Bank system architecture transformation switching method and device

Abstract

The invention discloses a bank system architecture transformation switching method and device, relates to the technical field of interactive and intelligent operation and maintenance, can be used in the field of financial science and technology, and comprises the following steps: receiving transaction data uploaded by a peripheral channel or a front-end system; analyzing enterprise information elements in the transaction data; the enterprise information elements are input into an intention switching model, an intention switching matrix is obtained, the intention switching matrix comprises data sets of enterprises related to the enterprise information elements and associated enterprises, and the intention switching model is constructed according to the enterprise information elements, protocol information elements, series product information elements of a bank system and enterprise relations; and sending the intention switching matrix to a new bank system of architecture transformation, so that the new bank system processes the intention switching matrix. According to the invention, the problems that shutdown replacement is needed during bank system architecture switching, the bank service time is interrupted, and the customer transaction is influenced can be solved.

Description

Technical Field

[0001] The present invention relates to the field of interactive and intelligent operation and maintenance technology, which can be used in the field of financial technology, and in particular to a method and device for switching the transformation of a banking system architecture. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] In the past, when banks underwent system architecture transformations, they typically issued a notice, halted system services, and completed the system replacement within a planned timeframe. During the system replacement period, customers were unable to conduct transactions using the bank's systems. Furthermore, there were differences between corporate and individual customers. Enterprises often have numerous inter-company relationships, and within these relationships, such as when multiple companies belong to the same group or the same institution has multiple branches, when using bank products across these relationships, the simple switching strategy for a single customer cannot be used. Faced with the complexities of a large-scale banking system transition, ensuring a smooth, secure system transition without any disruption to customers becomes a challenge. Summary of the Invention

[0004] An embodiment of the present invention provides a method for transitioning and switching a banking system architecture to address the problem that switching a banking system architecture requires downtime and replacement, interrupting banking service hours, and affecting customer transactions. The method includes:

[0005] Receive transaction data sent from external channels or front-end systems;

[0006] Analyze the enterprise information elements in the transaction data;

[0007] Inputting the enterprise information elements into the intention switching model to obtain an intention switching matrix, wherein the intention switching matrix includes a data set of the enterprise and its related enterprises in the enterprise information elements. The intention switching model is constructed based on the enterprise information elements, the agreement information elements, the series product information elements of the banking system, and the enterprise relationships;

[0008] The intention switching matrix is ​​sent to the new banking system undergoing architecture transformation, so that the new banking system processes the intention switching matrix.

[0009] An embodiment of the present invention further provides a bank system architecture transition switching device to solve the problem that when switching a bank system architecture, downtime and replacement are required, which interrupts bank service hours and affects customer transactions. The device includes:

[0010] Transaction data receiving module, used to receive transaction data sent from external channels or front-end systems;

[0011] Parsing module, used to parse out enterprise information elements in transaction data;

[0012] An intention switching matrix acquisition module is used to input enterprise information elements into an intention switching model to obtain an intention switching matrix. The intention switching matrix includes a data set of enterprises and related enterprises in the enterprise information elements. The intention switching model is constructed based on enterprise information elements, agreement information elements, bank system product series information elements, and enterprise relationships.

[0013] The processing module is used to send the intention switching matrix to the new banking system with architecture transformation, so that the new banking system processes the intention switching matrix.

[0014] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned banking system architecture transformation and switching method is implemented.

[0015] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, which implements the above-mentioned banking system architecture transformation and switching method when executed by a processor.

[0016] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned banking system architecture transformation and switching method.

[0017] In an embodiment of the present invention, transaction data sent from an external channel or a front-end system is received; enterprise information elements in the transaction data are parsed; the enterprise information elements are input into an intention switching model to obtain an intention switching matrix, wherein the intention switching matrix includes a data set involving the enterprise and its related enterprises in the enterprise information elements, and the intention switching model is constructed based on the enterprise information elements, the agreement information elements, the series product information elements of the bank system, and the enterprise relationships; the intention switching matrix is ​​sent to the new bank system undergoing architecture transformation so that the new bank system processes the intention switching matrix. In the above steps, the intention switching matrix including the data set involving the enterprise and its related enterprises in the enterprise information elements can be directly obtained through the intention switching model, and the migration to the new bank system undergoing architecture transformation can be achieved directly through the intention switching matrix, thereby reducing the impact on the business of large customers and reducing the risk of switching during the architecture transformation of the bank system, so as to achieve a seamless switch for customers. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0019] Figure 1 Flowchart of the banking system architecture transformation and switching method according to an embodiment of the present invention;

[0020] Figure 2 A flowchart for constructing an intention switching model in an embodiment of the present invention;

[0021] Figure 3 A detailed flow chart of constructing an intention switching model in an embodiment of the present invention;

[0022] Figure 4 A schematic diagram of a production plan device according to an embodiment of the present invention;

[0023] Figure 5 Schematic diagram of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0024] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0025] The acquisition, storage, use, and processing of data in this application's technical solution comply with relevant national laws and regulations.

[0026] Figure 1 This is a flow chart of a method for transitioning and switching a banking system architecture according to an embodiment of the present invention, including:

[0027] Step 101: receiving transaction data sent from external channels or front-end systems;

[0028] Step 102: parse out the enterprise information elements in the transaction data;

[0029] Step 103: Input the enterprise information elements into the intention switching model to obtain an intention switching matrix. The intention switching matrix includes a data set of the enterprise and its related enterprises in the enterprise information elements. The intention switching model is constructed based on the enterprise information elements, the agreement information elements, the bank system's product series information elements, and the enterprise relationships.

[0030] Step 104 : Send the intention switching matrix to the new banking system with architecture transformation, so that the new banking system processes the intention switching matrix.

[0031] In the above embodiment, the intention-to-switch model can be used to directly obtain an intention-to-switch matrix, which includes a data set related to the enterprise and its associated enterprises within the enterprise information elements. This intention-to-switch matrix can then be used to directly migrate to the new banking system undergoing architecture transformation, minimizing the impact on key customer services and reducing the risk of switching during the bank's system architecture transformation, ultimately achieving a seamless transition for customers. Each step is described in detail below.

[0032] In step 101, transaction data sent from a peripheral channel or a front-end system is received;

[0033] In practice, transactions can include payments, transfers, and other types of transactions, and transaction data will include elements of corporate information. Peripheral channels are those that generate transaction data outside the banking system undergoing architectural transformation, such as point-of-sale (POS) machines and third-party payment institutions.

[0034] In step 102, the enterprise information elements in the transaction data are parsed;

[0035] In one embodiment, parsing the enterprise information elements in the transaction data includes:

[0036] Convert the transaction data in message format to obtain transaction data in text format;

[0037] Parse the enterprise information elements in the transaction data from the text form.

[0038] General transaction data may be a long string of messages containing a variety of information, which is different from the structure of the enterprise information elements in the embodiment of the present invention. The enterprise information elements are structured data.

[0039] In step 103, the enterprise information elements are input into the intention switching model to obtain an intention switching matrix. The intention switching matrix includes a data set of the enterprise and its related enterprises in the enterprise information elements. The intention switching model is constructed based on the enterprise information elements, the agreement information elements, the series product information elements of the banking system, and the enterprise relationships.

[0040] An intention switching model is used in the embodiment of the present invention. First, how to construct the intention switching model is introduced.

[0041] See also Figure 2 In one embodiment, the method further comprises:

[0042] Step 201: Obtain the enterprise information elements created by the enterprise customer when handling business at the bank, wherein the enterprise information elements include enterprise information, customer information and account number;

[0043] Step 202: Obtain information elements of an agreement established by a corporate customer when using a banking product, wherein the information elements include account number, agreement, product, and channel;

[0044] Step 203: Obtain product information elements of the banking system, including product, system module, and service name.

[0045] Step 204: obtaining enterprise relationships provided by a third-party organization, wherein the enterprise relationships include enterprises and relationships;

[0046] Step 205: construct an intention switching model based on the enterprise information elements, the agreement information elements, the product information elements and the enterprise relationship.

[0047] The enterprise information element X can be expressed as (enterprise, customer information, account number); the agreement information element Y can be expressed as (account number, agreement, product, channel), where the agreement is signed between the enterprise customer and the bank, the products include physical products, virtual products and services, etc., and the channels include mobile terminals, web terminals, etc. For example, a customer of an enterprise who handles bank wealth management business can sign a variety of wealth management agreements and purchase different types of wealth management products. For example, when a corporate customer signs an agreement to open a fund pool product, all accounts opened by all enterprises in the enterprise group need to be collected into the group account in real time upon receipt of daily funds. For example, in response to regulatory requirements, funds need to be approved by the regulatory agency when making external payments, and payment can only be made after approval. In this case, it is necessary to sign an account management agreement to control it in accordance with regulatory requirements.

[0048] The series product information element Z can be expressed as (product, system module, service name). For example, the system module can be the module that processes transfers or remittances in the banking system, and the service name is the name of the service corresponding to the system module. The series product information element Z is used to describe the fixed relationship between products within the bank, such as the relatively independent modules used by account managers, fund pools, wealth management, and notice deposit products within the bank.

[0049] The enterprise relationship M can be expressed as (enterprise, relationship, enterprise), where only the inter-enterprise relationships with directly controlled or wholly owned subsidiaries are collected.

[0050] See also Figure 3 ,According to the enterprise information elements, the agreement information elements, the series product information elements and the enterprise relationship, an intention switching model is constructed, including:

[0051] Step 301: Using the account number in the enterprise information element and the account number in the agreement information element as primary keys, the enterprise and customer information are merged with the account number and agreement information elements to obtain first fused data.

[0052] Step 302: Using the product in the first fused data and the product in the product series information element as the primary key, fuse the first fused data and the product series information element to obtain second fused data.

[0053] Step 303: forming an enterprise data set based on the second fused data;

[0054] Step 304: Obtain the related enterprises of the enterprises from the enterprise relationships according to the enterprises in the second fused data;

[0055] Step 305: forming a data set of the associated enterprises based on the associated enterprises and the second fused data;

[0056] Step 306 : The data set of the enterprise and the data sets of the associated enterprises are combined to form an intention switching matrix, where the intention switching matrix is ​​an intention switching model.

[0057] Intention switching model C = ∑ M ∑ X ∑ Y ∑ Z The intention switching model includes the enterprise data set and the data set of related enterprises, where the enterprise data set = (enterprise, customer information, account, agreement, product, channel, system module, scenario service name)

[0058] Data set of associated enterprises = (associated enterprises, customer information, account number, agreement, product, channel, system module, scenario service name).

[0059] In a specific embodiment, when a corporate customer A is about to switch to a banking system on a trial basis, the X of corporate A is input into the intention switching model. The intention switching model performs matrix correlation calculations on M, X, Y, and Z. Through intention switching, the products launched by the corporate in the bank and the products launched by its related companies in the bank are combined to obtain an intention switching matrix C with customer groups as the dimension.

[0060] In one embodiment, the product series information element further includes a switch, wherein the switch is used to indicate automatic switching or manual switching;

[0061] After obtaining the intention switching matrix, it also includes:

[0062] If the switch is automatic, the intended switching matrix is ​​sent to the new banking system for architecture transformation;

[0063] If the switch is manually switched, a switching request instruction is sent to the enterprise user;

[0064] If a continue switching instruction is received from an enterprise user, the intention switching matrix will be sent to the new banking system of the architecture transformation.

[0065] That is, the embodiment of the present invention allows enterprise customers to participate in the switching control. If a non-switching instruction is received from an enterprise user, the intended switching matrix will not be processed.

[0066] In one embodiment, the method further comprises:

[0067] Determining whether a product in the switching matrix has associated products based on a bank product relationship model, wherein the bank product relationship model is used to describe the relationship between bank products;

[0068] If so, the related products will be sent to the new banking system with architectural transformation.

[0069] The bank product relationship model represents the constrained relationship between products, expressed as D = (product, relationship, product). This relationship describes the fixed relationship between products within a bank. Products with related relationships, such as a master product and sub-product relationship or a product group relationship, must switch simultaneously when switching within the same enterprise group. Unrelated products can be switched simultaneously or at different times during a switch. For example, asset pools, fund pool products, account management, and account managers are all group product agreement products. Wealth management products, for example, have multiple wealth management agreement products that have master-sub-product relationships. Therefore, products and agreements must switch simultaneously. This ensures that when a corporate customer switches, all of its affiliated branches or controlled enterprises simultaneously switch to the smallest unit of banking functionality.

[0070] In step 104 , the intention switching matrix is ​​sent to the new banking system undergoing architecture transformation, so that the new banking system processes the intention switching matrix.

[0071] In one embodiment, sending the intention switching matrix to the new banking system undergoing architecture transformation includes:

[0072] Convert the format of the intention switching matrix into the format of the new banking system for architectural transformation;

[0073] The intention switching matrix in the format of the new banking system of the architectural transformation is sent to the new banking system of the architectural transformation.

[0074] During specific implementation, the format of the intention switching matrix may be TCP / IP, and the format of the new banking system may be SNA.

[0075] The embodiment of the present invention further provides a bank system architecture transformation and switching device, the principle of which is similar to the bank system architecture transformation and switching method, and will not be repeated here.

[0076] Figure 4 This is a schematic diagram of a bank system architecture transformation switching device according to an embodiment of the present invention, comprising:

[0077] The transaction data receiving module 401 is used to receive transaction data sent from external channels or front-end systems;

[0078] Parsing module 402, used to parse out enterprise information elements in transaction data;

[0079] The intention switching matrix acquisition module 403 is used to input enterprise information elements into the intention switching model to obtain an intention switching matrix. The intention switching matrix includes a data set of enterprises and related enterprises in the enterprise information elements. The intention switching model is constructed based on enterprise information elements, agreement information elements, bank system product series information elements, and enterprise relationships.

[0080] The processing module 404 is configured to send the intention switching matrix to the new banking system with architecture transformation, so that the new banking system processes the intention switching matrix.

[0081] In one embodiment, the parsing module is specifically used to:

[0082] Convert the transaction data in message format to obtain transaction data in text format;

[0083] Parse the enterprise information elements in the transaction data from the text form.

[0084] In one embodiment, the apparatus further includes an intention switching model building module, configured to:

[0085] Obtaining corporate information elements created by corporate customers when conducting business at the bank, including corporate and customer information and account numbers;

[0086] Obtaining information elements of an agreement established by a corporate customer when using a banking product, including account number, agreement, product, and channel;

[0087] Obtaining a series of product information elements of the banking system, wherein the series of product information elements include product, system module, and service names;

[0088] Obtaining enterprise relationships provided by a third-party organization, wherein the enterprise relationships include enterprises and relationships;

[0089] An intention switching model is constructed based on enterprise information elements, agreement information elements, series product information elements and enterprise relationships.

[0090] In one embodiment, the intention switching model construction module is specifically used to:

[0091] Using the account number in the enterprise information element and the account number in the agreement information element as primary keys, the enterprise and customer information and the account number and agreement information elements are merged to obtain first fused data;

[0092] Taking the product in the first fused data and the product in the product series information element as the primary key, the first fused data and the product series information element are fused to obtain the second fused data;

[0093] forming a data set of the enterprise based on the second fused data;

[0094] According to the enterprises in the second fused data, obtaining the related enterprises of the enterprises from the enterprise relationships;

[0095] Based on the associated enterprises and the second fusion data, a data set of the associated enterprises is formed;

[0096] The data set of the enterprise and the data sets of the related enterprises are formed into an intention switching matrix, and the intention switching matrix is ​​an intention switching model.

[0097] In one embodiment, the product series information element further includes a switch, wherein the switch is used to indicate automatic switching or manual switching;

[0098] The processing module is further configured to: after obtaining the intention switching matrix, if the switch is automatic switching, send the intention switching matrix to the new banking system of the architecture transformation;

[0099] If the switch is manually switched, a switching request instruction is sent to the enterprise user;

[0100] If a continue switching instruction is received from an enterprise user, the intention switching matrix will be sent to the new banking system of the architecture transformation.

[0101] In one embodiment, the processing module is further configured to:

[0102] Determining whether a product in the switching matrix has associated products based on a bank product relationship model, wherein the bank product relationship model is used to describe the relationship between bank products;

[0103] If so, the related products will be sent to the new banking system with architectural transformation.

[0104] In one embodiment, the processing module is configured to:

[0105] Convert the format of the intention switching matrix into the format of the new banking system for architectural transformation;

[0106] The intention switching matrix in the format of the new banking system of the architectural transformation is sent to the new banking system of the architectural transformation.

[0107] In the method and apparatus proposed in the embodiment of the present invention, transaction data sent from peripheral channels or front-end systems are received; enterprise information elements in the transaction data are parsed; the enterprise information elements are input into the intention switching model to obtain an intention switching matrix, wherein the intention switching matrix includes a data set involving the enterprise and related enterprises in the enterprise information elements, and the intention switching model is constructed based on the enterprise information elements, the agreement information elements, the series product information elements of the bank system, and the enterprise relationships; the intention switching matrix is ​​sent to the new bank system undergoing architecture transformation so that the new bank system processes the intention switching matrix. In the above steps, the intention switching matrix including the data set involving the enterprise and related enterprises in the enterprise information elements can be directly obtained through the intention switching model, and the direct migration to the new bank system undergoing architecture transformation can be achieved through the intention switching matrix, thereby reducing the impact on the business of large customers and reducing the risk of switching during the architecture transformation of the bank system, so as to achieve a seamless switch for customers.

[0108] An embodiment of the present invention further provides a computer device, Figure 5 This is a schematic diagram of a computer device in an embodiment of the present invention. The computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, the above-mentioned banking system architecture transformation and switching method is implemented.

[0109] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, which implements the above-mentioned banking system architecture transformation and switching method when executed by a processor.

[0110] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned banking system architecture transformation and switching method.

[0111] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0112] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0113] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0114] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0115] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for switching and transforming a banking system architecture, characterized in that: include: Receive transaction data sent from external channels or front-end systems; Analyze the enterprise information elements in the transaction data; Inputting the enterprise information elements into the intention switching model to obtain an intention switching matrix, wherein the intention switching matrix includes a data set of the enterprise and its related enterprises in the enterprise information elements. The intention switching model is constructed based on the enterprise information elements, the agreement information elements, the series product information elements of the banking system, and the enterprise relationships; The intention switching matrix is ​​sent to the new banking system undergoing architecture transformation, so that the new banking system processes the intention switching matrix.

2. The method according to claim 1, wherein Analyze the enterprise information elements in the transaction data, including: Convert the transaction data in message format to obtain transaction data in text format; Parse the enterprise information elements in the transaction data from the text form.

3. The method according to claim 1, wherein Also includes: Obtaining corporate information elements created by corporate customers when conducting business at the bank, including corporate and customer information and account numbers; Obtaining information elements of an agreement established by a corporate customer when using a banking product, including account number, agreement, product, and channel; Obtaining a series of product information elements of the banking system, wherein the series of product information elements include product, system module, and service names; Obtaining enterprise relationships provided by a third-party organization, wherein the enterprise relationships include enterprises and relationships; An intention switching model is constructed based on enterprise information elements, agreement information elements, series product information elements and enterprise relationships.

4. The method according to claim 3, wherein Based on enterprise information elements, agreement information elements, product information elements and enterprise relationships, an intention switching model is constructed, including: Using the account number in the enterprise information element and the account number in the agreement information element as primary keys, the enterprise and customer information and the account number and agreement information elements are merged to obtain first fused data; Taking the product in the first fused data and the product in the product series information element as the primary key, the first fused data and the product series information element are fused to obtain the second fused data; forming a data set of the enterprise based on the second fused data; According to the enterprises in the second fused data, obtaining the related enterprises of the enterprises from the enterprise relationships; According to the related enterprises and the second fusion data, a data set of the related enterprises is formed; The data set of the enterprise and the data sets of the related enterprises are formed into an intention switching matrix, and the intention switching matrix is ​​an intention switching model.

5. The method according to claim 3, wherein The series product information element also includes a switch, which is used to indicate automatic switching or manual switching; After obtaining the intention switching matrix, it also includes: If the switch is automatic, the intended switching matrix is ​​sent to the new banking system for architecture transformation; If the switch is manually switched, a switching request instruction is sent to the enterprise user; If a continue switching instruction is received from an enterprise user, the intention switching matrix will be sent to the new banking system of the architecture transformation.

6. The method according to claim 1, wherein Also includes: Determining whether a product in the switching matrix has associated products based on a bank product relationship model, wherein the bank product relationship model is used to describe the relationship between bank products; If so, the related products will be sent to the new banking system with architectural transformation.

7. The method according to claim 1, wherein Send the intention switch matrix to the new banking system for architectural transformation, including: Convert the format of the intention switching matrix into the format of the new banking system for architectural transformation; The intention switching matrix in the format of the new banking system of the architectural transformation is sent to the new banking system of the architectural transformation.

8. A bank system architecture transformation switching device, characterized in that: include: Transaction data receiving module, used to receive transaction data sent from external channels or front-end systems; Parsing module, used to parse out enterprise information elements in transaction data; An intention switching matrix acquisition module is used to input enterprise information elements into an intention switching model to obtain an intention switching matrix. The intention switching matrix includes a data set of enterprises and related enterprises in the enterprise information elements. The intention switching model is constructed based on enterprise information elements, agreement information elements, bank system product series information elements, and enterprise relationships. The processing module is used to send the intention switching matrix to the new banking system with architecture transformation, so that the new banking system processes the intention switching matrix.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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