Route guiding method and device for assisting in handling financial business and electronic equipment

Abstract

The invention discloses a route guiding method and device for assisting in handling financial services and electronic equipment. The method comprises the following steps: identifying a target financial service, an initial address and handling time indicated in a target service handling request; obtaining login information input when a target user logs in the user side, determining mechanism indexes of M initial mechanisms according to the login information and the target financial service, and obtaining the M initial mechanism indexes; according to the handling time, the initial address and the mechanism address of each initial mechanism, respectively determining a business handling route of each initial mechanism, and obtaining M business handling routes; and selecting a target mechanism from the M initial mechanisms according to the M business handling routes and the M initial mechanism indexes. Through application of the method and the device, the problems of relatively high complexity and relatively low business handling efficiency caused by the fact that a user needs to select a financial institution and inquire a route when handling business in an offline institution in related technologies are solved.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence, and more specifically, to a route guidance method, apparatus, and electronic device for assisting in conducting financial transactions. Background Technology

[0002] As online financial services continue to grow, more and more users are shifting their offline financial transactions online. However, some users, such as the elderly, still need to visit physical locations to conduct their transactions. To facilitate these users' offline financial transactions, financial institutions typically develop map applications and add the location information of each institution to these applications. This allows users to easily locate financial institutions and conduct their transactions through the map application.

[0003] However, currently, when users conduct financial transactions, they can only find the location of the service provider through a map application. Users still need to select the service provider and find the route themselves, which makes the process of going to the service provider to conduct offline business complicated and cumbersome, preventing some users from going to the service provider smoothly.

[0004] At the same time, when users arrive at the business handling institution on their own, there may be situations where the institution is unable to handle the financial business that the user needs, which will greatly reduce the efficiency of the user's business handling.

[0005] There is currently no effective solution to the problem that users have to choose financial institutions and find routes themselves when conducting business at offline institutions, which leads to high complexity and low efficiency in business processing. Summary of the Invention

[0006] The main purpose of this application is to provide a route guidance method, device, and electronic device to assist in handling financial business, so as to solve the problem in the related technology that users need to select financial institutions and look up routes when handling business at offline institutions, which leads to high complexity and low efficiency in handling business at offline institutions.

[0007] To achieve the above objectives, according to one aspect of this application, a route guidance method for assisting in handling financial transactions is provided. The method includes: receiving a target user's request for handling a target transaction sent through a user terminal, and identifying the target financial transaction, starting address, and transaction time indicated in the request; obtaining login information entered by the target user when logging into the user terminal, determining M initial institution indices based on the login information and the target financial transaction, resulting in M ​​initial institution indices, where M is a positive integer; determining the transaction route for each initial institution based on the transaction time, starting address, and the institution address of each initial institution, resulting in M ​​transaction routes, where each transaction route refers to the route from the starting address to the initial institution; selecting a target institution from the M initial institutions based on the M transaction routes and the M initial institution indices, and displaying the target institution's information and the target transaction route on the user terminal.

[0008] Optionally, determining the institutional indices of M initial institutions based on login information and the target financial business, and obtaining the M initial institutional indices includes: obtaining an initial weight value matrix under the target financial business, wherein the initial weight value matrix includes H institutional features and the weight value of each institutional feature, where H is a positive integer; determining whether there is weight value adjustment information in the login information, and if there is weight value adjustment information in the login information, adjusting the initial weight value matrix according to the weight value adjustment information to obtain the target weight value matrix; obtaining the feature value set of each initial institution, resulting in M ​​feature value sets, wherein each feature value set includes H institutional features and the feature value of each institutional feature; and performing a weighted summation calculation on the feature value sets of each initial set using the target weight value matrix to obtain the initial institutional index of each initial institution.

[0009] Optionally, the business processing routes for each initial institution are determined based on the processing time, starting address, and institution address, resulting in M ​​business processing routes. These routes include: for any initial institution, determining the route from the starting address to the institution address based on the map, resulting in N initial routes, where N is a positive integer; obtaining traffic information for each initial route during the processing time, resulting in N traffic information items; determining the route index for each initial route based on the route distance and traffic information of the N initial routes, and determining the initial route with the largest route index as the business processing route for the initial institution.

[0010] Optionally, selecting a target institution from M initial institutions based on M business processing routes and M initial institution indices includes: obtaining the route index for each business processing route, and determining a first weight value for the route index and a second weight value for the initial institution index; weighting and summing the route index and initial institution index of each initial institution based on the first weight value and the second weight value to obtain the target institution index for each initial institution; and selecting a target institution from the M initial institutions based on the target institution index of each initial institution.

[0011] Optionally, selecting a target institution from M initial institutions based on the target institution index of each initial institution includes: sorting the target institution indices of each initial institution in numerical order to obtain an institution index sequence, wherein the institution index sequence includes M initial institutions and the target institution index of each initial institution; extracting a segment of the institution index sequence whose index value is greater than a preset threshold to obtain a target sequence segment; sending the target sequence segment to the user terminal, and upon receiving a click instruction sent by the target user through the user terminal, determining the target institution from the target sequence segment according to the click instruction; or, determining the initial institution with the largest target institution index as the target institution.

[0012] Optionally, after receiving the target user's request for handling the target business through the user terminal, the method further includes: obtaining a list of historical institutions visited by the target user within a historical time period; determining whether the list of institutions contains only one historical institution; if the list of institutions contains only one historical institution, identifying that historical institution as the target institution; if the list of institutions contains multiple historical institutions, performing the steps of identifying the target financial business, starting address, and handling time indicated in the target business handling request.

[0013] Optionally, after displaying the target institution's organizational information and the target business handling route on the user's end, the method further includes: when detecting that the target user is viewing the target business handling route, detecting the target user's location, obtaining the target location, and determining whether the target location is on the target business handling route; if the target location is not on the target business handling route, sending interactive information to the user's end, and generating route information from the target location to the starting address, or generating route information from the target location to the target institution, based on the target user's response to the interactive information; if the target location is on the target business handling route, obtaining the target user's heading angle at a preset frequency, and determining the target user's next moving position based on the heading angle; if the next moving position is not on the target business handling route, displaying a prompt message, wherein the prompt message is used to indicate the target user's moving route deviation.

[0014] To achieve the above objectives, according to another aspect of this application, a route guidance device for assisting in handling financial transactions is provided. The device includes: an identification unit, configured to receive a target transaction request sent by a target user through a user terminal, and identify the target financial transaction, starting address, and transaction time indicated in the request; a first determination unit, configured to obtain login information entered by the target user when logging into the user terminal, and determine M initial institution indices based on the login information and the target financial transaction, thereby obtaining M initial institution indices, where M is a positive integer; a second determination unit, configured to determine the transaction route for each initial institution based on the transaction time, starting address, and the institution address of each initial institution, thereby obtaining M transaction routes, where each transaction route refers to the route from the starting address to the initial institution; and a selection unit, configured to select a target institution from the M initial institutions based on the M transaction routes and the M initial institution indices, and display the target institution's information and the target transaction route on the user terminal.

[0015] To achieve the above objectives, according to another aspect of this application, an electronic device is provided, comprising a memory storing an executable program; and a processor for running the program, wherein the program executes the aforementioned route guidance method for assisting in handling financial transactions.

[0016] To achieve the above objectives, according to another aspect of this application, a computer program product is provided, including computer instructions that, when executed by a processor, implement the steps of the above-described method for assisting in handling financial transactions.

[0017] In this embodiment, the process involves receiving a target business processing request sent by a target user through a client, identifying the target financial business, starting address, and processing time indicated in the request; obtaining login information entered by the target user when logging into the client, determining the institution indices of M initial institutions based on the login information and the target financial business, resulting in M ​​initial institution indices, where M is a positive integer; determining the business processing route for each initial institution based on the processing time, starting address, and institution address, resulting in M ​​business processing routes, where each business processing route refers to the route from the starting address to the initial institution; selecting a target institution from the M initial institutions based on the M business processing routes and the M initial institution indices, and combining the target institution's institution information with... The method of displaying the target business processing route on the user's end assists the user in selecting a financial institution based on the target financial business, determining the optimal target institution for processing the business, and generating a route to the target institution. This achieves the goal of assisting the user in going to the target institution to process the business, eliminating the need for the user to determine whether the financial institution can process the target financial business or to look up the route themselves. This reduces the complexity of users going to offline institutions to process business, thereby improving the efficiency of users going to offline institutions to process business. It solves the technical problem of related technologies where users need to select a financial institution and look up the route themselves when processing business at offline institutions, resulting in high complexity and low efficiency. Attached Figure Description

[0018] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0019] Figure 1 A hardware block diagram of a computer terminal for implementing a route guidance method to assist in handling financial transactions is shown.

[0020] Figure 2 This is a flowchart of a route guidance method for assisting in handling financial transactions, provided in Embodiment 1 of this application;

[0021] Figure 3 This is a schematic diagram of a route guidance device for assisting in handling financial transactions provided in Embodiment 2 of this application;

[0022] Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0023] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0024] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0025] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0026] It should be noted that the route guidance methods, devices, and electronic devices for assisting in handling financial business as defined in this disclosure can be used in the field of artificial intelligence, or in any field other than artificial intelligence, such as the field of fintech. The application areas of the route guidance methods, devices, and electronic devices for assisting in handling financial business as defined in this disclosure are not limited.

[0027] It should be noted that all information, user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, and displayed data) used in this application are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with the relevant laws, regulations, and standards of the relevant regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse use. If the user chooses to refuse, the process will proceed to an expert decision-making process. For example, this system has interfaces with relevant users or organizations. Before obtaining relevant information, a request to obtain the information must be sent to the aforementioned user or organization through the interface, and the relevant information will be obtained after receiving consent from the aforementioned user or organization. Users can view the purpose of data use in real time through the authorization interface and have the right to withdraw authorization or delete data at any time. After authorization is withdrawn, the system will terminate the relevant data processing within 24 hours.

[0028] The embodiments or examples disclosed herein are not exhaustive, but merely illustrative of some embodiments or examples, and are not intended to limit the scope of protection of this disclosure. Unless otherwise specified, each step in a particular embodiment or example can be implemented as an independent embodiment, and the steps can be arbitrarily combined. For example, a solution after removing some steps in a particular embodiment or example can also be implemented as an independent embodiment, and the order of the steps in a particular embodiment or example can be arbitrarily interchanged. Furthermore, optional methods or examples in a particular embodiment or example can be arbitrarily combined; moreover, embodiments or examples can be arbitrarily combined. For example, some or all steps of different embodiments or examples can be arbitrarily combined, and a particular embodiment or example can be arbitrarily combined with optional methods or examples of other embodiments or examples.

[0029] Example 1

[0030] According to an embodiment of this application, an embodiment of a route guidance method for assisting in handling financial transactions is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0031] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal for implementing a route guidance method to assist in handling financial transactions is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, processing devices such as microprocessors or programmable logic devices), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface, a universal serial bus port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0032] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0033] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the route guidance method for assisting in handling financial business in this embodiment of the application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned route guidance method for assisting in handling financial business. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of the aforementioned networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0034] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0035] The display may be, for example, a touchscreen LCD display that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0036] Under the aforementioned operating environment, this application provides the following: Figure 2 The instructions show the route guidance method for assisting in handling financial transactions. Figure 2 This is a flowchart of a route guidance method for assisting in handling financial transactions provided in Embodiment 1 of this application, as shown below. Figure 2 As shown, the method includes:

[0037] Step S201: Receive the target business processing request sent by the target user through the user terminal, and identify the target financial business, starting address and processing time indicated in the target business processing request.

[0038] It should be noted that the executing entity in this embodiment can be a business assistance system, which can be configured on a server. This server can be connected to the business processing program, application, or platform installed on the user's terminal. The target business processing request is the offline business processing demand initiated by the user through the user terminal developed by the financial institution (such as an application on a mobile phone). The target financial business is the specific financial operation that the user wants to perform at a physical branch, such as deposit or withdrawal.

[0039] Specifically, when users use the client developed by financial institutions to assist with business processing, the client will display a request input interface upon opening. At this time, users can enter the target business processing request in the request input interface, which needs to include the target financial business, geographical location information (i.e., the starting address), and processing time. This allows the system to select the most suitable target institution for the user to process the offline business based on the target financial business, address information, and processing time.

[0040] It should be noted that the starting address can be the user's current location or any address selected by the user. Here, only the starting address entered by the user is used, and there is no need to confirm whether the entered starting address is consistent with the user's actual address.

[0041] Step S202: Obtain the login information entered by the target user when logging into the user terminal. Based on the login information and the target financial business, determine the institutional index of M initial institutions to obtain M initial institutional indices, where M is a positive integer.

[0042] It should be noted that the M initial mechanisms can be initial mechanisms located within a circular area centered on the starting address and with a preset number of kilometers as the radius.

[0043] It should be noted that before a user sends a request for processing a target service using the client, the user needs to log in to the client. After logging in, the user needs to enter relevant information and authorize the service assistance system to read and use the login information entered by the user before the service assistance system can perform the subsequent agency selection operation.

[0044] When a user allows the business assistance system to read their login information, the system can parse this information, retrieve the user's input and authorized data, and thus determine user preferences and historical behavior. It then identifies initial institutions within a certain range capable of providing the target financial service and calculates a comprehensive index—the institution index—for each initial institution in handling the target financial service, which serves as one of the selection criteria for the target institution. For example, if a user selects "loan services," the system will identify all branches providing loan services and determine the comprehensive index for each branch.

[0045] It should be noted that when calculating the institution index, it can be calculated based on multiple dimensions such as the distance between the user and the institution, the institution's business processing efficiency, customer satisfaction feedback, and the institution's business status. In this embodiment, the number and types of feature information used to calculate the institution index are not limited, and different feature information can be selected according to different target financial businesses.

[0046] Step S203: Determine the business processing route for each initial institution based on the processing time, starting address, and institution address of each initial institution, resulting in M ​​business processing routes. Here, the business processing route refers to the route from the starting address to the initial institution.

[0047] Specifically, for M initial institutions, a path planning algorithm can be used to determine the optimal route from the user's starting address to each initial institution. Determining the optimal route involves not only calculating the route distance but also predicting the estimated time for each route based on the traffic information interface, and adjusting the route according to the user's walking preferences (such as avoiding congestion, walking / driving preferences) to generate M service processing routes.

[0048] Step S204: Select the target institution from the M initial institutions based on the M business processing routes and the M initial institution indices, and display the institution information and target business processing route of the target institution on the user terminal.

[0049] Specifically, after determining the business processing routes and initial institution indices of each initial institution, the length and time of the M business processing routes and the institution indices of the M initial institutions can be comprehensively compared to select the institution that best meets the user's needs as the target institution. The institution information and target business processing route of the target institution are then displayed on the user's device, allowing the user to obtain the institution information and route through the user's device. This assists the user in going to the most suitable institution for the target financial business, reducing the complex operations required by the user and improving the convenience and efficiency of the user's offline business processing.

[0050] For example, suppose the system calculates based on business needs and distance, and finally determines a target institution from three initial institutions that is at a suitable distance, has a high degree of business matching, and has good user reviews. At this time, the system will generate a detailed route from the user's selected starting address to the target institution, calculate the estimated arrival time, and display it on the user's end, so that the user can go to the target institution to carry out business operations based on the generated auxiliary information.

[0051] The route guidance method for assisting in handling financial transactions provided in this application embodiment involves: receiving a target user's target business handling request sent through a user terminal; identifying the target financial business, starting address, and handling time indicated in the target business handling request; obtaining the login information entered by the target user when logging into the user terminal; determining the institution index of M initial institutions based on the login information and the target financial business, resulting in M ​​initial institution indices, where M is a positive integer; determining the business handling route for each initial institution based on the handling time, starting address, and institution address of each initial institution, resulting in M ​​business handling routes, where each business handling route refers to the route from the starting address to the initial institution; selecting a target institution from the M initial institutions based on the M business handling routes and the M initial institution indices, and then... The method of displaying the target institution's information and the route to the target business on the user's end assists the user in selecting a financial institution based on the target financial business, determining the optimal target institution for handling the financial business, and generating a route to the target institution. This achieves the goal of assisting the user in going to the target institution to handle the business, eliminating the need for the user to determine whether the financial institution can handle the target financial business or to look up the route themselves. This reduces the complexity of users going to offline institutions to handle business, thereby improving the efficiency of users going to offline institutions to handle business. It solves the technical problem of related technologies where users need to select financial institutions and look up routes themselves when handling business at offline institutions, resulting in high complexity and low efficiency.

[0052] To ensure the accuracy of the calculated institutional indices, optionally, in the route guidance method for assisting in handling financial business provided in this application embodiment, determining the institutional indices of M initial institutions based on login information and the target financial business, and obtaining the M initial institutional indices includes: obtaining an initial weight value matrix under the target financial business, wherein the initial weight value matrix includes H institutional features and the weight value of each institutional feature, where H is a positive integer; determining whether there is weight value adjustment information in the login information, and if there is weight value adjustment information in the login information, adjusting the initial weight value matrix according to the weight value adjustment information to obtain a target weight value matrix; obtaining the feature value set of each initial institution to obtain M feature value sets, wherein each feature value set includes H institutional features and the feature value of each institutional feature; and performing a weighted summation calculation on the feature value sets of each initial set through the target weight value matrix to obtain the initial institutional index of each initial institution.

[0053] It should be noted that the institutional index can be a score obtained after a comprehensive evaluation of the institution, and the institutional characteristics can be multi-dimensional indicators for evaluating the initial institution, such as distance, asset size, credit rating, etc. The characteristic value is the specific data of the multi-dimensional indicator characteristics.

[0054] Specifically, when determining the initial institutional index, it is first necessary to obtain the initial weight value matrix under the target financial business. The initial weight value matrix can include H institutional characteristics and the weight value of each institutional characteristic. The aforementioned H institutional characteristics are the institutional characteristics that need to be examined when analyzing whether the institution can handle the target financial business. For example, when judging whether an institution can handle business A, the characteristic values ​​of institutional characteristic A and institutional characteristic B need to be used for judgment. Therefore, when the target financial business is business A, the obtained initial weight value matrix can include institutional characteristic A, institutional characteristic B and their respective weight values.

[0055] For example, for business A, the initial weight matrix could be: [Distance coefficient: 0.3; Asset value: 0.3; Business experience: 0.2; User rating: 0.1; Organizational setup completeness: 0.1].

[0056] Optionally, after obtaining the initial weight value matrix, it is also necessary to determine whether the user has special business processing requirements, and to determine whether there is weight value adjustment information in the login information based on the business processing requirements.

[0057] For example, in the login information, the user indicates that they need to configure accessibility settings in the financial institution. In this case, it indicates that the user needs to increase the weight of the feature of completeness of institutional settings in the institutional features, so as to ensure the matching degree between the calculated institutional index and the target user, and ensure that the fit between the institution selected based on the institutional index and the target user is the highest.

[0058] Optionally, if the login information contains weight value adjustment information, the initial weight value matrix is ​​adjusted according to the weight value adjustment information to obtain the target weight value matrix. That is, if a user is detected to have specific preference adjustments, the system will modify the values ​​in the weight value matrix according to these preferences to form a new target weight value matrix. If the login information does not contain weight value adjustment information, the initial weight value matrix can be determined as the target weight value matrix.

[0059] For example, for users who prefer service quality and complete facilities, the new target weight matrix might be adjusted to: [Distance coefficient: 0.2; Asset value: 0.2; Business experience: 0.2; User rating: 0.2; Complete organizational structure: 0.2].

[0060] Optionally, once the target weight value matrix is ​​determined, the eigenvalues ​​of each mechanism feature in each initial mechanism can be determined, and the eigenvalues ​​and weight values ​​in the target weight value matrix can be used to perform a weighted summation to obtain the initial mechanism index of each initial mechanism.

[0061] This embodiment determines user preferences, modifies weight values ​​based on user preferences, and ensures the accuracy of calculating the institution index for each initial institution through weighted summation. This, in turn, ensures the accuracy of the institution selection result based on the institution index as the institution selection criterion.

[0062] To ensure the accuracy of selecting the optimal business processing route for each initial institution, optionally, in the route guidance method for assisting in handling financial business provided in this application embodiment, the business processing route for each initial institution is determined according to the processing time, starting address, and institution address of each initial institution, resulting in M ​​business processing routes. This includes: for any initial institution, determining the route from the starting address to the institution address based on a map, resulting in N initial routes, where N is a positive integer; obtaining traffic information for each initial route at the processing time, resulting in N traffic information items; determining the route index of each initial route based on the route distance and traffic information of the N initial routes, and determining the initial route with the largest route index as the business processing route of the initial institution.

[0063] It should be noted that traffic information refers to the details of traffic conditions that each initial route can obtain free of charge through various public channels at the user's expected processing time, including but not limited to the degree of congestion, construction status, number of traffic lights, etc.

[0064] Specifically, when determining the service route, multiple routes between the initial agency's address and the starting address can be identified on the map, and the length of each route can be determined to obtain the route distance. The traffic condition prediction results at the user's service time point can be obtained, such as the predicted traffic density, traffic light status, road construction status, etc., to assess the estimated travel time and possible traffic obstacles for each route, thereby predicting the travel time based on the road condition information.

[0065] Given route distance and traffic condition information, the route index can be calculated using the following formula: Route Index = Distance Coefficient × Route Distance + Traffic Condition Coefficient × Estimated Travel Time. The distance coefficient and traffic condition coefficient are preset and reflect the relative importance of distance and traffic conditions in route selection. After calculating the route index, the route index for each route can be obtained. The initial route with the highest route index is then determined as the initial service route for each initial organization, thus obtaining the optimal service route for each organization.

[0066] This embodiment achieves the goal of accurately obtaining the optimal business processing route for each initial agency by comprehensively analyzing route length and road condition information, thus ensuring the accuracy of the selection results of subsequent agency selection operations that use business processing routes as agency selection criteria.

[0067] Optionally, in the route guidance method for assisting in handling financial business provided in this application embodiment, selecting a target institution from M initial institutions based on M business handling routes and M initial institution indices includes: obtaining the route index of each business handling route, and determining a first weight value of the route index and a second weight value of the initial institution index; weighting and summing the route index and initial institution index of each initial institution according to the first weight value and the second weight value to obtain the target institution index of each initial institution; and selecting a target institution from the M initial institutions based on the target institution index of each initial institution.

[0068] Specifically, when selecting target institutions, it is necessary to consider information from two dimensions: business processing routes and initial institution indices. First, it is necessary to obtain the route indices of each business processing route calculated above, and determine the first weight value of the route index and the second weight value of the initial institution index. The first weight value is used to characterize the importance of the route when selecting institutions, and the second weight value is used to characterize the importance of the institution index when selecting institutions.

[0069] After determining the first and second weight values, the route index and the institution index need to be unified in magnitude and then weighted and summed to obtain the target institution index for each initial institution. Then, the optimal target institution can be selected from multiple initial institutions based on the target institution index, ensuring the accurate selection of the target institution.

[0070] This embodiment ensures the accuracy of selecting target institutions by using evaluation indicators from two dimensions: the route index and the institution index.

[0071] To accurately select the target institution, optionally, in the route guidance method for assisting in handling financial business provided in this application embodiment, selecting the target institution from M initial institutions based on the target institution index of each initial institution includes: sorting the target institution indices of each initial institution in numerical order to obtain an institution index sequence, wherein the institution index sequence includes M initial institutions and the target institution index of each initial institution; extracting the sequence segment of the institution index sequence whose index value is greater than a preset threshold to obtain a target sequence segment; sending the target sequence segment to the user terminal, and upon receiving a click instruction sent by the target user through the user terminal, determining the target institution from the target sequence segment according to the click instruction; or, determining the initial institution with the largest target institution index as the target institution.

[0072] Specifically, after obtaining the target institution indices for M initial institutions, these indices can be sorted in descending order to form an institution index sequence. For example, assuming M = 10, and the system calculates the target institution indices for the 10 initial institutions as [83, 78, 75, 72, 71, 69, 67, 64, 62, 58], the system will generate a sequence arranged from highest to lowest value: [83, 78, 75, 72, 71, 69, 67, 64, 62, 58]. The name of each institution and its corresponding target institution index will be listed in this sequence.

[0073] Furthermore, to avoid selecting too many institutions, a preset threshold, such as 65, can be set to filter out institutions with excessively low scores. In the above sequence, the system will extract all scores greater than 65 to generate the target sequence segment [83, 78, 75, 72, 71, 69, 67]. This sequence segment contains all qualified initial institutions that meet the minimum requirements of the user or system in terms of service efficiency and quality.

[0074] Furthermore, the system can display the target sequence segments in a list format on the user's device. Users can view detailed information about each institution and its target institution index from the list. When a user clicks on an institution, the user's device sends a click command to the system. After receiving the command, the system confirms the user's selection and designates the clicked institution as the final target institution. For example, if a user clicks on an institution with a target institution index of 83 in the list, the system will designate that institution as the target institution.

[0075] It should be noted that if the user does not make a selection within the time limit, or if the system defaults to the optimal recommendation mechanism, the system can automatically select the initial institution with the highest target institution index as the target institution. For example, if the user does not click on the target sequence segment after it is displayed, the system will default to selecting the institution with a target institution index of 83 as the target institution.

[0076] This embodiment ensures that the target institution with the highest matching degree can be accurately determined under different scenarios and requirements by feeding back the filtered list of institutions to the user and allowing the user to select the target institution or by automatically determining the target institution.

[0077] To improve the efficiency of selecting target institutions, optionally, in the route guidance method for assisting in handling financial business provided in the embodiments of this application, after receiving the target business handling request sent by the target user through the user terminal, the method further includes: obtaining a list of historical institutions visited by the target user within a historical time period; determining whether the list of institutions contains only one historical institution; if the list of institutions contains only one historical institution, identifying that historical institution as the target institution; if the list of institutions contains multiple historical institutions, performing the step of identifying the target financial business, starting address, and handling time indicated in the target business handling request.

[0078] Specifically, to improve the efficiency of selecting target institutions, after receiving a request to process a target business, the system can first query the user behavior records stored in the database to identify all institution branches visited by the user within a set historical time period (such as the past three months). For example, if the system detects that a user visited institution A and institution B within the past three months, then institution A and institution B will be added to the list of historical institutions.

[0079] Furthermore, the system analyzes the generated list of institutions to check whether the user has only visited a single institution within a past time period. For example, if the user has only visited institution A within a historical time period, the system will determine that the institution list contains only one historical institution. If the system determines that the user has only visited one specific institution within a historical time period, then that institution will be automatically set as the target institution—the institution where the user is most likely to conduct business in the current situation. For example, assuming the user has only visited institution C in the past three months, then institution C will be identified as the target institution.

[0080] If the list of institutions contains multiple historical institutions, it indicates that the user did not find a specific institution when selecting an institution. In this case, the selection process for the target institution can continue, thus ensuring the accuracy of the selected target institution.

[0081] This embodiment determines whether a user has a fixed business processing agency by identifying the distribution of agencies in the historical agency list, thereby shortening the selection process of the target agency while ensuring the accuracy of the target process selection.

[0082] Optionally, in the route guidance method for assisting in handling financial business provided in this application embodiment, after displaying the institution information of the target institution and the target business handling route on the user terminal, the method further includes: when it is detected that the target user is viewing the target business handling route, detecting the location of the target user, obtaining the target location, and determining whether the target location is located on the target business handling route; if the target location is not located on the target business handling route, sending interactive information to the user terminal, and generating route information from the target location to the starting address, or generating route information from the target location to the target institution, based on the target user's response to the interactive information; if the target location is located on the target business handling route, obtaining the heading angle of the target user's movement at a preset frequency, and determining the target user's next moving position based on the heading angle; if the next moving position is not located on the target business handling route, displaying a prompt message, wherein the prompt message is used to indicate the target user's movement route deviation.

[0083] Specifically, to ensure users can reach their target location smoothly, the system can activate location tracking when it detects that a user is viewing or preparing to follow the recommended route for handling business. This involves using positioning technology to obtain the user's real-time location coordinates and comparing the obtained target location with the coordinate set of the target route. Based on the comparison result, it can be determined whether the user is on the target route. The comparison result can be determined by calculating the distance between the target location and the route coordinate set. If the distance between the target location and the nearest route coordinate point exceeds a preset threshold (e.g., 10 meters), it is determined that the user has deviated from the recommended route.

[0084] If the system determines that the user's location is not on the recommended route, it will push an interactive message to the user's device, asking if the user wants to replan the route. Based on the user's choice, the system can either recalculate the route back to the starting address from the current location, or replan a new route directly to the target institution.

[0085] Furthermore, when a user is within the recommended route range, the system will periodically (e.g., every 30 seconds) obtain the user's heading angle to predict their next moving position. This prediction is based on the user's current speed and direction and is calculated using a mathematical model (e.g., Kalman filtering). When the system's predicted next moving position deviates significantly from the target business processing route, the system will trigger a warning mechanism, displaying a prompt message on the user's end indicating the deviation and providing correction suggestions, such as "turn left and continue along this road," thereby ensuring that the user can move to the target institution along the correct route and ensuring the normal processing of the target financial business.

[0086] This embodiment continuously monitors the user's location and direction of movement. Once a deviation from the route is detected, it can promptly provide suggestions for route correction or direct heading correction guidance to ensure that the user can reach their destination efficiently and smoothly and complete the scheduled business operations.

[0087] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0088] Example 2

[0089] This application also provides a route guidance device for assisting in handling financial transactions. It should be noted that the route guidance device for assisting in handling financial transactions in this application can be used to execute the route guidance method for assisting in handling financial transactions provided in the above embodiments. The following describes the route guidance device for assisting in handling financial transactions provided in this application.

[0090] According to an embodiment of this application, an apparatus for implementing the above-described route guidance method for assisting in handling financial transactions is also provided. Figure 3 This is a schematic diagram of a route guidance device for assisting in handling financial transactions, provided in Embodiment 2 of this application. Figure 3 As shown, the device includes:

[0091] The identification unit 31 is used to receive the target business processing request sent by the target user through the user terminal, and to identify the target financial business, starting address and processing time indicated in the target business processing request.

[0092] The first determining unit 32 is used to obtain the login information entered by the target user when logging into the user terminal, and to determine the institutional index of M initial institutions based on the login information and the target financial business, thereby obtaining M initial institutional indices, where M is a positive integer.

[0093] The second determining unit 33 is used to determine the business processing route of each initial institution according to the processing time, starting address and institution address of each initial institution, to obtain M business processing routes, where the business processing route refers to the route from the starting address to the initial institution.

[0094] The selection unit 34 is used to select a target institution from M initial institutions based on M business processing routes and M initial institution indices, and to display the institution information and target business processing route of the target institution on the user terminal.

[0095] The route guidance device for assisting in handling financial business provided in this application embodiment receives a target business handling request sent by a target user through a user terminal through an identification unit 31, and identifies the target financial business, starting address, and handling time indicated in the target business handling request; a first determining unit 32 obtains the login information entered by the target user when logging into the user terminal, and determines the institution index of M initial institutions based on the login information and the target financial business, thereby obtaining M initial institution indices, where M is a positive integer; a second determining unit 33 determines the business handling route of each initial institution based on the handling time, starting address, and institution address of each initial institution, thereby obtaining M business handling routes, where the business handling route refers to the route from the starting address to the initial institution; a selection unit 34 selects the target institution from the M initial institutions based on the M business handling routes and the M initial institution indices, and displays the institution information of the target institution and the target business handling route on the user terminal. By assisting users in selecting financial institutions based on their target financial business, determining the optimal target institution for handling the business, and generating a route to the target institution, the system aims to help users go to the target institution to conduct their business. This eliminates the need for users to determine whether a financial institution can handle their target financial business or to search for routes themselves, thereby reducing the complexity of users going to offline institutions to conduct business. This improves the efficiency of users going to offline institutions to conduct business and solves the problem of high complexity and low efficiency in related technologies where users need to select financial institutions and search for routes themselves when conducting business at offline institutions.

[0096] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, the first determining unit 32 includes: a first acquisition module, used to acquire an initial weight value matrix under the target financial business, wherein the initial weight value matrix includes H institutional features and the weight value of each institutional feature, where H is a positive integer; a judgment module, used to judge whether there is weight value adjustment information in the login information, and if there is weight value adjustment information in the login information, adjust the initial weight value matrix according to the weight value adjustment information to obtain a target weight value matrix; a second acquisition module, used to acquire the feature value set of each initial institution to obtain M feature value sets, wherein each feature value set includes H institutional features and the feature value of each institutional feature; and a first calculation module, used to perform weighted summation calculation on the feature value sets of each initial set through the target weight value matrix to obtain the initial institution index of each initial institution.

[0097] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, the second determining unit 33 includes: a first determining module, used to determine the route from the starting address to the address of any initial institution according to the map, to obtain N initial routes, where N is a positive integer; a third obtaining module, used to obtain the traffic information of each initial route at the handling time, to obtain N traffic information; and a second determining module, used to determine the route index of each initial route according to the route distance and traffic information of the N initial routes, and determine the initial route with the largest route index as the business handling route of the initial institution.

[0098] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, the selection unit 34 includes: a fourth acquisition module, used to acquire the route index of each business handling route, and determine a first weight value of the route index and a second weight value of the initial institution index; a second calculation module, used to perform a weighted summation of the route index and the initial institution index of each initial institution according to the first weight value and the second weight value, to obtain the target institution index of each initial institution; and a selection module, used to select a target institution from M initial institutions according to the target institution index of each initial institution.

[0099] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, the selection module includes: a sorting submodule, used to sort the target institution indices of each initial institution in numerical order to obtain an institution index sequence, wherein the institution index sequence includes M initial institutions and the target institution index of each initial institution; a truncation submodule, used to truncate the sequence segment in the institution index sequence whose index value is greater than a preset threshold to obtain a target sequence segment; a sending submodule, used to send the target sequence segment to the user terminal, and upon receiving a click instruction sent by the target user through the user terminal, determine the target institution from the target sequence segment according to the click instruction; or, a determination submodule, used to determine the initial institution with the largest target institution index as the target institution.

[0100] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, after receiving the target business handling request sent by the target user through the user terminal, the device further includes: a first acquisition unit, used to acquire a list of historical institutions visited by the target user within a historical time period; a first judgment unit, used to determine whether the list of institutions contains only one historical institution; a third determination unit, used to determine the historical institution as the target institution if the list of institutions contains only one historical institution; and an execution unit, used to execute the steps of identifying the target financial business, starting address, and handling time indicated in the target business handling request if the list of institutions contains multiple historical institutions.

[0101] Optionally, in the route guidance device for assisting in handling financial business provided in this application embodiment, after displaying the institution information of the target institution and the target business handling route on the user terminal, the device further includes: a second judgment unit, used to detect the location of the target user when the target user is detected viewing the target business handling route, obtain the target location, and determine whether the target location is located on the target business handling route; a generation unit, used to send interactive information to the user terminal when the target location is not located on the target business handling route, and generate route information from the target location to the starting address, or generate route information from the target location to the target institution, based on the target user's response to the interactive information; a second acquisition unit, used to acquire the heading angle of the target user's movement at a preset frequency when the target location is located on the target business handling route, and determine the target user's next moving position based on the heading angle; and a display unit, used to display prompt information when the next moving position is not located on the target business handling route, wherein the prompt information is used to indicate the target user's movement route deviation.

[0102] It should be noted that the identification unit 31, the first determining unit 32, the second determining unit 33, and the selection unit 34 mentioned above correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by each of the above units and the corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware components or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules can also be part of a device and can run in the computer terminal 10 provided in Embodiment 1.

[0103] Example 3

[0104] Embodiments of this application may provide an electronic device. Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 (Only one is shown) processor 1002, memory 1004, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0105] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0106] The processor can access information and applications stored in memory via a transmission device to perform the following steps: receiving a target business processing request sent by a target user through a client, and identifying the target financial business, starting address, and processing time indicated in the request; obtaining login information entered by the target user when logging into the client, determining the institution indices of M initial institutions based on the login information and the target financial business, resulting in M ​​initial institution indices, where M is a positive integer; determining the business processing route for each initial institution based on the processing time, starting address, and the institution address of each initial institution, resulting in M ​​business processing routes, where each business processing route refers to the route from the starting address to the initial institution; selecting a target institution from the M initial institutions based on the M business processing routes and the M initial institution indices, and displaying the target institution's institution information and the target business processing route on the client.

[0107] The processor can also invoke information and applications stored in the memory via the transmission device to perform the following steps: obtaining an initial weight value matrix under the target financial business, wherein the initial weight value matrix includes H institutional features and the weight value of each institutional feature, where H is a positive integer; determining whether there is weight value adjustment information in the login information, and if there is weight value adjustment information in the login information, adjusting the initial weight value matrix according to the weight value adjustment information to obtain the target weight value matrix; obtaining the feature value set of each initial institution to obtain M feature value sets, wherein each feature value set includes H institutional features and the feature value of each institutional feature; and performing a weighted summation calculation on the feature value sets of each initial set through the target weight value matrix to obtain the initial institution index of each initial institution.

[0108] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: For any initial institution, determine the route from the starting address to the institution address according to the map, and obtain N initial routes, where N is a positive integer; obtain the traffic information of each initial route at the processing time, and obtain N traffic information; determine the route index of each initial route according to the route distance and traffic information of the N initial routes, and determine the initial route with the largest route index as the business processing route of the initial institution.

[0109] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the route index of each business processing route, and determine the first weight value of the route index and the second weight value of the initial institution index; perform a weighted summation of the route index and the initial institution index of each initial institution according to the first weight value and the second weight value to obtain the target institution index of each initial institution; select the target institution from the M initial institutions according to the target institution index of each initial institution.

[0110] The processor can also call the information and application program stored in the memory through the transmission device to perform the following steps: sort the target mechanism indices of each initial mechanism in order of numerical value to obtain a mechanism index sequence, wherein the mechanism index sequence includes M initial mechanisms and the target mechanism index of each initial mechanism; extract the sequence segment of the mechanism index sequence whose index value is greater than a preset threshold to obtain the target sequence segment; send the target sequence segment to the user terminal, and upon receiving a click instruction sent by the target user through the user terminal, determine the target mechanism from the target sequence segment according to the click instruction; or, determine the initial mechanism with the largest target mechanism index as the target mechanism.

[0111] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: obtain a list of historical institutions visited by the target user within a historical time period; determine whether the list contains only one historical institution; if the list contains only one historical institution, identify that historical institution as the target institution; if the list contains multiple historical institutions, perform the steps of identifying the target financial business, starting address, and processing time indicated in the target business processing request.

[0112] The processor can also invoke information and applications stored in the memory via the transmission device to execute the following steps: When it detects that a target user is viewing a target service route, it detects the target user's location, obtains the target location, and determines whether the target location is on the target service route; if the target location is not on the target service route, it sends interactive information to the user and generates route information from the target location to the starting address, or from the target location to the target organization, based on the target user's response to the interactive information; if the target location is on the target service route, it acquires the target user's heading angle at a preset frequency and determines the target user's next moving position based on the heading angle; if the next moving position is not on the target service route, it displays a prompt message, which indicates the target user's route deviation.

[0113] Those skilled in the art will understand that Figure 4 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 4 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 4 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 4 The different configurations shown.

[0114] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0115] Example 4

[0116] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the route guidance method for assisting in handling financial transactions provided in Embodiment 1.

[0117] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0118] Embodiments of this application also provide a computer program product, which, when executed on a data processing device, is adapted to perform the steps of a route guidance method for assisting in conducting financial transactions.

[0119] Embodiments of this application also provide a computer-readable storage medium, which includes a stored executable program, wherein, when the executable program is executed, it controls the device where the computer-readable storage medium is located to perform the above-described route guidance method for assisting in handling financial transactions.

[0120] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0121] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0122] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0123] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0124] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0125] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0126] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A route guidance method to assist in handling financial transactions, characterized in that, include: Receive a target service processing request sent by a target user through a user terminal, and identify the target financial service, starting address, and processing time indicated in the target service processing request; Obtain the login information entered by the target user when logging into the user terminal, and determine the institutional index of M initial institutions based on the login information and the target financial business to obtain M initial institutional indexes, where M is a positive integer; Based on the processing time, the starting address, and the addresses of each initial institution, the business processing routes for each initial institution are determined, resulting in M ​​business processing routes. Here, a business processing route refers to the route from the starting address to the initial institution. Based on the M business processing routes and the M initial institution indices, a target institution is selected from the M initial institutions, and the institution information and target business processing route of the target institution are displayed on the user terminal.

2. The method according to claim 1, characterized in that, Based on the login information and the target financial business, M initial institutional indices are determined, resulting in the following M initial institutional indices: Obtain the initial weight value matrix under the target financial business, wherein the initial weight value matrix includes H institutional features and the weight value of each institutional feature, where H is a positive integer; Determine whether there is weight value adjustment information in the login information, and if there is weight value adjustment information in the login information, adjust the initial weight value matrix according to the weight value adjustment information to obtain the target weight value matrix; Obtain the feature value set for each initial mechanism to obtain M feature value sets, wherein each feature value set includes the H mechanism features and the feature value of each mechanism feature; The initial mechanism index of each initial mechanism is obtained by weighted summation of the feature sets of each initial set using the target weight value matrix.

3. The method according to claim 1, characterized in that, Based on the processing time, the starting address, and the addresses of each initial agency, the business processing routes for each initial agency are determined, resulting in M ​​business processing routes, including: For any initial location, determine the route from the starting address to the location address based on the map, resulting in N initial routes, where N is a positive integer; Obtain traffic information for each initial route at the specified processing time, resulting in N traffic information entries; Based on the route distance and traffic information of the N initial routes, the route index of each initial route is determined, and the initial route with the largest route index is determined as the business processing route of the initial institution.

4. The method according to claim 1, characterized in that, The selection of target institutions from the M initial institutions based on the M business processing routes and the M initial institution indices includes: Obtain the route index for each business processing route, and determine the first weight value of the route index and the second weight value of the initial institution index; The route index and initial institution index of each initial institution are weighted and summed according to the first weight value and the second weight value to obtain the target institution index of each initial institution. The target institution is selected from the M initial institutions based on the target institution index of each initial institution.

5. The method according to claim 4, characterized in that, Selecting a target institution from the M initial institutions based on the target institution index of each initial institution includes: The target institution indices of each initial institution are sorted in numerical order to obtain an institution index sequence, wherein the institution index sequence includes the M initial institutions and the target institution index of each initial institution; Extract the sequence segment from the institutional index sequence whose index value is greater than a preset threshold to obtain the target sequence segment; The target sequence segment is sent to the user terminal, and upon receiving a click instruction from the target user via the user terminal, the target mechanism is determined from the target sequence segment based on the click instruction; or, The initial institution with the largest target institution index is determined as the target institution.

6. The method according to claim 1, characterized in that, After receiving the target user's request for handling the target service sent through the user terminal, the method further includes: Obtain a list of historical institutions visited by the target user within a historical time period; Determine whether the list of institutions contains only one historical institution; If the list of institutions contains only one historical institution, that historical institution shall be identified as the target institution. If the list of institutions includes multiple historical institutions, the step of identifying the target financial transaction, starting address, and processing time indicated in the target business processing request is performed.

7. The method according to claim 1, characterized in that, After displaying the target institution's organizational information and the target business processing route on the user's terminal, the method further includes: If the target user is detected to be viewing the route for handling the target service, the location of the target user is detected, the target location is obtained, and it is determined whether the target location is located on the route for handling the target service. If the target location is not located on the route for handling the target business, an interactive message is sent to the user terminal, and based on the target user's response to the interactive message, route information from the target location to the starting address is generated, or route information from the target location to the target institution is generated. When the target location is located on the target service route, the heading angle of the target user's movement is obtained at a preset frequency, and the next movement position of the target user is determined based on the heading angle; If the next moving location is not located on the target service route, a prompt message is displayed, wherein the prompt message is used to indicate the deviation of the target user's moving route.

8. A route guidance device for assisting in handling financial transactions, characterized in that, include: The identification unit is used to receive a target service processing request sent by a target user through a user terminal, and to identify the target financial service, starting address and processing time indicated in the target service processing request; The first determining unit is used to obtain the login information entered by the target user when logging into the user terminal, and determine the institution index of M initial institutions based on the login information and the target financial business to obtain M initial institution indexes, where M is a positive integer; The second determining unit is used to determine the business processing route of each initial institution according to the processing time, the starting address and the institution address of each initial institution, to obtain M business processing routes, wherein the business processing route refers to the route from the starting address to the initial institution; The selection unit is used to select a target institution from the M initial institutions based on the M business processing routes and the M initial institution indices, and to display the institution information and target business processing route of the target institution on the user terminal.

9. A computer program product comprising computer instructions, characterized in that, When the computer instructions are executed by the processor, they implement the steps of the route guidance method for assisting in handling financial business as described in any one of claims 1 to 7.

10. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program, when running, executes the route guidance method for assisting in handling financial transactions as described in any one of claims 1 to 7.

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