to the second business process is completed, so that the user can complete the business corresponding to the first business process.

9. An electronic device comprising: one or more processors; a memory for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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