WO2022121215A1

WO2022121215A1 - Service information processing method and related device

Info

Publication number: WO2022121215A1
Application number: PCT/CN2021/090211
Authority: WO
Inventors: 徐筱莉
Original assignee: 平安科技（深圳）有限公司
Priority date: 2020-12-09
Filing date: 2021-04-27
Publication date: 2022-06-16
Also published as: CN112529074B; CN112529074A

Abstract

Embodiments of the present application relate to the field of financial technology, and disclose a service information processing method and a related device. The method comprises: obtaining service information and personal information of each service user in a plurality of service users; performing first-level classification on the plurality of service users according to the service information, and adding a first-level classification label to each service user in a first service user set obtained by the first-level classification; performing second-level classification on each service user in the first service user set according to the personal information of each service user in the first service user set, and adding a second-level classification label to each service user in a second service user set obtained by the second-level classification; determining service strategies according to the classification labels; and sending service prompt information to a terminal of each service user according to the service strategy corresponding to each service user. Such a method can improve the pertinence of the service strategies and the effect of service management. The present application relates to blockchain technology, and the information may be stored in a blockchain.

Description

A business information processing method and related equipment

This application claims the priority of the Chinese patent application filed on December 9, 2020 with the application number 202011431555.3 and the title of the invention is "a business information processing method and related equipment", the entire contents of which are incorporated herein by reference Applying.

technical field

The present application relates to the field of financial technology, and in particular, to a business information processing method, apparatus, device, and storage medium.

Background technique

With the development and improvement of the financial system, financial products are also increasingly abundant. Taking financial business as an example, for business institutions, the ability to collect business payments on schedule is related to the development of the institution itself. For business users, whether or not to repay on time is also related to the user's own credit. Although being able to repay on time is so important to business institutions and business users, the problem of overdue repayment or delayed repayment is still widely stored. Therefore, for users who have a repayment plan, or users who have overdue, it is necessary to remind them at an appropriate time to prevent users from forgetting to repay or overdue repayment, resulting in additional losses such as increased personal interest and affected credit information.

At present, for service users who generate a large number of services, a single, fixed telephone voice broadcast is generally used to prompt service users to process services on time. However, the inventor realizes that this kind of business processing method is less targeted and less intelligent in the solution determination process because a differentiated business processing method is not adopted according to the characteristics of the business users. Therefore, a good prompting effect cannot be achieved, and it is difficult to achieve business management goals.

SUMMARY OF THE INVENTION

The embodiments of the present application provide a business information processing method and related equipment, which can determine corresponding business strategies for multiple business users, improve the pertinence and intelligence of business strategies, and improve business management effects.

In a first aspect, an embodiment of the present application provides a service information processing method, and the method includes:

Obtain business information and personal information of each business user among multiple business users;

Perform primary classification on the plurality of service users according to the service information of each service user, obtain a first service user set of the primary category, and add a primary level to each service user in the first service user set classification label;

Perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set to obtain a second service user set of the secondary category, which is the Add a secondary classification label to each service user in the second service user set;

Determine a service policy corresponding to each service user according to the primary classification label and the secondary classification label, where the service strategy includes service prompt information;

The service prompt information is sent to the terminal corresponding to each service user according to the service policy corresponding to each service user, and the service prompt information is used to prompt each service user to perform the operation corresponding to the service prompt information. business operations.

In a second aspect, an embodiment of the present application provides a service information processing apparatus, and the apparatus includes:

a processing unit, used for acquiring business information and personal information of each business user among the multiple business users;

The processing unit is further configured to perform primary classification on the plurality of service users according to the service information of each service user, and obtain a first service user set of the primary category, which is the first service user set. Add a first-level classification label to each business user in

The processing unit is further configured to perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain a second class of the second service user. a set of business users, and add a secondary classification label to each business user in the second set of business users;

The processing unit is further configured to determine, according to the primary classification label and the secondary classification label, a service policy corresponding to each service user, where the service policy includes service prompt information;

A communication unit, configured to send the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user, where the service prompt information is used to prompt the each service user to execute the The business operation corresponding to the business prompt information is described.

In a third aspect, embodiments of the present application provide an electronic device, including a processor, a memory, a communication interface, and one or more programs, wherein the one or more programs are stored in the memory and configured to be processed by the above-mentioned processing implements the following methods:

Correspondingly, the embodiments of the present application provide a computer-readable storage medium for storing a computer program for electronic data exchange, wherein when the computer program is executed, the computer executes the following method:

The embodiment of the present application can improve the scientific and intelligent degree of the business strategy formulation process, and improve the pertinence of the business strategy, thereby improving the business management effect.

Description of drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings without any creative effort.

1 is a schematic structural diagram of a service information processing system provided by an embodiment of the present application;

FIG. 2 is a schematic flowchart of a service information processing method provided by an embodiment of the present application;

3 is a schematic flowchart of another service information processing method provided by an embodiment of the present application;

4 is a schematic diagram of functional units of a service information processing apparatus provided by an embodiment of the present application;

FIG. 5 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative work, all belong to the protection scope of the present application.

The terms "first", "second" and the like in the description and claims of the present application and the above drawings are used to distinguish different objects, rather than to describe a specific order. 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 device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes unlisted steps or units, or optionally also includes For other steps or units inherent to these processes, methods, products or devices.

Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor a separate or alternative embodiment that is mutually exclusive of other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

The technical solution of the present application may involve artificial intelligence technology, and may be applied to fields such as financial technology, for example, it may be specifically applied to scenarios such as business management, so as to improve the effect of business management and promote the construction of a smart city. Optionally, the data involved in this application, such as business information, personal information, etc., may be stored in a database, or may be stored in a blockchain, such as distributed storage through a blockchain, which is not limited in this application.

At present, for business users who generate services, a single, fixed telephone is generally used for reminding voice broadcast solutions. However, by adopting this business processing method, since a differentiated business processing method is not adopted according to the characteristics of users, the pertinence is weak, and the degree of intelligence of the solution determination process is low. Therefore, a good prompting effect cannot be achieved, and it is more difficult to achieve a good business management goal.

In view of the above problems, an embodiment of the present application provides a service information processing method, which is applied to a service information processing apparatus. The service information processing device may be a built-in device of the electronic device, or may be an external device of the electronic device. The detailed description is given below in conjunction with the accompanying drawings.

First, please refer to the schematic structural diagram of the service information processing system 100 shown in FIG. 1 , which includes a service information processing apparatus 110 and a service terminal 120 .

The above-mentioned business information processing device can be an internal device or an external device of an electronic device, and the above-mentioned electronic device can be a server, such as a distributed storage server, a traditional server, a large-scale storage system, a desktop computer, a notebook computer, a tablet computer, a handheld computer. , smartphones, portable digital players, smart watches, and smart bracelets. The above-mentioned service terminal 120 includes, but is not limited to, a device with a communication function, a smart phone, a tablet computer, a notebook computer, a desktop computer, a portable digital player, a smart bracelet, a smart watch, and the like.

The service information processing device acquires the service information and personal information of each service user among the plurality of service users, and performs primary classification on the plurality of service users according to the service information of each service user, and obtains the first class of the primary category. a set of service users, and add a first-level classification label to each service user in the first set of service users; according to the personal information of each service user in the set of first service users Perform secondary classification on each service user in the second service user set to obtain a second service user set of the secondary category, and add a secondary classification label to each service user in the second service user set. Further, the service information processing device determines a service policy corresponding to each service user according to the primary classification label and the secondary classification label, and the service policy includes service prompt information; The corresponding service policy sends the service prompt information to the terminal corresponding to each service user (that is, the service terminal), and the service prompt information is used to prompt each service user to execute the service corresponding to the service prompt information. operate.

The technical solutions of the embodiments of the present application may be specifically implemented based on the service information processing system with the structure shown in FIG. 1 or a modified structure thereof.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a business information processing method provided by an embodiment of the present application. This method may include, but is not limited to, the following steps:

201. Acquire service information and personal information of each service user among the multiple service users.

Specifically, business users need to submit business information and personal information when handling business on the business platform. Personal information can also be provided by users when they register on the business platform. It can be understood that there are multiple business users handling business. The business can be the same or different. Businesses include lending business, insurance business and other multi-field and multi-type businesses that need to send business prompt information to business users. The service information and personal information of each service user in the plurality of service users may be stored in the service information processing device, or may be stored in a distributed storage device. The business information processing apparatus can obtain business information and personal information of each business user through an application programming interface (Application Programming Interface, API). Wherein, the business information includes any one or more of business amount, business processing information, user qualification, and credit level, and the business processing information is the existing business processing record of the corresponding business user for the business.

202. Perform primary classification on the multiple service users according to the service information of each service user, obtain a first service user set of the primary category, and add the first service user set for each service user in the first service user set. Primary classification labels.

Specifically, the service information processing device can perform a first-level classification of multiple service users according to the service information of each service user, which can be based on any one of the service amount, service processing information, user qualification, and credit level included in the service information. One or more first-level classifications are performed to obtain the first set of service users of the first-level category. It can be understood that there may be multiple first service user sets of the first-level category, and the service users in each first service user set are service users of the same first-level category. Further, a first-level classification label may be added to each service user in the first service user set.

203. Perform secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set, and obtain a second service user set of the secondary category, which is A secondary classification label is added to each service user in the second service user set.

Specifically, after the service information processing apparatus performs primary classification on the plurality of service users according to the service information of each service user, and obtains the first service user set of the primary classification, further, for each first service user The business users in the business user set, that is, the business users with the same first-level classification label, can perform a second-level classification on each business user in the first business user set according to the personal information of each business user to obtain a second-level category The second service user set of the second service user set is added, and a secondary classification label is added to each service user in the second service user set. Among them, the personal information includes the gender, age and occupation of the service user. That is, the service users in the same first service user set can also be classified according to their gender, age and occupation to obtain a second service user set of the secondary category.

204. Determine, according to the primary classification label and the secondary classification label, a service policy corresponding to each service user, where the service policy includes service prompt information.

Specifically, after obtaining the primary classification label and the secondary classification label of each service user, the service information processing device can determine the service policy corresponding to each service user according to the primary classification label and the secondary classification label, The service policy includes service prompt information. It can also be understood that the service policies determined for service users with different primary classification labels and different secondary classification labels are also different, and the service prompt information sent is also different.

205. Send the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user, where the service prompt information is used to prompt the each service user to perform the operation related to the service prompt. The business operation corresponding to the information.

Specifically, the service information processing apparatus may send the service prompt information to the terminal corresponding to each service user according to the determined service policy. For example, when the service processing time included in the service policy is reached, the service prompt information is sent to the terminal corresponding to the service user according to the service processing mode included in the service policy. The service prompt information may be voice service prompt information, short message service prompt information, or the prompt information may be presented in the form of a subtitle pop-up window or a voice pop-up window on the service platform. The service prompt information is used to prompt each service user to perform a business operation corresponding to the service prompt information, such as repayment according to the repayment method included in the business prompt information, and insurance premium payment method included in the business prompt information. Payment of fees, or renewal of insurance in accordance with the renewal method included in the business prompt information, etc.

It can be seen that, in the embodiment of the present application, the service information processing apparatus performs primary classification according to the service information of multiple service users, and obtains the first service user set of the primary category. Further, according to the personal information of each service user in the first service user set, a secondary classification is performed on each service user in the first service user set to obtain a second service user set of secondary categories. Multi-level classification is carried out according to the diversified information of business users, and different labels are added according to different categories. This makes the classification more scientific, and the business users obtained from the classification are more homogeneous. Further, the business strategy corresponding to each business user is determined according to the first-level classification label and the second-level classification label, so as to improve the scientific and intelligent degree of the business strategy formulation process, and improve the pertinence of the business strategy, so as to improve the accuracy of the business strategy. This enhances business management effectiveness.

Consistent with the embodiment shown in FIG. 2 above, please refer to FIG. 3. FIG. 3 is a schematic flowchart of another business information processing method provided by an embodiment of the present application. This method is applied to a business information processing apparatus, and this method can be used. Including but not limited to the following steps:

301. Acquire service information and personal information of each service user among the multiple service users.

302. Determine the service processing capability of each service user according to any one or more of the service amount, service processing information, user qualification, and credit level included in the service information of each service user.

Specifically, the business information includes any one or more of business amount, business processing information, user qualification, and credit level. For each service user, the service information processing apparatus may determine the user qualification and credit level corresponding to each service user according to the service history of each service user. For business users without business records, the credit level can be determined as the initial credit level, such as level 10, or level 1 (the credit level increases from 1 to 10), or the credit level is not included in the business information, as the first-level classification. one of the standards. The business amount and business processing information can be obtained from the business registration information. User qualification can be determined according to the market value of the mortgaged assets when the business user handles the business.

Further, the service information processing apparatus may determine the service processing capability of the corresponding service user according to any one or more of the service information. For example, according to the above criteria, the credit rating range of 8-10 is listed as the best business processing capability; the credit rating range of 5-7 is listed as the second-best business processing capability; the credit rating range is 1-4 , listed as the worst business processing capability. Alternatively, if the user qualification is greater than or equal to the first threshold, it is listed as the best service processing capability; if the user qualification is less than the first threshold and greater than or equal to the second threshold, it is listed as the second best service processing capability; if the user qualification is less than the second threshold and greater than or equal to If it is equal to the third threshold, it is listed as the worst service processing capability. Wherein, the first threshold>the second threshold>the third threshold. Similarly, the service processing capability of each service user may also be determined according to the service amount, service processing information, or a plurality of comprehensive service information.

303. Perform a first-level classification on each service user according to the service processing capability of each service user, obtain the first service user set, and add a service user to each service user in the first service user set. The first-level classification label; wherein, the first-level classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.

Specifically, after obtaining the service processing capability of the corresponding service user according to the service information of the service user, the service information processing apparatus can perform a first-level classification for each service user according to the service processing capability of each service user, and obtain the first A set of service users, and a first-class classification label is added to each service user in the first set of service users; wherein, the first-class classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability. ability. It can be understood that there may be multiple first service user sets, and the service users in each first service user set have the same first-level classification label, and the first-level classification label may be the optimal service processing capability, or the sub-optimal service processing capability. capability, or the worst business processing capability.

304. Perform secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set, and obtain a second service user set of the secondary category, which is A secondary classification label is added to each service user in the second service user set.

305. Determine, according to the primary classification label and the secondary classification label, a service policy corresponding to each service user, where the service policy includes service prompt information.

306. Send the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user, where the service prompt information is used to prompt the each service user to perform the operation related to the service prompt. The business operation corresponding to the information.

For step 301, refer to the above-mentioned step 201, and for the steps 304-306, refer to the above-mentioned steps 203-205. It is not repeated here.

It can be seen that the service information processing apparatus determines the service processing capability of each service user according to the service information of the multiple service users, and performs primary classification according to the service processing capability of each service user to obtain a first service user set of primary categories. Further, secondary classification is performed on each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain a second service user set of secondary categories. Multi-level classification is carried out according to the diversified information of business users, and different labels are added according to different categories. This makes the classification more scientific, and the business users obtained from the classification are more homogeneous. Further, the business strategy corresponding to each business user is determined according to the first-level classification label and the second-level classification label, so as to improve the scientific and intelligent degree of the business strategy formulation process, and improve the pertinence of the business strategy, so as to improve the accuracy of the business strategy. This enhances business management effectiveness.

In a possible embodiment, the personal information includes the gender, age and occupation of the business user; the first business user set according to the personal information of each business user in the first business user set Each service user in the secondary classification is performed to obtain a second service user set of secondary categories, including: determining the age of each service user according to the gender and age of each service user in the first service user set. Gender tag, the age and gender tags include one or more of young male/female, middle-aged male/female, and old male/female; determine the Occupational tags of each business user, the occupational tags include fixed professionals and/or freelancers; combining the age and gender tags of each business user with the occupational tags into a secondary level of each business user Classification labels, the secondary classification labels include young male fixed occupations, middle-aged male fixed occupations, elderly male fixed occupations, young male freelancers, middle-aged male freelancers, and elderly male freelancers, youth One or more of female fixed professional, middle-aged female fixed professional, elderly female fixed professional, young female freelancer, middle-aged female freelancer, and elderly female freelancer.

Specifically, the personal information includes the gender, age and occupation of the business user. In order to improve the homogeneity of each category of service users, the service information processing apparatus may determine the age and gender labels of each service user according to the gender and age of each service user in the first service user set, and the age and gender labels include young males/females. , one or more of middle-aged male/female, and elderly male/female. It can be understood that business users with the same age and gender tags may have some common preferences, and according to these common preferences, the same or similar business strategies can be formulated for them. Alternatively, the components contained in the business strategy are the same or similar. For example, business processing is the same.

In addition, an occupational label of each business user is determined according to the occupation of each business user in the first business user set, and the occupational label includes a fixed professional and/or a freelancer. It can be understood that business users with the same occupational label also have some homogeneity. Based on these homogeneities, the same or similar business strategies can be developed for them. Alternatively, the components contained in the business strategy are the same or similar. For example, the business processing cycle is the same.

Further, the age and gender labels and occupation labels of each business user are combined into a secondary classification label for each business user. The secondary classification labels include young male fixed occupations, middle-aged male fixed occupations, and old male fixed occupations. freelancers, young male freelancers, middle-aged male freelancers, and older male freelancers, young female fixed jobs, middle-aged female fixed jobs, older female fixed jobs, young female freelancers, middle-aged females One or more of freelancers, older female freelancers.

It can be seen that the secondary classification is performed according to the personal information of the service user, and the second service user set of the secondary category is obtained. The homogeneity of the service users in the same second service user set can be improved, so that the service policies determined for the same second service user set are more targeted, thereby improving the service management effect.

In a possible embodiment, the service policy includes service processing cycle, service processing time, service processing method, and service prompt information; The service policy corresponding to each service user includes: determining the service processing period and service prompt information corresponding to each service user according to the primary classification label; Corresponding business processing time and business processing method.

Specifically, the service strategy includes a service processing period, a service processing time, a service processing method, and service prompt information. The service information processing apparatus can determine the service processing period and service prompt information corresponding to each service user according to the first-level classification label, that is, the service processing capability of the service user. For example, a service user with better service processing capability has a longer service processing period, and the service processing period may be 1 month, that is, service prompt information is sent to the service user every 1 month. The service processing period may also be 2 months, that is, service prompt information and the like are sent to service users every 2 months. The service prompt information is only the short message service prompt information or the voice service prompt information. The service processing cycle of the service user with the worst service processing capability is shorter, which may be sending service prompt information to the service user once a week, or sending service prompt information to the service user once a day. The service prompt information is only the short message service prompt information plus the voice service prompt information.

In addition, the service processing time and service processing mode corresponding to each service user are determined according to the secondary classification label. For business users whose business is a lending business, for example, for a young male permanent professional with a secondary classification label, the business processing time can be non-working days, holidays, or non-working time periods in working days. The business processing method can provide voice prompts for sweet and beautiful voices: "Hello, Mr. XX, there is still one month before the repayment time. Please grasp the time and do not overdue!" Or, for the secondary classification label, the elderly male free For professionals, the business processing time can be a working time period during working days or holidays, etc. The business processing method can provide voice prompts for the gentle female voice: "Hello, Mr. XX, there is still one week left to repay the loan. Overdue payment will not only affect personal credit, but also generate additional costs. Please don't overdue!"

It can be seen that the service processing period and service prompt information corresponding to each service user are determined according to the primary classification label. Improve the service processing cycle and service prompt information to avoid overdue repayment due to untimely repayment due to too long service processing cycle for service users with the worst service processing capability, or too simple service prompt information. At the same time, it is also avoided that the service processing cycle of the service users with the optimal service processing capability is too short and the frequency is too high, which causes the service users of this type to refuse to receive service prompt information, which affects the overall service management effect. Determining the business processing time and business processing method corresponding to each business user according to the secondary classification label, so as to improve the probability that the business user successfully receives the business prompt information, and effectively obtain the feedback of the business user for the business prompt information. information, and ultimately improve the overall business management effect.

In a possible embodiment, the determining the service processing cycle and service prompt information corresponding to each service user according to the primary classification label includes: determining that the primary classification label is the optimal service The first service processing period and the short message service prompt information corresponding to the service user with processing capability; if no service processing information is detected within the first preset time, the short message service prompt information will be sent when the next first service processing period arrives Adjust to voice service prompt information; determine the second service processing cycle and voice service prompt information corresponding to the service user whose primary classification label is the suboptimal service processing capability; if no service is detected within the second preset time processing information, then when the next second service processing period arrives, adjust the voice service prompt information to voice plus SMS service prompt information, and adjust the service processing period to the third service processing period; determine the first level The classification label is the fourth service processing period and the voice plus short message service prompt information corresponding to the service user with the worst service processing capability; if the service processing information is not detected within the third preset time, the fourth When the service processing period arrives, the voice plus short message service prompt information is re-sent to the service user.

Specifically, when the service information processing device determines the service processing period and service prompt information corresponding to each service user according to the primary classification label, for example, for service user A, its primary classification label is the optimal service processing capability, and its service The processing period is the first service processing period, such as one month. The service prompt information is short message service prompt information. When the service processing time is reached, the service information processing apparatus sends the short message service prompt information to the service user A. The first preset time may be 15 days, or 20 days, and so on. For example, the previous service was on October 1st, if no service processing information was detected on October 21st, when the next first service processing cycle arrives, that is, on November 1st, the short message service prompt information will be adjusted to voice service prompt information. That is, the voice service prompt information is sent to service user A. To prompt the service user A to execute the service operation corresponding to the service prompt information in time.

In addition, for the service user B whose primary classification label is suboptimal service processing capability, the second service processing period may be 20 days, and the service prompt information is voice service prompt information. The second preset time can be the time difference between two second service processing cycles before and after, for example, if no service processing information is detected within the second preset time within 20 days, when the next second service processing cycle arrives, the voice service The prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third service processing period. The third business processing period is, for example, 15 days or 10 days.

In addition, for the service user C whose first-level classification label is the worst service processing capability, the service processing period thereof is the fourth service processing period, such as 7 days, 10 days, and the like. The service prompt information is the voice plus short message service prompt information. If the service processing information of service user C is not detected within the third preset time period, such as 7 days, 5 days, etc., when the next fourth service processing period arrives, the voice and short message service prompt information will be sent to the service user again. , to prompt the service user C to perform the service operation corresponding to the service prompt information. In addition, the service prompt information can also be presented in the form of a text pop-up window or a voice pop-up window on the service platform where the service user C conducts the service, so as to prompt the service user C to perform the service operation corresponding to the service prompt information within a specified time limit.

It can be seen that different business processing cycles and business prompt information are determined for business users with different primary classification labels, so as to improve the pertinence of business processing cycles and business prompt information, and improve business management effects by improving the intelligence of business strategies.

In a possible embodiment, the determining the service processing time and service processing method corresponding to each service user according to the secondary classification label includes: acquiring historical service processing data, where the historical service processing data is: Voice and audio data, the voice and audio data includes the attitude parameter and duration parameter of the historical service user; obtain the secondary classification label of the historical service user, and the secondary classification label of the historical service user is based on the historical service user. The gender, age and occupation of the user are obtained; the voice and audio data of the historical service user and the secondary classification label of the historical service user are used as training sample data to train the primary service processing mode prediction model to obtain the target service processing mode prediction model; input the secondary classification label of each service user into the target service processing mode prediction model, and determine the service processing mode of each service user; according to the secondary classification label of each service user included The occupation tag determines the business processing time of each business user.

Specifically, when the service information processing apparatus determines the service processing mode corresponding to each service user according to the secondary classification label, the secondary classification label of each service user can be input into the target service processing mode prediction model, and the service processing mode prediction model for each service user can be determined. The user's business processing method. The target business processing mode prediction model is obtained by using the training sample data set to train the loss function of the primary business processing mode prediction model to convergence. The primary business processing method prediction model can be Recurrent Neural Networks (RNN), Convolutional Neural Networks (CNN), Deep Belief Neural Networks (Deep Belief Neural Networks), Generative Adversarial Networks (Generative Adversarial Networks), automatic Encoder (autoencoder, AE), any one or more of recurrent neural networks.

In addition, the training sample data set includes secondary classification labels of historical service users, and corresponding voice and audio data of historical service users. The voice and audio data includes the attitude parameters and duration parameters of historical service users. For example, whether the business user in the voice and audio data responds to the question and answer, and if so, the attitude when answering is patient or impatient. Attitude parameters can be determined by the tone, intonation, volume, etc. of the business user. The duration parameter and the call duration of the voice and audio data. The training sample dataset contains multiple sets of training sample data. A set of training sample data is the voice and audio data of a business user and the secondary classification label. The secondary classification label of the historical service user is obtained according to the gender, age and occupation of the historical service user. Among them, the prediction model of the target business processing mode is as follows:

Wherein, T is the service processing mode, for example, T=1 corresponds to the first service processing mode, T=2 corresponds to the second service processing mode, and so on.

is the mean value of the business processing method inferred from the training sample data set, i is the i-th group of parameters, and each group of parameters is the parameters of the business user, that is, gender, age, and occupation. There are a total of n sets of parameters. S _i is the gender in the i-th group, A _i is the age in the i-th group of parameters, and O _i is the occupation in the i-th group of parameters.

is the weight coefficient of gender Si obtained after fitting optimization; β is the weight coefficient of age A _i obtained after fitting optimization; _{θ is the weight coefficient of occupation O i} _obtained after fitting optimization.

It can be seen that the primary business processing mode prediction model is trained according to the voice and audio data of historical business users and the secondary classification labels, and the target business processing mode prediction model is obtained after the loss function of the primary business processing mode prediction model converges, so that the target business processing mode prediction model is obtained. Has a strong ability to predict business processing methods. The business processing mode of the business user can be determined according to the input secondary classification label of the business user, and the intelligence and scientific degree of the determination of the business processing mode can be improved. And through the improvement of business processing methods, the business management effect is improved.

In a possible embodiment, the personal information of the service user includes the user's address; the sending the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user, including : if the service prompt information is a voice prompt, determine the area number to call each service user according to the address of each service user; obtain the contact information of each service user, and use the The area number of each service user calls the terminal corresponding to each service user.

Specifically, if the service prompt information is a voice prompt, the service information processing apparatus may obtain the address of each service user, and determine the area number for calling each service user according to the address of each service user. There are multiple calling terminals that can be used, and they include multiple area numbers, such as 023, 0755, 0523, and so on. For example, if the address of service user D is a district in Chongqing, the area number of calling service user E is 023; for example, if the address of service user E is a district in Shenzhen, the area number of calling service user E is 0755. Similarly, service users with other addresses can also refer to this method to determine the calling area number. Further, the contact information of each service user is acquired, and the terminal corresponding to each service user is called by using the area number of each service user according to the contact information. For example, the calling terminal uses 0755 to call the terminal corresponding to service user E. The calling terminal may be the service information processing apparatus itself, or may be other terminal equipment communicatively connected with the service information processing apparatus, and the equipment has the function of calling other terminals.

It can be seen that determining the area number for calling each service user according to the service user's address can improve the probability of the service user answering the call, and avoid calling the service user from a remote number and being directly hung up. This further reduces the efficiency of business processing and affects the effect of business management.

Referring to FIG. 4 again, it is a schematic diagram of functional units of a service information processing apparatus 400 according to an embodiment of the present application. The service information processing apparatus 400 in an embodiment of the present application may be the service information processing apparatus in the embodiments corresponding to FIG. 1 to FIG. 3 . Apparatus, the business information processing apparatus 400 may be a computer program (including program code) running in a computer device, for example, the image recognition apparatus is an application software.

In an implementation manner of the apparatus of the embodiment of the present application, the apparatus includes:

a processing unit 410, configured to acquire service information and personal information of each service user in the multiple service users;

The processing unit 410 is further configured to perform primary classification on the plurality of service users according to the service information of each service user, and obtain a first service user set of the primary category, which is the first service user. Add a first-level classification label to each business user in the collection;

The processing unit 410 is further configured to perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain the second level of the secondary category. Two sets of business users, and add a secondary classification label to each business user in the second set of business users;

The processing unit 410 is further configured to determine, according to the primary classification label and the secondary classification label, a service policy corresponding to each service user, where the service policy includes service prompt information;

The communication unit 420 is configured to send the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to the each service user, where the service prompt information is used to prompt the each service user to perform and communicate with each other. The business operation corresponding to the business prompt information.

In a possible embodiment, in the first-level classification of the plurality of service users according to the service information of each service user, a first set of service users of the first-level category is obtained, which is the first In the aspect of adding a first-level classification label to each service user in the service user set, the processing unit 410 is specifically configured to calculate according to the service amount, service processing information, user qualification, and credit rating included in the service information of each service user. Determine the service processing capability of each service user; perform primary classification on each service user according to the service processing capability of each service user, and obtain the first service user set , and add a first-class classification label to each service user in the first service user set; wherein, the first-class classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.

In a possible embodiment, the personal information includes the gender, age and occupation of the service user; in the first service user set according to the personal information of each service user in the first service user set, the first service user Each service user in the set is subjected to secondary classification to obtain a second set of service users of the secondary category, the processing unit 410 is specifically configured to perform a secondary classification according to the gender and age of each service user in the first set of service users Determine the age and gender label of each service user, and the age and gender label includes one or more of young male/female, middle-aged male/female, and old male/female; according to the first service user set The occupation of each business user determines the occupation label of each business user, and the occupation label includes a fixed professional and/or a freelancer; the age and gender labels of each business user and the occupation label are combined into a The secondary classification label of each business user, the secondary classification label includes young male regular professional, middle-aged male fixed professional, old male fixed professional, young male freelancer, and middle-aged male freelancer , and one of older male freelancers, young female fixed jobs, middle-aged female fixed jobs, older female fixed jobs, young female freelancers, middle-aged female freelancers, older female freelancers, or variety.

In a possible embodiment, the service policy includes service processing cycle, service processing time, service processing method, and service prompt information; In terms of the service policy corresponding to each service user, the processing unit 410 is specifically configured to determine the service processing period and service prompt information corresponding to each service user according to the primary classification label; according to the secondary classification The tag determines the service processing time and service processing mode corresponding to each service user.

In a possible embodiment, in the aspect of determining the service processing period and service prompt information corresponding to each service user according to the primary classification label, the processing unit 410 is specifically configured to determine the one The first service processing cycle and the short message service prompt information corresponding to the service user whose level classification label is the optimal service processing capability; if no service processing information is detected within the first preset time, the next first service processing cycle When arriving, adjust the short message service prompt information to voice service prompt information; determine the second service processing period and voice service prompt information corresponding to the service user whose first-level classification label is the sub-optimal service processing capability; 2. If no service processing information is detected within the preset time, when the next second service processing period arrives, the voice service prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third Service processing cycle; determine the fourth service processing cycle corresponding to the service user whose first-level classification label is the worst service processing capability and the voice and short message service prompt information; if no service processing is detected within the third preset time information, when the next fourth service processing cycle arrives, the voice plus short message service prompt information is re-sent to the service user.

In a possible embodiment, in the aspect of determining the service processing time and service processing mode corresponding to each service user according to the secondary classification label, the processing unit 410 is specifically configured to obtain historical service processing Data, the historical service processing data is voice and audio data, and the voice and audio data includes the attitude parameters and duration parameters of the historical service users; The first-level classification label is obtained according to the gender, age and occupation of the historical service user; the voice and audio data of the historical service user and the secondary classification label of the historical service user are used as training sample data to train the primary service processing method. Prediction model to obtain a target business processing mode prediction model; input the secondary classification label of each business user into the target business processing mode prediction model to determine the business processing mode of each business user; The occupation label included in the secondary classification label of the business user determines the business processing time of each business user.

In a possible embodiment, the personal information of the service user includes the user address; in the aspect of sending the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user , the communication unit 420 is specifically configured to, if the service prompt information is a voice prompt, determine the area number for calling each service user according to the address of each service user; obtain the contact information of each service user , and use the area number of each service user to call the terminal corresponding to each service user according to the contact information.

In some embodiments, the service information processing apparatus may further include an input/output interface, a communication interface, a power supply, and a communication bus.

In this embodiment of the present application, the service information processing apparatus may be divided into functional units according to the foregoing method examples. For example, each functional unit may be divided according to each function, or two or more functions may be integrated into one processing unit. The above-mentioned integrated units may be implemented in the form of hardware, or may be implemented in the form of software functional units. It should be noted that the division of units in the embodiments of the present application is illustrative, and is only a logical function division, and other division methods may be used in actual implementation.

Referring to FIG. 5 again, it is a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device includes a power supply module and other structures, and includes a processor 501 , a storage device 502 and a communication interface 503 . Data can be exchanged between the processor 501 , the storage device 502 and the communication interface 503 .

The storage device 502 may include a volatile memory (volatile memory), such as random-access memory (RAM); the storage device 502 may also include a non-volatile memory (non-volatile memory), such as a fast memory. Flash memory (flash memory), solid-state drive (solid-state drive, SSD), etc.; the storage device 502 may also include a combination of the above-mentioned types of memory. The communication interface 503 is an interface for data interaction between internal devices of the electronic device, such as between the storage device 502 and the processor 501 .

The processor 501 may be a central processing unit (central processing unit, CPU). In one embodiment, the processor 501 may also be a graphics processor 501 (Graphics Processing Unit, GPU). The processor 501 may also be a combination of CPU and GPU. In one embodiment, the storage device 502 is used to store program instructions. The processor 501 can call the program instructions to perform the following steps:

In a possible embodiment, in the first-level classification of the plurality of service users according to the service information of each service user, a first set of service users of the first-level category is obtained, which is the first In the aspect of adding a first-level classification label to each service user in the service user set, the processor 501 is specifically configured to calculate according to the service amount, service processing information, user qualification, and credit rating included in the service information of each service user. Determine the service processing capability of each service user; perform primary classification on each service user according to the service processing capability of each service user, and obtain the first service user set , and add a first-class classification label to each service user in the first service user set; wherein, the first-class classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.

In a possible embodiment, the personal information includes the gender, age and occupation of the service user; in the first service user set according to the personal information of each service user in the first service user set, the first service user Each service user in the set is subjected to secondary classification to obtain a second service user set of the secondary category, the processor 501 is specifically configured to perform a second classification according to the gender and age of each service user in the first service user set Determine the age and gender label of each service user, and the age and gender label includes one or more of young male/female, middle-aged male/female, and old male/female; according to the first service user set The occupation of each business user determines the occupation label of each business user, and the occupation label includes a fixed professional and/or a freelancer; the age and gender labels of each business user and the occupation label are combined into a The secondary classification label of each business user, the secondary classification label includes young male regular professional, middle-aged male fixed professional, old male fixed professional, young male freelancer, and middle-aged male freelancer , and one of older male freelancers, young female fixed jobs, middle-aged female fixed jobs, older female fixed jobs, young female freelancers, middle-aged female freelancers, older female freelancers, or variety.

In a possible embodiment, the service policy includes a service processing period, a service processing time, a service processing method, and service prompt information; In terms of the service policy corresponding to each service user, the processor 501 is specifically configured to determine the service processing period and service prompt information corresponding to each service user according to the primary classification label; according to the secondary classification The tag determines the service processing time and service processing mode corresponding to each service user.

In a possible embodiment, in the aspect of determining the service processing cycle and service prompt information corresponding to each service user according to the primary classification label, the processor 501 is specifically configured to determine the one The first service processing cycle and the short message service prompt information corresponding to the service user whose level classification label is the optimal service processing capability; if no service processing information is detected within the first preset time, the next first service processing cycle When arriving, adjust the short message service prompt information to voice service prompt information; determine the second service processing period and voice service prompt information corresponding to the service user whose first-level classification label is the sub-optimal service processing capability; 2. If no service processing information is detected within the preset time, when the next second service processing period arrives, the voice service prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third Service processing cycle; determine the fourth service processing cycle corresponding to the service user whose first-level classification label is the worst service processing capability and the voice and short message service prompt information; if no service processing is detected within the third preset time information, when the next fourth service processing cycle arrives, the voice plus short message service prompt information is re-sent to the service user.

In a possible embodiment, in the aspect of determining the service processing time and service processing method corresponding to each service user according to the secondary classification label, the processor 501 is specifically configured to obtain historical service processing Data, the historical service processing data is voice and audio data, and the voice and audio data includes the attitude parameters and duration parameters of the historical service users; The first-level classification label is obtained according to the gender, age and occupation of the historical service user; the voice and audio data of the historical service user and the secondary classification label of the historical service user are used as training sample data to train the primary service processing method. Prediction model to obtain a target business processing mode prediction model; input the secondary classification label of each business user into the target business processing mode prediction model to determine the business processing mode of each business user; The occupation label included in the secondary classification label of the business user determines the business processing time of each business user.

In a possible embodiment, the personal information of the service user includes the user address; in the aspect of sending the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user , the processor 501 is specifically configured to, if the service prompt information is a voice prompt, determine the area number for calling each service user according to the address of each service user; obtain the contact information of each service user , and use the area number of each service user to call the terminal corresponding to each service user according to the contact information.

Embodiments of the present application further provide a computer storage medium, wherein the computer storage medium stores a computer program for electronic data exchange, and the computer program causes the computer to execute part or all of the steps of any method described in the above method embodiments .

Optionally, the storage medium involved in this application may be a computer-readable storage medium, such as a computer-readable storage medium, which may be non-volatile or volatile.

Embodiments of the present application further provide a computer program product or computer program, where the computer program product or computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs part or all of the steps of any method described in the above method embodiments.

Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium. During execution, the processes of the embodiments of the above-mentioned methods may be included. The storage medium may be a magnetic disk, an optical disk, a read-only memory (Read-Only Memory, ROM), or a random access memory (Random Access Memory, RAM) or the like.

It should be emphasized that, in order to further ensure the privacy and security of the above data, the above data can also be stored in a node of a blockchain. Among them, the blockchain referred to in this application is a new application mode of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. Blockchain, essentially a decentralized database, is a series of data blocks associated with cryptographic methods. Each data block contains a batch of network transaction information to verify its Validity of information (anti-counterfeiting) and generation of the next block. The blockchain can include the underlying platform of the blockchain, the platform product service layer, and the application service layer.

The above disclosure is only a part of the embodiments of the present application, of course, the scope of the rights of the present application cannot be limited by this. Those of ordinary skill in the art can understand that all or part of the procedures for realizing the above-mentioned embodiments are implemented according to the claims of the present application. The equivalent changes of the invention still belong to the scope covered by the invention.

Claims

A business information processing method, wherein the method comprises:

Obtain business information and personal information of each business user among multiple business users;

Perform primary classification on the plurality of service users according to the service information of each service user, obtain a first service user set of the primary category, and add a primary level to each service user in the first service user set classification label;

Perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set to obtain a second service user set of the secondary category, which is the Add a secondary classification label to each service user in the second service user set;

Determine a service policy corresponding to each service user according to the primary classification label and the secondary classification label, where the service strategy includes service prompt information;

The service prompt information is sent to the terminal corresponding to each service user according to the service policy corresponding to each service user, and the service prompt information is used to prompt each service user to perform the operation corresponding to the service prompt information. business operations.
The method according to claim 1, wherein the first-level classification is performed on the plurality of service users according to the service information of each service user, so as to obtain a first set of service users of the first-level category, which is the A first-level classification label is added to each business user in the first business user set, including:

Determine the service processing capability of each service user according to any one or more of the service amount, service processing information, user qualification, and credit level included in the service information of each service user;

Perform primary classification on each service user according to the service processing capability of each service user, obtain the first service user set, and add a primary classification for each service user in the first service user set Label;

Wherein, the first-level classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.
The method of claim 2, wherein the personal information includes gender, age, and occupation of the business user;

The second-level classification is performed on each service user in the first service user set according to the personal information of each service user in the first service user set, and the second service user set of the secondary category is obtained, including:

Determine the age and gender label of each service user according to the gender and age of each service user in the first service user set, where the age and gender labels include young male/female, middle-aged male/female, and old male/female one or more of;

Determine the occupation label of each business user according to the occupation of each business user in the first business user set, where the occupation label includes a fixed professional and/or a freelancer;

Combining the age and gender labels of each business user and the occupational label into a secondary classification label of each business user, the secondary classification label includes young male fixed occupations, middle-aged male fixed occupations, Older male freelancers, young male freelancers, middle-aged male freelancers, and older male freelancers, young female fixed-time professionals, middle-aged female fixed-time professionals, older female fixed-time professionals, and young female freelancers , one or more of middle-aged female freelancers, and older female freelancers.
The method according to claim 3, wherein the service policy includes a service processing period, a service processing time, a service processing method and service prompt information; The business policy corresponding to each business user includes:

Determine the service processing period and service prompt information corresponding to each service user according to the primary classification label;

The service processing time and service processing mode corresponding to each service user are determined according to the secondary classification label.
The method according to claim 4, wherein the determining the service processing period and service prompt information corresponding to each service user according to the primary classification label comprises:

Determine the first service processing period and short message service prompt information corresponding to the service user whose primary classification label is the optimal service processing capability; if the service processing information is not detected within the first preset time, the next When a service processing period arrives, the short message service prompt information is adjusted to the voice service prompt information;

Determine the second service processing period and voice service prompt information corresponding to the service user whose primary classification label is the suboptimal service processing capability; if the service processing information is not detected within the second preset time, the next When the second service processing period arrives, the voice service prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third service processing period;

Determine the fourth service processing cycle and the voice plus SMS service prompt information corresponding to the service user whose first-level classification label is the worst service processing capability; if no service processing information is detected within the third preset time, the following When the fourth service processing period arrives, the prompt information of the voice plus short message service is re-sent to the service user.
The method according to claim 4, wherein the determining the service processing time and service processing method corresponding to each service user according to the secondary classification label comprises:

Obtaining historical service processing data, the historical service processing data is voice audio data, and the voice audio data includes the attitude parameter and duration parameter of the historical service user;

obtaining the secondary classification label of the historical service user, where the secondary classification label of the historical service user is obtained according to the gender, age and occupation of the historical service user;

Using the voice and audio data of the historical service users and the secondary classification labels of the historical service users as training sample data, train the primary service processing mode prediction model to obtain the target service processing mode prediction model;

Input the secondary classification label of each service user into the target service processing mode prediction model, and determine the service processing mode of each service user;

The business processing time of each business user is determined according to the occupation label included in the secondary classification label of each business user.
The method according to claim 1, wherein the personal information of the service user includes a user address; the service prompt is sent to a terminal corresponding to each service user according to a service policy corresponding to each service user information, including:

If the service prompt information is a voice prompt, determine the area number for calling each service user according to the address of each service user;

Acquire the contact information of each service user, and use the area number of each service user to call the terminal corresponding to each service user according to the contact information.
A service information processing device, wherein the device comprises:

a processing unit, used for acquiring business information and personal information of each business user among the multiple business users;

The processing unit is further configured to perform primary classification on the plurality of service users according to the service information of each service user, and obtain a first service user set of the primary category, which is the first service user set. Add a first-level classification label to each business user in

The processing unit is further configured to perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain a second class of the second service user. a set of business users, and add a secondary classification label to each business user in the second set of business users;

The processing unit is further configured to determine, according to the primary classification label and the secondary classification label, a service policy corresponding to each service user, where the service policy includes service prompt information;

A communication unit, configured to send the service prompt information to the terminal corresponding to each service user according to the service policy corresponding to each service user, where the service prompt information is used to prompt the each service user to execute the The business operation corresponding to the business prompt information is described.
An electronic device comprising a processor, a storage device, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor to implement the following methods :

Obtain business information and personal information of each business user among multiple business users;

Perform primary classification on the plurality of service users according to the service information of each service user, obtain a first service user set of the primary category, and add a primary level to each service user in the first service user set classification label;

Perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set to obtain a second service user set of the secondary category, which is the Add a secondary classification label to each service user in the second service user set;

Determine a service policy corresponding to each service user according to the primary classification label and the secondary classification label, where the service strategy includes service prompt information;

The service prompt information is sent to the terminal corresponding to each service user according to the service policy corresponding to each service user, and the service prompt information is used to prompt each service user to perform the operation corresponding to the service prompt information. business operations.
The electronic device according to claim 9, wherein the first-level classification of the plurality of service users according to the service information of each service user is performed to obtain the first service user set of the first-level category, and is Each service user in the first service user set adds a first-level classification label, including:

Determine the service processing capability of each service user according to any one or more of the service amount, service processing information, user qualification, and credit level included in the service information of each service user;

Perform primary classification on each service user according to the service processing capability of each service user, obtain the first service user set, and add a primary classification for each service user in the first service user set Label;

Wherein, the first-level classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.
The electronic device of claim 10, wherein the personal information includes gender, age and occupation of the business user;

Performing the second-level classification of each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain a second service user set of the secondary category, including :

Determine the age and gender label of each service user according to the gender and age of each service user in the first service user set, where the age and gender labels include young male/female, middle-aged male/female, and old male/female one or more of;

Determine the occupation label of each business user according to the occupation of each business user in the first business user set, where the occupation label includes a fixed professional and/or a freelancer;

Combining the age and gender labels of each business user and the occupational label into a secondary classification label of each business user, the secondary classification label includes young male fixed occupations, middle-aged male fixed occupations, Older male freelancers, young male freelancers, middle-aged male freelancers, and older male freelancers, young female fixed-time professionals, middle-aged female fixed-time professionals, older female fixed-time professionals, and young female freelancers , one or more of middle-aged female freelancers, and older female freelancers.
The electronic device according to claim 11, wherein the service policy includes a service processing period, a service processing time, a service processing method, and service prompt information; Determine the service policy corresponding to each service user, including:

Determine the service processing cycle and service prompt information corresponding to each service user according to the primary classification label;

The service processing time and service processing mode corresponding to each service user are determined according to the secondary classification label.
The electronic device according to claim 12, wherein performing the determining of the service processing period and service prompt information corresponding to each service user according to the primary classification label comprises:

Determine the first service processing period and short message service prompt information corresponding to the service user whose primary classification label is the optimal service processing capability; if the service processing information is not detected within the first preset time, the next When a service processing period arrives, the short message service prompt information is adjusted to the voice service prompt information;

Determine the second service processing period and voice service prompt information corresponding to the service user whose primary classification label is the suboptimal service processing capability; if the service processing information is not detected within the second preset time, the next When the second service processing period arrives, the voice service prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third service processing period;

Determine the fourth service processing cycle and the voice plus SMS service prompt information corresponding to the service user whose first-level classification label is the worst service processing capability; if no service processing information is detected within the third preset time, the following When the fourth service processing cycle arrives, the voice plus short message service prompt information is re-sent to the service user.
The electronic device according to claim 12, wherein performing the determining of the service processing time and service processing method corresponding to each service user according to the secondary classification label comprises:

Obtaining historical service processing data, the historical service processing data is voice audio data, and the voice audio data includes the attitude parameter and duration parameter of the historical service user;

obtaining the secondary classification label of the historical service user, where the secondary classification label of the historical service user is obtained according to the gender, age and occupation of the historical service user;

Using the voice and audio data of the historical service users and the secondary classification labels of the historical service users as training sample data, train the primary service processing mode prediction model to obtain the target service processing mode prediction model;

Input the secondary classification label of each service user into the target service processing mode prediction model, and determine the service processing mode of each service user;

The business processing time of each business user is determined according to the occupation label included in the secondary classification label of each business user.
A computer-readable storage medium storing a computer program for electronic data exchange, wherein the computer program causes a computer to perform the following method:

Obtain business information and personal information of each business user among multiple business users;

Perform primary classification on the plurality of service users according to the service information of each service user, obtain a first service user set of the primary category, and add a primary level to each service user in the first service user set classification label;

Perform a secondary classification on each service user in the first service user set according to the personal information of each service user in the first service user set to obtain a second service user set of the secondary category, which is the Add a secondary classification label to each service user in the second service user set;

Determine a service policy corresponding to each service user according to the primary classification label and the secondary classification label, where the service strategy includes service prompt information;

The service prompt information is sent to the terminal corresponding to each service user according to the service policy corresponding to each service user, and the service prompt information is used to prompt each service user to perform the operation corresponding to the service prompt information. business operations.
The computer-readable storage medium according to claim 15, wherein the first-level classification of the plurality of service users according to the service information of each service user is performed to obtain a first set of service users of the first-level category , and add a first-level classification label to each service user in the first service user set, including:

Determine the service processing capability of each service user according to any one or more of the service amount, service processing information, user qualification, and credit level included in the service information of each service user;

Perform primary classification on each service user according to the service processing capability of each service user, obtain the first service user set, and add a primary classification for each service user in the first service user set Label;

Wherein, the first-level classification label includes the optimal service processing capability, the second optimal service processing capability, and the worst service processing capability.
The computer-readable storage medium of claim 16, wherein the personal information includes gender, age, and occupation of the business user;

Performing the second-level classification of each service user in the first service user set according to the personal information of each service user in the first service user set, to obtain a second service user set of the secondary category, including :

Determine the age and gender label of each service user according to the gender and age of each service user in the first service user set, where the age and gender labels include young male/female, middle-aged male/female, and old male/female one or more of;

Determine the occupation label of each business user according to the occupation of each business user in the first business user set, where the occupation label includes a fixed professional and/or a freelancer;

Combining the age and gender labels of each business user and the occupational label into a secondary classification label of each business user, the secondary classification label includes young male fixed occupations, middle-aged male fixed occupations, Older male freelancers, young male freelancers, middle-aged male freelancers, and older male freelancers, young female fixed-time professionals, middle-aged female fixed-time professionals, older female fixed-time professionals, and young female freelancers , one or more of middle-aged female freelancers, and older female freelancers.
The computer-readable storage medium according to claim 17, wherein the service policy includes a service processing period, a service processing time, a service processing method, and service prompt information; The level classification label determines the business policy corresponding to each business user, including:

Determine the service processing cycle and service prompt information corresponding to each service user according to the primary classification label;

The service processing time and service processing mode corresponding to each service user are determined according to the secondary classification label.
The computer-readable storage medium according to claim 18, wherein performing the determining of the service processing period and service prompt information corresponding to each service user according to the primary classification label comprises:

Determine the first service processing period and short message service prompt information corresponding to the service user whose primary classification label is the optimal service processing capability; if the service processing information is not detected within the first preset time, the next When a service processing period arrives, the short message service prompt information is adjusted to the voice service prompt information;

Determine the second service processing period and voice service prompt information corresponding to the service user whose primary classification label is the suboptimal service processing capability; if the service processing information is not detected within the second preset time, the next When the second service processing period arrives, the voice service prompt information is adjusted to the voice plus short message service prompt information, and the service processing period is adjusted to the third service processing period;

Determine the fourth service processing cycle and the voice plus short message service prompt information corresponding to the service user whose primary classification label is the worst service processing capability; if no service processing information is detected within the third preset time, the following When the fourth service processing cycle arrives, the voice plus short message service prompt information is re-sent to the service user.
The computer-readable storage medium according to claim 18, wherein performing the determining of the service processing time and service processing method corresponding to each service user according to the secondary classification label comprises:

Obtain historical service processing data, the historical service processing data is voice audio data, and the voice audio data includes the attitude parameter and duration parameter of the historical service user;

Acquiring the secondary classification label of the historical service user, where the secondary classification label of the historical service user is obtained according to the gender, age and occupation of the historical service user;

Using the voice and audio data of the historical service users and the secondary classification labels of the historical service users as training sample data, train a primary service processing mode prediction model to obtain a target service processing mode prediction model;

Input the secondary classification label of each service user into the target service processing mode prediction model, and determine the service processing mode of each service user;

The business processing time of each business user is determined according to the occupation label included in the secondary classification label of each business user.