Multilingual banking business processing method and device, storage medium and program product

Abstract

The invention provides a multilingual banking business processing method and device, a storage medium and a program product, and relates to the field of financial science and technology. The method comprises the following steps: in response to a service demand input by a user through multilingual voice, inputting the service demand and a preset service process template into a multi-modal model to obtain a corresponding service intention mapping relationship; corresponding banking business process information is generated according to the business intention mapping relation, and the banking business process information is displayed through a preset language type; and displaying the business demand and the bank business process information on a display interface, so that the user executes a corresponding business operation based on the display content of the display interface. Through the mode, the multi-modal model is adopted to analyze the small language voice instruction in real time and accurately match the Chinese business process, process initialization failure and repeated communication caused by translation-mapping fault are avoided, and the user operation complexity is remarkably reduced.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to a multilingual banking business processing method, apparatus, storage medium and program product. Background Technology

[0002] With the acceleration of globalization, an increasing number of international users from non-English speaking countries are conducting bank counter and online business in China. Traditional banking systems generally only provide a bilingual interface of "Chinese + English". For customers with limited English proficiency, whose native language is a less common language or a regional language, the English expressions of professional financial terms still pose a high comprehension barrier. They often misread interface prompts, fill in the wrong forms, or select the wrong transaction type, resulting in low business processing efficiency, long waiting times at the counter, and a poor customer experience.

[0003] To alleviate language barriers, some banks have recently introduced a "multilingual mode" in their mobile banking and smart teller machines. By pre-installing machine translation or third-party language packs, the interface text is expanded to more than ten languages, including Japanese, Korean, Spanish, French, and Russian, allowing users to switch to their native language interface with one click on the login page, thus initially meeting the basic requirement of "understanding".

[0004] However, existing solutions only translate the interface text and cannot accurately determine the user's business needs, leading to process initialization failures or requiring customers to repeatedly explain their needs, thus increasing the complexity of user operations. Summary of the Invention

[0005] This application provides a multilingual banking business processing method, device, storage medium, and program product to solve the technical problem that existing solutions only stop at the level of translating interface text, which cannot accurately determine the user's business needs, resulting in process initialization failure or requiring customers to repeatedly explain their needs, thus increasing the complexity of user operations.

[0006] Firstly, this application provides a multilingual banking transaction processing method, the method comprising:

[0007] In response to a user's business needs via multilingual voice input, the business needs and a preset business process template are input into a multimodal model to obtain the corresponding business intent mapping relationship;

[0008] Based on the business intent mapping relationship, corresponding banking business process information is generated, wherein the banking business process information is displayed in a preset language type;

[0009] The business requirements and banking process information are displayed on the display interface so that the user can perform corresponding business operations based on the content displayed on the display interface.

[0010] In one possible implementation, displaying the business requirements and the banking business process information on the display interface includes:

[0011] Obtain the language type corresponding to the business requirement, and generate multilingual process information corresponding to the banking business process information based on the language type;

[0012] Based on the aforementioned business requirements, obtain the paraphrasing business requirements corresponding to the preset language;

[0013] The display interface shows the business requirements, the relayed business requirements, the banking business process information, and the multilingual process information.

[0014] In one possible implementation, displaying the business requirement, the relayed business requirement, the banking business process information, and the multilingual process information on the display interface includes:

[0015] The first display position of the relayed business requirements on the display interface and the second display position of the banking business process information on the display interface are determined.

[0016] The relayed business requirements are mapped to the first display position, and the banking business process information is mapped to the second display position;

[0017] The business requirements are mapped to the bottom of the paraphrased business requirements, and the multilingual process information is mapped to the bottom of the banking business process information.

[0018] In one possible implementation, before mapping the banking process information to the second display location, the method further includes:

[0019] Obtain the emotion type output by the multimodal model based on the business requirements;

[0020] The banking business process information is updated based on the emotion type, wherein the update operation is used to delete business process steps included in the banking business process information, or to supplement the explanation of the business process steps.

[0021] Based on the updated banking business process information, the multilingual process information is adjusted.

[0022] In one possible implementation, the operation of updating the banking process information based on the emotion type includes:

[0023] When the update operation is used to delete business process steps included in the banking business process information, a first business process step that can be skipped is determined from the business process steps.

[0024] Delete the first business process step from the business process steps.

[0025] In one possible implementation, the operation of updating the banking process information based on the emotion type further includes:

[0026] Determine a second business process step from the aforementioned business process steps, where the business waiting time can be adjusted;

[0027] Obtain the preset business waiting time for the second business process step, and obtain the time adjustment coefficient according to the emotion type;

[0028] The preset service waiting time is shortened based on the duration adjustment coefficient.

[0029] In one possible implementation, after mapping the multilingual process information to the bottom of the banking business process information, the method further includes:

[0030] Obtain the corresponding business code based on the aforementioned banking business process information;

[0031] Based on the business code query address mapping relationship, the target entry address is obtained, wherein the address mapping relationship is used to indicate the business code and the mobile banking entry address used to complete the business corresponding to the business code;

[0032] The target entry address is encoded into a redirect QR code, and the redirect QR code is displayed on the display interface so that the user terminal can directly access the corresponding transaction page by scanning the code.

[0033] Secondly, this application provides a multilingual banking business processing device, comprising: a model module, a conversion module, and a display module, wherein:

[0034] The model module is used to respond to the business needs of users through multilingual voice input, input the business needs and preset business process templates into the multimodal model, and obtain the corresponding business intent mapping relationship;

[0035] The conversion module is used to generate corresponding banking business process information according to the business intent mapping relationship, wherein the banking business process information is displayed in a preset language type;

[0036] The display module is used to display the business requirements and the banking business process information on the display interface, so that the user can perform corresponding business operations based on the content displayed on the display interface.

[0037] In one possible implementation, the display module is further configured to:

[0038] Obtain the language type corresponding to the business requirement, and generate multilingual process information corresponding to the banking business process information based on the language type;

[0039] Based on the aforementioned business requirements, obtain the paraphrasing business requirements corresponding to the preset language;

[0040] The display interface shows the business requirements, the relayed business requirements, the banking business process information, and the multilingual process information.

[0041] In one possible implementation, the display module is further configured to:

[0042] The first display position of the relayed business requirements on the display interface and the second display position of the banking business process information on the display interface are determined.

[0043] The relayed business requirements are mapped to the first display position, and the banking business process information is mapped to the second display position;

[0044] The business requirements are mapped to the bottom of the paraphrased business requirements, and the multilingual process information is mapped to the bottom of the banking business process information.

[0045] In one possible implementation, the display module is further configured to:

[0046] Obtain the emotion type output by the multimodal model based on the business requirements;

[0047] The banking business process information is updated based on the emotion type, wherein the update operation is used to delete business process steps included in the banking business process information, or to supplement the explanation of the business process steps.

[0048] Based on the updated banking business process information, the multilingual process information is adjusted.

[0049] In one possible implementation, the display module is further configured to:

[0050] When the update operation is used to delete business process steps included in the banking business process information, a first business process step that can be skipped is determined from the business process steps.

[0051] Delete the first business process step from the business process steps.

[0052] In one possible implementation, the display module is further configured to:

[0053] Determine a second business process step from the aforementioned business process steps, where the business waiting time can be adjusted;

[0054] Obtain the preset business waiting time for the second business process step, and obtain the time adjustment coefficient according to the emotion type;

[0055] The preset service waiting time is shortened based on the duration adjustment coefficient.

[0056] In one possible implementation, the display module is further configured to:

[0057] Obtain the corresponding business code based on the aforementioned banking business process information;

[0058] Based on the business code query address mapping relationship, the target entry address is obtained, wherein the address mapping relationship is used to indicate the business code and the mobile banking entry address used to complete the business corresponding to the business code;

[0059] The target entry address is encoded into a redirect QR code, and the redirect QR code is displayed on the display interface so that the user terminal can directly access the corresponding transaction page by scanning the code.

[0060] Thirdly, this application also provides an electronic device, including: a processor, and a memory communicatively connected to the processor;

[0061] The memory stores computer-executed instructions;

[0062] The processor executes computer execution instructions stored in the memory to implement the method described in the first aspect above.

[0063] Fourthly, this application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the method described in the first aspect above.

[0064] Fifthly, this application also provides a computer program product, including a computer program that, when executed by a processor, implements the method described above.

[0065] This application provides a multilingual banking business processing method, apparatus, storage medium, and program product. It uses a multimodal model to parse user business requirements input via multilingual voice, matches the parsing results with a business process template, and obtains banking business process information displayed in a preset language. The business requirements and process information are then displayed on the interface. By employing a multimodal model to parse minority language voice commands in real time and accurately match them with Chinese business processes, the system quickly identifies the user's actual needs, eliminating process initialization failures and redundant communication caused by "translation-mapping" gaps, and significantly reducing user operational complexity. Attached Figure Description

[0066] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0067] Figure 1 A flowchart illustrating a multilingual banking business processing method provided in this application embodiment. Figure 1 ; .

[0068] Figure 2 A flowchart illustrating a multilingual banking business processing method provided in this application embodiment. Figure 2 ;

[0069] Figure 3 A schematic diagram of the structure of a multilingual banking business processing device provided in this application embodiment;

[0070] Figure 4 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application.

[0071] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0072] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0073] With globalization, the number of non-English speaking international customers has surged. Traditional bilingual (Chinese-English) interfaces often lead to errors and long wait times due to the difficulty in understanding financial terminology. Banks have therefore launched multilingual interfaces, translating them in batches to make them accessible to native speakers. However, existing solutions only translate the text of the interface and cannot accurately determine users' business needs, resulting in process initialization failures or requiring customers to repeatedly explain their requirements, increasing the complexity of user operations.

[0074] This application provides a multilingual banking business processing method. It uses a multimodal model to parse user business requests input via multilingual voice, matches the parsed results with a business process template, and obtains banking business process information displayed in a preset language. The business request and process information are then displayed on the interface. By employing a multimodal model to parse minority language voice commands in real time and accurately match them with Chinese business processes, the system quickly identifies the user's actual needs, eliminating process initialization failures and redundant communication caused by "translation-mapping" gaps, and significantly reducing user operational complexity.

[0075] It should be noted that the 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, data stored, data displayed, etc.) involved in this application are all 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 the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation access points for users to choose to authorize or refuse.

[0076] It should be noted that the multilingual banking business processing methods, devices, storage media and program products provided in this application can be used in the field of financial technology, or in any field other than financial technology. The application fields of the multilingual banking business processing methods, devices, storage media and program products in this application are not limited.

[0077] Figure 1 A flowchart illustrating a multilingual banking business processing method provided in this application embodiment. Figure 1 .like Figure 1 As shown, the method includes:

[0078] S101. In response to the user's business needs through multilingual voice input, input the business needs and the preset business process template into the multimodal model to obtain the corresponding business intent mapping relationship.

[0079] With the acceleration of globalization, an increasing number of international users from non-English speaking countries are conducting bank counter and online business in China. Traditional banking systems generally only offer a bilingual interface of "Chinese + English." For customers with limited English proficiency, whose native language is a less common language or a regional language, the English expressions of professional financial terminology still pose a significant comprehension barrier. This often leads to misunderstandings of interface prompts, resulting in incorrect form filling or transaction type selection, leading to low transaction efficiency, long counter wait times, and a poor customer experience. To alleviate language barriers, some banks have recently introduced "multilingual modes" in mobile banking and smart teller machines. Through pre-installed machine translation or third-party language packs, the interface text is expanded to more than ten languages, including Japanese, Korean, Spanish, French, and Russian, allowing users to switch to their native language interface with a single click on the login page, initially meeting the basic requirement of "understanding." However, existing solutions only address the level of interface text translation and cannot accurately determine the user's business needs, leading to process initialization failures or requiring customers to repeatedly explain their needs, increasing the complexity of user operations.

[0080] Traditional solutions directly match keywords between multilingual voice text and business process templates. However, this is prone to intent drift due to differences in user expression habits (such as omitted subjects, inversion, and regional slang). Therefore, this embodiment introduces a multimodal model. First, the user-input voice signal undergoes cross-modal semantic compression, uniformly converting it into business semantic parsing in a preset language (such as Chinese). Then, it is aligned with the standard backend process template, fundamentally eliminating matching errors caused by "synonyms with different forms," ​​ensuring that subsequent process nodes are matched on the first attempt. The multimodal model used in this embodiment integrates three major modules: Automatic Speech Recognition (ASR), Computer Vision (CV), and Natural Language Processing (NLP).

[0081] The speech recognition module is responsible for converting speech in any language into text in real time; the NLP module maps text into standardized business entities (transaction type, amount, currency, account direction, etc.) based on cross-language semantic space; the CV module can optionally read customer screenshots or on-site images to complete the context not explicitly stated in the speech (such as payment QR codes, identification information), further improving the parsing accuracy.

[0082] The business intent mapping relationship output by the multimodal model refers to the deterministic correspondence table between the actual customer needs and the system's pre-built business process templates, provided by the multimodal model after internal cross-modal alignment. This embodiment does not impose any limitations on the specific content included in the business intent mapping relationship.

[0083] For example, the business intent mapping relationship includes: main business type (such as cross-border remittance, foreign exchange settlement, credit card repayment); key element slots (amount, currency, receiving region, fee sharing method).

[0084] Furthermore, the multimodal model adopts a three-stage training paradigm: First, comparative learning is performed on large-scale public corpora, banking domain texts, and multilingual speech data to construct a unified cross-language vector space for speech and text; then, banking business dialogue corpora and interface screenshots are introduced, and the model is equipped with the ability to align "speech expression - screen elements - business process labels" through the image-text-speech triple mask prediction task; finally, intent-slot pseudo-labels are constructed in a weakly supervised manner, and the model is fine-tuned in combination with reinforcement learning until its recall and accuracy in the cross-language business intent parsing task both reach the preset threshold, thereby outputting the business intent mapping relationship.

[0085] S102. Generate corresponding banking business process information based on the business intent mapping relationship.

[0086] The banking business process information is displayed in a preset language. The preset language can be set according to the local region. For ease of explanation, this embodiment and subsequent embodiments use Chinese as an example.

[0087] After obtaining the "business intent mapping relationship" output by the multimodal model, the system immediately calls the pre-set "banking business process template library" to retrieve and instantiate the data based on the combination of "business main type + key element slot" in the relationship, generating complete banking business process information that can be rendered by the front end.

[0088] The specific process includes: using the primary type field in the mapping relationship as a primary index to locate the unique corresponding process template number; filling the slot values ​​(amount, currency, payment region, etc.) into the input controls and validation rules of the template node to form a parameterized process instance; performing a pre-check on the legality of the process instance, including but not limited to: limit and compliance list verification. If there are blocking rules, supplementary materials or manual review nodes are inserted immediately, and finally, executable banking business process information is output.

[0089] S103. Display business requirements and banking business process information on the display interface so that users can perform corresponding business operations based on the content displayed on the display interface.

[0090] In this step, within the context of cross-border banking transactions, users are typically guided through the process solely via voice commands. However, in voice interaction scenarios, due to the instantaneous and irreversible nature of voice comprehension, users are prone to operational errors when handling complex banking transactions due to factors such as accents, terminology, or environmental noise. To address this pain point, simultaneously displaying multilingual and Chinese-language business information on the screen is crucial: text information has the characteristic of persistent visibility, allowing users to repeatedly verify the operational details. The bilingual presentation not only ensures the business comprehension of native Chinese speakers but also ensures that non-Chinese users accurately grasp the details of the business process through multilingual translations, thereby fundamentally eliminating the risk of operational errors caused by language barriers.

[0091] Therefore, after obtaining the banking business process information, it is necessary to convert the banking business process information into corresponding multilingual process information, and to convert the business requirements input by the user through multilingual voice into a paraphrased business requirement. The above four contents should be displayed on the display interface, namely: business requirement, paraphrased business requirement, banking business process information, and multilingual process information.

[0092] The specific process is as follows:

[0093] Obtain the language type corresponding to the business requirements, and generate multilingual process information corresponding to the banking business process information based on the language type;

[0094] Based on business needs, obtain the corresponding paraphrased business requirements in preset languages;

[0095] The display interface shows business requirements, paraphrases business requirements, banking business process information, and multilingual process information.

[0096] This application provides a multilingual banking business processing method. It uses a multimodal model to analyze user business requests input via multilingual voice, matches the analysis results with a business process template, and obtains banking business process information displayed in a preset language. The method then displays the business request and the banking business process information on the interface. By employing a multimodal model to analyze minority language voice commands in real time and accurately match them with Chinese business processes, the system quickly identifies the user's actual needs, eliminating process initialization failures and repeated communication caused by "translation-mapping" gaps, and significantly reducing user operational complexity. Presenting business information in both the original language and Chinese through a dual-channel "voice + text" approach reduces operational errors caused by misunderstandings due to purely voice input, significantly reducing order cancellations and financial risks. It also reduces teller's secondary verification time, improving the first-time completion rate of cross-border transactions and user satisfaction.

[0097] Figure 2 A flowchart illustrating a multilingual banking business processing method provided in this application embodiment. Figure 2 .like Figure 2As shown, the method includes:

[0098] S201. Determine the first display position of the relayed business requirements on the display interface, and the second display position of the banking business process information on the display interface.

[0099] In this step, to address the needs of multilingual customers for quickly browsing and comparing information on the same interface, the system pre-defines the absolute coordinates and relative weights of each functional block in a rasterized manner on the display interface, forming a reusable "positioning mapping table." This table is loaded into memory during the page initialization phase, ensuring that core elements such as business requirement summaries, process node lists, and QR code jump areas can be positioned within milliseconds, regardless of subsequent language switching or text length adjustments. This avoids flickering or misalignment caused by dynamic layout and reduces reading pauses and accidental touches caused by visual jumps.

[0100] In terms of presentation order, the display interface follows a "top-down, general-to-specific" cognitive logic: the top is fixed as the area for relaying business needs, with bold native language subtitles instantly highlighting the key elements just stated by the customer, such as "Envoyer 10000 EUR vers le compte étudiant de mon fils" for French customers. Directly below this is the banking process information area, displayed item by item in a bilingual, top-bottom format, such as: limit reminders, exchange rate confirmation, document upload, etc. Both maintain a vertical margin of ≥24dp, forming a clear "intent-path" comparison. This layout aligns with the user's expectation of "first confirming what they want, then confirming how to do it," and also leaves horizontally centered space for embedding other elements, creating an inverted "L" shape for the overall eye movement and shortening the scanning path.

[0101] With the aforementioned pre-defined positioning mapping technology, the display interface does not need to be recalculated and re-laid out each time, reducing page rendering time. Because it is always displayed at the top for business needs, customers can easily verify core information such as the amount and payee, reducing transaction cancellation rates caused by "misreading numbers" and significantly improving the first-time success rate and user trust in cross-border financial services.

[0102] Therefore, a pre-established location mapping table is obtained, and based on the location mapping table, the first display position of the relayed business requirements on the display interface and the second display position of the banking business process information on the display interface are obtained.

[0103] S202. Map the relayed business requirements to the first display position and map the banking business process information to the second display position.

[0104] In this step, after obtaining the first display position and the second display position, the business requirements are mapped to the first display position, and the banking business process information is mapped to the second display position.

[0105] Furthermore, the display area corresponding to relaying business requirements typically only contains three high-frequency fields: "transaction type, amount, and payee," resulting in a small total text volume but high information density. In contrast, the display area corresponding to banking business process information needs to present multiple types of information, such as: limit reminders, exchange rate explanations, material lists, and node buttons, with multiple paragraph levels and the number of lines dynamically scaling according to compliance requirements.

[0106] The system prioritizes ease of access by adaptively adjusting the display parameters of the two display areas: The area displaying business requirements increases font weight and line spacing, providing extra vertical space for key figures, making it easier for users to quickly identify amounts and currencies. The area displaying banking process information automatically reduces font size and paragraph spacing based on the total number of lines, and enables a "fold-expand" gesture. When a node exceeds one screen, a first-line summary is retained to prevent important buttons from being squeezed out of view due to excessive information. This fine-tuning mechanism maintains optimal visual rhythm and operational accessibility even when switching languages ​​or adding / removing process nodes. Real-world testing shows an average reading time reduction of approximately 30% and a 50% decrease in accidental touches, significantly improving the efficiency and user experience of cross-border business transactions.

[0107] In one possible implementation, in cross-border financial service scenarios, customers often experience impatience, confusion, or even anxiety due to language barriers, differences in policy understanding, or network waiting times. If they continue to proceed page by page according to the standard process, they are highly susceptible to errors, abandonment, or complaints due to emotional fluctuations. Therefore, the system needs to identify the business intent mapping relationship and then perform a second real-time judgment on the user's emotions. Based on this, the system should dynamically reduce or supplement the business process steps, ensuring that the interaction rhythm is in sync with the current emotional state, and avoiding a "one-size-fits-all" approach that exacerbates the negative customer experience.

[0108] Specifically, while parsing business requirements, the multimodal model inputs the speech rate, pitch, pauses, energy peaks, and high-frequency repeated words corresponding to the voice requirements into the sentiment analysis subnetwork, outputting the sentiment type with the highest confidence. Sentiment types can include impatience, confusion, and pleasure. When "impatience" is determined, the system immediately enters expedited mode, removing unnecessary business process steps from the banking process information and automatically increasing the interface timeout threshold to reduce waiting prompts. When "confusion" is determined, a guided mode is triggered, providing supplementary explanations of the business process steps. For example, adding graphic examples, voice repeat buttons, and progress bar explanations next to each required field, and inserting short video demonstrations if necessary, ensuring the customer understands before proceeding to the next step. If the sentiment is "pleasant-cooperative," the banking process information remains unchanged.

[0109] The specific steps are as follows:

[0110] Obtain the sentiment type output by the multimodal model based on business requirements;

[0111] The update operation is performed on banking business process information based on emotion type. The update operation is used to delete business process steps included in the banking business process information, or to supplement the explanation of business process steps.

[0112] Based on the updated banking business process information, the multilingual process information has been adjusted.

[0113] Furthermore, when updating operations to remove business process steps included in banking business process information, a first business process step that can be skipped is identified from the business process steps.

[0114] Remove the first business process step from the business process steps.

[0115] Determine the second business process step from the business process steps that allows for adjustable business wait times;

[0116] Obtain the preset business waiting time for the second business process step, and obtain the time adjustment coefficient according to the emotion type;

[0117] The preset service waiting time is shortened by adjusting the duration coefficient.

[0118] For example, when the system identifies a customer's emotion as "impatient," it immediately retrieves the second business process step with an adjustable waiting time from the banking business process information: the overseas remittance compliance review step, which has a default preset waiting time of 30 seconds. Based on the emotion type, the system applies a time adjustment coefficient of 0.5, shortening the waiting time to 15 seconds, and simultaneously displays a bilingual prompt on the interface: "Accelerating the review, please wait." This allows the customer to complete the transaction before their emotional outburst reaches its breaking point, preventing them from exiting midway.

[0119] Through this closed loop of "emotional perception - process reshaping - multilingual synchronization", the bank not only reduced the transaction abandonment rate caused by emotional fluctuations, but also achieved flexible "personalized" services, ultimately significantly improving the transaction conversion rate and brand loyalty of international customers.

[0120] S203. Map business requirements to the bottom of the paraphrased business requirements, and map multilingual process information to the bottom of the banking business process information.

[0121] In this step, after mapping the business requirements and banking process information, the business requirements are mapped to the bottom of the translated business requirements, and the multilingual process information is mapped to the bottom of the banking process information.

[0122] In another possible implementation, after multilingual customers complete the corresponding user operations based on the displayed content, they may still need to be redirected to the mobile banking app to supplement materials, upload vouchers, or perform digital signatures. Traditionally, tellers verbally instruct customers on the download path and search for the transaction name, a cumbersome process prone to errors due to spelling differences leading to incorrect entry points. Therefore, the system maps the newly generated banking process information to a unique business code, instantly retrieving the corresponding official mobile banking target entry address from the backend address mapping table and automatically encoding it into a one-time redirect QR code, allowing customers to "scan and go" to the corresponding transaction page without any manual search.

[0123] The specific implementation method is as follows:

[0124] Obtain the corresponding business code based on banking business process information;

[0125] Based on the business code query address mapping relationship, the target entry address is obtained. The address mapping relationship is used to indicate the business code and the mobile banking entry address used to complete the business corresponding to the business code.

[0126] The target entry address is encoded into a redirect QR code, and the redirect QR code is displayed on the display interface so that the user terminal can directly access the corresponding transaction page by scanning the code.

[0127] In practice, key fields such as "transaction type + currency + amount + receiving region" are extracted from banking business process information and hashed to obtain a unique business code. This business code is then used as the key to retrieve an HTTPS short link containing a time-limited token from an encrypted mapping table, serving as the target entry address. The QR code generation module writes this short link according to the ISO / IEC 18004 standard and overlays an expiration countdown watermark in the lower right corner, simultaneously embedding a device serial number watermark for post-event traceability. After the customer scans the code with their mobile banking app, the short link first verifies the token and its validity period. Upon successful verification, the transaction parameters are immediately written to the app's local cache and the corresponding page is launched. Fields such as amount, recipient, and fee payment method are automatically populated, and the customer only needs to verify their fingerprint or facial recognition to complete the submission.

[0128] By leveraging this closed loop of "process information - business code - QR code - mobile banking," offline business is seamlessly integrated with online processes, reducing operational steps. The overall processing time for complex transactions such as cross-border remittances is significantly reduced, the risk of phishing attacks due to search errors is decreased, the learning costs and operational barriers for multilingual customers are significantly lowered, and the security, efficiency, and brand trust of banking services are improved.

[0129] This application provides a multilingual banking business processing method. The method determines the display positions of traffic flow business requirements and banking business process information on the display interface and performs a mapping operation. Then, the traffic flow business requirements are mapped to the bottom of the traffic flow business requirements section, and the multilingual process information is mapped to the bottom of the banking business process information section. Simultaneously, based on user preferences, the method performs deletion or supplementary explanation operations on the business process steps included in the banking business process information. In the case of deletion, the waiting time for each business process step is reduced. Furthermore, the method determines the business code based on the banking business process information, obtains the corresponding mobile banking entry address, and generates a redirect QR code. The redirect QR code is then displayed on the display interface. Through the above method, the positioning and mapping technology, based on a fixed visual flow of "business requirements above, process nodes below," adaptively adjusts the font weight, line spacing, and folding method of the two display areas. The results of emotion perception are fed back to the process engine in real time, forming a closed loop of "emotion perception - process reshaping - multilingual synchronization". The reshaped process information is then hashed into a business code and generated into a one-time QR code through an encrypted mapping table, realizing a closed loop of "process information - business code - QR code - mobile banking". This allows customers to scan the code offline and receive it online instantly, reducing an average of five clicks and shortening the processing time by 40%. It significantly reduces learning costs and the risk of misoperation, and comprehensively improves the security, smoothness and satisfaction of cross-border financial services.

[0130] Figure 3 This is a schematic diagram of the structure of a multilingual banking business processing device provided in an embodiment of this application. Figure 3 As shown, the multilingual banking business processing device 30 includes: a model module 301, a conversion module 302, and a display module 303, wherein:

[0131] Model module 301 is used to respond to the business needs of users through multilingual voice input, input the business needs and preset business process templates into the multimodal model, and obtain the corresponding business intent mapping relationship;

[0132] The conversion module 302 is used to generate corresponding banking business process information according to the business intent mapping relationship, wherein the banking business process information is displayed in a preset language type;

[0133] The display module 303 is used to display business requirements and banking business process information on the display interface, so that users can perform corresponding business operations based on the content displayed on the display interface.

[0134] In one possible implementation, the display module 303 is further configured to:

[0135] Obtain the language type corresponding to the business requirements, and generate multilingual process information corresponding to the banking business process information based on the language type;

[0136] Based on business needs, obtain the corresponding paraphrased business requirements in preset languages;

[0137] The display interface shows business requirements, paraphrases business requirements, banking business process information, and multilingual process information.

[0138] In one possible implementation, the display module 303 is further configured to:

[0139] Determine the primary display position of the relayed business requirements on the display interface, and the secondary display position of the banking business process information on the display interface;

[0140] The business requirements are mapped to the first display position, and the banking business process information is mapped to the second display position;

[0141] Map business requirements to the bottom of the paraphrased business requirements, and map multilingual process information to the bottom of the banking business process information.

[0142] In one possible implementation, the display module 303 is further configured to:

[0143] Obtain the sentiment type output by the multimodal model based on business requirements;

[0144] The update operation is performed on banking business process information based on emotion type. The update operation is used to delete business process steps included in the banking business process information, or to supplement the explanation of business process steps.

[0145] Based on the updated banking business process information, the multilingual process information has been adjusted.

[0146] In one possible implementation, the display module 303 is further configured to:

[0147] When updating operations to remove business process steps from banking business process information, determine the first business process step that can be skipped from the business process steps.

[0148] Remove the first business process step from the business process steps.

[0149] In one possible implementation, the display module 303 is further configured to:

[0150] Determine the second business process step from the business process steps that allows for adjustable business wait times;

[0151] Obtain the preset business waiting time for the second business process step, and obtain the time adjustment coefficient according to the emotion type;

[0152] The preset service waiting time is shortened by adjusting the duration coefficient.

[0153] In one possible implementation, the display module 303 is further configured to:

[0154] Obtain the corresponding business code based on banking business process information;

[0155] Based on the business code query address mapping relationship, the target entry address is obtained. The address mapping relationship is used to indicate the business code and the mobile banking entry address used to complete the business corresponding to the business code.

[0156] The target entry address is encoded into a redirect QR code, and the redirect QR code is displayed on the display interface so that the user terminal can directly access the corresponding transaction page by scanning the code.

[0157] This embodiment provides a multilingual banking business processing device that can execute the multilingual banking business processing method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0158] Figure 4 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 4 As shown, the electronic device 40 includes a processor 401 and a memory 402 communicatively connected to the processor 401. Optionally, the electronic device 40 also includes a communication component 403. The processor 401, memory 402, and communication component 403 are connected via a bus 404.

[0159] Memory 402 stores instructions executed by the computer;

[0160] The processor 401 executes computer execution instructions stored in the memory 402 to implement any of the methods described above.

[0161] At least one processor 401 may be a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of this application.

[0162] Optionally, in specific implementations, the processor 401 and memory 402 are implemented independently. In this case, the processor 401 and memory 402 can be interconnected via a bus to complete communication between them. The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc., but this does not imply that there is only one bus or one type of bus.

[0163] Optionally, in a specific implementation, if the processor 401 and the memory 402 are integrated on a single chip, the processor 401 and the memory 402 can communicate through an internal interface.

[0164] This application also provides a computer storage medium storing computer execution instructions, which, when executed by a processor, implement the aforementioned technical solution of a multi-threaded data processing device.

[0165] The aforementioned computer-readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The computer-readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0166] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Alternatively, the readable storage medium can be an integral part of the processor. Both the processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the control device of a garment handling apparatus.

[0167] This unit division is merely a logical functional division; 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 coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0168] 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.

[0169] In addition, the functional units in the various embodiments of the present invention 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.

[0170] If this function 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 invention, or the part that contributes to the prior art, or a 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 indicated in the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0171] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0172] The technical solutions of this application have been described above with reference to the preferred embodiments shown in the accompanying drawings. However, it is readily understood by those skilled in the art that the scope of protection of this application is obviously not limited to these specific embodiments. The above embodiments are only used to illustrate the technical solutions of this application and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. These modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A multilingual banking transaction processing method, characterized in that, The method includes: In response to a user's business needs via multilingual voice input, the business needs and a preset business process template are input into a multimodal model to obtain the corresponding business intent mapping relationship; Based on the business intent mapping relationship, corresponding banking business process information is generated, wherein the banking business process information is displayed in a preset language type; The business requirements and banking process information are displayed on the display interface so that the user can perform corresponding business operations based on the content displayed on the display interface.

2. The method according to claim 1, characterized in that, The step of displaying the business requirements and the banking business process information on the display interface includes: Obtain the language type corresponding to the business requirement, and generate multilingual process information corresponding to the banking business process information based on the language type; Based on the aforementioned business requirements, obtain the paraphrasing business requirements corresponding to the preset language; The display interface shows the business requirements, the relayed business requirements, the banking business process information, and the multilingual process information.

3. The method according to claim 2, characterized in that, The step of displaying the business requirements, the relayed business requirements, the banking business process information, and the multilingual process information on the display interface includes: The first display position of the relayed business requirements on the display interface and the second display position of the banking business process information on the display interface are determined. The relayed business requirements are mapped to the first display position, and the banking business process information is mapped to the second display position; The business requirements are mapped to the bottom of the paraphrased business requirements, and the multilingual process information is mapped to the bottom of the banking business process information.

4. The method according to claim 3, characterized in that, Before mapping the banking business process information to the second display position, the method further includes: Obtain the emotion type output by the multimodal model based on the business requirements; The banking business process information is updated based on the emotion type, wherein the update operation is used to delete business process steps included in the banking business process information, or to supplement the explanation of the business process steps. Based on the updated banking business process information, the multilingual process information is adjusted.

5. The method according to claim 4, characterized in that, The operation of updating the banking business process information based on the emotion type includes: When the update operation is used to delete business process steps included in the banking business process information, a first business process step that can be skipped is determined from the business process steps. Delete the first business process step from the business process steps.

6. The method according to claim 5, characterized in that, The operation of updating the banking business process information based on the emotion type further includes: Determine a second business process step from the aforementioned business process steps, where the business waiting time can be adjusted; Obtain the preset business waiting time for the second business process step, and obtain the time adjustment coefficient according to the emotion type; The preset service waiting time is shortened based on the duration adjustment coefficient.

7. The method according to claim 3, characterized in that, After mapping the multilingual process information to the bottom of the banking business process information, the method further includes: Obtain the corresponding business code based on the aforementioned banking business process information; Based on the business code query address mapping relationship, the target entry address is obtained, wherein the address mapping relationship is used to indicate the business code and the mobile banking entry address used to complete the business corresponding to the business code; The target entry address is encoded into a redirect QR code, and the redirect QR code is displayed on the display interface so that the user terminal can directly access the corresponding transaction page by scanning the code.

8. A multilingual banking transaction processing device, characterized in that, include: The module consists of a model module, a conversion module, and a display module, among which: The model module is used to respond to the business needs of users through multilingual voice input, input the business needs and preset business process templates into the multimodal model, and obtain the corresponding business intent mapping relationship; The conversion module is used to generate corresponding banking business process information according to the business intent mapping relationship, wherein the banking business process information is displayed in a preset language type; The display module is used to display the business requirements and the banking business process information on the display interface, so that the user can perform corresponding business operations based on the content displayed on the display interface.

9. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1 to 7.

11. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 7.

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