Device for providing bank application to call taxi and recommend banking service and method thereof

Abstract

An apparatus and method for providing a ride-hailing service through a banking application and recommending banking services, wherein the banking application running on the client transmits ride-hailing information including the origin and destination locations to the banking server, the banking server analyzes the banking services related to the destination location and generates service recommendation messages corresponding to those banking services, and the client outputs service recommendation messages to the banking customer, thereby achieving the technical effect of effectively providing users with banking service information related to the destination of the ride-hailing service.

Description

Technical Field

[0001] A device and method for recommending banking services, particularly a device and method for providing a banking application for hailing a ride and recommending banking services. Prior Technology

[0002] With the development of the internet and the advancement of technology, many services can be conducted online. For example, ride-hailing services, which used to be done by phone, are now available through mobile applications offered by car rental companies and taxi companies. Users can conveniently book vehicles to reach their destinations through these mobile applications, thus effectively saving waiting time and making it convenient for users to travel between locations.

[0003] Users typically use ride-hailing services for specific purposes, such as going to work, visiting friends, dining, shopping, traveling, or conducting business. After arriving at their destination, the trip may generate banking-related needs, such as exchanging foreign currency at the airport or adjusting credit card limits for large transactions at a shopping mall.

[0004] However, currently, ride-hailing services are not linked to banking services. In other words, even if the ride-hailing service knows that the user is going to conduct banking business, it will not provide the user with any information related to banking business. As a result, the user may only find upon arrival at the destination that the relevant forms for conducting banking business have not been completed, or that the necessary documents or seals for conducting banking business have not been brought, causing the user to spend extra time and money.

[0005] In summary, it is clear that previous technologies have long suffered from a lack of information exchange between ride-hailing services and banking services, resulting in the inability to provide effective reminders. Therefore, it is necessary to propose improved technical means to solve this problem. Summary of the Invention

[0006] In view of the problem that prior art lacks information exchange between ride-hailing services and banking services, the present invention discloses an apparatus and method for providing ride-hailing services via a banking application and recommending banking services, wherein:

[0007] The device disclosed in this invention, which provides a ride-hailing service and recommends banking services through a banking application, includes at least: a data transmission module for receiving ride-hailing information obtained by the banking application via voice or text, the ride-hailing information including the origin and destination locations; a destination analysis module for analyzing the location type of the destination and determining the banking services related to the location type; and a service recommendation module for generating service recommendation messages corresponding to the banking services. The data transmission module further transmits the service recommendation messages to the client, enabling the client to output the service recommendation messages via voice or text.

[0008] The method disclosed in this invention for providing a bank application for hailing a ride and recommending bank services includes at least the following steps: the client executes the bank application, which obtains ride-hailing information via voice or text and transmits the ride-hailing information to the bank server, the ride-hailing information including the origin and destination locations; the bank server parses the location type of the destination location and determines the banking services related to the location type; the bank server generates service recommendation messages corresponding to the banking services; the bank server transmits the service recommendation messages to the client, and the client outputs the service recommendation messages via voice or text.

[0009] The apparatus and method disclosed in this invention are as described above. The difference between this invention and the prior art is that the present invention transmits ride-hailing information containing the origin and destination locations to the bank server through the bank application executed by the client. The bank server analyzes the banking business related to the destination location and generates service recommendation information corresponding to the banking business. The client outputs the service recommendation information to the bank customer, thereby solving the problems existing in the prior art and achieving the technical effect of effectively providing relevant prompts to the user. Simple Explanation of the Diagram

[0010] Figure 1 is a schematic diagram of the components of the computing device proposed in this invention. Figure 2 is a system architecture diagram of the system proposed in this invention that provides a ride-hailing service through a banking application and recommends banking services. Figure 3A is a flowchart of the method proposed in this invention for providing a ride-hailing service through a bank application and recommending bank services. Figure 3B is a flowchart of the additional method proposed in this invention for providing a bank application for hailing a ride and recommending bank services. Implementation

[0011] The features and implementation methods of the present invention will be described in detail below with reference to the accompanying drawings and embodiments. The content is sufficient to enable anyone skilled in the art to easily and fully understand the technical means used by the present invention to solve the technical problem and to implement it accordingly, thereby achieving the effects that the present invention can achieve.

[0012] This invention allows a bank customer to proactively provide relevant banking information via text or voice when the bank's app calls a taxi and the destination may require banking services. This information enables the customer to choose whether to conduct the relevant banking transactions.

[0013] This invention can be implemented by multiple devices, each of which can be a computing device. The computing device of this invention includes, but is not limited to, one or more processing modules, one or more memory modules, and buses connecting different hardware components (including memory modules and processing modules). Through the included multiple hardware components, the computing device can load and execute an operating system, allowing the operating system to run on the computing device, and can also execute software or programs. The computing device also includes a housing, within which the aforementioned hardware components are disposed.

[0014] The bus of the computing device proposed in this invention may include one or more types, such as data bus, address bus, control bus, expansion bus, and / or local bus. The bus of the computing device includes, but is not limited to, Industry Standard Architecture (ISA) buses, Peripheral Component Interconnect (PCI) buses, Video Electronics Standards Association (VESA) local buses, and serial Universal Serial Bus (USB), PCI Express (PCI-E / PCIe) buses, etc.

[0015] The processing module of the computing device proposed in this invention is coupled to a bus. The processing module includes a register set or register space, which may be entirely located on the processing chip of the processing module, or wholly or partially located outside the processing chip and coupled to the processing chip via dedicated electrical connections and / or via a bus. The processing module may be a central processing unit, a microprocessor, or any suitable processing element. If the computing device is a multiprocessor device, that is, the computing device contains multiple processing modules, then the processing modules contained in the computing device are identical or similar and are coupled and communicate via a bus. In some embodiments, the processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying / moving data, etc., thereby driving other hardware components in the computing device or running an operating system or executing various programs and / or modules. Computer instructions can be assembly language instructions, instruction set architecture instructions, machine instructions, machine-dependent instructions, microinstructions, firmware instructions, or source code or object code written in any combination of one or more programming languages. Computer instructions can be executed entirely on a single computing device, partially on a single computing device, or partially on one computing device and partially on another connected computing device. The aforementioned programming languages ​​include object-oriented programming languages ​​such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, etc., and conventional procedural programming languages ​​such as C or other similar programming languages.

[0016] Computing devices typically include one or more chipsets. The processing modules of the computing device can be coupled to or electrically connected to the chipset via buses. A chipset consists of one or more integrated circuits (ICs), including memory controllers and peripheral input / output (I / O) controllers. That is, the memory controller and I / O controller can be contained within a single IC or implemented using two or more ICs. Chipsets typically provide I / O and memory management functions, as well as multiple general-purpose and / or dedicated registers, timers, etc., which can be accessed or used by one or more processing modules coupled or electrically connected to the chipset. In some embodiments, the chipset may also be part of the processing module.

[0017] The processing module of a computing device can also access data in the memory modules and mass storage areas installed on the computing device through the memory controller. The aforementioned memory modules include any type of volatile memory and / or non-volatile memory (NVRAM), such as Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Read-Only Memory (ROM), and Flash memory. The aforementioned mass storage areas can contain any type of storage device or storage media, such as hard drives, optical discs, flash drives, memory cards, solid-state drives (SSDs), or any other storage devices. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drives, and solid-state drives.

[0018] The processing module of a computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and various data or signal receiving devices via a peripheral input / output controller and a peripheral input / output bus. Peripheral input devices can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc., and peripheral output devices can be any type of output device, such as a monitor, printer, etc. Peripheral input devices and peripheral output devices can also be the same device, such as a touch screen. The communication interface can include wireless and / or wired communication interfaces. Wireless communication interfaces can include interfaces supporting wireless local area networks (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G / 4G / 5G mobile communication networks (cellular networks), or other wireless data transmission protocols. Wired communication interfaces can be Ethernet devices, DSL modems, cable modems, asynchronous transfer mode (ATM) devices, or fiber optic communication interfaces and / or components. Data or signal receiving devices can include GPS receivers or physiological signal receivers. Physiological signals received by the physiological signal receiver include, but are not limited to, heart rate and blood oxygenation. The processing module can periodically poll various peripheral devices and interfaces, enabling the computing device to input and output data through these peripheral devices and interfaces, and also to communicate with another computing device that has the hardware components described above.

[0019] The following description uses the schematic diagram of the computing device of the present invention in Figure 1 to illustrate various devices for implementing the present invention. As shown in Figure 1, the various devices 100 implementing the present invention include a memory 110, a communication interface 130, a storage medium 140, a processor 170, and a bus 190. In some devices, a positioning module 120 and / or an input / output unit 150 may also be included. The processor 170 can be connected to the memory 110, the positioning module 120, the communication interface 130, the storage medium 140, and the input / output unit 150 through the bus 190.

[0020] Memory 110 can store one or more sets of computer instructions, and the computer instructions stored in different devices are usually different.

[0021] The positioning module 120 can obtain the location information of the device 100. The location information mentioned in this invention may be the location information obtained through the Global Positioning System (GPS), but this invention is not limited thereto.

[0022] The communication interface 130 can connect to network storage devices or servers (not shown) outside the device 100 and request and download data from the connected network devices.

[0023] Storage medium 140 can store data or signals downloaded by communication interface 130, data or signals provided to processor 170 or required for processor 170 to operate, and data or signals generated by processor 170.

[0024] The input / output unit 150 can input data through peripheral input devices such as the keyboard or mouse of the device 100, and the input data is usually provided to the processor 170 for use; the input / output unit 150 can also output data generated by the processor 170 through peripheral output devices such as the display of the device 100.

[0025] The processor 170 can execute computer instructions stored in the memory 110, and can execute one or more corresponding software modules. The processor 170 may also include one or more hardware modules capable of performing specific tasks, each hardware module being generated by one or more circuits and / or complete or partial hardware components such as chips. That is to say, the processor 170 may include one or more modules, and each module included in the processor 170 may be a software module or a hardware module; the present invention is not particularly limited.

[0026] The following continues to describe the system proposed in this invention using the system architecture diagram of the bank application for hailing a car and recommending bank services in Figure 2. The system of this invention includes devices such as client 210 and bank server 250, and may also include devices such as dispatch server 230 and dispatch vehicle 240.

[0027] The client 210 can connect to the bank server 250 via wired or wireless means and exchange data or signals with the bank server 250; at the same time, the client 210 also has positioning function, that is, the client 210 includes a positioning module 120. For example, the client 210 can be a mobile device such as a smartphone or PDA, but the present invention is not limited thereto.

[0028] Client 210 can also download and run banking application 211. Banking application 211 can provide a user interface to the user of client 210, allowing the user to perform operations on the user interface to perform one or more banking functions provided by online banking or mobile banking, and also to perform online ride-hailing functions.

[0029] When providing online ride-hailing functionality, the bank application 211 allows users to input ride-hailing information through the input / output unit of the client 210 in the user interface provided by the bank application 211, and can transmit the input ride-hailing information to the bank server 150. In this invention, the ride-hailing information includes the starting point and destination location, but this invention is not limited thereto. For example, in some embodiments, the ride-hailing information may also include the reservation time. It should be noted that the bank application 211 can obtain the location information of the client 210 through the positioning module of the client 210, and can use the location information of the client 210 as the starting point location. The bank application 211 can also display map information on the client 210 through the input / output unit of the client 210 and provide the option to select the starting point and / or destination location on the map information. Alternatively, the bank application 211 can also provide the input address or landmark to set the starting point and destination location through the input / output unit of the client 210, but the way the bank application 211 outputs ride-hailing information is not limited to the above.

[0030] The banking application 211 can provide ride-hailing information through voice or text input. When the ride-hailing information is a voice signal input through voice input, the banking application 211 can use speech-to-text technology to convert the ride-hailing information into text data corresponding to the voice message, and can transmit the converted text data as ride-hailing information to the bank server 250.

[0031] The banking application 211 can also receive service recommendation messages transmitted by the banking server 250, and can output the received service recommendation messages through voice playback or text display. When the ride-hailing information is entered via voice, the banking application 211 can display the service recommendation messages using text, or it can use text-to-speech technology to convert the service recommendation messages into corresponding voice signals, and can play the voice signals to output the service recommendation messages.

[0032] The dispatch server 230 can be connected to the dispatch vehicle 240 and the bank server 250. Generally, the dispatch server 230 is a server set up in the dispatch unit / organization / fleet / company, but the present invention is not limited thereto.

[0033] The dispatch server 230 can receive ride-hailing information transmitted by the bank server 250, generate dispatch messages based on the received ride-hailing information, and transmit the generated dispatch messages to the dispatch vehicle 240, so that the dispatch vehicle 240 can accept the dispatch work corresponding to the ride-hailing information transmitted by the bank server 250. The dispatch server 230 can transmit dispatch messages to one or more candidate vehicles. When the dispatch server 230 transmits dispatch messages to multiple candidate vehicles, the dispatch server 230 can select one of the candidate vehicles as the dispatch vehicle 240 to accept the dispatch work based on the acceptance messages returned by the candidate vehicles. For example, the dispatch server 230 can select the candidate vehicle as the dispatch vehicle 240 based on one or more conditions such as the order in which the candidate vehicle returned the acceptance messages or the length of time since the candidate vehicle last accepted a dispatch work. However, the present invention is not limited to this.

[0034] The dispatch server 230 can also obtain the arrival time of the dispatched vehicle 240 to the destination location in the received ride-hailing information based on the scheduled route of the dispatched vehicle 240, and can transmit the obtained arrival time to the bank server 250. It should be noted that the dispatch server 230 can plan the scheduled route of the dispatched vehicle 240 based on the current location returned by the dispatched vehicle 240 and the origin and destination locations in the ride-hailing information, and generate relevant information of the scheduled route, such as the passenger's pick-up time and / or arrival time, and can obtain the arrival time of the dispatched vehicle 240 to the destination location from the generated relevant information of the scheduled route; the dispatch server 230 can also receive the relevant information of the scheduled route planned by the dispatched vehicle 240 based on the current location, origin location and destination location, and extract the arrival time from the received relevant information of the scheduled route; the dispatch server 230 can also directly receive the arrival time transmitted by the dispatched vehicle 240.

[0035] The dispatch vehicle 240 can be connected to the dispatch server 230. Generally, the dispatch vehicle 240 can connect to the dispatch server 230 through a computing device installed inside the dispatch vehicle 240, such as a smartphone or tablet running vehicle dispatch software. However, this invention is not limited to this; for example, the dispatch vehicle 240 can also connect to the dispatch server 230 through an onboard computer. In other words, the dispatch vehicle 240 typically connects and exchanges data or signals with the dispatch server 230 through the device running the vehicle dispatch software within the dispatch vehicle 240 or through the onboard computer.

[0036] The dispatch vehicle 240 can receive dispatch messages transmitted by the dispatch server 230, drive to the starting point location in the dispatch message to pick up passengers, and drive to the destination location in the dispatch message. In some embodiments, the dispatch vehicle 240 can also plan a predetermined route based on the starting point and destination locations contained in the received dispatch message and the current location of the dispatch vehicle 240, and can also transmit the planned predetermined route and related information to the dispatch server 230, or can display the planned predetermined route to the user.

[0037] The bank server 250 can connect to the client 210, the dispatch server 230, and the branch service host 270. Generally, the bank server 250 is located inside the bank, but the present invention is not limited thereto.

[0038] The bank server 250 may include a data transmission module 251, a ride-hailing processing module 253, a destination analysis module 255, a service recommendation module 257, and may also include an attachable demand execution module 259.

[0039] The data transmission module 251 can connect to the vehicle dispatch server 230 and the branch service host 270 through the communication interface of the bank server 250, so as to exchange data or signals.

[0040] More specifically, the data transmission module 251 is responsible for receiving ride-hailing information transmitted by the bank application 211 through the communication interface of the bank server 250, and also for transmitting service recommendation messages generated by the service recommendation module 257 to the client 210 through the communication interface of the bank server 250; the data transmission module 251 can also receive service application messages transmitted by the bank application 211 through the communication interface of the bank server 250, and can transmit the application processing results generated by the request execution module 259 to the client 210 through the communication interface of the bank server 250; the data transmission module 251 can also connect to other servers (such as the bank's internal credit card transaction server or customer data server) through the communication interface of the bank server 250 to obtain the customer's historical card swiping records (also referred to as customer card swiping records in this invention) and / or the customer's preference data stored in the bank or other systems within the bank (also referred to as customer preference data in this invention).

[0041] The ride-hailing processing module 253 can transmit the ride-hailing information received by the data transmission module 251 to the dispatch server 230 through the communication interface of the bank server 250, and can also receive the arrival time returned by the dispatch server 230 through the communication interface of the bank server 250.

[0042] The destination analysis module 255 is responsible for parsing the location type of the destination in the ride-hailing information received by the data transmission module 251. For example, when the destination is represented by GPS coordinates or an address, the destination analysis module 255 can integrate map services to obtain the location type. For instance, the destination analysis module 255 can use the application programming interface (API) provided by the map service to provide the destination location to the map service and receive the location information and / or type label of the destination returned by the map service. The map service can be provided by a third party or be a server installed within a bank; this invention has no particular limitations. When the destination is the name or description of a location or landmark, the destination analysis module 255 can also use semantic analysis in natural language processing technology to analyze the destination to obtain the location type. In addition, the destination analysis module 255 can also look up the location type of the destination from a pre-established POI (Points of Interest) database based on the destination. The location types mentioned in this invention include, but are not limited to, airports, shopping malls, hotels, restaurants, factories, residences, office buildings, etc.

[0043] The purpose analysis module 255 is also responsible for determining banking transactions related to the parsed location type. Generally, the purpose analysis module 255 can use predetermined judgment rules or a pre-established trained location recognition model to determine banking transactions related to the location type. For example, when the location type is an airport, related banking transactions may include foreign exchange and credit card limit increases; when the location type is a shopping mall, related banking transactions may include credit card limit increases, installment payment applications, and credit card discount registration; when the location type is a hotel or restaurant, related banking transactions may include credit card discount registration. However, the purpose analysis module 255's method of determining banking transactions is not limited to the above. Specifically, the location type, merchant information, holiday information, and label values ​​for all banking transactions (a label value of 1 for permissible banking transactions and 0 for inaccessible transactions) can be provided to the location recognition model to train it.

[0044] Service recommendation module 257 is responsible for generating service recommendation messages corresponding to the banking services identified by purpose analysis module 255. Generally, service recommendation module 257 can add the name and / or content and / or related information of the banking service to a predetermined format to generate service recommendation messages. However, this invention is not limited to this. For example, service recommendation module 257 can also use natural language generation technology or large language models (LLM) to generate service recommendation messages recommending the use of banking services. The related information varies depending on the banking service. For example, when the banking service is foreign currency exchange, the related information may include the required documents and / or exchange rates for various foreign currencies; similarly, when the banking service is a credit limit increase, the related information may include the required application materials and links to the application form. However, the related information provided in this invention is not limited to these limitations.

[0045] The service recommendation module 257 can also obtain customer card swipe records and / or customer preference data through the data transmission module 251, and analyze the obtained customer card swipe records and / or customer preference data to generate service recommendation messages based on the analysis results. For example, it can analyze customer card swipe records based on consumption amount, consumption frequency, consumption time distribution, and consumption type preference to determine whether the customer has conducted banking business at similar times and locations.

[0046] In some embodiments, the service recommendation module 257 can also determine the response deadline based on the arrival time of the banking service determined by the purpose analysis module 255 and the arrival time received by the ride-hailing processing module 253, thereby generating a service recommendation message containing the response deadline when the service recommendation message is generated. The response deadline proposed in this invention represents the last time that the client 210 can respond to the service recommendation message. For example, the service recommendation module 257 can read the processing preparation time of the banking service determined by the purpose analysis module 255 from a pre-established service preparation schedule containing the processing preparation time of various banking services, and determine the processing preparation time before the arrival time as the response deadline. For example, if the processing preparation time of a certain banking service is one hour, then the response deadline is one hour before the arrival time.

[0047] The demand execution module 259 can determine the final notification time based on the banking transaction determined by the purpose analysis module 255 and the arrival time received by the ride-hailing processing module 253. The final notification time proposed in this invention is the last time the demand execution module 259 responds to the client 210. Similarly, the service recommendation module 257 can read the waiting time of the banking transaction determined by the purpose analysis module 255 from a pre-established waiting schedule containing various banking transactions, and determine the waiting time before the arrival time as the final notification time.

[0048] The demand execution module 259 can generate the application processing result before the final notification time. The application processing result generated by the demand execution module 259 corresponds to the service application message received by the data transmission module 251, and the service application message corresponds to the service recommendation message generated by the service recommendation module 257, which is responded to by the client 210. In other words, when the demand execution module 259 receives the banking service indicated by the service recommendation message from the client 210, the demand execution module 259 can generate the application processing result for the banking service that the client 210 wants to apply for.

[0049] For example, the demand execution module 259 can use Machine Process Automation (RPA) technology to automatically complete some preparatory work. For instance, it can generate an application form for banking services and send it to the banking application 211 for completion via the data transmission module 251, or it can send a message reserving service resources to the service host of the banking service that the client 210 wants to apply for via the data transmission module 251. The demand execution module 259 can also send the service application message sent by the banking application 211 to the service host of the banking application 211 via the data transmission module 251, so that the service host can execute the banking service applied for by the banking application 211. The demand execution module 259 can also transmit the service application message sent by the banking application 211 to the branch service host 270, which is closest to the destination location or the bank branch specified by the banking application 211, through the data transmission module 251. This allows the branch service host 270 to notify the bank staff of the branch to process the banking business that the banking application 211 wishes to apply for. The demand execution module 259 can also receive the processing status returned by the branch service host 270 through the data transmission module 251, and can generate the application processing result based on the received processing status at regular intervals and transmit the generated application processing result to the banking application 211 through the data transmission module 251.

[0050] The demand execution module 259 can also use a large language model (LLM) to generate interactive messages with the banking application 211 for the banking services requested by the banking application 211, and obtain the detailed processing requirements of the user on the client 210 through the interactive messages. In some embodiments, the interactive messages generated by the demand execution module 259 can also allow the banking application 211 to perform identity verification, for example, requesting the banking application 211 to return the OTP sent to the client 210 and / or requesting the banking application 211 to return the biometric information of the user on the client 210, but the present invention is not limited thereto.

[0051] The system operation and method of the present invention will be explained next with an embodiment, and please refer to "Figure 3A" for the flowchart of the method of providing a bank application for hailing a car and recommending bank services.

[0052] When a user of client 210 wishes to use this invention to hail a ride, they can operate client 210 to execute the banking application 211. After being executed by client 210, the banking application 211 obtains ride-hailing information including the starting location and destination location and transmits the ride-hailing information to the bank server 250 (step 301). In this embodiment, it is assumed that the banking application 211 can obtain the starting location through the positioning module of client 210 and provide a user interface for the user of client 210 to set the destination location via voice or text.

[0053] After the data transmission module 251 of the bank server 250 receives the ride-hailing information transmitted by the banking application 211 of the client 210, the destination analysis module 255 of the bank server 250 can parse the location type of the destination and determine the banking transactions related to the parsed location type (step 310). In this embodiment, assuming the location type of the destination is an airport, the destination analysis module 255 can determine that the related banking transactions are foreign exchange and credit card limit increase.

[0054] After the destination analysis module 255 of the bank server 250 determines the banking transaction, the service recommendation module 257 of the bank server 250 can generate a service recommendation message corresponding to the banking transaction determined by the destination analysis module 255. The data transmission module 251 of the bank server 250 can then transmit the service recommendation message generated by the service recommendation module 257 to the client 210 (step 330). In this embodiment, it is assumed that the service recommendation module 257 can generate a service recommendation message such as "Our bank provides foreign currency exchange services at the airport. You can exchange US dollars, euros, Japanese yen, Australian dollars, RMB, etc." at our service counter on the east side of the second floor of the airport.

[0055] After receiving the service recommendation message transmitted by the bank server 250, the banking application 211 of the client 210 can output the received service recommendation message through text or voice (step 350).

[0056] Thus, through this invention, when a bank customer uses a banking application to call a ride, the system can determine the banking service needs that the destination may require and proactively provide the bank customer with relevant information.

[0057] In the above embodiments, as shown in the flowchart of "Figure 3B", after the bank application 211 of the client 210 sends the ride-hailing information to the bank server 250 (step 301), the ride-hailing processing module 253 of the bank server 250 can transmit the ride-hailing information received by the data transmission module 251 of the bank server 250 to the dispatch server 230 and can receive the arrival time of the dispatched vehicle 240 at the destination location transmitted back by the dispatch server 230. Specifically, it is assumed that the dispatch server 230 can generate a dispatch message based on the received ride-hailing information and can transmit the generated dispatch message to the dispatched vehicle 240 (step 321). The dispatch server 230 can also obtain the arrival time of the dispatched vehicle 240 at the destination location based on the predetermined driving route of the dispatched vehicle 240 and transmit the arrival time to the bank server 250 (step 325).

[0058] After the destination analysis module 255 of the bank server 250 analyzes the banking transaction related to the destination location (step 310), and the ride-hailing processing module 253 of the bank server 250 receives the arrival time transmitted by the dispatch server 230 (step 325), the service recommendation module 257 of the bank server 250 can determine the response deadline and final notification time based on the banking transaction generated by the destination analysis module 255 and the arrival time received by the ride-hailing processing module 253 (step 335), and can generate a service recommendation message containing the response deadline (step 337). Specifically, it is assumed that the service recommendation module 257 can read the service processing time corresponding to the banking transaction from a pre-established service processing schedule, and determine the response deadline and final notification time based on the read service processing time.

[0059] After receiving the service recommendation message transmitted by the bank server 250 and outputting the received service recommendation message via text or voice (step 350), the bank application 211 on the client 210 can provide the bank customer using the client 210 with the option of whether to apply for the service in the service recommendation message. If not, the bank application 211 can end the execution of this invention; if yes, the bank application 211 can generate a service application message corresponding to the service recommendation message (step 361).

[0060] After the data transmission module 251 of the bank server 250 receives the service request message sent by the bank application 211 of the client 210, the demand execution module 259 of the bank server 250 can execute the corresponding service request operation according to the service request message received by the data transmission module 251, and can generate the application processing result of the service request message received by the data transmission module 251 before the final notification time generated by the service recommendation module 257, so that the data transmission module 251 can send the application processing result generated by the demand execution module 259 back to the client 210 before the final notification time (step 365).

[0061] In summary, the difference between this invention and prior art lies in the technical means by which the banking application executed by the client transmits ride-hailing information containing the origin and destination locations to the bank server. The bank server then analyzes the banking services related to the destination location and generates service recommendation messages corresponding to those services. This allows the client to output the service recommendation messages to the bank customer. This technical means can solve the problem of no information exchange between ride-hailing services and banking services in prior art, thereby achieving the technical effect of effectively providing users with relevant prompts.

[0062] Furthermore, the method of providing a bank application for hailing a ride and recommending bank services can be implemented in hardware, software, or a combination of hardware and software. It can also be implemented in a centralized manner in a computer system or in a decentralized manner with different components distributed among several interconnected computer systems.

[0063] While the embodiments disclosed in this invention are as described above, the content is not intended to directly limit the scope of patent protection for this invention. Any modifications or refinements made in form and detail to the implementation of this invention by those skilled in the art, without departing from the spirit and scope disclosed herein, shall fall within the scope of patent protection for this invention. The scope of patent protection for this invention shall still be determined by the claims outlined in the appended patent applications.

[0064] 100: Device 110: Memory 120: Positioning Module 130: Communication Interface 140: Storage Media 150: Input / Output Unit 170: Processor 190: Busbar 210: Client 211: Banking Applications 230: Dispatch Server 240: Dispatch vehicles 250: Bank Server 251: Data transmission module 253: Ride-hailing processing module 255: Objective Analysis Module 257: Service Recommendation Module 259: Requirement Execution Module 270: Branch Service Host Step 301: The bank application executed by the client obtains the ride-hailing information and transmits it to the bank server. Step 310: The bank server parses the location type of the destination location and determines the banking transactions related to that location type. Step 321: The bank server sends the ride-hailing information to the dispatch server. The dispatch server generates and sends dispatch information to the dispatched vehicle based on the ride-hailing information. Step 325: The dispatch server obtains the arrival time of the dispatched vehicle at the destination location based on the vehicle's predetermined route and transmits the arrival time to the bank server. Step 330: The bank server generates a service recommendation message corresponding to the banking business and sends the service recommendation message to the client. Step 335: The bank server determines the response deadline and final notification time based on the banking transaction and arrival time. Step 337: The bank server generates a service recommendation message that includes the response deadline. Step 350: The client outputs a service recommendation message via voice or text. Step 361: The bank server receives the service application message from the client that corresponds to the service recommendation message. Step 365: The bank server generates the application processing result for the service application message before the final notification time and transmits the application processing result to the client.

Claims

1. A method for providing a ride-hailing service and recommending banking services through a banking application, the method comprising at least the following steps: A client executes a banking application, which obtains ride-hailing information via voice or text and transmits the ride-hailing information to a banking server, the ride-hailing information including a starting location and a destination location; The banking server parses a location type of the destination location and determines a banking service related to the location type; The banking server obtains a customer's credit card transaction record and / or customer preference information; The banking server uses natural language processing technology to generate a service recommendation message corresponding to the banking service based on the customer's credit card transaction record and / or customer preference information; and The banking server transmits the service recommendation message to the client, the client outputting the service recommendation message via voice or text.

2. The method for providing a ride-hailing service and recommending banking services through a banking application as described in claim 1, wherein the method further includes the step of the banking server transmitting the ride-hailing information to a dispatch server and receiving an arrival time of a dispatched vehicle at the destination location transmitted back by the dispatch server, and the step of the banking server generating a service recommendation message corresponding to the banking service being that the banking server determines a response deadline based on the banking service and the arrival time and generates the service recommendation message including the response deadline.

3. The method for providing a ride-hailing service and recommending banking services through a banking application as described in claim 1, wherein the method further includes the steps of the banking server transmitting the ride-hailing information to a dispatch server and receiving an arrival time of a dispatched vehicle at the destination location transmitted back by the dispatch server, the banking server receiving a service request message corresponding to the service recommendation message transmitted by the client, determining a final notification time based on the banking service and the arrival time, and generating an application processing result corresponding to the service request message before the final notification time and transmitting the application processing result to the client.

4. The method for providing a bank application to hail a ride and recommend bank services as described in Request 3, wherein the step of the bank server receiving the service request message corresponding to the service recommendation message transmitted by the client further includes the step of the bank server using a large language model to interact with the client for the banking business in order to obtain detailed processing requirements.

5. The method for providing a bank application to hail a ride and recommend bank services as described in claim 3, wherein the steps for the bank server to generate the application processing result corresponding to the service application message are: using machine process automation technology to complete some preparatory work, transmitting the service application message to the branch service host of the bank branch closest to the destination or the bank branch specified by the bank application, receiving a processing status returned by the branch service host, and generating the application processing result based on the processing status.

6. An apparatus for providing a banking application for hailing a ride and recommending banking services, providing a connection to a banking application executed by a client, the apparatus comprising at least: a data transmission module for receiving ride-hailing information obtained by the banking application via voice or text, the ride-hailing information including a starting location and a destination location; a destination analysis module for analyzing a location type of the destination location and determining a banking service related to the location type; and a service recommendation module for obtaining a customer's credit card swipe record and / or customer preference data, and generating a service recommendation message corresponding to the banking service based on the customer's credit card swipe record and / or customer preference data using natural language processing technology, the data transmission module further being used to transmit the service recommendation message to the client, enabling the client to output the service recommendation message via voice or text.

7. The device for providing a ride-hailing service and recommending banking services through a banking application as described in claim 6, wherein the device further includes a ride-hailing processing module for transmitting the ride-hailing information to a dispatch server and receiving an arrival time of a dispatched vehicle at the destination location from the dispatch server, and the service recommendation module for determining a response deadline based on the banking service and the arrival time and generating a service recommendation message including the response deadline.

8. The device for providing a ride-hailing service and recommending banking services via a banking application as described in claim 6, wherein the device further includes a ride-hailing processing module and a demand execution module, used to transmit the ride-hailing information to a dispatch server and receive an arrival time of a dispatched vehicle at the destination location transmitted by the dispatch server; the demand execution module is used to determine a final notification time based on the banking service and the arrival time, and to generate a request processing result corresponding to a service request message received by the data transmission module before the final notification time; the data transmission module is further used to transmit the request processing result to the client, wherein... The service request message is sent by the client and corresponds to the service recommendation message.

9. The device that provides a ride-hailing service and recommends banking services through a banking application as described in claim 8, wherein the request execution module is further used to interact with the client using a large language model to obtain detailed processing requirements for the banking service.

10. The device for providing a ride-hailing service and recommending banking services through a banking application as described in claim 8, wherein the request execution module uses machine process automation technology to complete some preparatory work, transmits the service request message to the branch service host of the bank branch closest to the destination or the bank branch specified by the banking application, receives a processing status returned by the branch service host, and generates the request processing result based on the processing status.

Images