CN111192008B

CN111192008B - Self-help guiding system and method

Info

Publication number: CN111192008B
Application number: CN201911359371.8A
Authority: CN
Inventors: 梁沛森; 薛弋达; 黄伟亮; 陈楚溪; 陈碧君; 龙润丝
Original assignee: Guangdong Kamfu Technology Co ltd
Current assignee: Guangdong Kamfu Technology Co ltd
Priority date: 2019-12-25
Filing date: 2019-12-25
Publication date: 2023-06-27
Anticipated expiration: 2039-12-25
Also published as: CN111192008A

Abstract

The invention relates to a self-help guiding system and a self-help guiding method, wherein the self-help guiding method comprises the following steps: acquiring a guide transaction item and user information; after verifying the user information, carrying out identity examination according to the user information; determining handling information according to the physical examination result; and feeding back the transacted information. After the guide and handling items and the user information are acquired, the user information is verified, identity examination is performed according to the user information, and finally the handling information is determined according to the examination result, so that intelligent guide and handling is realized.

Description

Self-help guiding system and method

Technical Field

The invention relates to the technical field of computers, in particular to a self-help guiding system and a self-help guiding method.

Background

At present, tax payers can always meet these or those problems when dealing with tax-related business in a tax office, and poor tax experience is easily caused by more queuing people in the tax office; the hall personnel face the business handled by the tax payer and encounter various problems, and the integral tax handling efficiency is difficult to improve. The specific problems are as follows:

1. the tax payer identity information is not clear, and the consultation guide post cannot accurately provide service and information.

2. Tax payers transact in the foreground, and due to tax related matters such as information deficiency, tax deficiency, incomplete payment and the like, the tax payers run in multiple heads and run repeatedly.

3. The tax payer arrives at the entity tax office, and the tax-related business to be transacted can be transacted quickly through which channels, even the tax payer is faced with various businesses and does not know which paper forms to fill and submit which data, so that the tax can be transacted blindly, and the time and the cost are consumed.

4. The tax service hall of tax office has many and messy tax service which needs to be processed, and the workload of tax guiding staff of the tax service hall is great. Therefore, in the manual tax guiding process of the tax service hall, the tax guiding staff is tired in guiding due to large flow of people, the policy reading is not understood due to uneven knowledge level of tax payers, the working error of guiding and interpreting is serious due to artificial emotion influence, the tax guiding staff can go on duty after professional training is needed, and the practical operation problems such as fatigue, low working efficiency and the like are easy to bring in long-time guiding.

Based on the above, an intelligent guiding scheme for the entity hall is necessary.

Disclosure of Invention

First, the technical problem to be solved

In order to solve the above problems in the prior art, the present invention provides a self-help guiding system and method.

(II) technical scheme

In order to achieve the above purpose, the main technical scheme adopted by the invention comprises the following steps:

a self-help lead method, the method comprising:

s101, acquiring a guide transaction item and user information;

s102, after verifying the user information, carrying out identity examination according to the user information;

s103, determining handling information according to the physical examination result;

s104, feeding back the handling information.

Optionally, each user corresponds to only one piece of user information, and each user corresponds to at least one business item;

in S102, performing identity check according to the user information specifically includes:

s102-1, determining the states of related business matters according to the user information, wherein the states are normal or abnormal;

s102-2, for related business matters with time limit constraint, determining the effective time limit of each item, wherein the effective time limit is positive number, which indicates that the constraint time limit is not reached, negative number, which indicates that the constraint time limit is exceeded, and 0, which indicates that the day is the last day of the constraint time limit; for related business matters without time constraint, determining the effective time limit of each item to be positive infinity;

s102-3, identity examination is carried out according to the state and the effective time limit of the business items.

Optionally, the step S102-3 includes:

for business matters with abnormal states or negative effective time limit, determining that the physical examination result is abnormal;

for business matters with normal states and non-positive effective time limit, the physical examination result is determined to be early warning

For business matters with normal states and positive effective time limits, determining the physical examination result according to the effective time limits.

Optionally, for the business item with normal status and positive valid time limit, determining the physical examination result according to the valid time limit includes:

for any business item whose state is normal, but whose validity time limit is positive,

determining a maximum validity period Tmax of any business item;

determining a ratio t=ti/Tmax, wherein Ti is an effective time limit of any service item;

if T is less than Tmax/2, or T is more than or equal to Tmax/2 but Ti is less than 2 months, determining that the physical examination result of any business item is early warning;

if T is more than or equal to Tmax/2 and Ti is more than or equal to 2 months, determining that the physical examination result of any business item is normal.

Optionally, the step S103 specifically includes:

s103-1, determining business matters with association relation with the guide and transaction item as transaction information;

s103-2, determining business matters which have no association relation with the backlog matters but have abnormal physical examination results and early warning as handling information;

s103-3, forming final transacted information according to the business relation between the transacted information obtained in S103-1 and S103-2.

Optionally, the backlog is a business guide item or a business consultation item;

the step S103-3 specifically comprises the following steps:

if the guide transaction item is a business consultation item, forming a business transaction guide according to the business relation between the transaction information obtained in S103-1 and S103-2; determining the business handling guide as final handling information;

if the guide transaction item is a business guide item, determining a corresponding transaction object according to the transaction information obtained in S103-1 and S103-2, and determining final transaction information according to the transaction object.

Optionally, determining final transacting information according to the transacting object, including:

if the number of the transacted objects is 1, determining the information of the transacted objects as final transacted information;

if the number of the handling objects is multiple, determining the distance dj between each handling object and the current position, determining the current service saturation Cj of each handling object, and determining final handling information according to the distance dj between each handling object and the current position and the current service saturation Cj of each handling object;

and j is a transacted object identifier.

Optionally, the cj=the number of services in the queue of the transaction object j is equal to the preset average service duration (1+|the current service already-preset average service duration|/preset average service duration of the transaction object j).

Optionally, the determining the final transaction information according to the distance dj between each transaction object and the current position and the current service saturation Cj of each transaction object includes:

calculating the value Ej of dj/1.2-Cj;

selecting information of a transaction object corresponding to j with the largest k1 x Ej+k2/dj as final transaction information;

wherein k1 and k2 are preset coefficients.

In order to achieve the above purpose, the main technical scheme adopted by the invention further comprises:

a self-help lead system, the system comprising:

the acquisition module is used for acquiring the guide transaction item and the user information;

the verification module is used for carrying out identity examination according to the user information after verifying the user information;

the determining module is used for determining handling information according to the physical examination result;

and the feedback module is used for feeding back the transacting information.

(III) beneficial effects

The beneficial effects of the invention are as follows: after the guide and handling items and the user information are acquired, the user information is verified, then the identity examination is carried out according to the user information, and finally the handling information is determined according to the examination result, so that intelligent guide and handling is realized. .

Drawings

FIG. 1 is a flow chart of a self-help guiding method according to an embodiment of the present application;

FIG. 2 is a schematic flow chart of a self-service guiding method according to an embodiment of the present application;

FIG. 3 is a flowchart illustrating another embodiment of a self-service guiding method according to an embodiment of the present disclosure;

FIG. 4 is a flowchart illustrating another embodiment of a self-service guiding method according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a self-help guiding system according to an embodiment of the present application.

Detailed Description

The invention will be better explained by the following detailed description of the embodiments with reference to the drawings.

In order to further deepen the working requirements of two burden reduction, the gold-endowing technology proposes to build an intelligent guiding and handling system, which is applied to the intelligent consultation and tax assistance of tax-related business, relies on an informatization system such as a gold tax three-period core investigation management system, an electronic file system and the like, and builds an intelligent guiding and handling system of an entity hall.

At present, tax payers can always meet these or those problems when dealing with tax-related business in a tax office, and poor tax experience is easily caused by more queuing people in the tax office; the hall personnel face the business handled by the tax payer and encounter various problems, and the integral tax handling efficiency is difficult to improve.

Therefore, it is necessary to construct an intelligent guiding system of the entity hall through the guiding method.

The proposal provides a self-help guiding and handling method, which is shown in fig. 1, and the implementation flow of the method is as follows:

s101, acquiring a guide transaction item and user information.

The backlog may be a consultation flow, or a tax payment, etc. The present embodiment does not limit the lead rectangle.

The backlog may be one item or a plurality of items.

For an individual user, the user information may be identification card information of the user, or information such as a social security card number capable of identifying a unique identity of the individual user. For enterprise users, the user information may be tax payer identification number or other information capable of identifying the unique identity of the enterprise user.

For convenience of description, this embodiment and the following embodiments will be described by taking a tax payment scenario of an enterprise user as an example.

S102, after verifying the user information, carrying out identity examination according to the user information.

Each user corresponds to only one piece of user information, and each user corresponds to at least one business item.

For example, each enterprise user corresponds to a plurality of tax payment items, such as income tax, printing tax and the like, and the personal income tax is a business item.

The implementation process of the steps is as follows:

s102-1, determining relevant business event states according to user information.

Wherein the state is normal or abnormal.

For example, if no printing tax is paid, the status of the business item is abnormal.

S102-2, for related business matters with time limit constraint, determining the effective time limit of each item.

Wherein a valid time limit of positive number indicates that the constraint period is not reached, a negative number indicates that the constraint period is exceeded, and a 0 indicates that the day is the last day of the constraint period. For related business matters without time constraint, the effective time limit of each item is determined to be positive infinity.

For example, when the current time is 2019, 11, 1, and printing tax is required to be paid before 2019, 11, 20, then the current time is not the last day (2019, 11, 20), and the effective time limit is 20 days from 11, 1 to 11, 20.

For another example, when the current time is 2019, 11 and 21 days, and printing tax is required to be paid before 2019, 11 and 20 days, the current time exceeds the last day (2019, 11 and 20 days), and the effective time limit is-1 day from 11, 21 days to 11, 20 days.

The current time is 11 months and 20 days in 2019, and the printing tax is required to be paid before 11 months and 20 days in 2019, then the current time is the last day (20 days in 2019, 11 months) and the effective time limit is 0 day.

In particular, the method comprises the steps of,

1) For business matters with abnormal states or negative effective time limit, determining that the physical examination result is abnormal.

That is, the status is abnormal, or the business item exceeding the time limit is an abnormal item.

2) For business matters with normal states and non-positive effective time limit, the physical examination result is determined to be early warning.

I.e. the status is normal, but the time limit is exceeded, or the current business item which is the last day of the time limit is used as the early warning item.

3) For business matters with normal states and positive effective time limit, the physical examination result is determined according to the effective time limit.

In particular, for any business item whose status is normal, but whose effective time limit is positive,

the maximum validity period Tmax of any traffic event is determined.

The ratio t=ti/Tmax is determined, where Ti is the effective time limit of any traffic event.

If T is less than Tmax/2, or T is more than or equal to Tmax/2 but Ti is less than 2 months, the physical examination result of any business item is determined to be early warning.

If T is more than or equal to Tmax/2 and Ti is more than or equal to 2 months, the physical examination result of any business item is determined to be normal.

If tax A is paid within 2 months, tmax is 2 months, and if the deadline of the current time interval is only 1 month, ti is 1 month. T=0.5, tmax/2=1, T < tmax/2 determines that the physical examination result of any business item is early warning.

When the physical examination result is determined, the effective time limit is dynamically determined based on the state, and the result is more in line with the current situation of the business item, so that the accuracy of subsequent guiding is ensured.

S103, determining handling information according to the physical examination result.

The method comprises the following steps:

s103-1, determining business matters with association relation with the lead transaction item as transaction information.

S103-2, determining business matters which have no association relation with the backlog matters but have abnormal physical examination results and early warning as handling information.

The backlog is a business guide item or a business consultation item.

For example, business matters to be transacted such as tax payment are business guide matters, and inquiry business matters such as consultation payment flow are business consultation matters.

S103-3 specifically comprises:

if the conducting item is a business consultation item, a business handling guide is formed according to the business relation between the handling information obtained in S103-1 and S103-2. And determining the business transaction guide as final transaction information.

If the lead transaction item is a business guide item, corresponding transaction objects are determined according to the transaction information obtained in S103-1 and S103-2, and final transaction information is determined according to the transaction objects.

In particular, the method comprises the steps of,

if the number of the transacted objects is 1, the information of the transacted objects is determined as final transacted information.

If the number of the transaction objects is multiple, determining the distance dj between each transaction object and the current position, determining the current service saturation Cj of each transaction object, and determining the final transaction information according to the distance dj between each transaction object and the current position and the current service saturation Cj of each transaction object.

Wherein j is a transacted object identifier.

Cj=number of services in queue of the transaction object j =preset average service duration (1+|current service already-preset average service duration|/preset average service duration of the transaction object j).

Determining final handling information according to the distance dj between each handling object and the current position and the current service saturation Cj of each handling object, wherein the specific implementation flow is as follows: the value Ej of dj/1.2-Cj is calculated. And selecting the information of the transaction object corresponding to j with the largest k1 x Ej+k2/dj as the final transaction information.

Wherein k1 and k2 are preset coefficients.

In this step, if the number of the objects is 1, the information of the objects is the final information.

If the number of the transaction objects is plural, information of one transaction object is selected as final information.

The selection basis is the distance from the processing object to the current position and the current service saturation of the processing object.

Wherein the saturation is related to the duration of handling the object to be handled and the duration of handling the current service.

During selection, dj/1.2 (the time of the position of the transacted object reached at the speed of 1.2 meters per second) is determined first, and when the time of the transacted object reached by the user is obtained according to the difference between the event and the saturation, the transacted object can only shoot the user after transacting the service for how long, namely, the waiting time of the user.

The waiting time and the distance are comprehensively considered, and finally, a transacted object is determined.

Compared with simple distance selection (more likely to cause more business processed by the selected transacted objects and longer waiting time), or simple waiting time selection (more likely to cause more remote selected transacted objects), the transacted objects selected by the method can meet the user requirements more and improve the user experience.

S104, feeding back handling information.

The guiding system constructed by the guiding method provided by the embodiment has the following advantages:

1. pushing real-name tax

And building a service type government. The tax authorities can respond to personalized service demands of tax payers more timely by analyzing real-name tax information, reasonably arrange service resources, innovately develop customized services, and improve service accuracy.

Promoting the construction of an integrity system. The method is characterized in that an honest tax record is established by relying on real-name tax information, and the honest tax record is closely related to credit level evaluation, so that a 'green light' of a daemon and a 'everywhere limited' of a believer are realized.

Hit tax violations. The identity information collection function of real-name tax administration has traceability on tax administration personnel information. Reliable evidence and clues can be provided for pursuing responsibility, tax illegal behaviors can be effectively hit, potential illegal criminals can be frightened, and the occurrence probability of the illegal behaviors is reduced. Meanwhile, after leaving the duty, tax staff can change real-name tax information in time, so that the problems of missing and error of basic collection management data and the like can be effectively solved, the collection management data quality is improved, and the collection management basis is tamped.

2. Reducing tax authority workload

And the tax guiding efficiency is improved. The tax payer only needs to click and inquire the required business through a self-service mode on the intelligent guide system, paper materials and filled forms required by the business are prepared according to the needs, the defect of tax handling materials is reduced, and the on-line and front office efficiency is improved. Meanwhile, tax payers can be rapidly guided to different channels for tax handling, so that accurate distribution and intelligent guiding are achieved.

The utilization rate of tax authority resources is improved. The tax organization can conduct tax-assisting guiding by manpower, and meanwhile, the professional capability requirements on tax guiding and tax assisting staff are reduced. The tax resource utilization rate of tax authorities is improved through means of intellectualization, big data and the like.

3. Accelerating tax payment service informatization construction

And further building and perfecting an informationized tax payment service channel. Along with the comprehensive expansion of the improvement of the tax, the online tax handling channels are continuously enriched, the popularization and the application of the self-service tax handling terminal are accelerated, the informationized construction of the tax handling service hall is accelerated, the informationized tax handling service means are continuously enriched by means of informationized technology, the informationized tax handling service means are constructed, the tax handling experience of tax payers is improved, and good quotation relations are maintained.

And a plurality of service platforms are effectively integrated, and an 'integrated' application system is built. Along with the continuous deep information construction, tax authorities successively build a series of information systems with various characteristics, such as an electronic tax bureau, an electronic file system, a queuing and number calling system, an online reservation tax handling system and the like, and through the construction of an integrated intelligent guiding and handling system, the organic combination of various business links is realized, so that an information means implements the whole tax service flow.

4. Construction for improving tax-paying early-warning capability

Through an omnibearing information acquisition way and an intelligent big data processing technology, enterprise tax data acquisition, classified cleaning, screening emphasis and intelligent analysis are carried out regularly, a dynamic risk assessment report of a tax payer is obtained, the tax payer with higher risk degree is subjected to instant early warning, point, line and surface organic combination, and the tax leakage occurrence probability of the tax payer is further predicted through long-term accumulation of tax risk assessment of the tax payer, so that prevention and monitoring are carried out in advance, the service and promotion effects of data analysis in the aspects of macroscopic decision making, mesoscopic management, microscopic risk identification and the like are fully exerted, and the governmental administration capability of tax service is continuously enhanced.

The implementation method provided in this embodiment may be as shown in fig. 2.

1. The tax payer goes to the tax hall, logs in to the intelligent guide terminal, and lightly touches the system interface to enter operation.

2. The tax payer can operate the intelligent guiding and handling system to carry out identity verification and real-name information verification through face recognition or identity cards.

3. After the identity verification is finished, the function of the needed consultation can be freely selected, and a physical examination report can be output on the self tax-paying condition through the 'identity physical examination'.

4. Tax payers can carry out tax related business consultation in a voice or click screen mode, and the tax related business consultation comprises a business handling flow of consultation business, a business handling channel, required data handling and the like.

5. After the consultation is finished, the appointment calling or the on-site calling can be directly carried out.

The system realized by the guiding and handling method provided by the embodiment consists of two parts, namely service guide and service consultation, wherein the service guide realizes the distribution of tax payers and services, and the system handles the services according to the tax handling requirements of the tax payers and guides the tax handling requirements to channels such as an online declaration area (electronic tax bureau), a self-service tax handling terminal, an intelligent tax handling service hall, a manual window and the like. The business consultation provides professional and accurate consultation services, provides contents such as a business guide, a 12366 knowledge base and the like for tax payers to inquire related matters by self, provides special consultation modules for tax hotspot problems (such as individual tax reform, tax preferential and the like) to inquire the tax payers quickly, and the system can realize physical examination of the tax payers, form tax-related 'health reports', provide professional tax behavior analysis reports for tax staff and the tax payers, provide professional tax administration guides according to report results and realize accurate coaching. The intelligent guide system supports consultation modes such as self-service search query, voice recognition query, on-line manual service and the like.

1. Traffic splitting

1) The system intelligently recommends tax payers to go to electronic tax bureau, self-service tax terminal, intelligent tax service hall and entity tax service hall (artificial hall) for transacting according to the reservation result of the tax payers or the self-service selection transacting function.

2. Face recognition

2) The system carries out 1 through a real name library by interfacing with an electronic tax bureau real name tax handling system: and N searching, namely searching and comparing the real-name photos. And prompting tax payer information and identity confirmation after the comparison search is successful.

3. Service inquiry

1) And (5) self-service inquiry. The tax guide is provided for the tax payer to inquire, grasp the pre-transaction, the transaction requirement and the flow of the transaction, and the tax payer inquires by self by using a knowledge directory tree or a searching tool in a fuzzy inquiry mode.

2) And (5) voice consultation. The system identifies the natural language of the taxpayer, simultaneously identifies the semantic information of the taxpayer, retrieves a knowledge base according to the semantic understanding result and feeds back the query result, and the fed back result is fed back to the taxpayer through voice. Support the main languages of Mandarin, guangdong, and the like.

4. Manual consultation

1) The manual consultation service is provided as a supplementary query means, and the tax payer can select the manual service on the premise that the self-service query and the voice query can not provide results.

5. Hot spot consultation

1) The tax bureau provides a targeted consultation guide and handling channel according to the policy hotspot, and the tax payer can consult corresponding policies and policy interpretation according to the targeted consultation guide and handling channel and acquire professional manual consultation services.

6. Accurate guide

1) After identifying the business required by the tax payer, carrying out intelligent physical examination on the tax payer, checking whether the tax payer meets all the preconditions for handling the business, including whether the risks of overdue, arrearage and the like exist, whether the tax payer is locked and the like, and giving relative processing guidance; and providing a tax bill of materials for self-checking by the tax payer.

For example, fig. 3 shows a flow chart of a tax payer consultation guiding software enterprise value-added tax, i.e. a review qualification record, implemented by the guiding method according to the present embodiment.

For example, the technical flow chart shown in fig. 4:

1. the user receives the sound sent by the user through the microphone or the pickup in a directional way;

2. the pick-up receives voice;

3. after receiving the voice, carrying out transition recognition by calling an AI algorithm;

4. after voice recognition, converting the voice into characters through an audio file;

5. the system extracts keywords and words from the words after voice conversion through semantic analysis and natural language processing;

6. sending the keywords and the vocabulary to a knowledge base, and carrying out full text retrieval on the keywords;

7. returning a hit answer after the search is successful;

8. the system listens to the voice synthesis capability and converts the answers into voice files;

9. the system plays the voice through a microphone or a loudspeaker.

Overlay AI capability:

1. speech recognition

2. Semantic analysis

3. Natural language processing

4. Knowledge graph retrieval

5. Speech synthesis

According to the method provided by the embodiment, after the backlog and the user information are obtained, the user information is verified, then the identity examination is carried out according to the user information, and finally the handling information is determined according to the examination result, so that intelligent backlog is realized.

Referring to fig. 5, the present embodiment provides a self-help guiding system, which has the same implementation concept as the embodiment of any one of fig. 1 to 4.

Specifically, the system comprises:

an acquiring module 501, configured to acquire a conducting item and user information;

the verification module 502 is configured to perform identity check according to the user information after verifying the user information;

a determining module 503, configured to determine handling information according to the physical examination result;

and the feedback module 504 is used for feeding back the handling information.

verification module 502 is specifically configured to:

s102-1, determining the states of related business matters according to user information, wherein the states are normal or abnormal;

Wherein S102-3 comprises:

For business matters with normal states and positive effective time limit, the physical examination result is determined according to the effective time limit.

Optionally, for the business item with normal state and positive valid time limit, determining the physical examination result according to the valid time limit includes:

determining a maximum validity period Tmax of any business item;

The determining module 503 is specifically configured to:

s103-1, determining business matters with association relation with the lead transaction item as transaction information;

s103-2, determining business items which have no association relation with the backlog items but have abnormal physical examination results and early warning as handling information;

Optionally, the backlog is a business guide item, or a business consultation item;

wherein S103-3 specifically comprises:

if the conducting item is a business consultation item, forming a business handling guide according to the business relation between the handling information obtained in S103-1 and S103-2; determining a business handling guide as final handling information;

j is a transacted object identifier;

Optionally, determining the final transacting information according to the distance dj of each transacting object from the current position and the current service saturation Cj of each transacting object includes:

calculating the value Ej of dj/1.2-Cj;

wherein k1 and k2 are preset coefficients.

According to the system provided by the embodiment, after the backlog and the user information are acquired, the user information is verified, then the identity examination is performed according to the user information, and finally the handling information is determined according to the examination result, so that intelligent backlog is realized.

It should be understood that the invention is not limited to the particular arrangements and instrumentality described above and shown in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present invention are not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between steps, after appreciating the spirit of the present invention.

It should also be noted that the exemplary embodiments mentioned in this disclosure describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, or may be performed in a different order from the order in the embodiments, or several steps may be performed simultaneously.

Finally, it should be noted that: the embodiments described above are only for illustrating the technical solution of the present invention, and are not limiting; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced with equivalents; such modifications and substitutions do not depart from the spirit of the invention.

Claims

1. A self-help lead method, the method comprising:

s101, acquiring a guide transaction item and user information;

s104, feeding back the handling information;

wherein each user corresponds to only one piece of user information, and each user corresponds to at least one business item;

2. The method according to claim 1, wherein S102-3 comprises:

for business matters with normal states and non-positive effective time limit, determining that the physical examination result is early warning;

3. The method according to claim 2, wherein for the business item whose status is normal but whose validity time limit is positive, determining the physical examination result according to the validity time limit includes:

determining a maximum validity period Tmax of any business item;

4. A method according to claim 3, wherein S103 specifically comprises:

5. The method of claim 4, wherein the backlog is a business guideline or a business consultation;

the step S103-3 specifically comprises the following steps:

6. The method of claim 5, wherein determining final transaction information based on the transaction object comprises:

and j is a transacted object identifier.

7. The method of claim 6, wherein Cj = number of transactions in a queue of transaction objects j × a preset average transaction duration (1+|transaction object j current transaction duration-preset average transaction duration|/preset average transaction duration).

8. The method of claim 7, wherein determining final transaction information based on the distance dj of each transaction object from the current location and the current traffic saturation Cj of each transaction object comprises:

calculating the value Ej of dj/1.2-Cj;

wherein k1 and k2 are preset coefficients.