Network point service processing method and device, and storage medium

Abstract

The application discloses a network point business handling method and device and a storage medium. It relates to the field of financial technology, and the method comprises the following steps: obtaining business reservation information submitted by a target customer online, and generating an encrypted access token and an encrypted reservation identifier by a server according to the business reservation information; sending the encrypted access token and the encrypted reservation identifier to a user equipment of the target customer, and configuring the encrypted reservation identifier as the Bluetooth broadcast content of the user equipment; obtaining the Bluetooth broadcast content of the user equipment through a reservation sensing gateway of a reservation network point, confirming that the target customer arrives at the reservation network point according to the encrypted reservation identifier in the Bluetooth broadcast content, and starting a business handling process according to the encrypted access token and the business reservation information. Through the application, the problem of low efficiency of network point business handling in the prior art is solved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a method, apparatus and storage medium for handling branch business. Background Technology

[0002] In existing technologies, when customers go to the offline branches of financial institutions to conduct business, they generally rely on on-site number taking or manual registration for identity verification and service queuing. Financial institutions cannot accurately and in real time detect whether customers have physically arrived at the branch. As a result, customers still have to spend time waiting for their number to be called, repeatedly verifying their identity, and communicating appointment information with tellers after arriving. The business process is disconnected and inefficient. Especially for customers who have pre-filled business information or made appointments through online channels, offline branches still cannot automatically recognize their arrival status and cannot achieve seamless connection between appointment information and on-site services. This results in a fragmented customer experience, delayed resource allocation, and branch staff having to repeatedly verify identities and appointment records, which increases the workload of front desk staff. The overall service response lags behind customer expectations.

[0003] There is currently no effective solution to the problem of low efficiency in handling business at branch offices in related technologies. Summary of the Invention

[0004] The main purpose of this application is to provide a method, device and storage medium for handling branch business, so as to solve the problem of low efficiency in handling branch business in related technologies.

[0005] To achieve the above objectives, according to one aspect of this application, a method for handling branch services is provided. The method includes: obtaining online appointment information submitted by a target customer, and generating an encrypted access token and an encrypted appointment identifier by a server based on the appointment information; sending the encrypted access token and the encrypted appointment identifier to the target customer's user device, and configuring the encrypted appointment identifier as the Bluetooth broadcast content of the user device; obtaining the Bluetooth broadcast content of the user device through the appointment-aware gateway of the appointment branch, confirming the target customer's arrival at the appointment branch based on the encrypted appointment identifier in the Bluetooth broadcast content, and initiating the service handling process based on the encrypted access token and the appointment information.

[0006] Optionally, obtaining the business appointment information submitted online by the target customer and generating an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information includes: generating an encrypted access token and an original appointment identifier by the server based on the business appointment information, and setting the validity period of the encrypted access token; sending the original appointment identifier to the appointment awareness gateway; and encrypting the original appointment identifier using an asymmetric encryption algorithm to obtain an encrypted appointment identifier.

[0007] Optionally, obtaining the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation point, and confirming the arrival of the target customer at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content includes: obtaining the Bluetooth broadcast content of the user device through the Bluetooth beacon array of the reservation point, and extracting the encrypted reservation identifier from the Bluetooth broadcast content; sending the encrypted reservation identifier to the reservation sensing gateway; decrypting the encrypted reservation identifier through the reservation sensing gateway to obtain the plaintext reservation identifier; and confirming the arrival of the target customer at the reservation point if the plaintext reservation identifier matches the original reservation identifier.

[0008] Optionally, after obtaining the Bluetooth broadcast content of the user device through the reservation awareness gateway of the reservation point, and confirming that the target customer has arrived at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content, the method further includes: generating a predicted additional service for the target customer based on the target customer's customer information and business reservation information, and sending the predicted additional service to the user device; and providing the predicted additional service to the target customer if the target customer decides to use the predicted additional service.

[0009] Optionally, initiating the business processing procedure based on the encrypted access token and business appointment information includes: determining the target service window based on the business appointment information and the business load status of each service window; the staff at the target service window decrypting and verifying the encrypted access token, and if the verification is successful, determining the appointment business based on the business appointment information and initiating the business processing procedure for the appointment business.

[0010] Optionally, determining the target service window based on the business appointment information and the business load status of each service window includes: calculating the time difference between the actual arrival time of the target customer and the appointment time in the business appointment information; increasing the priority of the target customer's appointment business if the time difference is less than a preset time threshold; and determining the target service window based on the increased priority of the appointment business, the business appointment information, and the business load status of each service window.

[0011] Optionally, after obtaining the business appointment information submitted online by the target customer and generating an encrypted access token and an encrypted appointment identifier based on the business appointment information, the method further includes: invalidating the encrypted access token and the encrypted appointment identifier if it is detected that the target customer has modified the business appointment information; and generating a new encrypted access token and a new encrypted appointment identifier based on the modified business appointment information.

[0012] To achieve the above objectives, according to another aspect of this application, a branch service processing device is provided. The device includes: an acquisition unit, configured to acquire online appointment information submitted by a target customer, and generate an encrypted access token and an encrypted appointment identifier by a server based on the appointment information; a configuration unit, configured to send the encrypted access token and the encrypted appointment identifier to the target customer's user device, and configure the encrypted appointment identifier as Bluetooth broadcast content of the user device; and a confirmation unit, configured to acquire the Bluetooth broadcast content of the user device through the appointment-aware gateway of the appointment branch, confirm the target customer's arrival at the appointment branch based on the encrypted appointment identifier in the Bluetooth broadcast content, and initiate the service processing procedure based on the encrypted access token and the appointment information.

[0013] According to another aspect of this application, a computer-readable storage medium is provided, which includes a stored program, wherein, when the program is executed, it controls the device where the computer-readable storage medium is located to perform any branch office business processing method.

[0014] According to another aspect of this application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, and the one or more programs include methods for performing any branch office service processing method.

[0015] According to another aspect of this application, a computer program product is provided, including computer instructions, which, when executed by a processor, implement the steps of the branch business processing method described above.

[0016] In this embodiment, by obtaining the business appointment information submitted online by the target customer, and generating an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information; sending the encrypted access token and encrypted appointment identifier to the target customer's user device, and configuring the encrypted appointment identifier as the Bluetooth broadcast content of the user device; obtaining the Bluetooth broadcast content of the user device through the appointment sensing gateway of the appointment point, confirming the target customer's arrival at the appointment point based on the encrypted appointment identifier in the Bluetooth broadcast content, and initiating the business processing process based on the encrypted access token and business appointment information, the technical problem of low efficiency in branch business processing is solved. In this application, after the target customer submits a business appointment online, a unique and encrypted access token and appointment identifier are generated. The encrypted access token is used for identity verification, and the encrypted appointment identifier is configured in the Bluetooth broadcast of the user device. When the target customer arrives at the appointment point, the user device's Bluetooth automatically broadcasts the encrypted appointment identifier. The appointment sensing gateway deployed at the appointment point detects and parses the Bluetooth broadcast content, confirms the target customer's arrival at the offline branch, and initiates the business processing process, thereby achieving the technical effect of improving the efficiency of branch business processing. Attached Figure Description

[0017] 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:

[0018] Figure 1 A hardware structure block diagram of a computer terminal for implementing a branch office business processing method is shown.

[0019] Figure 2 This is a flowchart of a branch business processing method provided according to an embodiment of this application;

[0020] Figure 3 This is a schematic diagram of the appointment service process provided according to the embodiments of this application;

[0021] Figure 4 This is a schematic diagram of a branch service processing device provided according to an embodiment of this application;

[0022] Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0023] 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.

[0024] 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.

[0025] It should be noted that all relevant information (including at least one of the following: user device information, user personal information, etc.) and data (including at least one of the following: data used for display, data used for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with the relevant user or organization. Before obtaining relevant information, it needs to send an acquisition request to the aforementioned user or organization through the interface, and obtain the relevant information after receiving consent information from the aforementioned user or organization.

[0026] Example 1

[0027] According to an embodiment of this application, a method embodiment for handling branch business 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. Also, although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than that shown here.

[0028] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a branch office service processing method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include at least one of the following: a microprocessor MCU or a programmable logic device FPGA, etc.), 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 (I / O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0029] 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).

[0030] 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 branch service handling method in this embodiment of the application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the above-mentioned branch service handling 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 the above-mentioned networks include at least one of the following: the Internet, corporate intranet, local area network, mobile communication network, and combinations thereof.

[0031] 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.

[0032] The display can be, for example, a touchscreen liquid crystal display (LCD), which allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0033] Under the aforementioned operating environment, this application provides the following: Figure 2 The instructions for handling business at the branch are shown. Figure 2 This is a flowchart of a branch business processing method according to Embodiment 1 of this application.

[0034] Step S201: Obtain the business appointment information submitted online by the target customer, and generate an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information.

[0035] Optionally, the business appointment information can be information actively submitted by the target customer through online channels such as web pages and mini-programs. This information can include identity information, type of business to be booked, appointment time, and appointment location. Once the target customer completes the business appointment on the mobile device, the backend receives the appointment request. It can extract key fields, call the security key management service, and use an encryption algorithm to encrypt the unique appointment identifier, generating an encrypted appointment identifier. Simultaneously, it can also generate a time-sensitive encrypted access token. This encrypted access token is bound to the customer's identity and appointment information and stored in a secure database on the server for subsequent identity verification.

[0036] Step S202: Send the encrypted access token and encrypted reservation identifier to the target customer's user device, and configure the encrypted reservation identifier as the Bluetooth broadcast content of the user device.

[0037] Optionally, the encrypted reservation identifier can be packaged into a Bluetooth Low Energy (BLE) broadcast data structure and continuous broadcasting can be started. The broadcast interval can be set to 1 to 5 seconds, and the broadcast range can be controlled to 5 to 10 meters.

[0038] Step S203: Obtain the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation point, confirm the arrival of the target customer at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content, and start the business processing process based on the encrypted access token and business reservation information.

[0039] Optionally, the reservation sensing gateway deployed at the reservation point can continuously scan the surrounding BLE broadcast signals, decrypt and restore the original reservation identifier, verify whether the original reservation identifier exists in the current valid reservation database, and whether it matches the reservation point. If the match is successful, the reservation information is pushed to the counter terminal and queuing system, skipping the number taking step, directly entering the "priority service for customers with reservations" queue, and starting the business processing process.

[0040] The branch service processing method provided in this application embodiment obtains the online appointment information submitted by the target customer, and generates an encrypted access token and an encrypted appointment identifier by the server based on the appointment information. The encrypted access token and encrypted appointment identifier are sent to the target customer's user device, and the encrypted appointment identifier is configured as the Bluetooth broadcast content of the user device. The Bluetooth broadcast content of the user device is obtained through the appointment sensing gateway of the appointment branch, and the encrypted appointment identifier in the Bluetooth broadcast content confirms that the target customer has arrived at the appointment branch. The service processing process is then initiated based on the encrypted access token and the appointment information, thus solving the technical problem of low efficiency in branch service processing. In this application, after the target customer submits a service appointment online, a unique and encrypted access token and appointment identifier are generated. The encrypted access token is used for identity verification, and the encrypted appointment identifier is configured in the Bluetooth broadcast of the user device. When the target customer arrives at the appointment branch, the user device's Bluetooth automatically broadcasts the encrypted appointment identifier. The appointment sensing gateway deployed at the appointment branch detects and parses the Bluetooth broadcast content, confirms that the target customer has arrived at the offline branch, and initiates the service processing process, thereby achieving the technical effect of improving the efficiency of branch service processing.

[0041] To enhance the security of branch information and customer information, optionally, in the branch business processing method provided in this application embodiment, obtaining the business appointment information submitted online by the target customer, and generating an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information, includes:

[0042] The first step is to generate an encrypted access token and an original reservation identifier by the server based on the business reservation information, and set the validity period of the encrypted access token.

[0043] Optionally, after receiving the business appointment information submitted by the target customer, the server generates a globally unique original appointment identifier and establishes a mapping relationship between the original appointment identifier and the customer's identity, appointment details, and branch information in the database. An encrypted access token can be generated using an encryption algorithm based on the customer's identity and appointment information by calling the encryption service module. An expiration time is embedded in the encrypted access token's metadata, and the encrypted access token is only valid within a predetermined time window. The encrypted access token is uniquely bound to the original appointment identifier and stored in a secure database.

[0044] The second step is to send the original reservation identifier to the reservation awareness gateway.

[0045] Optionally, after generating the original reservation identifier, the server pre-sends the original reservation identifier to the reservation awareness gateway of the reservation point through a secure communication channel. The reservation awareness gateway caches the original reservation identifier in the local secure storage area to form a list of identifiers to be matched.

[0046] The third step is to encrypt the original reservation identifier using an asymmetric encryption algorithm to obtain the encrypted reservation identifier.

[0047] Optionally, the server can obtain the public key corresponding to the reservation awareness gateway from its key management system, use the public key to perform asymmetric encryption on the original reservation identifier, and generate an encrypted reservation identifier. Even if an attacker intercepts the broadcast content, they will not be able to restore the original identifier or forge a legitimate broadcast, thus improving the security of the branch information.

[0048] In summary, by taking the above steps, generating an original reservation identifier and an encrypted access token based on the business reservation information, and then encrypting the original reservation identifier using an encryption algorithm to obtain an encrypted reservation identifier, the security of branch information and customer information is improved.

[0049] To accurately determine the physical arrival behavior of target customers, optionally, in the branch service processing method provided in this application embodiment, obtaining the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation branch, and confirming the arrival of the target customer at the reservation branch based on the encrypted reservation identifier in the Bluetooth broadcast content includes:

[0050] The first step is to obtain the Bluetooth broadcast content of the user device through the Bluetooth beacon array of the reservation point, and extract the encrypted reservation identifier from the Bluetooth broadcast content.

[0051] Optionally, multiple Bluetooth beacon nodes within the reservation point continuously monitor Bluetooth Low Energy broadcast signals in the surrounding environment. When a target customer enters the sensing range with a user device that has been configured with broadcast content, the Bluetooth broadcast content emitted by the user device will be captured by any one or more Bluetooth beacons.

[0052] The second step is to send the encrypted reservation identifier to the reservation awareness gateway.

[0053] Optionally, the extracted encrypted reservation identifier and its metadata can be uploaded to the locally deployed reservation awareness gateway via a secure channel.

[0054] The third step is to decrypt the encrypted reservation identifier through the reservation awareness gateway to obtain the plaintext reservation identifier.

[0055] Optionally, the reservation awareness gateway can retrieve the paired private key from local secure storage and use an asymmetric decryption algorithm to decrypt the received encrypted reservation identifier, restoring the original plaintext reservation identifier.

[0056] The fourth step is to confirm that the target customer has arrived at the appointment location if the plaintext appointment identifier matches the original appointment identifier.

[0057] Optionally, the plaintext reservation identifier obtained by decryption is compared with the list of valid reservation identifiers stored locally. If an original reservation identifier that matches the plaintext reservation identifier exists, it is determined that the target customer's physical visit to the store is valid.

[0058] In summary, by automatically acquiring the Bluetooth broadcast content of the user's device, decrypting the encrypted reservation identifier in the Bluetooth broadcast content to obtain the corresponding plaintext reservation identifier, and confirming that it matches the original reservation identifier stored locally, the system can determine that the target customer has arrived at the offline outlet, thus achieving the technical effect of accurately sensing the physical arrival behavior of the target user.

[0059] To improve the customer experience, optionally, in the branch service processing method provided in this application embodiment, after obtaining the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation branch, and confirming that the target customer has arrived at the reservation branch based on the encrypted reservation identifier in the Bluetooth broadcast content, the method further includes:

[0060] The first step is to generate a predicted additional service for the target customer based on their customer information and business appointment information, and then send the predicted additional service to the user's device.

[0061] Optionally, based on customer profiles and business appointment information, the intelligent decision engine can automatically infer related financial services that the target customer may need but has not yet proactively requested during the current business process. For example, when making an appointment to open a pension account, recommend purchasing accompanying pension financial products. This information can be pushed to the user's device in the form of pop-ups, notification bars, or message centers.

[0062] The second step is to provide the forecasting add-on service to the target customer once they have decided to purchase it.

[0063] Optionally, once a target customer decides to purchase the forecasted additional service, the forecasted additional service can be pushed to the branch customer manager's terminal, automatically generating a priority service queue number for the target customer, skipping the ordinary queuing process, and improving business processing efficiency.

[0064] In summary, by following the steps above, we can further predict the additional services that target customers may need based on customer information and appointment information, thereby improving the target customer experience.

[0065] To improve the efficiency of business processing, optionally, in the branch business processing method provided in this application embodiment, initiating the business processing procedure based on the encrypted access token and business appointment information includes:

[0066] The first step is to determine the target service window based on the business appointment information and the business load status of each service window.

[0067] Optionally, the service window workload status refers to the real-time task queuing status of the current service window, including the number of customers currently being served, the number of customers waiting in the queue, the average processing time, window service type permissions, employee skill tags, etc., which can be collected and updated in real time by the branch's intelligent scheduling system. Through comprehensive evaluation using intelligent scheduling algorithms, the system can assign the most suitable target service window to the target customer, achieving resource balancing and minimizing customer waiting time.

[0068] The second step involves the staff at the target service window decrypting and verifying the encrypted access token. If the verification is successful, the staff will determine the scheduled service based on the appointment information and initiate the service processing procedure.

[0069] Optionally, when a target customer arrives at the target service window, staff can use a terminal device equipped with a secure card reader or barcode scanner to scan the encrypted access token. The terminal device then uses its local security chip and a pre-set key to decrypt the encrypted access token. If the verification is successful, the target customer's complete appointment information will automatically pop up, the corresponding business transaction interface will automatically open, and the appointment processing flow will begin.

[0070] In summary, by following the steps above, the most suitable target service window is determined based on the service window's workload. Staff then decrypt and verify the encrypted access token. Once verified, the appointment service is automatically determined based on the appointment information, and the service processing procedure is initiated, thereby improving service processing efficiency.

[0071] To improve the customer experience, optionally, in the branch service processing method provided in this application embodiment, determining the target service window based on service appointment information and the workload of each service window includes:

[0072] The first step is to calculate the time difference between the target customer's actual arrival time and the scheduled processing time in the business appointment information.

[0073] Optionally, after confirming the arrival of the target customer, the appointment time of the target customer can be extracted from the appointment database and compared with the timestamp of the actual arrival time reported by the sensing gateway to calculate the time difference.

[0074] The second step is to increase the priority of the appointment business for the target customers when the time difference is less than the preset time threshold.

[0075] Optionally, when the calculated time difference is less than a preset threshold (e.g., time difference ≤ 10 minutes), a performance incentive mechanism can be triggered to upgrade the priority of the target customer's appointment business from "standard level" to "high priority" or "on-time reward level".

[0076] The third step is to determine the target service window based on the increased priority of the appointment service, the appointment information, and the workload of each service window.

[0077] Optionally, by combining business appointment information and the business load of each service window, prioritizing the service to target customers based on the increased priority of appointment services can improve the experience of target customers.

[0078] In summary, by taking the above steps, after the target customer arrives at the appointment point, the time difference between the actual arrival time and the appointment processing time is calculated. If the time difference is less than a preset time threshold, the priority of the appointment service is increased. Based on the increased priority, the appointment information, and the workload of each service window, the target service window is determined, thereby improving the experience of the target customer.

[0079] To enhance the security of business processes, optionally, in the branch business processing method provided in this application embodiment, after obtaining the business appointment information submitted online by the target customer and generating an encrypted access token and an encrypted appointment identifier based on the business appointment information, the method further includes:

[0080] The first step is to invalidate the encrypted access token and encrypted appointment identifier if the target customer is found to have modified their business appointment information.

[0081] Optionally, the original access token can be invalidated by adding its unique identifier to the invalidated token list, or the original encrypted reservation identifier can be invalidated by removing the original identifier corresponding to the original encrypted reservation identifier from the reservation awareness gateway's list. After the invalidation operation is completed, even if the original access token and reservation identifier still exist in the user's device, the reservation point will refuse to verify them, which helps with security isolation and risk cutoff.

[0082] The second step is to generate a new encrypted access token and a new encrypted reservation identifier based on the modified business reservation information.

[0083] Optionally, after the original access token and the original reservation identifier are invalidated, the target customer does not need to re-initiate the reservation. The server can generate a new encrypted access token and a new encrypted reservation identifier based on the new and modified business reservation information, and send the new encrypted access token and the new encrypted reservation identifier to the user's device, thereby improving the smoothness of the business process and the user's experience.

[0084] In summary, by following the steps above, the original encrypted access token and the original reservation identifier are invalidated after the target customer modifies the business reservation information. There is no need to submit a reservation application again. A new encrypted access token and a new encrypted reservation identifier are generated directly based on the modified business reservation information, which improves the security and smoothness of the business process and also enhances the user experience.

[0085] For example, Figure 3 The diagram illustrates the appointment service process. The online appointment process includes: a target customer initiates an appointment, fills in appointment information on their device, the online appointment server saves the appointment information and generates an appointment identifier, configures the appointment identifier as a Bluetooth broadcast on the user's device, sends the appointment identifier to the appointment sensing gateway, and the appointment sensing gateway saves the appointment identifier. The offline processing process includes: the target customer goes to the branch, detects the Bluetooth broadcast through the branch's Bluetooth beacon array, the appointment sensing gateway receives and decrypts the appointment identifier, determines whether the target customer is a confirmed customer based on the decrypted identifier, if not, proceeds with the existing offline processing process; if so, the branch's service resources are scheduled through the branch's business collaboration engine, the customer's identity is verified through the service window, and the service is processed if verification is successful. Combining the online appointment and offline processing processes helps improve the efficiency of service processing and increases user satisfaction.

[0086] 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.

[0087] Example 2

[0088] This application also provides a branch office service processing device. It should be noted that this device can be used to execute the branch office service processing method provided in this application. The following describes the branch office service processing device provided in this application.

[0089] According to an embodiment of this application, an apparatus for implementing the above-described branch business processing method is also provided, such as... Figure 4 As shown, the device includes: an acquisition unit 401, a configuration unit 402, and a confirmation unit 403.

[0090] Specifically, the acquisition unit 401 is used to acquire the business appointment information submitted online by the target customer, and generate an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information.

[0091] Configuration unit 402 is used to send the encrypted access token and the encrypted reservation identifier to the user equipment of the target customer, and configure the encrypted reservation identifier as the Bluetooth broadcast content of the user equipment;

[0092] The confirmation unit 403 is used to obtain the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation point, confirm the arrival of the target customer at the reservation point according to the encrypted reservation identifier in the Bluetooth broadcast content, and start the business processing process according to the encrypted access token and business reservation information.

[0093] The branch service processing device provided in this application embodiment obtains the online appointment information submitted by the target customer through the acquisition unit 401, and generates an encrypted access token and an encrypted appointment identifier by the server based on the appointment information; the configuration unit 402 sends the encrypted access token and the encrypted appointment identifier to the target customer's user device, and configures the encrypted appointment identifier as the Bluetooth broadcast content of the user device; the confirmation unit 403 obtains the Bluetooth broadcast content of the user device through the appointment sensing gateway of the appointment branch, confirms the target customer's arrival at the appointment branch based on the encrypted appointment identifier in the Bluetooth broadcast content, and starts the service processing process based on the encrypted access token and the appointment information. This solves the problem of low efficiency in branch service processing in related technologies and achieves the effect of improving the efficiency of branch service processing.

[0094] Optionally, in the branch service processing device provided in this application embodiment, the acquisition unit 401 includes: a generation module, used to generate an encrypted access token and an original reservation identifier by the server according to the service reservation information, and set the validity period of the encrypted access token; a first sending module, used to send the original reservation identifier to the reservation perception gateway; and an encryption module, used to encrypt the original reservation identifier using an asymmetric encryption algorithm to obtain an encrypted reservation identifier.

[0095] Optionally, in the branch service processing device provided in this application embodiment, the confirmation unit 403 includes: an acquisition module, used to acquire the Bluetooth broadcast content of the user device through the Bluetooth beacon array of the reservation branch, and extract the encrypted reservation identifier from the Bluetooth broadcast content; a second sending module, used to send the encrypted reservation identifier to the reservation sensing gateway; a decryption module, used to decrypt the encrypted reservation identifier through the reservation sensing gateway to obtain the plaintext reservation identifier; and a confirmation module, used to confirm that the target customer has arrived at the reservation branch if the plaintext reservation identifier is consistent with the original reservation identifier.

[0096] Optionally, in the branch service processing device provided in this application embodiment, the device further includes: a first generation unit, configured to, after obtaining the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation branch, confirming the arrival of the target customer at the reservation branch based on the encrypted reservation identifier in the Bluetooth broadcast content, generate a predicted additional service for the target customer based on the customer information and service reservation information of the target customer, and send the predicted additional service to the user device; and a service unit, configured to provide the predicted additional service to the target customer when the target customer determines to process the predicted additional service.

[0097] Optionally, in the branch service processing device provided in this application embodiment, the confirmation unit 403 includes: a first determination module, used to determine the target service window based on the service appointment information and the business load status of each service window; and a second determination module, used by the staff of the target service window to decrypt and verify the encrypted access token, and if the verification is successful, to determine the appointment service based on the service appointment information and start the service processing procedure for the appointment service.

[0098] Optionally, in the branch service processing device provided in this application embodiment, the first determining module includes: a calculation submodule, used to calculate the time difference between the actual arrival time of the target customer and the appointment time in the service appointment information; an increasing priority submodule, used to increase the priority of the target customer's appointment service when the time difference is less than a preset time threshold; and a determining submodule, used to determine the target service window based on the increased priority of the appointment service, the service appointment information, and the business load status of each service window.

[0099] Optionally, in the branch service processing device provided in this application embodiment, the device further includes: a cancellation unit, used to cancel the encrypted access token and encrypted appointment identifier after obtaining the business appointment information submitted online by the target customer and generating an encrypted access token and an encrypted appointment identifier based on the business appointment information; and a second generation unit, used to generate a new encrypted access token and a new encrypted appointment identifier based on the modified business appointment information.

[0100] It should be noted that the acquisition unit 401, configuration unit 402, and confirmation unit 403 mentioned above correspond to steps S201 to S203 in Embodiment 1. The three units and their corresponding steps implement the same instances and application scenarios, 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 run in the computer terminal 10 provided in Embodiment 1.

[0101] Example 3

[0102] Embodiments of this application may provide a computer terminal, which may be any computer terminal device in a group of computer terminals. Optionally, in this embodiment, the aforementioned computer terminal may also be replaced with a mobile terminal or an electronic device, etc.

[0103] Optionally, in this embodiment, the computer terminal may be located in at least one of a plurality of network devices in a computer network.

[0104] In this embodiment, the computer terminal described above can execute the program code for the following steps in the branch service processing method: obtaining the business appointment information submitted online by the target customer, and generating an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information; sending the encrypted access token and the encrypted appointment identifier to the target customer's user device, and configuring the encrypted appointment identifier as the Bluetooth broadcast content of the user device; obtaining the Bluetooth broadcast content of the user device through the appointment sensing gateway of the appointment branch, confirming the target customer's arrival at the appointment branch based on the encrypted appointment identifier in the Bluetooth broadcast content, and initiating the business processing process based on the encrypted access token and the business appointment information.

[0105] Optionally, the aforementioned computer terminal can execute the program code for the following steps in the branch business processing method: obtaining the business appointment information submitted online by the target customer, and generating an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information, including: generating an encrypted access token and an original appointment identifier by the server based on the business appointment information, and setting the validity period of the encrypted access token; sending the original appointment identifier to the appointment awareness gateway; and encrypting the original appointment identifier using an asymmetric encryption algorithm to obtain an encrypted appointment identifier.

[0106] Optionally, the aforementioned computer terminal can execute the program code for the following steps in the branch service processing method: obtaining the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation branch, and confirming the arrival of the target customer at the reservation branch based on the encrypted reservation identifier in the Bluetooth broadcast content, including: obtaining the Bluetooth broadcast content of the user device through the Bluetooth beacon array of the reservation branch, and extracting the encrypted reservation identifier from the Bluetooth broadcast content; sending the encrypted reservation identifier to the reservation sensing gateway; decrypting the encrypted reservation identifier through the reservation sensing gateway to obtain the plaintext reservation identifier; and confirming the arrival of the target customer at the reservation branch if the plaintext reservation identifier matches the original reservation identifier.

[0107] Optionally, the computer terminal described above can execute the program code for the following steps in the branch service handling method: after obtaining the Bluetooth broadcast content of the user device through the appointment sensing gateway of the appointment branch, and confirming that the target customer has arrived at the appointment branch according to the encrypted appointment identifier in the Bluetooth broadcast content, the method further includes: generating a predicted additional service for the target customer based on the target customer's customer information and service appointment information, and sending the predicted additional service to the user device; and providing the predicted additional service to the target customer if the target customer confirms that the predicted additional service is to be handled.

[0108] Optionally, the aforementioned computer terminal can execute program code for the following steps in the branch business processing method: initiating the business processing procedure based on the encrypted access token and business appointment information, including: determining the target service window based on the business appointment information and the business load status of each service window; the staff at the target service window decrypting and verifying the encrypted access token, and if the verification is successful, determining the appointment business based on the business appointment information and initiating the business processing procedure for the appointment business.

[0109] Optionally, the aforementioned computer terminal can execute program code for the following steps in the branch business processing method: determining the target service window based on the business appointment information and the business load status of each service window, including: calculating the time difference between the actual arrival time of the target customer and the appointment time in the business appointment information; increasing the priority of the target customer's appointment business if the time difference is less than a preset time threshold; and determining the target service window based on the increased priority of the appointment business, the business appointment information, and the business load status of each service window.

[0110] Optionally, the computer terminal described above can execute the program code for the following steps in the branch business processing method: after obtaining the business appointment information submitted online by the target customer and generating an encrypted access token and an encrypted appointment identifier based on the business appointment information, the method further includes: invalidating the encrypted access token and the encrypted appointment identifier when it is detected that the target customer has modified the business appointment information; and generating a new encrypted access token and a new encrypted appointment identifier based on the modified business appointment information.

[0111] Optionally, Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (Only one is shown) processor 502, memory 504, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0112] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the branch service processing method and apparatus in this application embodiment. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby realizing the aforementioned branch service processing method. 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 the aforementioned networks include at least one of the following: the Internet, corporate intranet, local area network, mobile communication network, and combinations thereof.

[0113] The processor can access the information and application programs stored in the memory via the transmission device to execute the steps described above in the branch business processing method.

[0114] This application provides a solution for handling branch business. By acquiring online appointment information submitted by a target customer, the server generates an encrypted access token and an encrypted appointment identifier based on the appointment information. The encrypted access token and encrypted appointment identifier are sent to the target customer's user device, and the encrypted appointment identifier is configured as the Bluetooth broadcast content of the user device. The Bluetooth broadcast content of the user device is obtained through the appointment sensing gateway of the appointment branch. Based on the encrypted appointment identifier in the Bluetooth broadcast content, the arrival of the target customer at the appointment branch is confirmed, and the business handling process is initiated based on the encrypted access token and the appointment information. This solution addresses the technical problem of low efficiency in branch business handling and achieves the technical effect of improving the efficiency of branch business handling.

[0115] Those skilled in the art will understand that Figure 5 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 5 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 5 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 5 The different configurations shown.

[0116] 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.

[0117] Example 4

[0118] 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 branch service processing method provided in Embodiment 1.

[0119] 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.

[0120] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing the steps of a branch business processing method.

[0121] 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.

[0122] 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.

[0123] 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 couplings, direct couplings, or communication connections may be through some interfaces; indirect couplings or communication connections between units or modules may be electrical or other forms.

[0124] 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.

[0125] 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.

[0126] 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 of 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.

[0127] The above are merely preferred embodiments of this application. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principles of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for handling branch business, characterized in that, include: Obtain the business appointment information submitted online by the target customer, and generate an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information; The encrypted access token and the encrypted reservation identifier are sent to the target customer's user device, and the encrypted reservation identifier is configured as the Bluetooth broadcast content of the user device; The system obtains the Bluetooth broadcast content of the user device through the reservation sensing gateway of the reservation point, confirms the arrival of the target customer at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content, and initiates the business processing process based on the encrypted access token and the business reservation information.

2. The method according to claim 1, characterized in that, The process of obtaining online appointment information submitted by target customers and generating encrypted access tokens and encrypted appointment identifiers by the server based on the appointment information includes: Based on the business reservation information, the server generates an encrypted access token and an original reservation identifier, and sets the validity period of the encrypted access token; Send the original reservation identifier to the reservation awareness gateway; The original reservation identifier is encrypted using an asymmetric encryption algorithm to obtain the encrypted reservation identifier.

3. The method according to claim 2, characterized in that, Obtaining the Bluetooth broadcast content of the user device through the reservation awareness gateway of the reservation point, and confirming the arrival of the target customer at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content includes: The Bluetooth broadcast content of the user device is obtained through the Bluetooth beacon array of the reservation point, and the encrypted reservation identifier is extracted from the Bluetooth broadcast content; Send the encrypted reservation identifier to the reservation awareness gateway; The encrypted reservation identifier is decrypted through the reservation awareness gateway to obtain the plaintext reservation identifier; If the plaintext reservation identifier matches the original reservation identifier, the target customer is confirmed to have arrived at the reservation location.

4. The method according to claim 1, characterized in that, After obtaining the Bluetooth broadcast content of the user device through the reservation awareness gateway of the reservation point, and confirming that the target customer has arrived at the reservation point based on the encrypted reservation identifier in the Bluetooth broadcast content, the method further includes: Based on the target customer's customer information and the business appointment information, generate a predicted additional service for the target customer and send the predicted additional service to the user device; If the target customer decides to subscribe to the forecasting add-on service, the forecasting add-on service is provided to the target customer.

5. The method according to claim 1, characterized in that, The process of initiating a service application based on the encrypted access token and the service appointment information includes: The target service window is determined based on the service reservation information and the service load status of each service window. The staff at the target service window decrypts and verifies the encrypted access token. If the verification is successful, they determine the appointment service based on the appointment information and initiate the service processing procedure for the appointment service.

6. The method according to claim 5, characterized in that, The target service window is determined based on the service reservation information and the workload of each service window, including: Calculate the time difference between the actual arrival time of the target customer and the scheduled processing time in the business appointment information; If the time difference is less than a preset time threshold, the priority of the target customer's appointment service will be increased. The target service window is determined based on the increased priority of the appointment service, the appointment information, and the workload of each service window.

7. The method according to claim 1, characterized in that, After obtaining the business appointment information submitted online by the target customer, and generating an encrypted access token and an encrypted appointment identifier based on the business appointment information, the method further includes: If the target customer is found to have modified their business appointment information, the encrypted access token and the encrypted appointment identifier shall be invalidated. A new encrypted access token and a new encrypted appointment identifier are generated based on the modified business appointment information.

8. A branch office service processing device, characterized in that, include: The acquisition unit is used to acquire the business appointment information submitted online by the target customer, and generate an encrypted access token and an encrypted appointment identifier by the server based on the business appointment information. A configuration unit is configured to send the encrypted access token and the encrypted reservation identifier to the target customer's user equipment, and configure the encrypted reservation identifier as the Bluetooth broadcast content of the user equipment; The confirmation unit is used to obtain the Bluetooth broadcast content of the user device through the reservation awareness gateway of the reservation point, confirm that the target customer has arrived at the reservation point according to the encrypted reservation identifier in the Bluetooth broadcast content, and start the business processing process according to the encrypted access token and the business reservation information.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored executable program, wherein, when the executable program is executed, it controls the device where the computer-readable storage medium is located to perform the branch 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 branch business processing method according to any one of claims 1 to 7 when it runs.

11. 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 branch business processing method according to any one of claims 1 to 7.

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