Transaction request processing method, apparatus, and storage medium

Abstract

The application discloses a transaction request processing method and device and a storage medium. It relates to the field of financial technology, and the method comprises the following steps: receiving conversation information input by a target user; identifying the basic intention of the target user and the target business type corresponding to the basic intention based on the conversation information through a first layer controller; identifying the target parameter corresponding to the target business type in the conversation information based on the target business type through a second layer controller, filling a preset parameter template corresponding to the target business type based on the target parameter, and obtaining a target parameter template; determining the target intention of the target user according to the basic intention and the target parameter template; determining a plurality of atomic transaction operations according to the target intention, and executing each atomic transaction operation to execute the transaction request of the target user. Through the application, the problem that the intention of a user cannot be accurately identified in the related art, resulting in a low success rate of processing transaction requests, 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 processing transaction requests. Background Technology

[0002] While existing mobile banking platforms have widely adopted intent recognition technology to respond to users' natural language input, they can only recognize coarse-grained, single intents, such as basic commands like "transfer," "query," and "investment." They struggle to effectively interpret semantically ambiguous, context-dependent, or complex transaction requests expressed by users in real-world interaction scenarios, leading to intent recognition failures or incorrect redirects to irrelevant transaction pages. Furthermore, existing technologies lack a layered intent parsing mechanism and continuous tracking of contextual states, resulting in an inability to accurately identify the intent contained in users' natural speech input. This not only reduces the success rate of transaction processing but also diminishes user engagement and trust due to repeated redirects, confusing prompts, and delayed responses, leading to a poor overall user experience.

[0003] There is currently no effective solution to the problem that the relevant technologies cannot accurately identify the user's intent, resulting in a low success rate in processing transaction requests. Summary of the Invention

[0004] The main objective of this application is to provide a method, apparatus, and storage medium for processing transaction requests, in order to solve the problem in related technologies that the user's intent cannot be accurately identified, resulting in a low success rate in processing transaction requests.

[0005] To achieve the above objectives, according to one aspect of this application, a method for processing transaction requests is provided. The method includes: receiving dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; identifying the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information through a first-layer controller; identifying target parameters corresponding to the target service type in the dialogue information based on the target service type through a second-layer controller, and filling a preset parameter template corresponding to the target service type with the target parameters to obtain a target parameter template; determining the target user's target intent based on the basic intent and the target parameter template; determining multiple atomic transaction operations based on the target intent, and executing each atomic transaction operation to execute the target user's transaction request.

[0006] Optionally, identifying the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information through the first-level controller includes: analyzing the dialogue information through the first-level controller to determine at least one candidate intent, the probability of each candidate intent, and the service type of each candidate intent; determining the candidate intent with the highest probability among the at least one candidate intent as the basic intent, and determining the service type of the candidate intent with the highest probability among the at least one candidate intent as the target service type.

[0007] Optionally, before identifying the target parameters corresponding to the target service type in the dialogue information based on the target service type through the second-layer controller, and filling the preset parameter template corresponding to the target service type based on the target parameters to obtain the target parameter template, the method further includes: determining the confidence level of the basic intent based on the probability of the basic intent; determining whether the confidence level of the basic intent is lower than a preset confidence threshold; if the confidence level of the basic intent is lower than the preset confidence threshold, outputting a first query statement to the target user through the second-layer controller; receiving the first response information of the target user to the first query statement, analyzing whether the first response information contains an intent correction signal, and updating the basic intent and the target service type corresponding to the basic intent if the response information contains an intent correction signal.

[0008] Optionally, after identifying the target parameters corresponding to the target service type in the dialogue information based on the target service type through the second-layer controller, and filling the preset parameter template corresponding to the target service type based on the target parameters to obtain the target parameter template, the method further includes: checking whether the necessary parameters in the target parameter template are complete; if the necessary parameters are missing in the target parameter template, outputting a second query statement to the target user through the second-layer controller; receiving the second response information of the target user to the second query statement, identifying the missing necessary parameters in the second response information, and filling the target parameter template based on the missing necessary parameters to obtain the filled target parameter template.

[0009] Optionally, determining multiple atomic transaction operations based on the target intent and executing each atomic transaction operation to execute the transaction request includes: determining the transaction process corresponding to the target intent; breaking down the transaction process into multiple atomic transaction operations; determining the risk level of each atomic transaction operation and the dependencies of each atomic transaction operation; determining the execution order of each atomic transaction operation based on the risk level of each atomic transaction operation and the dependencies of each atomic transaction operation; executing each atomic transaction operation sequentially according to the execution order, and determining that the transaction request has been successfully executed if each atomic transaction operation is successfully executed.

[0010] Optionally, executing each atomic transaction operation sequentially according to the execution order includes: if the risk level of the atomic transaction operation to be executed is greater than a preset risk level threshold, confirming with the target user whether to authorize the execution of the atomic transaction operation to be executed; if the target user confirms authorization to execute the atomic transaction operation to be executed, executing the atomic transaction operation to be executed; after executing the atomic transaction operation to be executed, displaying the operation result to the target user; if the target user approves the operation result, executing the next atomic transaction operation to be executed according to the execution order.

[0011] Optionally, before the second-layer controller identifies the target parameters corresponding to the target business type in the dialogue information based on the target business type, and fills the preset parameter template corresponding to the target business type with the target parameters to obtain the target parameter template, the method further includes: when the second-layer controller detects new dialogue information, identifying the new intent corresponding to the new dialogue information; calculating the semantic similarity between the new intent and the basic intent corresponding to the new dialogue information; and when the semantic similarity is lower than a preset similarity threshold, identifying the new basic intent of the target user and the business type of the new basic intent based on the new dialogue information through the first-layer controller.

[0012] To achieve the above objectives, according to another aspect of this application, a transaction request processing apparatus is provided. The apparatus includes: a receiving unit for receiving dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; a first identification unit for identifying the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information via a first-layer controller; a second identification unit for identifying target parameters corresponding to the target service type in the dialogue information based on the target service type via a second-layer controller, and filling a preset parameter template corresponding to the target service type with the target parameters to obtain a target parameter template; a first determining unit for determining the target user's target intent based on the basic intent and the target parameter template; and an execution unit for determining multiple atomic transaction operations based on the target intent and executing each atomic transaction operation to execute the target user's transaction request.

[0013] According to another aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored program, wherein, when the program is executed, a method for processing any transaction request is controlled by the device where the computer-readable storage medium is located.

[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 a processing method for executing any type of transaction request.

[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 a transaction request processing method of any of the above.

[0016] In this embodiment, by receiving dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; a first-layer controller identifies the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information; a second-layer controller identifies target parameters in the dialogue information corresponding to the target service type based on the target service type, and fills in a preset parameter template corresponding to the target service type based on the target parameters to obtain a target parameter template; the target user's target intent is determined based on the basic intent and the target parameter template; multiple atomic transaction operations are determined based on the target intent, and each atomic transaction operation is executed to execute the target user's transaction request. This solves the technical problem of low success rate in processing transaction requests due to the inability to accurately identify the user's intent. In this application, by identifying the basic intent and the target service type to which the basic intent belongs in the dialogue information by the first-layer controller, and constraining the second-layer controller to accurately extract target parameters and fill in the preset parameter template under the target service type to generate an accurate target intent, multiple atomic transaction operations are determined based on the target intent and each atomic transaction operation is executed, thereby achieving the technical effect of improving the success rate of processing transaction requests. 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 transaction request processing method is shown.

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

[0020] Figure 3 This is a schematic diagram of a transaction request processing apparatus provided according to an embodiment of this application;

[0021] Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0022] 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.

[0023] 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.

[0024] It should be noted that all relevant information (including at least one of the following: target user device information, target 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 target user or fully authorized by all parties. For example, if there is an interface between this system and the relevant target user or organization, before obtaining the relevant information, it is necessary to send an acquisition request to the aforementioned target user or organization through the interface, and obtain the relevant information after receiving the consent information from the aforementioned target user or organization.

[0025] Example 1

[0026] According to an embodiment of this application, a method embodiment for processing transaction requests 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.

[0027] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal (or mobile device) for implementing a transaction request processing method is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include 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.

[0028] 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).

[0029] 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 transaction request 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 implementing the aforementioned transaction request 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 at least one of the following: the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0030] 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.

[0031] The display can be, for example, a touchscreen liquid crystal display (LCD) that allows the target user to interact with the target user interface of the computer terminal 10 (or mobile device).

[0032] Under the aforementioned operating environment, this application provides the following: Figure 2 The method for processing transaction requests is shown. Figure 2 This is a flowchart of a transaction request processing method according to Embodiment 1 of this application.

[0033] Step S201: Receive dialogue information input by the target user, wherein the dialogue information includes at least one transaction request from the target user.

[0034] In this embodiment of the application, the dialogue information received is input by the target user with the authorization of the target user. Optionally, the dialogue information may include one or more transaction requests. The dialogue information may be information in natural language form output by the target user, and may be in the form of voice or text. It may contain colloquial expressions, ellipsis structures, and context-dependent statements, such as "transfer your salary to your mother" or "check my investment returns".

[0035] Step S202: The first-layer controller identifies the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information.

[0036] Optionally, the first-layer controller can be a lightweight intent classification module, which can identify the target user's basic intent and the corresponding target business type based on a rule engine or a lightweight neural network model. For example, if the target user enters the dialogue information "Transfer last month's salary to my mom, with the note 'living expenses'" in the chat interface, the first-layer controller will classify the intent of the dialogue information entered by the target user, determine that the target user's basic intent is to transfer money, and the target business type corresponding to the basic intent is transfer (system internal standardized code).

[0037] Step S203: Based on the target service type, the second-layer controller identifies the target parameters in the dialogue information that correspond to the target service type, and fills the preset parameter template corresponding to the target service type with the target parameters to obtain the target parameter template.

[0038] Optionally, the second-layer controller can be a refined intent understanding module built from a large language model or a structured semantic parser, possessing semantic reasoning and context dependency modeling capabilities. Target parameters can be parameters related to the target business type and are key parameters constituting a complete transaction instruction. For example, the target parameters in the preset parameter template corresponding to "transfer" are: amount, target, and remark.

[0039] Optionally, the second-layer controller can use the target service type output by the first layer as a constraint, performing preset template filling only within the defined scope of the target service type. Named entity recognition can be used to extract keywords from the dialogue information, and combined with contextual reasoning to omit information, the target parameters in the dialogue information can be identified. Furthermore, the validity of the parameters can be verified, and the extracted target parameters can be filled into a preset parameter template, outputting a structured target parameter template.

[0040] For example, if the target business type is "transfer," the second-level controller performs template population under this target business type. Based on the dialogue information "last month's salary," it retrieves the target user's historical transaction records and finds that last month's salary was 12,800 yuan, extracting the amount parameter as 12,800 yuan. Based on the dialogue information "my mother," it queries the target user's address book and finds a contact named "Zhang San," with the note "mother" and the last four digits of the account number "1892," identifying the target parameter as Zhang San. Based on the dialogue information "note living expenses," it determines the remark parameter as living expenses. The resulting target parameter template is: json{type:"transfer",amount:12800 yuan,target:"Zhang San",remark:"living expenses"}.

[0041] Step S204: Determine the target user's target intent based on the basic intent and target parameter template.

[0042] Optionally, the target intent can be obtained by semantically fusing the basic intent output by the first-level controller with the target parameter template output by the second-level controller. For example, based on the basic intent "transfer" and the target parameter template json{type:"transfer",amount:12800 yuan,target:"Zhang San",remark:"living expenses"}, the target intent is determined to be "Transfer RMB 12,800 to Zhang San, with the note: living expenses."

[0043] Step S205: Determine multiple atomic transaction operations based on the target intent, and execute each atomic transaction operation to fulfill the target user's transaction request.

[0044] Optionally, the transaction process corresponding to the target intent can be broken down into multiple atomic transaction operations. Each atomic transaction operation has independent invocation capabilities and supports rollback. By executing each atomic transaction operation to execute the target user's transaction request, it helps to improve the accuracy, security and efficiency of processing transaction requests.

[0045] For example, based on the target intent "transfer RMB 12,800 to Zhang San, with the note: living expenses," several atomic transaction operations are determined: 1. query_recipient (query the validity of the recipient's account), verifying whether "Zhang San" is a valid account and whether it is frozen; 2. check_balance (query the balance of the payment account), checking whether the account balance is ≥ RMB 12,800. The current balance is RMB 45,600, so the check passes; 3. validate_amount (verify whether the amount exceeds the single transaction limit). The single transaction limit is RMB 15,000, and RMB 12,800 passes the check; 4. auth_confirmation (pop-up confirmation box + SMS verification code), sending the target user "Confirm to transfer RMB 12,800 to Zhang San? Please reply with verification code: 687321"; 5. execute_transfer (transfer), if the verification code is entered correctly, the core system is called to complete the fund transfer; log_transaction (generate audit log), recording the time, amount, recipient, operator, etc.

[0046] The transaction request processing method provided in this application embodiment receives dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; a first-layer controller identifies the target user's basic intent and the target business type corresponding to the basic intent based on the dialogue information; a second-layer controller identifies target parameters in the dialogue information corresponding to the target business type based on the target business type, and fills a preset parameter template corresponding to the target business type with the target parameters to obtain a target parameter template; the target user's target intent is determined based on the basic intent and the target parameter template; multiple atomic transaction operations are determined based on the target intent, and each atomic transaction operation is executed to execute the target user's transaction request. This solves the technical problem of low success rate in processing transaction requests due to the inability to accurately identify the user's intent. In this application, by identifying the basic intent and the target business type to which the basic intent belongs in the dialogue information by the first-layer controller, and constraining the second-layer controller to accurately extract target parameters and fill a preset parameter template under the target business type to generate an accurate target intent, multiple atomic transaction operations are determined based on the target intent and each atomic transaction operation is executed, thereby achieving the technical effect of improving the success rate of processing transaction requests.

[0047] To improve the accuracy of identifying the basic intent of a target user, optionally, in the transaction request processing method provided in this application embodiment, identifying the basic intent of the target user and the target service type corresponding to the basic intent based on dialogue information by a first-layer controller includes:

[0048] The first step is to analyze the dialogue information through the first-level controller to determine at least one candidate intent, the probability of each candidate intent, and the business type of each candidate intent.

[0049] Optionally, the first-layer controller can output multiple candidate intents semantically related to the dialogue information based on a semantic matching or classification model, with each candidate intent representing a possible user transaction purpose. The first-layer controller can determine the probability of each candidate intent based on the degree of matching between each candidate intent and the current dialogue information, and can also determine the business type of each candidate intent.

[0050] For example, if the dialogue message is "Transfer last month's salary to my mom", the first-level controller analyzes and finds: the candidate intent is transfer, with a probability of 0.87 and a business type of transfer; the candidate intent is balance query, with a probability of 0.11 and a business type of balance_query; and the candidate intent is loan application, with a probability of 0.02 and a business type of loan_apply.

[0051] The second step is to determine the candidate intent with the highest probability among at least one candidate intent as the basic intent, and to determine the business type of the candidate intent with the highest probability among at least one candidate intent as the target business type.

[0052] Optionally, the first-level controller can sort the candidate intents according to their probability and select the candidate intent with the highest probability as the base intent.

[0053] For example, if the probabilities of the three candidate intentions are ranked, and 0.87 > 0.11 > 0.02, the basic intention is determined to be money transfer, and the target business type is determined to be transfer.

[0054] In summary, by following the steps described above, the first-level controller determines the basic intent based on the probability of each candidate intent and identifies the target business type. This improves the accuracy of identifying the basic intent, thereby enhancing the accuracy of processing transaction requests and improving the user experience.

[0055] To improve the accuracy of identifying the basic intent of the target user, optionally, in the transaction request processing method provided in this application embodiment, before identifying the target parameter in the dialogue information corresponding to the target service type based on the target service type by the second-layer controller, and filling the preset parameter template corresponding to the target service type based on the target parameter to obtain the target parameter template, the method further includes:

[0056] The first step is to determine the confidence level of the basic intent based on the probability of the basic intent.

[0057] Optionally, the confidence level of the basic intent can be output by the first-level controller. The confidence level can be used to determine whether further confirmation with the target user is needed. The confidence level of the basic intent can be equal to the probability of the basic intent.

[0058] For example, if the target user inputs "transfer that money to Lao Wang", the first-level controller determines that the target user's basic intent is to transfer money, with a confidence level of 0.68.

[0059] The second step is to determine whether the confidence level of the basic intent is lower than the preset confidence threshold. If the confidence level of the basic intent is lower than the preset confidence threshold, the first query statement is output to the target user through the second-level controller.

[0060] Optionally, the basic intent of the target user can be determined by comparing the confidence level of the basic intent with a preset confidence threshold. If the confidence level of the basic intent is lower than the preset confidence threshold, it means that the basic intent of the target user is not clear enough. The second-level controller can then generate a first query statement in natural language based on the context.

[0061] For example, if the confidence level of the basic intent is 0.68 and the preset confidence threshold is 0.7, and 0.68 < 0.7, the second-level controller will generate and output the first query statement: "When you say 'that money,' do you mean the salary that arrived last month, or the investment income from the week before last? Please confirm which one it is?"

[0062] The third step is to receive the first response information from the target user in response to the first query statement, analyze whether the first response information contains an intent correction signal, and update the basic intent and the target service type corresponding to the basic intent if the response information contains an intent correction signal.

[0063] Optionally, the intent correction signal can be semantic evidence in the first response information output by the target user that explicitly negates the original intent, corrects the semantics, or supplements key information, such as numerical supplementation ("5000 yuan"), negation words ("It's not Lao Wang, it's Lao Li"), and semantic redirection ("Never mind, I want to buy financial products").

[0064] For example, the first response information is "It is the salary paid last month, the amount is 12,800 yuan." Analyzing "the salary paid last month" shows that "that money" is "12,800 yuan". The basic intent is still a transfer, the target business type is still transfer, and the confidence level is reassessed to 0.93.

[0065] For example, if the first response message is "Forget it, don't transfer anymore, I want to buy wealth management products," the detection of "don't transfer anymore" and "buy wealth management products" indicates that an intent correction signal is present. The basic intent is updated to wealth management, the target business type is updated to investment_apply, the original transfer process is terminated, and the wealth management purchase process is initiated.

[0066] In summary, by taking the above steps and determining whether the confidence level of the basic intent is lower than a preset confidence threshold, if the confidence level of the basic intent is lower than the preset confidence threshold, it means that the target user's basic intent is unclear. The first query information is then sent to the target user, and the basic intent is further clarified by analyzing the first response information, thereby improving the accuracy of identifying the target user's basic intent.

[0067] To improve the success rate of processing transaction requests, optionally, in the transaction request processing method provided in this application embodiment, after the second-layer controller identifies the target parameters in the dialogue information corresponding to the target business type based on the target business type, and fills the preset parameter template corresponding to the target business type based on the target parameters to obtain the target parameter template, the method further includes:

[0068] The first step is to check whether the necessary parameters in the target parameter template are complete. If the necessary parameters are missing in the target parameter template, the second query statement is output to the target user through the second-level controller.

[0069] Optionally, the required parameters in the target parameter template refer to the structured fields necessary to complete a financial transaction; if any are missing, the transaction cannot be executed. The second query statement can be dynamically generated by the second-level controller to guide the target user to supplement the missing required parameters.

[0070] For example, if the target user inputs "Transfer money to my mom.", and the target parameter template is: json{type:"transfer",target:"Zhang San",amount:null,remark:null}, the system finds that the transfer recipient has been identified, but the transfer amount and remarks are missing. The transfer amount is a required parameter, so the system generates a second query: "How much money do you plan to transfer to Zhang San?".

[0071] The second step is to receive the second response information from the target user in response to the second query statement, identify the missing necessary parameters in the second response information, and fill the target parameter template based on the missing necessary parameters to obtain the filled target parameter template.

[0072] Optionally, the missing necessary parameter values ​​can be extracted from the second response information by using a natural language understanding module and contextual reasoning.

[0073] For example, if the target user replies "transfer 5000", the number "5000" is extracted, the unit "yuan" is matched, the necessary parameter of transfer amount of 5000 yuan is identified, and the target parameter template is filled in to obtain the filled target parameter template: json{Type:"transfer",target:"Zhang San",amount:"5000 yuan",remark:null}.

[0074] In summary, by following the steps above, when necessary parameters are missing from the target parameter template, the second-level controller outputs a second query statement to the target user, identifies the necessary parameters in the second response information, avoids transaction failure due to missing necessary parameters, and further improves the success rate of processing transaction requests.

[0075] To improve the efficiency of processing transaction requests, optionally, in the transaction request processing method provided in this application embodiment, determining multiple atomic transaction operations according to the target intent and executing each atomic transaction operation to execute the transaction request includes:

[0076] The first step is to determine the transaction process corresponding to the target intent.

[0077] Optionally, the corresponding standard process template can be found in the transaction process registry based on the type field (such as "transfer") in the target intent to obtain the transaction process corresponding to the target intent.

[0078] For example, if the target intent is "Transfer 12,800 yuan to Zhang San, with the note 'living expenses'," the preset process will be matched based on intent_type="transfer":

[0079] json["query_recipient","check_balance","validate_amount","auth_confirmation","execute_transfer","log_transaction"].

[0080] The second step is to break down the transaction process into multiple atomic transaction operations.

[0081] Optionally, each atomic transaction is an indivisible minimum functional unit, possessing independent execution capability, traceable state, and compensable rollback capability. Each step in the transaction process can be mapped to an atomic transaction.

[0082] Following the previous example, the resulting atomic transaction operations are: query_recipient, check_balance, validate_amount, auth_confirmation, execute_transfer, and log_transaction, which are querying the recipient, checking the balance, verifying the amount, authorizing confirmation, executing the transfer, and recording the transaction log.

[0083] The third step is to determine the risk level of each atomic transaction and the dependencies between each atomic transaction.

[0084] Optionally, the risk level of each atomic transaction can be determined based on its impact on fund security, data privacy, and system stability, and can be divided into low risk (read-only), medium risk (authentication required), and high risk (transactional). The dependencies between each atomic transaction can represent the execution order constraints between atomic transactions, and a directed acyclic graph can be constructed based on the dependencies between each atomic transaction.

[0085] For example, checking the payee's identity is low-risk and has no prerequisites, but all subsequent operations require its successful result as input; checking the balance is low-risk and must be done after obtaining valid payee information, otherwise it is impossible to determine whether the transfer to a legitimate account is legitimate; verifying the limit is low-risk and must be done after confirming the account balance before determining whether the amount is "exceeding the limit," if the balance is insufficient, there is no need to verify the limit rules again; obtaining authorization is medium-risk and authentication must be triggered after the amount is compliant; executing a transfer is high-risk and must be executed after the user completes authorization; logging is low-risk and must be recorded after the funds are transferred to ensure that the log content is consistent with the actual transaction.

[0086] The fourth step is to determine the execution order of each atomic transaction based on its risk level and dependencies.

[0087] Optionally, while satisfying the dependency relationship, the execution order of each atomic transaction operation can be determined by comprehensively considering risk control priority and user interaction experience.

[0088] For example, the original process sequence is: query payee → check balance → verify limit → obtain authorization → execute transfer → record log. After analysis, it was found that the execution sequence satisfies the dependency relationship and does not need to be adjusted.

[0089] The fifth step is to execute each atomic transaction operation in sequence according to the execution order. If each atomic transaction operation is executed successfully, the transaction request is determined to have been executed successfully.

[0090] For example, the process is as follows: query payee, account is valid, execution successful; check balance, balance 45,600 ≥ 12,800, execution successful; verify limit, not exceeded, execution successful; obtain authorization, user enters verification code 687321, execution successful; execute transfer, transfer function is called, "transaction successful", execution successful; log, written to audit database, execution successful.

[0091] In summary, by breaking down the transaction process corresponding to the target intent into multiple atomic transaction operations and executing each atomic transaction operation sequentially, the security and efficiency of the transaction process are improved.

[0092] To improve the security of the transaction processing flow, optionally, in the transaction request processing method provided in this application embodiment, each atomic transaction operation is executed sequentially according to the execution order, including:

[0093] The first step is to confirm with the target user whether they authorize the execution of the atomic transaction if the risk level of the atomic transaction to be executed is greater than the preset risk level threshold.

[0094] Optionally, before preparing to execute the next atomic transaction operation in the execution order, the preset risk level of the atomic transaction operation to be executed can be queried and compared with the preset risk level threshold. If the risk level of the atomic transaction operation to be executed is greater than the preset risk level threshold, the authorization confirmation process is triggered. If the risk level of the atomic transaction operation to be executed is less than or equal to the preset risk level threshold, it can be executed directly without confirmation.

[0095] For example, if the atomic transaction to be executed is a transfer with a high risk level and a preset risk level threshold of medium risk, then a confirmation statement will be output to the target user: "You are about to transfer 12,800 yuan to Zhang San. This fund will be transferred immediately and cannot be withdrawn. Please confirm whether to continue?"

[0096] The second step is to execute the atomic transaction operation if the target user confirms authorization to execute the atomic transaction operation to be executed.

[0097] Optionally, the target user can confirm authorization to execute the atomic transaction operation by clicking, speaking, or gesturing.

[0098] For example, if the target user clicks "Confirm," the transfer continues. If the user does not respond or clicks "Cancel," the process terminates, and the message "Transfer has been cancelled. Please initiate the process again to re-enter." appears.

[0099] The third step is to display the results to the target user after executing the atomic transaction to be executed. If the target user approves the results, the next atomic transaction to be executed is executed according to the execution order.

[0100] Optionally, after each atomic transaction is completed, regardless of success or failure, a result summary will be generated and displayed in the chat interface, such as, "Successfully transferred 12,800 yuan to Zhang San, transaction number: TX20250405-00001." Then, the system awaits feedback from the target user. If the target user approves, the next atomic transaction continues. If the target user does not approve, the process can be aborted, manual intervention triggered, or the process reset.

[0101] In summary, by following the steps outlined above, confirming with the target user's authorization before executing atomic transactions with a risk level exceeding a preset risk level threshold, and displaying the results to the target user after execution, and proceeding to the next atomic transaction only if the target user approves the results, the overall security of the transaction process can be improved.

[0102] To improve the flexibility of transaction processing, optionally, in the transaction request processing method provided in this application embodiment, before identifying the target parameter in the dialogue information corresponding to the target business type based on the target business type by the second-layer controller, and filling the preset parameter template corresponding to the target business type based on the target parameter to obtain the target parameter template, the method further includes:

[0103] The first step is to identify the new intent corresponding to the new dialogue information when the second-level controller detects new dialogue information.

[0104] Optionally, if the second-layer controller detects new dialogue information, it can promptly identify new intentions based on the current new dialogue information.

[0105] The second step is to calculate the semantic similarity between the new intent and the basic intent corresponding to the new dialogue information. If the semantic similarity is lower than the preset similarity threshold, the first-level controller identifies the target user's new basic intent and the business type of the new basic intent based on the new dialogue information.

[0106] Optionally, the semantic similarity between the new intent and the basic intent can be calculated using a semantic embedding model, or by calculating the cosine similarity of the two semantic vectors. If the semantic similarity between the two is lower than a preset similarity threshold, it indicates that the target user's intent has changed. The first-level controller can then identify the target user's new basic intent and the business type of the new basic intent based on the new dialogue information. If the semantic similarity between the two is greater than or equal to the preset similarity threshold, it indicates that the target intent has not changed or is a continuation of the original intent, and the transaction process can continue.

[0107] In summary, by following the steps above, the new intent corresponding to the new dialogue information is identified, and the semantic similarity between the new intent and the basic intent is compared with a preset similarity threshold. If the similarity is lower than the preset threshold, the new basic intent of the target user is identified, thereby improving the flexibility of the transaction processing flow.

[0108] 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.

[0109] Example 2

[0110] This application also provides a transaction request processing apparatus. It should be noted that the transaction request processing apparatus of this application can be used to execute the transaction request processing method provided in this application. The transaction request processing apparatus provided in this application will be described below.

[0111] According to embodiments of this application, an apparatus for implementing the above-described transaction request processing method is also provided, such as... Figure 3 As shown, the device includes: a receiving unit 301, a first identification unit 302, a second identification unit 303, a first determining unit 304, and an execution unit 305.

[0112] The receiving unit 301 is used to receive dialogue information input by the target user, wherein the dialogue information includes at least one transaction request from the target user;

[0113] The first identification unit 302 is used to identify the basic intent of the target user and the target service type corresponding to the basic intent based on the dialogue information through the first-layer controller;

[0114] The second identification unit 303 is used to identify the target parameters in the dialogue information corresponding to the target service type based on the target service type through the second layer controller, and fill the preset parameter template corresponding to the target service type based on the target parameters to obtain the target parameter template;

[0115] The first determining unit 304 is used to determine the target user's target intent based on the basic intent and the target parameter template;

[0116] The execution unit 305 is used to determine multiple atomic transaction operations according to the target intent, and execute each atomic transaction operation to execute the target user's transaction request.

[0117] The transaction request processing apparatus provided in this application embodiment receives dialogue information input by a target user through a receiving unit 301, wherein the dialogue information includes at least one transaction request from the target user; a first identification unit 302 identifies the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information through a first-layer controller; a second identification unit 303 identifies the target parameters corresponding to the target service type in the dialogue information based on the target service type through a second-layer controller, and fills the preset parameter template corresponding to the target service type based on the target parameters to obtain a target parameter template; a first determination unit 304 determines the target user's target intent based on the basic intent and the target parameter template; and an execution unit 305 determines multiple atomic transaction operations based on the target intent and executes each atomic transaction operation to execute the target user's transaction request. This solves the technical problem of low success rate in processing transaction requests due to the inability to accurately identify the user's intent, and achieves the technical effect of improving the success rate of processing transaction requests.

[0118] Optionally, in the transaction request processing apparatus provided in the embodiments of this application, the first identification unit 302 includes: an analysis module, configured to analyze dialogue information through a first-layer controller to determine at least one candidate intent, the probability of each candidate intent, and the service type of each candidate intent; and a first determination module, configured to determine the candidate intent with the highest probability among the at least one candidate intent as the basic intent, and determine the service type of the candidate intent with the highest probability among the at least one candidate intent as the target service type.

[0119] Optionally, in the transaction request processing apparatus provided in this application embodiment, the apparatus further includes: a second determining unit, configured to determine the confidence level of the basic intent based on the probability of the basic intent before identifying the target parameter in the dialogue information corresponding to the target service type based on the target service type through the second-layer controller, and filling the preset parameter template corresponding to the target service type based on the target parameter to obtain the target parameter template; a judging unit, configured to judge whether the confidence level of the basic intent is lower than a preset confidence threshold, and output a first query statement to the target user through the second-layer controller if the confidence level of the basic intent is lower than the preset confidence threshold; and an analysis unit, configured to receive the first response information of the target user in response to the first query statement, analyze whether the first response information contains an intent correction signal, and update the basic intent and the target service type corresponding to the basic intent if the response information contains an intent correction signal.

[0120] Optionally, in the transaction request processing apparatus provided in this application embodiment, the apparatus further includes: a checking unit, configured to, after identifying target parameters in the dialogue information corresponding to the target service type based on the target service type through a second-layer controller, and filling a preset parameter template corresponding to the target service type based on the target parameters to obtain a target parameter template, check whether the necessary parameters in the target parameter template are complete; if the necessary parameters are missing in the target parameter template, output a second query statement to the target user through the second-layer controller; and a filling unit, configured to receive the second response information of the target user in response to the second query statement, identify the missing necessary parameters in the second response information, and fill the target parameter template based on the missing necessary parameters to obtain a filled target parameter template.

[0121] Optionally, in the transaction request processing apparatus provided in this application embodiment, the execution unit 305 includes: a second determining module, used to determine the transaction process corresponding to the target intent; a splitting module, used to split the transaction process into multiple atomic transaction operations; a third determining module, used to determine the risk level of each atomic transaction operation and the dependency relationship of each atomic transaction operation; a fourth determining module, used to determine the execution order of each atomic transaction operation according to the risk level of each atomic transaction operation and the dependency relationship of each atomic transaction operation; and an execution module, used to execute each atomic transaction operation sequentially according to the execution order, and determine that the transaction request has been successfully executed if each atomic transaction operation is successfully executed.

[0122] Optionally, in the transaction request processing apparatus provided in this application embodiment, the execution module includes: a confirmation submodule, used to confirm with the target user whether to authorize the execution of the atomic transaction operation to be executed if the risk level of the atomic transaction operation to be executed is greater than a preset risk level threshold; a first execution submodule, used to execute the atomic transaction operation to be executed if the target user confirms authorization to execute the atomic transaction operation to be executed; and a second execution submodule, used to display the operation result to the target user after executing the atomic transaction operation to be executed, and, if the target user approves the operation result, execute the next atomic transaction operation to be executed according to the execution order.

[0123] Optionally, in the transaction request processing apparatus provided in this application embodiment, the apparatus further includes: a third identification unit, configured to identify a new intent corresponding to the new dialogue information when the second-layer controller detects new dialogue information before identifying the target parameter in the dialogue information corresponding to the target business type based on the target business type by the second-layer controller, and filling the preset parameter template corresponding to the target business type based on the target parameter to obtain the target parameter template; and a calculation unit, configured to calculate the semantic similarity between the new intent and the basic intent corresponding to the new dialogue information, and if the semantic similarity is lower than a preset similarity threshold, identify the new basic intent of the target user and the business type of the new basic intent based on the new dialogue information by the first-layer controller.

[0124] It should be noted that the receiving unit 301, the first identification unit 302, the second identification unit 303, the first determining unit 304, and the execution unit 305 correspond to steps S201 to S205 in Embodiment 1. The five units and the 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.

[0125] Example 3

[0126] 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.

[0127] Optionally, in this embodiment, the computer terminal may be located in at least one of a plurality of network devices in a computer network.

[0128] In this embodiment, the computer terminal described above can execute the following steps of the transaction request processing method: receiving dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; identifying the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information through a first-layer controller; identifying the target parameters corresponding to the target service type in the dialogue information based on the target service type through a second-layer controller, and filling a preset parameter template corresponding to the target service type based on the target parameters to obtain a target parameter template; determining the target user's target intent based on the basic intent and the target parameter template; determining multiple atomic transaction operations based on the target intent, and executing each atomic transaction operation to execute the target user's transaction request.

[0129] Optionally, the computer terminal can execute the program code for the following steps in the transaction request processing method: Identifying the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information through the first-level controller includes: analyzing the dialogue information through the first-level controller to determine at least one candidate intent, the probability of each candidate intent, and the service type of each candidate intent; determining the candidate intent with the highest probability among the at least one candidate intent as the basic intent, and determining the service type of the candidate intent with the highest probability among the at least one candidate intent as the target service type.

[0130] Optionally, the computer terminal can execute the following steps of the transaction request processing method: before identifying the target parameter corresponding to the target service type in the dialogue information based on the target service type through the second-layer controller, and filling the preset parameter template corresponding to the target service type based on the target parameter to obtain the target parameter template, the method further includes: determining the confidence level of the basic intent based on the probability of the basic intent; determining whether the confidence level of the basic intent is lower than a preset confidence threshold; if the confidence level of the basic intent is lower than the preset confidence threshold, outputting a first query statement to the target user through the second-layer controller; receiving the first response information of the target user to the first query statement, analyzing whether the first response information contains an intent correction signal, and updating the basic intent and the target service type corresponding to the basic intent if the response information contains an intent correction signal.

[0131] Optionally, the computer terminal described above can execute the following steps of the transaction request processing method: After identifying the target parameters corresponding to the target business type in the dialogue information based on the target business type through the second-layer controller, and filling the preset parameter template corresponding to the target business type based on the target parameters to obtain the target parameter template, the method further includes: checking whether the necessary parameters in the target parameter template are complete; if the necessary parameters are missing in the target parameter template, outputting a second query statement to the target user through the second-layer controller; receiving the second response information of the target user to the second query statement, identifying the missing necessary parameters in the second response information, and filling the target parameter template based on the missing necessary parameters to obtain the filled target parameter template.

[0132] Optionally, the computer terminal described above can execute the program code for the following steps in the transaction request processing method: determining multiple atomic transaction operations based on the target intent and executing each atomic transaction operation to execute the transaction request, including: determining the transaction process corresponding to the target intent; breaking down the transaction process into multiple atomic transaction operations; determining the risk level of each atomic transaction operation and the dependencies of each atomic transaction operation; determining the execution order of each atomic transaction operation based on the risk level of each atomic transaction operation and the dependencies of each atomic transaction operation; executing each atomic transaction operation sequentially according to the execution order, and determining that the transaction request has been successfully executed if each atomic transaction operation is successfully executed.

[0133] Optionally, the computer terminal can execute the following steps in the transaction request processing method: executing each atomic transaction operation sequentially according to the execution order includes: if the risk level of the atomic transaction operation to be executed is greater than a preset risk level threshold, confirming with the target user whether to authorize the execution of the atomic transaction operation to be executed; if the target user confirms authorization to execute the atomic transaction operation to be executed, executing the atomic transaction operation to be executed; after executing the atomic transaction operation to be executed, displaying the operation result to the target user; if the target user approves the operation result, executing the next atomic transaction operation to be executed according to the execution order.

[0134] Optionally, the computer terminal can execute the following steps in the transaction request processing method: before the second-layer controller identifies the target parameters in the dialogue information corresponding to the target business type based on the target business type, and fills the preset parameter template corresponding to the target business type based on the target parameters to obtain the target parameter template, the method further includes: when the second-layer controller detects new dialogue information, identifying the new intent corresponding to the new dialogue information; calculating the semantic similarity between the new intent and the basic intent corresponding to the new dialogue information; and when the semantic similarity is lower than a preset similarity threshold, identifying the new basic intent of the target user and the business type of the new basic intent based on the new dialogue information through the first-layer controller.

[0135] Optionally, Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 (Only one is shown) processor 402, memory 404, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0136] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the transaction request processing method and apparatus in this embodiment. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the aforementioned transaction request 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 such networks include at least one of the following: the Internet, corporate intranet, local area network, mobile communication network, and combinations thereof.

[0137] The processor can invoke the information and application program stored in the memory through the transmission device to execute the steps described above in the transaction request processing method.

[0138] This application provides a solution for processing transaction requests. By receiving dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; a first-layer controller identifies the target user's basic intent and the corresponding target service type based on the dialogue information; a second-layer controller identifies target parameters corresponding to the target service type in the dialogue information based on the target service type, and fills a preset parameter template corresponding to the target service type with these target parameters to obtain a target parameter template; the target user's target intent is determined based on the basic intent and the target parameter template; multiple atomic transaction operations are determined based on the target intent, and each atomic transaction operation is executed to execute the target user's transaction request. This solution solves the technical problem of low success rate in processing transaction requests due to the inability to accurately identify the user's intent, thus achieving a higher success rate in processing transaction requests.

[0139] Those skilled in the art will understand that Figure 4 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 4 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 4 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 4 The different configurations shown.

[0140] 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.

[0141] Example 4

[0142] 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 transaction request processing method provided in Embodiment 1.

[0143] 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.

[0144] This application also provides a computer program product, which, when executed on a data processing device, is adapted to perform the processing method steps of a transaction request.

[0145] 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.

[0146] 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.

[0147] 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 coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection of units or modules may be electrical or other forms.

[0148] 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.

[0149] 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.

[0150] 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.

[0151] 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 processing transaction requests, characterized in that, include: Receive dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; The first-layer controller identifies the target user's basic intent and the target service type corresponding to the basic intent based on the dialogue information. The second-layer controller identifies the target parameters in the dialogue information corresponding to the target service type based on the target service type, and fills the preset parameter template corresponding to the target service type with the target parameters to obtain the target parameter template; The target user's target intent is determined based on the basic intent and the target parameter template; Based on the stated target intent, multiple atomic transaction operations are determined, and each atomic transaction operation is executed to fulfill the target user's transaction request.

2. The method according to claim 1, characterized in that, The first-level controller identifies the target user's basic intent and the corresponding target service type based on the dialogue information, including: The first-layer controller analyzes the dialogue information to determine at least one candidate intent, the probability of each candidate intent, and the business type of each candidate intent. The candidate intent with the highest probability among the at least one candidate intents is determined as the basic intent, and the service type of the candidate intent with the highest probability among the at least one candidate intents is determined as the target service type.

3. The method according to claim 2, characterized in that, Before the second-layer controller identifies the target parameters in the dialogue information corresponding to the target service type based on the target service type, and fills the preset parameter template corresponding to the target service type with the target parameters to obtain the target parameter template, the method further includes: The confidence level of the basic intent is determined based on the probability of the basic intent; Determine whether the confidence level of the basic intent is lower than a preset confidence threshold. If the confidence level of the basic intent is lower than the preset confidence threshold, output a first query statement to the target user through the second-layer controller. Receive the first response information from the target user in response to the first query statement, analyze whether the first response information contains an intent correction signal, and if the response information contains the intent correction signal, update the basic intent and the target service type corresponding to the basic intent.

4. The method according to claim 1, characterized in that, After the second-layer controller identifies the target parameters in the dialogue information corresponding to the target service type based on the target service type, and fills the preset parameter template corresponding to the target service type with the target parameters to obtain the target parameter template, the method further includes: Check whether the necessary parameters in the target parameter template are complete. If the necessary parameters are missing in the target parameter template, output a second query statement to the target user through the second-level controller. Receive the second response information from the target user in response to the second query statement, identify the missing necessary parameters in the second response information, and fill the target parameter template based on the missing necessary parameters to obtain the filled target parameter template.

5. The method according to claim 1, characterized in that, Determining multiple atomic transaction operations based on the stated target intent, and executing each atomic transaction operation to fulfill the transaction request, includes: Determine the transaction process corresponding to the stated target intent; The transaction process is broken down into multiple atomic transaction operations; Determine the risk level of each atomic transaction and the dependencies between each atomic transaction; The execution order of each atomic transaction is determined based on its risk level and dependencies. Each atomic transaction operation is executed sequentially according to the execution order. If each atomic transaction operation is executed successfully, the transaction request is determined to have been executed successfully.

6. The method according to claim 5, characterized in that, Each atomic transaction operation is executed sequentially according to the execution order, including: If the risk level of the atomic transaction to be executed is greater than a preset risk level threshold, the target user is contacted to confirm whether they authorize the execution of the atomic transaction to be executed. If the target user confirms authorization to execute the atomic transaction to be executed, the atomic transaction to be executed shall be executed. After executing the atomic transaction to be executed, the operation result is displayed to the target user. If the target user approves the operation result, the next atomic transaction to be executed is executed according to the execution order.

7. The method according to claim 1, characterized in that, Before the second-layer controller identifies the target parameters in the dialogue information corresponding to the target service type based on the target service type, and fills the preset parameter template corresponding to the target service type with the target parameters to obtain the target parameter template, the method further includes: When the second-layer controller detects new dialogue information, it identifies the new intent corresponding to the new dialogue information; Calculate the semantic similarity between the new intent corresponding to the new dialogue information and the basic intent. If the semantic similarity is lower than a preset similarity threshold, the first-layer controller identifies the new basic intent of the target user and the service type of the new basic intent based on the new dialogue information.

8. A transaction request processing apparatus, characterized in that, include: A receiving unit is configured to receive dialogue information input by a target user, wherein the dialogue information includes at least one transaction request from the target user; The first identification unit is used to identify the basic intent of the target user and the target service type corresponding to the basic intent based on the dialogue information through the first-layer controller; The second identification unit is used to identify the target parameters in the dialogue information corresponding to the target service type based on the target service type by the second layer controller, and fill the preset parameter template corresponding to the target service type based on the target parameters to obtain the target parameter template; The first determining unit is configured to determine the target user's target intent based on the basic intent and the target parameter template; An execution unit is configured to determine multiple atomic transaction operations based on the target intent, and execute each atomic transaction operation to fulfill the target user's transaction request.

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 on which the computer-readable storage medium is located to perform the transaction request 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, when running, executes the transaction request processing method according to any one of claims 1 to 7.

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 transaction request processing method according to any one of claims 1 to 7.

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