CN110322116A - Task processing method, device, electronic equipment and storage medium - Google Patents
Task processing method, device, electronic equipment and storage medium Download PDFInfo
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Abstract
A kind of task processing method, which comprises on the interface of bank application APP, output carries the waiting task to responsible investigation client；It is receiving for when executing instruction of the waiting task, is starting the process flow of the waiting task；In the implementation procedure of the process flow, voice messaging is received；Field data acquisition is carried out to responsible investigation client to described according to the voice messaging, and/or, risk assessment is carried out to responsible investigation client to described according to the voice messaging；According to being reported as a result, generating for the customer survey to responsible investigation client for the field data and/or the risk assessment；After the certification of customer survey report passes through, the permission for having to responsible investigation client and handling to open family business is determined.The present invention also provides a kind of Task Processing Unit, electronic equipment and storage mediums.The present invention can ensure the authenticity of customer survey report.
Description
Technical field
The present invention relates to information acquiring technology field more particularly to a kind of task processing method, device, electronic equipment and deposit
Storage media.
Background technique
With the needs of life and work, people are frequently necessary to bank's processes financial business, for example handle to open family industry
Be engaged in, handle credit card etc..Currently, bank is to the side that public exhibition industry mode is most of or is communicated with client by customer manager under line
Formula carries out, for example, when needing to carry out responsible investigation to client A, customer manager A needs are linked up with client A, simultaneously
Field investigation is carried out, all field datas of client A and communication information are recorded by way of manually putting down, are filled in
And the customer survey of papery is submitted to report.
Since whole process is to record information by way of manually putting down, this be easy to so that information due to it is artificial because
It is plain and record not comprehensive, in some instances it may even be possible to artificial real information of distorting can occur, reported so as to cause the customer survey of submission
Distortion, authenticity are poor.
Summary of the invention
In view of the foregoing, it is necessary to a kind of task processing method, device, electronic equipment and storage medium are provided, it can
The process for simplifying entire responsible investigation, saves the time, simultaneously, it is ensured that the authenticity of customer survey report.
The first aspect of the present invention provides a kind of task processing method, which comprises
On the interface of bank application APP, output carries the waiting task to responsible investigation client；
It is receiving for when executing instruction of the waiting task, is starting the process flow of the waiting task；
In the implementation procedure of the process flow, voice messaging is received；
Field data acquisition is carried out to responsible investigation client to described according to the voice messaging, and/or, according to institute's predicate
Message breath carries out risk assessment to responsible investigation client to described；
According to the field data and/or the risk assessment as a result, generating for described to responsible investigation client's
Customer survey report；
After the certification of customer survey report passes through, has described in determination to responsible investigation client and handle to open family
The permission of business.
In one possible implementation, described in the implementation procedure of the process flow, receive voice messaging packet
It includes:
In the implementation procedure of the process flow, long-range responsible investigation application is received；
When receiving for when going code of the long-range responsible investigation application, visual telephone is connected；
Voice messaging is received from the visual telephone.
In one possible implementation, it is described to responsible investigation client be debt client, it is described in the processing stream
In the implementation procedure of journey, receiving voice messaging includes:
In the implementation procedure of the process flow, multiple interview problems are exported, the interview problem is used for the debt
The assets of business client are investigated；
Receive the voice messaging that the debt client inputs the multiple interview problem；
It is described to include: to responsible investigation client progress risk assessment to described according to the voice messaging
Acquire micro- expressive features of the debt client；
According to the voice messaging and micro- expressive features, risk assessment is carried out to the debt client.
In one possible implementation, described on the interface of bank application APP, output is carried to responsible
Before the waiting task for investigating client, the method also includes:
Receive the reserving to open family to responsible investigation client for described in that customer manager inputs on the bank APP
Application, and receive customer manager's mark of customer manager's input；Applied according to described pair of open family reservation and described
Customer manager's mark, generates the waiting task；Or
Open family reservation is applied to what responsible investigation client submitted on the bank APP described in receiving；It is described right
Open family reservation application distribution target customer manager；It is handled according to described pair of open family reservation application and the target customer
Customer manager's mark, generates the waiting task.
In one possible implementation, described on the interface of bank application APP, output is carried to responsible
Before the waiting task for investigating client, the method also includes:
Obtain the multiple potential customers having to open family business need；
For each potential customers, judges whether the potential customers meet and execute the client of responsible investigation task and want
It asks；
If the potential customers meet the customer requirement for executing responsible investigation task, Xiang Suoshu potential customers send meaning of opening an account
It is willing to confirmation request；
When receiving the confirmation instruction for the wish confirmation request return of opening an account, determine the potential customers be to
Responsible investigation client；
It generates and carries the waiting task to responsible investigation client.
In one possible implementation, described to judge whether the potential customers meet execution responsible investigation task
Customer requirement includes:
Judge that the potential customers whether there is the account to open family；
If the potential customers have the account to open family, determines that the potential customers do not meet and execute responsible investigation times
The customer requirement of business；Or
If the account to open family is not present in the potential customers, determines that the potential customers meet and execute responsible investigation times
The customer requirement of business.
In one possible implementation, described to judge whether the potential customers meet execution responsible investigation task
Customer requirement includes:
Judge that the potential customers whether there is in wait list of opening an account；
If the potential customers, which are present in, executes responsible investigation times wait in list of opening an account, determine that the potential customers do not meet
The customer requirement of business；Or
If the potential customers are not present in executing responsible investigation times wait in list of opening an account, determine that the potential customers meet
The customer requirement of business.
The second aspect of the present invention provides a kind of Task Processing Unit, and the Task Processing Unit includes:
Output module, at the interface of bank application APP, output to be carried to responsible investigation client wait locate
Reason task；
Starting module starts described to be processed for receiving for when executing instruction of the waiting task
The process flow of business；
Execution module is used for according to the voice messaging to described to responsible investigation client progress field data acquisition, and/
Or, carrying out risk assessment to responsible investigation client to described according to the voice messaging；
Generation module, for according to the field data and/or the risk assessment as a result, generating for described to the greatest extent
The customer survey report of client is investigated in duty；
Determining module, it is described to responsible investigation client tool for determining after the certification that the customer survey is reported passes through
Reason is prepared for the permission of open family business.
The third aspect of the present invention provides a kind of electronic equipment, and the electronic equipment includes processor and memory, described
Processor realizes the task processing method when being used to execute the computer program stored in the memory.
The fourth aspect of the present invention provides a kind of computer readable storage medium, deposits on the computer readable storage medium
Computer program is contained, the task processing method is realized when the computer program is executed by processor.
By above technical scheme, in the present invention, it can export and carry to the greatest extent on the interface of bank application APP
The waiting task of client is investigated in duty, is being received for when executing instruction of the waiting task, is being started described to be processed
The process flow of task further in the implementation procedure of the process flow, receives voice messaging, according to the voice
Information carries out field data acquisition to responsible investigation client to described, and/or, it is adjusted to described to responsible according to the voice messaging
It looks into client and carries out risk assessment, and according to the field data and/or the risk assessment as a result, generating for described to the greatest extent
The customer survey report of client is investigated in duty；After the certification of customer survey report passes through, it can determine described to responsible tune
It looks into client and has the permission handled to open family business.As it can be seen that in the present invention, for open family business, bank can be passed through
APP directly carries out responsible investigation on line, i.e., all field investigation information and risk evaluation result can by bank APP come
It collects and records, without manual record, meanwhile, customer survey report is also directly according to the field data and/or described
What the result of risk assessment generated, avoiding problems information caused by manual record is not comprehensive or even the problem of distort, thus not
The process that only can simplify entire responsible investigation, saves the time, at the same time it can also ensure the authenticity of customer survey report.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow chart of the preferred embodiment of task processing method disclosed by the invention.
Fig. 2 is a kind of functional block diagram of the preferred embodiment of Task Processing Unit disclosed by the invention.
Fig. 3 is the structural schematic diagram of the electronic equipment for the preferred embodiment that the present invention realizes task processing method.
Specific embodiment
To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real
Applying example, the present invention will be described in detail.It should be noted that in the absence of conflict, the embodiment of the present invention and embodiment
In feature can be combined with each other.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention
The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool
The purpose of the embodiment of body, it is not intended that in the limitation present invention.
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, with reference to the accompanying drawing and specific real
Applying mode, the present invention is described in further detail.
The task processing method application of the embodiment of the present invention in the electronic device, can also apply in electronic equipment and pass through
In the hardware environment that the server that network and the electronic equipment are attached is constituted, held jointly by server and electronic equipment
Row.Network includes but is not limited to: wide area network, Metropolitan Area Network (MAN) or local area network.
The electronic equipment include it is a kind of can according to the instruction for being previously set or store, it is automatic carry out numerical value calculate with/
Or the electronic equipment of information processing, hardware include but is not limited to microprocessor, specific integrated circuit (ASIC), programmable gate array
Arrange (FPGA), digital processing unit (DSP), embedded device etc..The electronic equipment may also include the network equipment and/or user sets
It is standby.Wherein, the network equipment include but is not limited to single network server, multiple network servers composition server group or
The cloud being made of a large amount of hosts or network server based on cloud computing (Cloud Computing), wherein cloud computing is distribution
One kind that formula calculates, a super virtual computer consisting of a loosely coupled set of computers.The user equipment packet
Include but be not limited to any one can be carried out with user by modes such as keyboard, mouse, remote controler, touch tablet or voice-operated devices it is man-machine
Interactive electronic product, for example, personal computer, tablet computer, smart phone, personal digital assistant PDA, game machine, interaction
Formula network TV IPTV, intellectual wearable device etc..Wherein, network locating for the user equipment and the network equipment include but
It is not limited to internet, wide area network, Metropolitan Area Network (MAN), local area network, Virtual Private Network VPN etc..
Referring to Figure 1, Fig. 1 is a kind of flow chart of the preferred embodiment of task processing method disclosed by the invention.Wherein,
The sequence of step can change in the flow chart according to different requirements, and certain steps can be omitted.
On the interface of bank application APP, output is carried to responsible investigation client wait locate for S11, electronic equipment
Reason task.
Wherein it is possible in the form of suspended frame or dialog box on the interface of bank application APP, output carry to
The waiting task of responsible investigation client can also further be highlighted the waiting task.In addition, such as
Fruit has multiple waiting tasks, can also handle the sequencing of time as requested and be ranked up.Wherein, the Bank application
There are multiple menus on program APP, such as to open family menu, credit card menu, insurance menu etc., in addition, under each menu also
It is provided with submenu, for example responsible investigation submenu is arranged with to open family menu.Optionally, when the user name of user's input
After password authentification success, bank APP can be started, wherein the user is either bank personnel, such as customer manager,
It can also be non-silver administrative staff, such as insurance business person.
In the embodiment of the present invention, after starting bank APP, with the presence or absence of waiting task under can also first judging, such as
There are the waiting tasks for fruit, can export and carry to responsible investigation client's on the interface of bank application APP
Waiting task.Later, a length of preset duration when exporting the waiting task every predetermined period, and keeping exporting, this has
Customer manager is reminded to handle the waiting task in time conducive to real-time, meanwhile, the interface long time will not be occupied.
In general, can be established corresponding between the waiting task and user after generating the waiting task
Relationship, meanwhile, the waiting task can be stored into the backlog of the user.When the user logs in the silver
When row APP, the waiting task carried to responsible investigation client can be exported on the interface of bank application APP.
As an alternative embodiment, before step S11, the method also includes:
Receive the reserving to open family to responsible investigation client for described in that customer manager inputs on the bank APP
Application, and receive customer manager's mark of customer manager's input；Applied according to described pair of open family reservation and described
Customer manager's mark, generates the waiting task；Or
Open family reservation is applied to what responsible investigation client submitted on the bank APP described in receiving；It is described right
Open family reservation application distribution target customer manager；It is handled according to described pair of open family reservation application and the target customer
Customer manager's mark, generates the waiting task.
In the optional embodiment, the waiting task can be generated there are two types of situation, the first is to work as client
When each channel is subscribed to open family, which needs to carry out responsible investigation manager, and the client is i.e. to responsible
Client is investigated, customer manager can be inputted for described to responsible investigation client on the bank APP to open family reservation
Application, at the same time it can also input customer manager's mark (such as customer manager's number), later, it can according to described pair of disclosure
Family reservation application and customer manager mark, generate the waiting task.Optionally, the waiting task is being generated
Later, reminder message can also be pushed to the customer manager, the reminder message is for reminding the customer manager to handle institute
State waiting task.
Second is to apply when client has submitted on the bank APP open family reservation, but temporarily pass through without client
Reason docking can be described couple of open family reservation application distribution target customer manager from multiple customer managers of current idle,
Meanwhile customer manager's mark of the target customer manager is obtained automatically, later, it can Shen is reserved according to described pair of open family
Please and the target customer manager customer manager mark, generate the waiting task.Optionally, described wait locate in generation
After reason task, push reminder message can also be handled to the target customer, the reminder message is for reminding the client
Manager handles the waiting task.
As an alternative embodiment, before step S11, the method also includes:
Obtain the multiple potential customers having to open family business need；
For each potential customers, judges whether the potential customers meet and execute the client of responsible investigation task and want
It asks；
If the potential customers meet the customer requirement for executing responsible investigation task, Xiang Suoshu potential customers send meaning of opening an account
It is willing to confirmation request；
When receiving the confirmation instruction for the wish confirmation request return of opening an account, determine the potential customers be to
Responsible investigation client；
It generates and carries the waiting task to responsible investigation client.
Wherein, have be usually to the client of open family business need new incorporation corporate client, namely it is only new
The corporate client of incorporation just has the business demand to open family.
Wherein, the main contents of responsible investigation task can include but is not limited to inspection information, on-site inspection and on the spot
Investigate project entity.The inspection information i.e. surround financier, affiliated company, industry, industrial chain, product, technology, upstream and downstream,
Rival etc. collects comprehensive, objective data as far as possible, make oneself to have before directly contacting with financier one it is basic
Understanding, find the direction it should be understood that problem.The on-site inspection is exchanged and is visited with senior executive, core technology, sales force
It talks, situations such as from history, status, strategy, technical advance and maturity, the market competitiveness of internal understanding company, is formed pair
The judgement of development of company.Process flow, production equipment are visited by the on-the-spot investigation project entity, understand inventory, energy consumption,
Situations such as observing product sales figure, logistics transportation, the production and operation for understanding enterprise with the common employee of enterprise, even nearby residents
Situation etc. is still able to evidence warp although soon not necessarily real, but if the time span and careful degree investigated are enough
Battalion's situation.
In the optional embodiment, there can be company incorporated within a preset time by big data technology to obtain
Corporate client, such as the company registered within the week before current time, and the corporate client that will acquire is determined as diving
In client.For these potential customers, when these potential customers need to open an account, some need executes responsible investigation task, has
Do not need execute responsible investigation task, therefore, it is also desirable to further screen, specifically, each potential visitor can be directed to
Family, judges whether the potential customers meet the customer requirement for executing responsible investigation task, holds if the potential customers meet
The customer requirement of row responsible investigation task further can send wish confirmation request of opening an account to the potential customers, work as reception
To when instructing for the confirmation for opening an account the return of wish confirmation request, show that the potential customers have the demand to open family,
In addition, it is desirable to execute responsible investigation task to the potential customers, then it can determine that the potential customers are to responsible investigation visitor
Family, and generate and carry the waiting task to responsible investigation client.
Specifically, it is described judge the potential customers whether meet execute responsible investigation task customer requirement include:
Judge that the potential customers whether there is the account to open family；
If the potential customers have the account to open family, determines that the potential customers do not meet and execute responsible investigation times
The customer requirement of business；Or
If the account to open family is not present in the potential customers, determines that the potential customers meet and execute responsible investigation times
The customer requirement of business.
In the optional embodiment, if the potential customers have the account to open family, show described potential
Client had successfully been handled in advance to open family business, and usually before handling to open family business, it is necessary to institute
It states potential customers and executes responsible investigation task, since the potential customers have successfully handled to open family business, also in advance
Show that the responsible investigation task of the potential customers has been completed, the potential customers are true and reliable client, this feelings
There is no need to execute responsible investigation task to the potential customers again under condition, that is, it can determine that the potential customers do not meet and hold
The customer requirement of row responsible investigation task；, whereas if the account to open family is not present in the potential customers, show described latent
It does not handle in client to open family business, and does not handle the client to open family business, open an account, must just hold in advance if necessary
Row responsible investigation task can determine that the potential customers meet the customer requirement for executing responsible investigation task.
Specifically, it is described judge the potential customers whether meet execute responsible investigation task customer requirement include:
Judge that the potential customers whether there is in wait list of opening an account；
If the potential customers, which are present in, executes responsible investigation times wait in list of opening an account, determine that the potential customers do not meet
The customer requirement of business；Or
If the potential customers are not present in executing responsible investigation times wait in list of opening an account, determine that the potential customers meet
The customer requirement of business.
Wherein, described wait be stored with multiple client's lists for needing to handle to open family business in list of opening an account.In general, pre-
The client for first carrying out responsible investigation task can just be put into wait in list of opening an account.
In the optional embodiment, if the potential customers be present in it is described potential wait show in list of opening an account
Client first carried out responsible investigation task in advance, and the potential customers are true and reliable client, responsible there is no need to execute again
Survey tasks can determine that the potential customers do not meet the customer requirement for executing responsible investigation task；, whereas if described
Potential customers are not present in wait in list of opening an account, show that the potential customers are handled not yet to open family business, described potential
Client may be not carried out responsible investigation task, hence, it can be determined that the potential customers, which meet, executes responsible investigation task
Customer requirement.
Specifically, it is described judge the potential customers whether meet execute responsible investigation task customer requirement include:
Judge whether the potential customers have record of bad behavior；
If the potential customers have record of bad behavior, determine that the potential customers do not meet the client for executing responsible investigation task
It is required that；Or
If the potential customers do not have record of bad behavior, determine that the potential customers meet the client for executing responsible investigation task
It is required that.
Wherein, the record of bad behavior can include but is not limited to history open an account it is unacceptable record, belong to the black name of enterprise
Single record is related to enterprise and relates to record for telling or freezing to verify etc..
In the optional embodiment, if the potential customers have record of bad behavior, show that the potential customers belong to
There are the clients of credit problems, if opened an account to this kind of client, risk is higher, then can determine that the potential customers are not inconsistent
Close the customer requirement for executing responsible investigation task；, whereas if the potential customers do not have record of bad behavior, show the potential visitor
Family belongs to true and reliable client, if needing to open an account to this kind of client, risk is lower, can determine that the potential customers meet
Execute the customer requirement of responsible investigation task.
S12, electronic equipment are being received for when executing instruction of the waiting task, start the waiting task
Process flow.
In the embodiment of the present invention, when user needs to handle the waiting task, user can click the bank APP
On executive button, executed instruction with generating, triggering starts the process flow of the waiting task.
S13, in the implementation procedure of the process flow, electronic equipment receive voice messaging.
In the embodiment of the present invention, after the process flow starting of the waiting task, the process flow is entered
Implementation procedure, in the implementation procedure of the process flow, electronic equipment can receive voice messaging.
Specifically, described in the implementation procedure of the process flow, receiving voice messaging includes:
In the implementation procedure of the process flow, long-range responsible investigation application is received；
When receiving for when going code of the long-range responsible investigation application, visual telephone is connected；
Voice messaging is received from the visual telephone.
In the optional embodiment, it can be visited by other non-silver administrative staff such as insurance business person to described to the greatest extent
Duty investigates client and carries out field investigation, in general, the experience that non-silver administrative staff carries out field investigation is insufficient, in this case, needs
Long-range responsible investigation personnel assist to execute responsible investigation task, wherein and long-range responsible investigation personnel belong to bank internal staff,
Such as customer manager.During non-silver administrative staff is to the progress field investigation to responsible investigation client, long-range responsible tune
The personnel of looking into can initiate long-range responsible investigation application to non-silver administrative staff by the bank APP, and non-silver administrative staff can connect
For the visual telephone of the long-range responsible investigation application, later, long-range responsible investigation personnel can pass through the visual telephone
Transmitting voice information, electronic equipment can receive voice messaging from the visual telephone.Wherein, the voice messaging is used for
Remote guide is carried out to the acquisition of the field data to responsible investigation client.
Specifically, it is described to responsible investigation client be debt client, it is described in the implementation procedure of the process flow, connect
Receiving voice messaging includes:
In the implementation procedure of the process flow, multiple interview problems are exported, the interview problem is used for the debt
The assets of business client are investigated；
Receive the voice messaging that the debt client inputs the multiple interview problem.
In the optional embodiment, when described when responsible investigation client is debtor, it usually needs to the debt
Business client carries out risk assessment.Specifically, multiple interview problems can be exported in the implementation procedure of the process flow, than
Such as: " what your main revenue source is at present ", " disposable income monthly how many ", and receive the debt client couple
The voice messaging of the multiple interview problem input, wherein the voice messaging, that is, debt client is to the multiple interview
The response message of problem.
S14, electronic equipment according to the voice messaging to it is described to responsible investigation client carry out field data acquisition, and/
Or, carrying out risk assessment to responsible investigation client to described according to the voice messaging.
In the embodiment of the present invention, in the implementation procedure of the process flow, electronic equipment can identify the voice letter
Breath carries out remote guide to the acquisition of the field data to responsible investigation client by the voice messaging, described in acquisition
To the field data of responsible investigation client, such as shooting curstomer's site picture, record customer manager is with described to responsible investigation visitor
Voice messaging when family is linked up at the same time it can also instruct to check scene, and examines the authenticity at scene.
Optionally, if it is described to responsible investigation client be debt client, it is described according to the voice messaging to it is described to the greatest extent
Duty investigation client carries out risk assessment and includes:
Acquire micro- expressive features of the debt client；
According to the voice messaging and micro- expressive features, risk assessment is carried out to the debt client.
In this embodiment, electronic equipment can also open camera and shoot to the debt client, to acquire
Micro- expressive features of debt client are stated, it later, can be according to the voice messaging and micro- expressive features, to the debt
Client carries out risk assessment, specifically, report of accessment and test can generate first according to the voice messaging, the report of accessment and test can be with
The overall risk and interview inventory risk point for showing the debt client, can be labeled the higher problem of risk, it
Afterwards, in the micro- expressive features that will be acquired and report of accessment and test input air control model, by air control model come to the debt
Business client carries out risk assessment.Since during interview, the debt client may go to avoid interview problem consciously,
Namely the debt client may have input false voice messaging, but usually micro- expression when answering the interview problem
It will not hide, in the optional embodiment, be assessed in conjunction with micro- expression, can be improved the wind to the debt client
The accuracy nearly assessed.
Optionally, if risk assessment the result shows that the risk of the debt client is higher, can not allow described
Debt client reason is to open family business；If risk evaluation result shows that the risk of the debt client is lower, can permit
The debt client reason is to open family business.
S15, electronic equipment are according to the field data and/or the risk assessment as a result, generating for described to the greatest extent
The customer survey report of client is investigated in duty.
Wherein, when responsible investigation client carries out field investigation, curstomer's site picture is being shot to described；In input client
It, can be raw automatically according to the curstomer's site picture and curstomer's site investigation essential information after field investigation essential information
It is reported at customer survey；Alternatively, first saving the curstomer's site picture of shooting, essential information is investigated in input curstomer's site
Afterwards, when the report generation for receiving input instructs, base is being investigated according to the curstomer's site picture and the curstomer's site
This information generates customer survey report.
Wherein, the customer survey report includes curstomer's site investigation essential information and curstomer's site picture.
Wherein, the curstomer's site investigation essential information can include but is not limited to organization, business address, holding stock
East or actual controller, company size and headcount, unit name of contact person, unit contact phone, unit contact person's duty
Business, parent see the time.Wherein, business address, can be manually entered, and built-in GPS positioning system automatic positioning also can be used.Parent
See that the time can select some time by the way of roller-coaster, system default is the time on the same day.And other clients show
Field investigation essential information is to be manually entered.
Wherein, curstomer's site picture is required to high-visible unit lintel or LOGO, alternatively, unit workplace can be embodied
Situation.Support scene is taken pictures or photograph album uploads, wherein uploading pictures can be limited no more than 2.
By the curstomer's site picture of upload, the practical feelings in scene to responsible investigation client can be truly reflected
Condition can be effectively carried out security management and control, avoids bank's bad credit caused by reporting due to not firm customer survey, reduces risk.
S16, after the certification of customer survey report passes through, electronic equipment determines described to be had to responsible investigation client
Handle the permission to open family business.
In the embodiment of the present invention, when receiving the confirmation instruction for the report audit request transmission, show described
Customer survey report audit passes through, meanwhile, also indicate that the responsible investigation task to responsible investigation client completes, it is described
Belong to true and reliable client to responsible investigation client, can determine it is described have to responsible investigation client handle to open family industry
The permission of business.At this point, the waiting task terminates.
Wherein, after generating the customer survey report of the waiting task, electronic equipment needs will carry the visitor
The report audit request of family survey report is committed to auditor, to authenticate to customer survey report.Specifically, can be with
Report audit request is committed to auditor in pre-set audit time (such as Friday weekly), this is conducive to auditor and exists
Some set time, unified audit to multiple reports requested to audit, and saves audit time, improves review efficiency；Alternatively, also
Report audit request can be committed to auditor in the network not busy time, this is conducive to report audit request can be smooth
Ground is committed to auditor.In the embodiment of the present invention, according to the field data and/or the risk assessment as a result, generating
After the customer survey report to responsible investigation client, prompt information can also be exported, the prompt information is used for
Whether prompt submits the customer survey to report, can will if receiving the confirmation instruction for prompt information input
The report audit request for carrying the customer survey report is committed to auditor and audits.Wherein, the auditor can be with
To be pre-set for auditing the user personnel of customer survey report.
It wherein, can be to the visitor after the auditor receives the report audit request by the bank APP
Family survey report carries out manual examination and verification, if certification passes through, i.e., transmittable confirmation instruction can retract if certification does not pass through
The customer survey report, retracts reason it is also desirable to input.
In the method flow described in Fig. 1, it can export and carry to the greatest extent on the interface of bank application APP
The waiting task of client is investigated in duty, is being received for when executing instruction of the waiting task, is being started described to be processed
The process flow of task further in the implementation procedure of the process flow, receives voice messaging, according to the voice
Information carries out field data acquisition to responsible investigation client to described, and/or, it is adjusted to described to responsible according to the voice messaging
It looks into client and carries out risk assessment, and according to the field data and/or the risk assessment as a result, generating for described to the greatest extent
The customer survey report of client is investigated in duty；After the certification of customer survey report passes through, it can determine described to responsible tune
It looks into client and has the permission handled to open family business.As it can be seen that in the present invention, for open family business, bank can be passed through
APP directly carries out responsible investigation on line, i.e., all field investigation information and risk evaluation result can by bank APP come
It collects and records, without manual record, meanwhile, customer survey report is also directly according to the field data and/or described
What the result of risk assessment generated, avoiding problems information caused by manual record is not comprehensive or even the problem of distort, thus not
The process that only can simplify entire responsible investigation, saves the time, at the same time it can also ensure the authenticity of customer survey report.
The above is only a specific embodiment of the invention, but scope of protection of the present invention is not limited thereto, for
For those skilled in the art, without departing from the concept of the premise of the invention, improvement, but these can also be made
It all belongs to the scope of protection of the present invention.
Fig. 2 is referred to, Fig. 2 is a kind of functional block diagram of the preferred embodiment of Task Processing Unit disclosed by the invention.
In some embodiments, the Task Processing Unit is run in electronic equipment.The Task Processing Unit can be with
Including multiple functional modules as composed by program code segments.The program code of each program segment in the Task Processing Unit
It can store in memory, and as performed by least one processor, to execute in task processing method described in Fig. 1
Part or all of step specifically can refer to the associated description in task processing method described in Fig. 1, and details are not described herein.
In the present embodiment, function of the Task Processing Unit according to performed by it can be divided into multiple function moulds
Block.The functional module may include: output module 201, starting module 202, receiving module 203, execution module 204, generate
Module 205 and determining module 206.The so-called module of the present invention refers to that one kind can be performed by least one processor and energy
The series of computation machine program segment of fixed function is enough completed, storage is in memory.In some embodiments, about each module
Function will be described in detail in subsequent embodiment.
Output module 201, at the interface of bank application APP, output to be carried to responsible investigation client's
Waiting task；
Starting module 202 starts described to be processed for receiving for when executing instruction of the waiting task
The process flow of task；
Receiving module 203, for receiving voice messaging in the implementation procedure of the process flow；
Execution module 204, for carrying out field data acquisition to responsible investigation client to described according to the voice messaging,
And/or risk assessment is carried out to responsible investigation client to described according to the voice messaging；
Generation module 205, for according to the field data and/or the risk assessment as a result, generating for described
Customer survey to responsible investigation client is reported；
Determining module 206, it is described to responsible investigation client for determining after the certification that the customer survey is reported passes through
Has the permission handled to open family business.
Optionally, in the implementation procedure of the process flow, receive voice messaging includes: the receiving module 203
In the implementation procedure of the process flow, long-range responsible investigation application is received；
When receiving for when going code of the long-range responsible investigation application, visual telephone is connected；
Voice messaging is received from the visual telephone.
Optionally, it is described to responsible investigation client be debt client, the holding in the process flow of receiving module 203
During row, receiving voice messaging includes:
In the implementation procedure of the process flow, multiple interview problems are exported, the interview problem is used for the debt
The assets of business client are investigated；
Receive the voice messaging that the debt client inputs the multiple interview problem；
The execution module 204 according to the voice messaging to it is described to responsible investigation client carry out risk assessment include:
Acquire micro- expressive features of the debt client；
According to the voice messaging and micro- expressive features, risk assessment is carried out to the debt client.
As an alternative embodiment, the Task Processing Unit further include:
First receives generation module, and for the output module 201 at the interface of bank application APP, output is taken
Before band needs the waiting task of responsible investigation client, what reception customer manager inputted on the bank APP is directed to described
To responsible investigation client to open family reservation application, and receive customer manager's mark of customer manager's input；According to
Described pair of open family reservation application and customer manager mark, generate the waiting task；Or
Second receives generation module, for receive it is described to responsible investigation client submitted on the bank APP to public affairs
Reservation of opening an account is applied；For described couple of open family reservation application distribution target customer manager；According to described pair of open family reservation application
And customer manager's mark of the target customer manager, generate the waiting task.
As an alternative embodiment, the Task Processing Unit further include:
Module is obtained, for the output module 201 at the interface of bank application APP, output is carried to the greatest extent
Before the waiting task of client is investigated in duty, the multiple potential customers having to open family business need are obtained；
Judgment module judges whether the potential customers meet the responsible tune of execution for being directed to each potential customers
Look into the customer requirement of task；
Sending module, if meeting the customer requirement for executing responsible investigation task for the potential customers, to described potential
Client sends wish confirmation request of opening an account；
The determining module 206 is also used to when the confirmation instruction for receiving wish confirmation request return of opening an account for described in
When, determine that the potential customers are to responsible investigation client；
The generation module 205 is also used to generate the waiting task described in carried to responsible investigation client.
As an alternative embodiment, the judgment module includes:
First judging submodule judges that the potential customers whether there is the account to open family；
First determines submodule, if there is the account to open family for the potential customers, determines the potential customers
The customer requirement for executing responsible investigation task is not met；Or
Second determines submodule, if the account to open family is not present for the potential customers, determines the potential visitor
Family meets the customer requirement for executing responsible investigation task.
As an alternative embodiment, the judgment module includes:
Second judgment submodule, for judging that the potential customers whether there is in wait list of opening an account；
Third determines submodule, if being present in for the potential customers wait determine the potential customers in list of opening an account
The customer requirement for executing responsible investigation task is not met；Or
4th determines submodule, if being not present in for the potential customers wait in list of opening an account, determine the potential visitor
Family meets the customer requirement for executing responsible investigation task.
As an alternative embodiment, the judgment module includes:
Third judging submodule, for judging whether the potential customers have record of bad behavior；
5th determines that submodule determines that the potential customers do not meet and hold if having record of bad behavior for the potential customers
The customer requirement of row responsible investigation task；Or
6th determines that submodule determines that the potential customers meet and hold if not having record of bad behavior for the potential customers
The customer requirement of row responsible investigation task.
In the Task Processing Unit described in Fig. 2, for open family business, it can directly be carried out by bank APP
Responsible investigation on line, i.e., all field investigation information and risk evaluation result can be collected and recorded by bank APP,
Without manual record, meanwhile, customer survey report is also directly according to the field data and/or the knot of the risk assessment
What fruit generated, avoiding problems information caused by manual record is not comprehensive or even the problem of distort, to not only can simplify whole
The process of a responsible investigation, saves the time, at the same time it can also ensure the authenticity of customer survey report.
As shown in figure 3, Fig. 3 is the structural representation of the electronic equipment for the preferred embodiment that the present invention realizes task processing method
Figure.The electronic equipment 3 includes memory 31, at least one processor 32, is stored in the memory 31 and can be described
The computer program 33 and at least one communication bus 34 run at least one processor 32.
It will be understood by those skilled in the art that schematic diagram shown in Fig. 3 is only the example of the electronic equipment 3, not
The restriction to the electronic equipment 3 is constituted, may include components more more or fewer than diagram, or combine certain components, or
The different component of person, such as the electronic equipment 3 can also include input-output equipment, network access equipment etc..
The electronic equipment 3 further include but be not limited to any one can be with user by keyboard, mouse, remote controler, touch
The modes such as plate or voice-operated device carry out the electronic product of human-computer interaction, for example, personal computer, tablet computer, smart phone, a
Personal digital assistant (Personal Digital Assistant, PDA), game machine, Interactive Internet TV (Internet
Protocol Television, IPTV), intellectual wearable device etc..Network locating for the electronic equipment 3 includes but not
It is limited to internet, wide area network, Metropolitan Area Network (MAN), local area network, Virtual Private Network (Virtual Private Network, VPN) etc..
At least one described processor 32 can be central processing unit (Central Processing Unit, CPU),
It can also be other general processors, digital signal processor (Digital Signal Processor, DSP), dedicated integrated
Circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..The processor 32 can be microprocessor or the processor 32 is also possible to any conventional processor
Deng the processor 32 is the control centre of the electronic equipment 3, utilizes various interfaces and the entire electronic equipment 3 of connection
Various pieces.
The memory 31 can be used for storing the computer program 33 and/or module/unit, and the processor 32 passes through
Operation executes the computer program and/or module/unit being stored in the memory 31, and calls and be stored in memory
Data in 31 realize the various functions of the electronic equipment 3.The memory 31 can mainly include storing program area and storage
Data field, wherein storing program area can application program needed for storage program area, at least one function (for example sound plays
Function, image player function etc.) etc.；Storage data area, which can be stored, uses created data (such as sound according to electronic equipment 3
Frequency evidence, phone directory etc.) etc..In addition, memory 31 may include high-speed random access memory, it can also include non-volatile
Memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card), at least one disk memory, flush memory device or other
Volatile solid-state part.
In conjunction with Fig. 1, the memory 31 in the electronic equipment 3 stores multiple instruction to realize a kind of task processing side
The multiple instruction can be performed to realize in method, the processor 32:
On the interface of bank application APP, output carries the waiting task to responsible investigation client；
It is receiving for when executing instruction of the waiting task, is starting the process flow of the waiting task；
In the implementation procedure of the process flow, voice messaging is received；
Field data acquisition is carried out to responsible investigation client to described according to the voice messaging, and/or, according to institute's predicate
Message breath carries out risk assessment to responsible investigation client to described；
According to the field data and/or the risk assessment as a result, generating for described to responsible investigation client's
Customer survey report；
After the certification of customer survey report passes through, has described in determination to responsible investigation client and handle to open family
The permission of business.
It is described in the implementation procedure of the process flow in a kind of optional embodiment, receive voice messaging packet
It includes:
In the implementation procedure of the process flow, long-range responsible investigation application is received；
When receiving for when going code of the long-range responsible investigation application, visual telephone is connected；
Voice messaging is received from the visual telephone.
In a kind of optional embodiment, it is described to responsible investigation client be debt client, it is described in the processing stream
In the implementation procedure of journey, receiving voice messaging includes:
In the implementation procedure of the process flow, multiple interview problems are exported, the interview problem is used for the debt
The assets of business client are investigated；
Receive the voice messaging that the debt client inputs the multiple interview problem；
It is described to include: to responsible investigation client progress risk assessment to described according to the voice messaging
Acquire micro- expressive features of the debt client；
According to the voice messaging and micro- expressive features, risk assessment is carried out to the debt client.
Described on the interface of bank application APP in a kind of optional embodiment, output is carried to responsible
Before the waiting task for investigating client, the multiple instruction is can be performed to realize in the processor 32:
Receive the reserving to open family to responsible investigation client for described in that customer manager inputs on the bank APP
Application, and receive customer manager's mark of customer manager's input；Applied according to described pair of open family reservation and described
Customer manager's mark, generates the waiting task；Or
Open family reservation is applied to what responsible investigation client submitted on the bank APP described in receiving；It is described right
Open family reservation application distribution target customer manager；It is handled according to described pair of open family reservation application and the target customer
Customer manager's mark, generates the waiting task.
Described on the interface of bank application APP in a kind of optional embodiment, output is carried to responsible
Before the waiting task for investigating client, the multiple instruction is can be performed to realize in the processor 32:
Obtain the multiple potential customers having to open family business need；
For each potential customers, judges whether the potential customers meet and execute the client of responsible investigation task and want
It asks；
If the potential customers meet the customer requirement for executing responsible investigation task, Xiang Suoshu potential customers send meaning of opening an account
It is willing to confirmation request；
When receiving the confirmation instruction for the wish confirmation request return of opening an account, determine the potential customers be to
Responsible investigation client；
It generates and carries the waiting task to responsible investigation client.
It is described to judge whether the potential customers meet execution responsible investigation task in a kind of optional embodiment
Customer requirement includes:
Judge that the potential customers whether there is the account to open family；
If the potential customers have the account to open family, determines that the potential customers do not meet and execute responsible investigation times
The customer requirement of business；Or
If the account to open family is not present in the potential customers, determines that the potential customers meet and execute responsible investigation times
The customer requirement of business.
It is described to judge whether the potential customers meet execution responsible investigation task in a kind of optional embodiment
Customer requirement includes:
Judge that the potential customers whether there is in wait list of opening an account；
If the potential customers, which are present in, executes responsible investigation times wait in list of opening an account, determine that the potential customers do not meet
The customer requirement of business；Or
If the potential customers are not present in executing responsible investigation times wait in list of opening an account, determine that the potential customers meet
The customer requirement of business.
Specifically, the processor 32 can refer to the concrete methods of realizing of above-metioned instruction related in Fig. 1 corresponding embodiment
The description of step, this will not be repeated here.
In the electronic equipment 3 described in Fig. 3, for open family business, it can directly be carried out on line by bank APP
Responsible investigation, i.e., all field investigation information and risk evaluation result can be collected and recorded by bank APP, and nothing
Manual record is needed, meanwhile, customer survey report is also directly raw according to the field data and/or the result of the risk assessment
At, avoiding problems information caused by manual record is not comprehensive or even the problem of distort, thus not only can simplify it is entire to the greatest extent
The process of duty investigation, saves the time, at the same time it can also ensure the authenticity of customer survey report.
If the integrated module/unit of the electronic equipment 3 is realized in the form of SFU software functional unit and as independent
Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention is real
All or part of the process in existing above-described embodiment method, can also instruct relevant hardware come complete by computer program
At the computer program can be stored in a computer readable storage medium, which is being executed by processor
When, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, described
Computer program code can be source code form, object identification code form, executable file or certain intermediate forms etc..The meter
Calculation machine readable medium may include: can carry the computer program code any entity or device, recording medium, USB flash disk,
Mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory
Device (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to the requirement made laws in jurisdiction with patent practice
When increase and decrease, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium does not include electric carrier wave letter
Number and telecommunication signal.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the module
It divides, only a kind of logical function partition, there may be another division manner in actual implementation.
The module as illustrated by the separation member may or may not be physically separated, aobvious as module
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.Some or all of the modules therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
It, can also be in addition, each functional module in each embodiment of the present invention can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds software function module.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included in the present invention.Any attached associated diagram label in claim should not be considered as right involved in limitation to want
It asks.Furthermore, it is to be understood that one word of " comprising " does not exclude other units or steps, odd number is not excluded for plural number.It is stated in system claims
Multiple units or device can also be implemented through software or hardware by a unit or device.Second equal words are used to table
Show title, and does not indicate any particular order.
Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference
Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention
Technical solution is modified or equivalent replacement, without departing from the spirit and scope of the technical solution of the present invention.
Claims (10)
1. a kind of task processing method, which is characterized in that the described method includes:
On the interface of bank application APP, output carries the waiting task to responsible investigation client；
It is receiving for when executing instruction of the waiting task, is starting the process flow of the waiting task；
In the implementation procedure of the process flow, voice messaging is received；
Field data acquisition is carried out to responsible investigation client to described according to the voice messaging, and/or, believed according to the voice
Breath carries out risk assessment to responsible investigation client to described；
According to the field data and/or the risk assessment as a result, generating for the client to responsible investigation client
Survey report；
After the certification of customer survey report passes through, has described in determination to responsible investigation client and handle to open family business
Permission.
2. the method according to claim 1, wherein described in the implementation procedure of the process flow, reception
Voice messaging includes:
In the implementation procedure of the process flow, long-range responsible investigation application is received；
When receiving for when going code of the long-range responsible investigation application, visual telephone is connected；
Voice messaging is received from the visual telephone.
3. the method according to claim 1, wherein it is described to responsible investigation client be debt client, it is described
In the implementation procedure of the process flow, receiving voice messaging includes:
In the implementation procedure of the process flow, multiple interview problems are exported, the interview problem is used for the debt visitor
The assets at family are investigated；
Receive the voice messaging that the debt client inputs the multiple interview problem；
It is described to include: to responsible investigation client progress risk assessment to described according to the voice messaging
Acquire micro- expressive features of the debt client；
According to the voice messaging and micro- expressive features, risk assessment is carried out to the debt client.
4. according to the method in any one of claims 1 to 3, which is characterized in that the boundary in bank application APP
On face, before output carries the waiting task to responsible investigation client, the method also includes:
What reception customer manager inputted on the bank APP reserves Shen to open family to responsible investigation client for described
Please, and the customer manager of reception customer manager's input identifies；According to described pair of open family reservation application and the visitor
Family manager's mark, generates the waiting task；Or
Open family reservation is applied to what responsible investigation client submitted on the bank APP described in receiving；For described pair of disclosure
Family reservation application distribution target customer manager；According to described pair of open family reservation application and the client of target customer manager
Manager's mark, generates the waiting task.
5. according to the method in any one of claims 1 to 3, which is characterized in that the boundary in bank application APP
On face, before output carries the waiting task to responsible investigation client, the method also includes:
Obtain the multiple potential customers having to open family business need；
For each potential customers, judge whether the potential customers meet the customer requirement for executing responsible investigation task；
If the potential customers meet the customer requirement for executing responsible investigation task, it is true that Xiang Suoshu potential customers send wish of opening an account
Recognize request；
When receiving the confirmation instruction for the wish confirmation request return of opening an account, determine that the potential customers are to responsible
Investigate client；
It generates and carries the waiting task to responsible investigation client.
6. according to the method described in claim 5, it is characterized in that, described judge whether the potential customers meet execution and fulfil the duty
The customer requirement of survey tasks includes:
Judge that the potential customers whether there is the account to open family；
If the potential customers have the account to open family, determines that the potential customers do not meet and execute responsible investigation task
Customer requirement；Or
If the account to open family is not present in the potential customers, determines that the potential customers meet and execute responsible investigation task
Customer requirement.
7. according to the method described in claim 5, it is characterized in that, described judge whether the potential customers meet execution and fulfil the duty
The customer requirement of survey tasks includes:
Judge that the potential customers whether there is in wait list of opening an account；
If the potential customers, which are present in, executes responsible investigation task wait in list of opening an account, determine that the potential customers do not meet
Customer requirement；Or
If the potential customers are not present in executing responsible investigation task wait in list of opening an account, determine that the potential customers meet
Customer requirement.
8. a kind of Task Processing Unit, which is characterized in that the Task Processing Unit includes:
Output module, at the interface of bank application APP, output to carry to be processed to responsible investigation client
Business；
Starting module starts the waiting task for receiving for when executing instruction of the waiting task
Process flow；
Receiving module, for receiving voice messaging in the implementation procedure of the process flow；
Execution module is used to carry out field data acquisition to responsible investigation client to described according to the voice messaging, and/or,
Risk assessment is carried out to responsible investigation client to described according to the voice messaging；
Generation module, for being adjusted for described to responsible as a result, generating according to the field data and/or the risk assessment
Look into the customer survey report of client；
Determining module, for having described in determination to responsible investigation client and doing after the certification that the customer survey is reported passes through
Manage the permission to open family business.
9. a kind of electronic equipment, which is characterized in that the electronic equipment includes processor and memory, and the processor is for holding
The computer program stored in line storage is to realize task processing method as claimed in any of claims 1 to 7 in one of claims.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has at least one
Task processing as claimed in any of claims 1 to 7 in one of claims is realized in instruction, at least one described instruction when being executed by processor
Method.
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| CN201910441777.4A CN110322116A (en) | 2019-05-24 | 2019-05-24 | Task processing method, device, electronic equipment and storage medium |
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| CN201910441777.4A CN110322116A (en) | 2019-05-24 | 2019-05-24 | Task processing method, device, electronic equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112053051A (en) * | 2020-08-27 | 2020-12-08 | 中信银行股份有限公司 | Due diligence application system and information processing method thereof |
| CN116708702A (en) * | 2023-06-05 | 2023-09-05 | 深圳市银雁科技有限公司 | Video verification method, platform, medium and system for financial institution customer |
| CN116797001A (en) * | 2023-08-16 | 2023-09-22 | 四川享宇科技有限公司 | Management system and method for financial industry practitioners |
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