Business handling method and device, computer program product and electronic equipment

Abstract

The invention discloses a business handling method and device, a computer program product and electronic equipment. The method comprises the following steps: receiving service handling reservation information of a target user, and identifying a service handling demand of the target user from the service handling reservation information; determining a target institution for the target user to handle the target business from the business handling demand, and obtaining a historical business handling information set from a database of the target institution; inputting the historical business handling information set into an equipment identification model to obtain an equipment identification result; and determining target equipment and target idle time from the equipment identification result, generating service handling auxiliary information according to user information of the target user under the condition that the target user is detected to log in the target equipment, and sending the service handling auxiliary information to the target equipment. Through the method and the device, the problem of relatively low efficiency of using business handling equipment to handle businesses by a user in related technologies is solved.

Description

Business processing methods, devices, computer program products, and electronic equipment Technical Field

[0001] This application relates to the field of the Internet of Things, and more specifically, to a business processing method, apparatus, computer program product, and electronic device. Background Technology

[0002] When users go to financial institutions to conduct business, the business processing equipment in the financial institutions can only process one user's business at a time. Therefore, users may experience long waiting times upon arrival at the financial institution. Furthermore, since the equipment displays preset content, different users have to go through the same process and equipment system to conduct business, which affects the efficiency of users using the business processing equipment.

[0003] There is currently no effective solution to the problem of low efficiency for users to conduct business using related technologies. Summary of the Invention

[0004] The main objective of this application is to provide a business processing method, apparatus, computer program product, and electronic device to solve the problem of low efficiency in the use of business processing equipment by users in related technologies.

[0005] To achieve the above objectives, according to one aspect of this application, a business processing method is provided. The method includes: receiving business processing appointment information from a target user, and identifying the target user's business processing needs from the appointment information; determining the target institution from the business processing needs to process the target business, and obtaining a set of historical business processing information from the target institution's database; inputting the set of historical business processing information into a device identification model to obtain a device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; determining the target device and the target idle time from the device identification result; and, upon detecting that the target user has logged into the target device, generating business processing auxiliary information based on the target user's user information, and sending the business processing auxiliary information to the target device.

[0006] Optionally, obtaining the historical business processing information set from the target institution's database includes: obtaining business processing information stored in each initial device in the target institution to obtain multiple sub-business processing information; sequentially obtaining the start and end times of each sub-business processing information to obtain the time data of each sub-business processing information; determining each sub-business processing information and its corresponding time data as a set of sub-historical business processing information, and combining the sub-historical business processing information in each initial device to obtain the historical business processing information set.

[0007] Optionally, determining the target device and target idle time from the device identification results includes: obtaining the time periods during which the target user conducted historical business at the target institution, resulting in multiple historical time periods; obtaining candidate idle times located within the multiple historical time periods, and candidate devices for the candidate idle times; sending the candidate devices and corresponding candidate idle times to the user terminal, and receiving feedback information from the user terminal, and obtaining the target device and target idle time from the feedback information.

[0008] Optionally, generating auxiliary information for business processing based on the target user's user information includes: analyzing the target user's user profile based on the target user's user information to obtain a target user profile; obtaining the preset business processing procedure with the highest matching degree to the target user profile under the target business; adjusting the preset business processing procedure based on the target user profile to obtain the target business processing procedure; and determining the target business processing procedure as auxiliary information for business processing.

[0009] Optionally, generating service processing assistance information based on the target user's user information includes: generating recommendation information based on the user information and the target user's historical services, and determining the recommendation information as service processing assistance information; sending the service processing assistance information to the target device includes: determining the display style of the target device's display page based on the target user's user information; determining the free area in the display style, and displaying the service processing assistance information in the free area of ​​the display page.

[0010] Optionally, the device recognition model is trained as follows: obtain a set of historical business processing information from multiple financial institutions, and determine the sample idle time of each sample device in each financial institution based on the set of historical business processing information; determine the set of historical business processing information of each financial institution and the sample idle time of the sample device as a set of sample data to obtain multiple sets of sample data; use the multiple sets of sample data to train the initial recognition model to obtain the device recognition model.

[0011] Optionally, when the method detects that a target user has logged into the target device, it further includes: receiving environmental information sent by the target device; and adjusting the settings of the target device's display interface based on the environmental information.

[0012] To achieve the above objectives, according to another aspect of this application, a business processing apparatus is provided. The apparatus includes: a first receiving unit, configured to receive business processing appointment information from a target user and identify the target user's business processing needs from the appointment information; a first determining unit, configured to determine the target institution for the target user's business processing from the business processing needs and obtain a set of historical business processing information from the target institution's database; an identification unit, configured to input the set of historical business processing information into a device identification model to obtain a device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; and a generating unit, configured to determine the target device and the target idle time from the device identification result, and, upon detecting that the target user has logged into the target device, generate business processing auxiliary information based on the target user's user information and send the business processing auxiliary information to the target device.

[0013] Optionally, in the business processing device provided in this application embodiment, the first receiving unit includes: a first acquisition module, used to acquire business processing information stored in each initial device in the target institution to obtain multiple sub-business processing information; a second acquisition module, used to sequentially acquire the start processing time and end processing time of each sub-business processing information to obtain time data of each sub-business processing information; and a first determination module, used to determine each sub-business processing information and its corresponding time data as a set of sub-historical business processing information, and to combine the sub-historical business processing information in each initial device to obtain a set of historical business processing information.

[0014] Optionally, in the business processing device provided in this application embodiment, the generation unit includes: a third acquisition module, used to acquire the processing time period of the target user's historical business in the target institution, and obtain multiple historical processing time periods; a fourth acquisition module, used to acquire candidate idle time located in the multiple historical processing time periods, and candidate devices for the candidate idle time; and a sending module, used to send the candidate devices and corresponding candidate idle time to the user terminal, and receive feedback information from the user terminal, and obtain the target device and target idle time from the feedback information.

[0015] Optionally, in the business processing device provided in this application embodiment, the generation unit includes: an analysis module, used to analyze the user profile of the target user based on the user information of the target user to obtain the target user profile; a fifth acquisition module, used to acquire the preset business processing flow with the highest matching degree with the target user profile under the target business; an adjustment module, used to adjust the preset business processing flow according to the target user profile to obtain the target business processing flow; and a second determination module, used to determine the target business processing flow as business processing auxiliary information.

[0016] Optionally, in the business processing device provided in this application embodiment, the generation unit includes: a generation module, used to generate recommendation information based on user information and the target user's historical business, and determine the recommendation information as business processing auxiliary information; a third determination module, used to determine the display style of the target device's display page based on the target user's user information; and a fourth determination module, used to determine the free area in the display style, and display the business processing auxiliary information in the free area of ​​the display page.

[0017] Optionally, in the business processing device provided in this application embodiment, the device identification model is trained by the following devices: a first acquisition unit, used to acquire a set of historical business processing information from multiple financial institutions, and determine the sample idle time of each sample device in each financial institution based on the set of historical business processing information; a second determination unit, used to determine the set of historical business processing information from each financial institution and the sample idle time of the sample device as a set of sample data, thereby obtaining multiple sets of sample data; and a training unit, used to train the initial identification model using the multiple sets of sample data to obtain the device identification model.

[0018] Optionally, in the business processing device provided in this application embodiment, when the target user is detected to have logged into the target device, the device further includes: a second receiving unit for receiving environmental information sent by the target device; and an adjustment unit for adjusting the setting information of the display interface of the target device according to the environmental information.

[0019] 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 above-described business processing method during runtime.

[0020] 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 business processing method.

[0021] In this embodiment, the method involves receiving business processing appointment information from a target user and identifying the target user's business processing needs from the appointment information; determining the target institution for the target user's business processing needs from the business processing needs and obtaining a set of historical business processing information from the target institution's database; inputting the set of historical business processing information into a device identification model to obtain device identification results, wherein the device identification results include multiple initial devices and the initial idle time of each initial device; determining the target device and target idle time from the device identification results; and generating business processing assistance information based on the target user's user information when the target user is detected logging into the target device, and sending the business processing assistance information to the target device. By determining the device's idle time based on the device's historical business processing information set and sending the device identification results to the user, the user is informed of the optimal time to go to the financial institution for business processing and the device to use. Simultaneously, when the user is detected using the device for business processing, business processing assistance information is generated and displayed to assist the user in the business processing operation, thereby achieving the purpose of assisting the user in the entire business processing process. This achieves the technical effect of improving the efficiency of users using business processing devices in financial institutions, and thus solves the technical problem of low efficiency of users using business processing devices in related technologies. Attached Figure Description

[0022] 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:

[0023] Figure 1 shows a hardware structure block diagram of a computer terminal for implementing a business processing method;

[0024] Figure 2 is a flowchart of the business processing method provided according to Embodiment 1 of this application;

[0025] Figure 3 is a schematic diagram of a business processing device provided according to Embodiment 2 of this application;

[0026] Figure 4 is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0027] 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.

[0028] 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.

[0029] 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.

[0030] It should be noted that the business processing methods, devices, computer program products, and electronic devices defined in this disclosure can be used in the Internet of Things (IoT) field, or in any field other than the IoT field. The application fields of the business processing methods, devices, computer program products, and electronic devices defined in this disclosure are not limited.

[0031] 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 the expert decision-making process. For example, this system has an interface with relevant users or organizations. Before obtaining relevant information, a request to obtain the information needs to be sent to the aforementioned user or organization through the interface. After receiving consent from the aforementioned user or organization, the relevant information is obtained. 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 the authorization is withdrawn, the system will terminate the relevant data processing within 24 hours.

[0032] 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.

[0033] Example 1

[0034] According to an embodiment of this application, an embodiment of a business processing method 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.

[0035] The method embodiment provided in Embodiment 1 of this application can be executed in a mobile terminal, computer terminal, or similar computing device. Figure 1 shows a hardware structure block diagram of a computer terminal for implementing a business processing method. As shown in Figure 1, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) (processor 102 may include, but is not limited to, a microprocessor or programmable logic device), 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 the structure shown in Figure 1 is merely illustrative and does not limit the structure of the above-described electronic device. For example, the computer terminal 10 may also include more or fewer components than shown in Figure 1, or have a different configuration than shown in Figure 1.

[0036] 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).

[0037] 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 business processing method in this embodiment. 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 business processing method. 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 such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0038] 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.

[0039] 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).

[0040] Under the above operating environment, this application provides a business processing method as shown in Figure 2. Figure 2 is a flowchart of the business processing method provided according to Embodiment 1 of this application. As shown in Figure 2, the method includes:

[0041] Step S201: Receive the business processing appointment information of the target user, and identify the business processing needs of the target user from the business processing appointment information.

[0042] It should be noted that the executing entity in this embodiment can be a business appointment system connected to multiple business processing devices, the target user refers to a customer who needs to conduct business at a financial institution, the business appointment information can include the type of business the customer is making an appointment for, the appointment time, and the appointment location, and the business processing needs refer to the relevant needs information of the business that the customer needs to handle.

[0043] Specifically, the appointment system receives service appointment information submitted by target users in real time. Appointment information can be submitted via forms or a graphical user interface, improving the accuracy and completeness of the information. The system utilizes natural language processing technology and semantic analysis algorithms to deeply analyze the appointment information, identifying and confirming the target user's service needs. To ensure accuracy, the system can also send confirmation messages to users via SMS or telephone to avoid delays in subsequent processes due to misunderstandings or data entry errors.

[0044] Step S202: Determine the target institution for the target user to handle the target business from the business handling needs, and obtain the set of historical business handling information from the database of the target institution.

[0045] It should be noted that the target institution refers to the financial institution that conducts business for the user. The historical business processing information set refers to the collection of relevant data such as the time, efficiency, and equipment usage of various business processing devices within the target institution during a certain period of time.

[0046] Specifically, after identifying the business processing needs, the system can determine the financial institution for the user to conduct the business based on the information in the business processing needs, or recommend financial institutions to the user based on the user's needs.

[0047] Furthermore, after identifying the target institution, the system retrieves a set of historical business processing information from the target institution's internal database, including but not limited to data such as the start time, end time, average waiting time, equipment usage frequency, and peak periods for each device in the target institution. This data can be obtained in real time through a secure API interface, improving the validity and security of the data.

[0048] Step S203: Input the historical business processing information set into the device identification model to obtain the device identification result. The device identification result includes multiple initial devices and the initial idle time of each initial device.

[0049] It should be noted that the device identification model can be a machine learning algorithm-based model used to predict the idle status of various business processing devices within the bank at different time periods.

[0050] Specifically, the device identification model receives a set of historical business processing information as input and, using a deep learning framework such as a convolutional neural network or a long short-term memory network, predicts the initial idle time of each device in the target organization before and after the target user's appointment time. By analyzing past data, the model learns device usage patterns during peak and off-peak periods, thereby predicting possible idle periods for devices in the future. To improve prediction accuracy, the model can also consider external factors, such as holidays and weather conditions, to comprehensively assess device usage.

[0051] Step S204: Determine the target device and target idle time from the device identification results, and if the target user is detected to have logged into the target device, generate business processing auxiliary information based on the user information of the target user, and send the business processing auxiliary information to the target device.

[0052] It should be noted that the target device is the equipment selected for customer transactions based on the prediction results. The target idle time is the predicted optimal idle time of the device within a certain time period. Transaction assistance information may include, but is not limited to, directions to the target device, estimated waiting times, and electronic guides to the transaction process, to improve customer experience and efficiency.

[0053] Specifically, after obtaining the prediction results from the device identification model, the system determines the target device and its target idle time. At this point, the prediction results can be sent to the user terminal, allowing the user to select the device for which they need to conduct business.

[0054] Furthermore, after receiving the user's selected service device and service time, the system can identify whether the user is performing a service operation through the device. After identifying that the user has logged into the target device, the system can also generate service assistance information matching the user's information and send the service assistance information to the target device. This allows the user to use the service assistance information to perform the service operation when conducting a service on the target device, thereby improving the efficiency of service processing.

[0055] The business processing method provided in this application embodiment receives business processing appointment information from a target user and identifies the target user's business processing needs from the appointment information; determines the target institution for the target user's business processing from the business processing needs and obtains a set of historical business processing information from the target institution's database; inputs the set of historical business processing information into a device identification model to obtain a device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; determines the target device and the target idle time from the device identification result; and, upon detecting that the target user has logged into the target device, generates business processing assistance information based on the target user's user information and sends the business processing assistance information to the target device. By determining the device's idle time based on the device's historical business processing information set and sending the device identification result to the user's end, the method informs the user of the optimal time to go to the financial institution for business processing and the device to use. Simultaneously, upon detecting that the user is using the device for business processing, the method generates and displays business processing assistance information, thereby assisting the user in the business processing operation. This achieves the goal of assisting the user throughout the entire business processing process, thus improving the technical effect of improving the efficiency of users using business processing devices in financial institutions, and solving the technical problem of low efficiency in using business processing devices in related technologies.

[0056] To improve the accuracy and completeness of the historical business processing information set, optionally, in the business processing method provided in this application embodiment, obtaining the historical business processing information set from the database of the target institution includes: obtaining business processing information retained in each initial device in the target institution to obtain multiple sub-business processing information; sequentially obtaining the start processing time and end processing time of each sub-business processing information to obtain the time data of each sub-business processing information; determining each sub-business processing information and its corresponding time data as a group of sub-historical business processing information, and combining the sub-historical business processing information in each initial device to obtain the historical business processing information set.

[0057] It should be noted that sub-business processing information refers to the business processing records retained by each initial device, including details such as business type, customer information, and transaction amount. The start and end timestamps are the timestamps for the commencement and completion of a specific business transaction, used to calculate the business processing cycle. Time data is the business processing duration information derived from the analysis of the start and end times. Sub-historical business processing information is a data set combining sub-business processing information and time data. The historical business processing information set is the total set covering the sub-historical business processing information of all initial devices within the target organization.

[0058] Specifically, when acquiring historical business processing information, an automated data collection mechanism is first activated to collect business processing information stored on each device within the target organization, forming multiple sub-business processing information sets. By establishing a secure connection with the device's database management system, the latest business records are retrieved, thereby obtaining the most up-to-date information and accurately reflecting the device's recent activity.

[0059] Furthermore, the system needs to analyze the processing information of each sub-business to extract the start and end times of the business, and then use the timestamp information to obtain the time data required for business processing, i.e., the actual processing time of the business.

[0060] After obtaining the sub-business processing information and the corresponding time data, the sub-business processing information and the corresponding time data can be combined to form sub-historical business processing information that includes business details and processing time. This ensures that each sub-historical business processing information record the entire process of a business processing and includes time information.

[0061] Finally, the system summarizes and integrates the sub-historical business processing information obtained from all initial devices to construct a historical business processing information set. The construction of the set needs to follow a preset data cleaning and quality control process to improve the effectiveness and consistency of all sub-historical business processing information, thereby improving the accuracy of subsequent determination of target devices and target idle times based on the historical business processing information set.

[0062] This embodiment constructs a comprehensive set of historical business processing information through data collection and integration processes, thereby improving the accuracy of subsequent determination of target devices and target idle times.

[0063] To improve the matching degree between the target devices and target idle times obtained through screening and the target users, optionally, in the business processing method provided in this application embodiment, determining the target devices and target idle times from the device identification results includes: obtaining the processing time periods of the target user's historical business in the target institution, obtaining multiple historical processing time periods; obtaining candidate idle times located in the multiple historical processing time periods, and candidate devices for the candidate idle times; sending the candidate devices and corresponding candidate idle times to the user terminal, and receiving feedback information from the user terminal, and obtaining the target devices and target idle times from the feedback information.

[0064] It should be noted that the historical processing time period refers to the time period during which the target user visited the target institution and processed business within a certain period in the past. The candidate idle time is the predicted idle time period for each device based on historical data analysis. The candidate device is the business processing device that is predicted to have sufficient idle capacity to meet the business processing needs of the target user during the candidate idle time.

[0065] Specifically, when determining the target device and target idle time, it is first necessary to retrieve the target user's historical business transaction records from the target institution's database. Through statistical analysis algorithms, it is possible to identify the time periods during which the target user most frequently visits the bank to conduct business, thereby determining multiple historical transaction time periods.

[0066] Subsequently, based on the target users' historical processing time periods, the system uses a predictive model to analyze device usage. This model considers data from multiple dimensions, including but not limited to historical business traffic, device utilization curves, and holiday impact factors, to predict device idleness during the target users' preferred time periods and identify which devices can provide services during these idle periods, thus improving the feasibility of the prediction results.

[0067] Since multiple candidate devices and multiple candidate idle times may be obtained, the predicted candidate devices and their candidate idle times can be sent to the user's terminal, so that the user can make feedback based on personal preferences (such as distance, transportation convenience, time urgency, etc.), choose the most suitable device and time, and feed back the device information and time information to the system.

[0068] After receiving feedback, the system needs to determine the target device and target idle time based on the user's selection. Once the determination is complete, the system can send this information back to the user, allowing the user to choose to use the device for business processing during that time. This reduces the user's waiting time and improves the efficiency of business processing.

[0069] This embodiment analyzes historical user data and predicts device idle periods to accurately determine target times and devices with a high degree of matching with target users. It recommends that users use the financial institution's target devices to conduct business during the target time, thereby reducing user waiting time and improving business processing efficiency.

[0070] To improve the accuracy of auxiliary information for business processing, optionally, in the business processing method provided in this application embodiment, generating auxiliary information for business processing based on the user information of the target user includes: analyzing the user profile of the target user based on the user information of the target user to obtain a target user profile; obtaining a preset business processing flow with the highest matching degree with the target user profile under the target business; adjusting the preset business processing flow based on the target user profile to obtain a target business processing flow; and determining the target business processing flow as auxiliary information for business processing.

[0071] It should be noted that user information includes the target user's basic personal information (such as age, gender, occupation), historical transaction records, and preference settings, used to build a user profile. This user information must be obtained with the user's authorization; its use is prohibited without authorization. The user profile is a personalized characteristic description model built based on the target user information using data analysis and machine learning techniques. The target business refers to the specific type of business the user wishes to conduct at the bank, such as a fixed deposit or loan application. The preset business processing flow refers to the standard operating procedures pre-set by the financial institution for each business type, which may include required documents, review processes, and operation guidelines. Business processing auxiliary information is personalized guidance and assistance information provided to the user for conducting the target business, customized based on the user profile, including the business processing time, location, required documents, and operating steps.

[0072] Specifically, when determining auxiliary information for business processing, the first step is to extract target user information from the database, including but not limited to basic personal information, historical business preferences, and transaction patterns. Data analysis and machine learning techniques, such as cluster analysis and decision tree algorithms, are then used to construct a target user profile. This profile not only reflects the user's static attributes but also encompasses dynamic behavioral characteristics, providing a comprehensive user perspective for the personalization of subsequent processes.

[0073] Next, based on the constructed target user profile, the system selects the most suitable pre-defined business processing procedure from a pre-defined business process library. The matching degree is calculated based on the demand characteristics contained in the user profile and the adaptability of different business processes. For example, for young customers who prefer self-service, the system may recommend a process for completing the business using a smart terminal; while for elderly people who need detailed guidance, the system provides a more detailed counter service process.

[0074] Furthermore, based on the specific needs reflected in the target user profile, the system can personalize the selected preset business processing procedures. Adjustments may include modifying the document preparation checklist, simplifying operation steps, adding voice guidance, or enlarging the font size, ensuring the process best meets the user's actual needs and usage habits, reducing user confusion and inconvenience during the business processing.

[0075] Finally, the system identifies the adjusted target business processing flow as auxiliary information for business processing, enabling the target device to perform business processing operations for the user according to the target business processing flow when the user uses the target device, thereby improving business processing efficiency.

[0076] This embodiment achieves the technical effect of improving the efficiency of users' business processing by constructing user profiles and adjusting business processing procedures based on them.

[0077] To improve the accuracy of auxiliary information for business processing, optionally, in the business processing method provided in this application embodiment, generating auxiliary information for business processing based on the user information of the target user includes: generating recommendation information based on the user information and the target user's historical business, and determining the recommendation information as auxiliary information for business processing; sending the auxiliary information for business processing to the target device includes: determining the display style of the display page of the target device based on the user information of the target user; determining the free area in the display style, and displaying the auxiliary information for business processing in the free area of ​​the display page.

[0078] It should be noted that the recommended information is a business handling guide or suggestion based on user information and historical business analysis. The display style refers to the layout, colors, font size, and other appearance settings of the page displayed on the target device, and should be optimized according to user information. The unused area is the area on the display page that is not occupied by other information and can be used to display supplementary business handling information.

[0079] Specifically, when generating auxiliary information for business processing, user information and historical business records of target users can be extracted from the database. Data analysis algorithms can be used to identify user behavior patterns, business preferences and possible needs to generate recommendation information, which can then be used to promote business to users.

[0080] Furthermore, after identifying the target device, the display style of the target device can be automatically adjusted based on the target user's information, such as vision, language preferences, and operating habits, thereby improving the user's ease of use of the target device.

[0081] Finally, the structure of the displayed page can be analyzed to determine the empty areas in the display style, and recommended information can be displayed in these empty areas. This not only improves the user's ability to conduct business normally, but also allows the display of recommended information based on the user's needs, enabling the user to conduct other business based on the recommended information.

[0082] It should be noted that auxiliary information, including step-by-step instructions, precautions, and personalized suggestions, can also be displayed in the free area of ​​the target device's display page to help users quickly understand and complete the business process.

[0083] This embodiment analyzes user information and historical transactions to generate personalized business processing assistance information, and optimizes its display on the target device used by the user, thereby realizing the intelligent, personalized, and efficient business processing process.

[0084] To improve the accuracy of the output results of the device identification model, optionally, in the business processing method provided in this application embodiment, the device identification model is trained in the following manner: obtaining a set of historical business processing information from multiple financial institutions, and determining the sample idle time of each sample device in each financial institution based on the set of historical business processing information; determining the set of historical business processing information from each financial institution and the sample idle time of the sample device as a set of sample data to obtain multiple sets of sample data; using the multiple sets of sample data to train the initial identification model to obtain the device identification model.

[0085] Specifically, when training the device recognition model, it is first necessary to obtain historical business processing information sets from multiple financial institutions. These sets contain the usage of each institution's equipment at different time periods. The historical business processing information sets of each financial institution are then analyzed to identify and mark the idle times of the sample devices.

[0086] After marking the sample devices and sample idle times, the historical business processing information set of each financial institution can be paired with the corresponding sample idle times to form sample data. The collected sample data sets are then used to iteratively train the initial recognition model, gradually improving the accuracy of the model and obtaining the final device recognition model.

[0087] This embodiment achieves the technical effect of improving the accuracy of the output results of the device recognition model by acquiring a set of historical business processing information from financial institutions and determining sample data from it.

[0088] To improve the security and comfort of the business processing process, optionally, in the business processing method provided in the embodiments of this application, when it is detected that a target user has logged into the target device, the method further includes: receiving environmental information sent by the target device; and adjusting the settings of the display interface of the target device according to the environmental information.

[0089] It should be noted that environmental information refers to the condition data of the physical environment in which the target device is located, which may include information such as light intensity, noise level, and user behavior.

[0090] Specifically, when the target device begins to process business for the target user, the system continuously receives environmental information from the target device. This environmental information is collected through sensors built into the device (such as light sensors, temperature sensors, etc.). The reception of environmental information is dynamic, enabling the system to respond to environmental changes in a timely manner.

[0091] After receiving environmental information, the system needs to analyze it to identify factors that may affect the readability of the display interface and the user experience. For example, the intensity of light may require adjusting the screen brightness and contrast to ensure clear display under different lighting conditions; changes in temperature and humidity may affect the device's operating status, requiring the system to provide users with operational precautions through the interface; and noise levels may prompt the system to add voice assistance in high-noise environments to help users operate correctly.

[0092] After analyzing the environmental information, adjustment commands can be sent to the target device to modify its display settings. For example, brightness and contrast can be adjusted to adapt to ambient light, and voice guidance can be increased or decreased based on noise levels, thereby improving the user's operational efficiency and comfort.

[0093] This embodiment achieves the technical effect of improving the operational efficiency and comfort of users in handling business by receiving and analyzing environmental information and dynamically adjusting the display interface settings of the target device.

[0094] 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.

[0095] Example 2

[0096] This application also provides a business processing device. It should be noted that the business processing device of this application can be used to execute the business processing method provided in the above embodiments. The business processing device provided in this application is described below.

[0097] According to an embodiment of this application, an apparatus for implementing the above-described business processing method is also provided. Figure 3 is a schematic diagram of the business processing apparatus provided according to Embodiment 2 of this application. As shown in Figure 3, the apparatus includes:

[0098] The first receiving unit 31 is used to receive the business processing appointment information of the target user and identify the business processing needs of the target user from the business processing appointment information.

[0099] The first determining unit 32 is used to determine the target institution for the target user to handle the target business from the business handling needs, and to obtain a set of historical business handling information from the database of the target institution.

[0100] The identification unit 33 is used to input the set of historical business processing information into the device identification model to obtain the device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device.

[0101] The generation unit 34 is used to determine the target device and target idle time from the device identification results, and when the target user is detected to have logged into the target device, generate business processing auxiliary information based on the user information of the target user, and send the business processing auxiliary information to the target device.

[0102] The business processing device provided in this application embodiment receives business processing appointment information of a target user through a first receiving unit 31 and identifies the target user's business processing needs from the business processing appointment information; a first determining unit 32 determines the target institution for the target user to process the target business from the business processing needs and obtains a set of historical business processing information from the database of the target institution; an identification unit 33 inputs the set of historical business processing information into a device identification model to obtain a device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; a generating unit 34 determines the target device and the target idle time from the device identification result, and when it detects that the target user has logged into the target device, generates business processing auxiliary information based on the target user's user information and sends the business processing auxiliary information to the target device. By determining the device's idle time based on its historical transaction information and sending the device identification results to the user, the system informs the user of the optimal time to visit the financial institution and the device to use. Simultaneously, when the system detects the user using the device, it generates and displays auxiliary transaction information to assist the user in the transaction process. This achieves the goal of assisting the user throughout the entire transaction process, thereby improving the efficiency of users using transaction processing devices in financial institutions and solving the technical problem of low efficiency in using such devices in related technologies.

[0103] Optionally, in the business processing device provided in this application embodiment, the first receiving unit 31 includes: a first acquisition module, used to acquire business processing information stored in each initial device in the target institution to obtain multiple sub-business processing information; a second acquisition module, used to sequentially acquire the start time and end time of each sub-business processing information to obtain time data of each sub-business processing information; and a first determination module, used to determine each sub-business processing information and its corresponding time data as a set of sub-historical business processing information, and to combine the sub-historical business processing information in each initial device to obtain a set of historical business processing information.

[0104] Optionally, in the business processing device provided in this application embodiment, the generation unit 34 includes: a third acquisition module, used to acquire the processing time period of the target user's historical business in the target institution, and obtain multiple historical processing time periods; a fourth acquisition module, used to acquire candidate idle time located in the multiple historical processing time periods, and candidate devices of the candidate idle time; and a sending module, used to send the candidate devices and corresponding candidate idle time to the user terminal, and receive feedback information from the user terminal, and obtain the target device and target idle time from the feedback information.

[0105] Optionally, in the business processing device provided in this application embodiment, the generation unit 34 includes: an analysis module, used to analyze the user profile of the target user based on the user information of the target user to obtain the target user profile; a fifth acquisition module, used to acquire the preset business processing flow with the highest matching degree with the target user profile under the target business; an adjustment module, used to adjust the preset business processing flow based on the target user profile to obtain the target business processing flow; and a second determination module, used to determine the target business processing flow as business processing auxiliary information.

[0106] Optionally, in the business processing device provided in this application embodiment, the generation unit 34 includes: a generation module, used to generate recommendation information based on user information and the target user's historical business, and determine the recommendation information as business processing auxiliary information; the generation unit 34 includes: a third determining module, used to determine the display style of the target device's display page based on the target user's user information; and a fourth determining module, used to determine the free area in the display style, and display the business processing auxiliary information in the free area of ​​the display page.

[0107] Optionally, in the business processing device provided in this application embodiment, the device identification model is trained by the following devices: a first acquisition unit, used to acquire a set of historical business processing information from multiple financial institutions, and determine the sample idle time of each sample device in each financial institution based on the set of historical business processing information; a second determination unit, used to determine the set of historical business processing information from each financial institution and the sample idle time of the sample device as a set of sample data, thereby obtaining multiple sets of sample data; and a training unit, used to train the initial identification model using the multiple sets of sample data to obtain the device identification model.

[0108] Optionally, in the business processing device provided in this application embodiment, when the target user is detected to have logged into the target device, the device further includes: a second receiving unit for receiving environmental information sent by the target device; and an adjustment unit for adjusting the setting information of the display interface of the target device according to the environmental information.

[0109] It should be noted that the first receiving unit 31, the first determining unit 32, the identifying unit 33, and the generating 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 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.

[0110] Example 3

[0111] Embodiments of this application can provide an electronic device. FIG4 is a structural block diagram of an electronic device according to an embodiment of this application. As shown in FIG4, the electronic device may include: one or more (only one is shown in FIG4) processors 1002, memory 1004, memory controller, and peripheral interfaces, wherein the peripheral interfaces are connected to a radio frequency module, an audio module, and a display.

[0112] 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.

[0113] The processor can invoke information and applications stored in the memory via the transmission device to perform the following steps: receiving business processing appointment information of the target user and identifying the target user's business processing needs from the appointment information; determining the target institution for the target user's business processing from the business processing needs and retrieving a set of historical business processing information from the target institution's database; inputting the set of historical business processing information into the device identification model to obtain device identification results, wherein the device identification results include multiple initial devices and the initial idle time of each initial device; determining the target device and the target idle time from the device identification results, and generating business processing auxiliary information based on the target user's user information when the target user is detected to have logged into the target device, and sending the business processing auxiliary information to the target device.

[0114] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtain the business processing information retained in each initial device in the target organization to obtain multiple sub-business processing information; sequentially obtain the start processing time and end processing time of each sub-business processing information to obtain the time data of each sub-business processing information; determine each sub-business processing information and the corresponding time data as a set of sub-historical business processing information, and combine the sub-historical business processing information in each initial device to obtain a set of historical business processing information.

[0115] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the processing time period of the target user's historical business in the target institution, and obtain multiple historical processing time periods; obtain the candidate idle time located in the multiple historical processing time periods, and the candidate device of the candidate idle time; send the candidate device and the corresponding candidate idle time to the user terminal, and receive the feedback information from the user terminal, and obtain the target device and target idle time from the feedback information.

[0116] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: analyze the user profile of the target user based on the user information of the target user to obtain the target user profile; obtain the preset business processing flow with the highest matching degree with the target user profile under the target business; adjust the preset business processing flow according to the target user profile to obtain the target business processing flow; and determine the target business processing flow as business processing auxiliary information.

[0117] The processor can also invoke information and applications stored in the memory via the transmission device to perform the following steps: generating recommendation information based on user information and the target user's historical business, and identifying the recommendation information as business processing assistance information; sending the business processing assistance information to the target device includes: determining the display style of the target device's display page based on the target user's user information; determining the free area in the display style, and displaying the business processing assistance information in the free area of ​​the display page.

[0118] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain a set of historical business processing information from multiple financial institutions, and determine the sample idle time of each sample device in each financial institution based on the set of historical business processing information; determine the set of historical business processing information of each financial institution and the sample idle time of the sample device as a set of sample data to obtain multiple sets of sample data; use the multiple sets of sample data to train the initial recognition model to obtain the device recognition model.

[0119] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: receiving environmental information sent by the target device; and adjusting the settings of the target device's display interface based on the environmental information.

[0120] Those skilled in the art will understand that the structure shown in Figure 4 is merely illustrative, and the electronic device may also be a smartphone, tablet computer, PDA, mobile internet device (MID), PAD, or other terminal device. Figure 4 does not limit the structure of the aforementioned electronic device. For example, the electronic device may include more or fewer components (such as network interfaces, display devices, etc.) than shown in Figure 4, or may have a different configuration than that shown in Figure 4.

[0121] 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.

[0122] Example 4

[0123] 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 business processing method provided in Embodiment 1.

[0124] 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.

[0125] Embodiments of this application also provide a computer program product, which, when executed on a data processing device, is a program adapted to perform the steps of a business processing method.

[0126] Embodiments of this application also provide a computer-readable storage medium, which includes a stored executable program, wherein the executable program controls the device where the computer-readable storage medium is located to perform the above-described business processing method when it runs.

[0127] 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.

[0128] 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.

[0129] 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.

[0130] 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.

[0131] 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.

[0132] 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.

[0133] 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 business processing method, characterized in that, include: Receive service appointment information from target users, and identify the service needs of target users from the service appointment information; The target institution for the target user to handle the target business is determined from the business handling requirements, and a set of historical business handling information is obtained from the database of the target institution; the set of historical business handling information is input into the device identification model to obtain the device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; The target device and target idle time are determined from the device identification results. If the target user is detected to have logged into the target device, service processing assistance information is generated based on the user information of the target user and sent to the target device.

2. The method according to claim 1, characterized in that, Obtaining the set of historical business processing information from the database of the target institution includes: obtaining business processing information stored in each initial device in the target institution to obtain multiple sub-business processing information; sequentially obtaining the start time and end time of each sub-business processing information to obtain the time data of each sub-business processing information; determining each sub-business processing information and its corresponding time data as a set of sub-historical business processing information, and combining the sub-historical business processing information in each initial device to obtain the set of historical business processing information.

3. The method according to claim 1, characterized in that, Determining the target device and target idle time from the device identification results includes: obtaining the time periods during which the target user conducted historical business at the target institution, resulting in multiple historical business time periods; obtaining candidate idle times located within the multiple historical business time periods, and candidate devices for the candidate idle times; sending the candidate devices and corresponding candidate idle times to the user terminal, and receiving feedback information from the user terminal, and obtaining the target device and target idle time from the feedback information.

4. The method according to claim 1, characterized in that, Generating business processing auxiliary information based on the target user's user information includes: analyzing the target user's user profile based on the target user's user information to obtain a target user profile; obtaining a preset business processing flow with the highest matching degree to the target user profile under the target business; adjusting the preset business processing flow based on the target user profile to obtain a target business processing flow; and determining the target business processing flow as the business processing auxiliary information.

5. The method according to claim 1, characterized in that, Generating service processing assistance information based on the target user's user information includes: generating recommendation information based on the user information and the target user's historical services, and determining the recommendation information as the service processing assistance information; sending the service processing assistance information to the target device includes: determining the display style of the target device's display page based on the target user's user information; determining the free area in the display style, and displaying the service processing assistance information in the free area of ​​the display page.

6. The method according to claim 1, characterized in that, The device identification model is trained as follows: acquire historical business processing information sets from multiple financial institutions, and determine the idle time of each sample device in each financial institution based on the historical business processing information sets; determine the historical business processing information sets of each financial institution and the idle time of the sample devices as a set of sample data to obtain multiple sets of sample data; use the multiple sets of sample data to train the initial identification model to obtain the device identification model.

7. The method according to any one of claims 1 to 6, characterized in that, If the method detects that the target user has logged into the target device, it further includes: receiving environmental information sent by the target device; and adjusting the settings of the display interface of the target device according to the environmental information.

8. A business processing device, characterized in that, include: The first receiving unit is used to receive the business processing appointment information of the target user and identify the business processing needs of the target user from the business processing appointment information. The first determining unit is used to determine the target institution for the target user to handle the target business from the business handling requirements, and to obtain a set of historical business handling information from the database of the target institution. The identification unit is used to input the set of historical business processing information into the device identification model to obtain the device identification result, wherein the device identification result includes multiple initial devices and the initial idle time of each initial device; The generation unit is used to determine the target device and target idle time from the device identification result, and when the target user is detected to have logged into the target device, generate service processing assistance information based on the user information of the target user, and send the service processing assistance information to the target device.

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 business processing method according to 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 executes the business processing method according to any one of claims 1 to 7 when it runs.

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