CN111736937B - Service processing method and device - Google Patents
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Abstract
The invention discloses a service processing method and a device, wherein the method comprises the following steps: acquiring current time behavior data when a user transacts a service application; determining the user operation type at the current moment according to the behavior data at the current moment; when the user operation type is determined to be the user input difficulty type, determining the input difficulty level corresponding to the current time behavior data according to the current time behavior data; according to the input difficulty level corresponding to the behavior data at the current moment, adjusting the current business handling application interface to a business handling application interface corresponding to the input difficulty level; and processing the service application by utilizing the service handling application interface corresponding to the input difficulty level. The invention can process the business by determining the difficulty degree of operation when the user processes the business application and adjusting the business processing application interface corresponding to the corresponding difficulty degree, thereby realizing the purpose of helping the user with difficulty to successfully process the business and improving the satisfaction degree of the user.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a service processing method and apparatus.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Currently, when transacting business through various types of self-service devices, for example, when transacting business using operation-type facilities (e.g., intelligent counters, electronic facilities, bank APP) both on and off-line of a bank, a user is often required to perform a complex and elaborate series of operations. And a part of older customers or customers with certain inconvenient factors on the body often have difficulty in meeting the operation requirements (such as operation speed and accuracy) of normal people, especially for banking systems, the requirements on the reliability and accuracy of input information are very high in the scenes of financial transactions, and the series of operation requirements are often difficult to be met by people of this kind, so that the customers do not handle the business smoothly through various self-service devices.
Disclosure of Invention
The embodiment of the invention provides a service processing method, which is used for helping a truly difficult user to successfully transact services, and comprises the following steps:
acquiring current time behavior data when a user transacts a service application;
determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type;
when the user operation type is determined to be the user input difficulty type, determining the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, which are established in advance;
according to the input difficulty level corresponding to the behavior data at the current moment, adjusting the current business handling application interface to a business handling application interface corresponding to the input difficulty level;
and processing the user business application by using a business handling application interface corresponding to the input difficulty level.
The embodiment of the invention also provides a service processing device, which is used for helping a truly difficult user to successfully transact services, and comprises:
the acquisition unit is used for acquiring current time behavior data when a user transacts a service application;
the determining unit is used for determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type;
the identification unit is used for determining the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, when the operation type of the user is determined to be the input difficulty type of the user;
the changing unit is used for adjusting the current business handling application interface to the business handling application interface corresponding to the input difficulty level according to the input difficulty level corresponding to the current time behavior data;
and the processing unit is used for processing the user business application by utilizing the business application handling interface corresponding to the input difficulty level.
The embodiment of the invention also provides a computer device which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the service processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the service processing method.
The service processing scheme provided by the embodiment of the invention is as follows: acquiring current time behavior data when a user transacts a service application; determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type; when the user operation type is determined to be the user input difficulty type, determining the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, which are established in advance; according to the input difficulty level corresponding to the behavior data at the current moment, adjusting the current business handling application interface to a business handling application interface corresponding to the input difficulty level; the user transacting service application is processed by utilizing the service transacting application interface corresponding to the input difficulty level, so that the service processing is performed after the difficulty level of operation is determined when the user transacts the service application and the service transacting application interface corresponding to the corresponding difficulty level is adjusted, thereby realizing the purpose of helping the user with difficulty to transact the service smoothly and improving the satisfaction degree of the user.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
fig. 1 is a schematic flow chart of a service processing method in an embodiment of the invention;
FIG. 2 is a schematic diagram of a business process according to an embodiment of the present invention;
FIG. 3 is a flow chart of determining a user operation type according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating a method for determining a user operation type according to another embodiment of the present invention;
fig. 5 is a schematic structural diagram of a service processing device in an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
In view of the technical problems mentioned in the background art, the inventor proposes a service processing scheme, which is a reliable mechanism for determining the degree of difficulty of inputting a class operation by a client, and provides subsequent supporting services to meet the special requirements of the client after determining the corresponding difficulty type and degree of the client. Meanwhile, some special abnormal values in the data collection can also improve the discrimination of a bank anti-fraud system and help customers to solve some possible emergency situations. The service processing scheme will be described in detail below.
Fig. 1 is a flow chart of a service processing method in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: acquiring current time behavior data when a user transacts a service application;
step 102: determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type;
step 103: when the user operation type is determined to be the user input difficulty type, determining the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, which are established in advance;
step 104: according to the input difficulty level corresponding to the behavior data at the current moment, adjusting the current business handling application interface to a business handling application interface corresponding to the input difficulty level;
step 105: and processing the user business application by using a business handling application interface corresponding to the input difficulty level.
The business processing method provided by the embodiment of the invention can process the business by determining the difficulty degree of operation when the user processes the business application and adjusting the business processing application interface corresponding to the corresponding difficulty degree, thereby realizing the purpose of helping the user with difficulty to process the business smoothly and improving the satisfaction degree of the user.
In specific implementation, the business processing method provided by the embodiment of the invention can be applied to self-service handling equipment of a bank, such as an intelligent counter, for example, the business processing method of the intelligent counter of the bank. Of course, the method can be applied to other self-service devices, for example, the self-service device for cashing in a convenience store, and can be particularly applied to business handling scenes such as handling membership cards by a user through the self-service cashing device.
The business handling method according to the embodiment of the present invention will be described in detail with reference to fig. 2 to 4.
1. First, a step of establishing various "relationships" in advance before performing the above steps is described.
1. Relationship of behavior data to user operation type.
In the implementation, the relationship between the behavior data and the user operation type may be a table, or may be a model, for example, a neural network model, obtained through pre-training of a big data sample, where the input of the relationship may be the behavior data, and the output is the user operation type corresponding to the behavior data.
In one embodiment, the behavioral data may include: the user handles the input data when the business application is applied.
In particular, the input data may include: the client inputs relevant input data such as password speed, average error times, feedback time after information is sent out, and the like.
In one embodiment, the behavior data may further include: and the user handles the micro expression data when the service application is executed.
In specific implementation, the micro expression: in particular to a very short temporary and autonomous uncontrollable facial expression that is leaked when a human tries to press or hide a true emotion. Micro expression characteristics: the duration is extremely short, reflecting the true emotion of the human, and is common in all humans. The microexpressive types may include a positive type microexpressive (e.g., happy expression) or a negative type microexpressive (e.g., condensed expression), and so on. And the micro expression is combined to determine the user operation type, so that the accuracy of determining the user operation type is improved.
In particular, the type of user operation may also be determined in conjunction with the user's limb movements, such as the user's limb movements of the gripping cheeks, in conjunction with confusing micro-expressions, representing that the user is not particularly familiar with the current business transaction scenario or specific steps, such as representing the user's mind: how to operate without putting on the wool, etc.
In specific implementation, the relationship between the pre-established behavior data and the user operation types may be applied to the exception handling data sequence in fig. 2, and then the exception handling data sequence is input into the relationship to obtain three user operation types, which will be described in detail below.
(1) In particular, the user operation type may include a user input difficulty type, for example, when a speed of inputting a password in input data at a current time of a user is less than a preset speed, it is determined that the user operation type is the user input difficulty type, and the user may be an old person or a physically impaired person.
(2) In particular, the user operation types may also include user input fraud types, for example, some clients do not belong to people with barriers to transact business, however, in order to transact business using an easy or simplified flow interface, operations of people with barriers to transact business are imitated intentionally, so that property can be obtained illegally, and the like.
(3) In particular, the user operation type may also include the user inputting an emergency state type, for example, some customers have extremely abnormal operation during business handling, and numerical values such as finger shake frequency, etc., so as to determine that the user is in an emergency state currently, and the embodiment can confirm and record in a hidden state. For example, when a user performs money taking business by using a stolen bank card, the frequency of finger shake exceeds the preset frequency due to the tension of heart deficiency, and then the embodiment of the invention records the situation and performs automatic alarm processing if necessary.
In specific implementation, other user operation types can be included besides the three user operation types. The user input difficulty type may also be subdivided into a number of sub-types. Through big data analysis, elements are added. By the client operating the data record table, a user who is not qualitatively fixed with a difficult category but still has difficulty in operation or a client who has difficulty in operation after the interface has been changed is searched. The reason should be confirmed by means of a field query or questionnaire. After confirmation, the element is added to the inherent information collection. It should be noted here that the same customer may have multiple types of difficulties at the same time, for example, a customer is both an elderly customer and a disabled customer, and there is no conflict, and a complete record should be made.
2. Relationship of behavior data to data state.
In a specific implementation, the relationship between the behavior data and the data state is pre-established through a large amount of historical data, the relationship can be a table or a model, such as a neural network model, and the relationship can be obtained through pre-training of a large data sample, wherein the input of the relationship can be the behavior data, and the output of the relationship is the data state corresponding to the behavior data. The data states may include normal data states and abnormal data states, such as the abnormal processing data sequence and normal data sequence shown in fig. 2.
In particular, the pre-established relationship between behavior data and data state may be applied to the data processing module in fig. 2, so as to determine the data state of the behavior data at the current time.
3. Relationship of behavior data to input difficulty level.
In a specific implementation, the relationship between the behavior data and the input difficulty level is pre-established through a large amount of historical data, the relationship can be a table or a model, such as a neural network model, and the input of the relationship can be the behavior data through pre-training of a big data sample, and the output is the input difficulty level corresponding to the behavior data. The input difficulty level may be a level 1 input difficulty, a level 2 input difficulty, and so on.
In particular, the pre-established relationship between behavior data and input difficulty level may be applied to the level assessment module in fig. 2, for determining the data state of the behavior data at the current time.
4. The relationship between the input difficulty level and the business handling application interface.
In the implementation, the relationship between the input difficulty level and the business handling application interface is pre-established through a large amount of historical data, the relationship can be a table or a model, such as a neural network model, and the relationship is obtained through pre-training of a big data sample, and the input of the relationship can be the input difficulty level, and the output of the relationship is the business handling application interface corresponding to the input difficulty level.
In specific implementation, the pre-established relationship between the input difficulty level and the business handling application interface may be applied to the application interface changing module in fig. 2, so as to determine the application interface corresponding to the input difficulty level at the current moment.
The above relationships can be understood as forming a dynamic network scope graph, thereby flexibly, conveniently and accurately helping users to conduct business handling and realizing better service for clients.
2. Next, the above step 101 is described.
In specific implementation, taking a card activation scene transacted in the operation from an elderly customer to an intelligent counter as an example: in the intelligent counter card activation operation, the customer needs to sequentially go through multiple operations such as real-name system information filling, customer appearance checking, new card password inputting (four times to six times) and the like, and the average time is 15-30 minutes. The teller cannot provide assistance or replace customer operations throughout the process. The elderly customers have various situations such as eye-strain, hand tremble, memory loss, incapability of hearing prompt tones, slow brain response speed, incapability of completing operation within a specified time, and the like. And once no operation is completed or the operation is wrong within the set time, the system automatically confirms that the operation fails and returns to the initial interface, so that inconvenience is caused. Many elderly people are independent and do not want to bother children. And manual service is time consuming and has business limitations. Thus, it is desirable to determine the type and extent of difficulty of a customer input class operation to facilitate subsequent assistance.
In a specific implementation, the step of obtaining the current time behavior data when the user transacts the service application may be obtaining the current time behavior data when the elderly user transacts the card activation service to the intelligent counter of the bank, and this step may be implemented by the data collection module in fig. 2.
In the implementation, the information obtained by each operation of the user is quantized into data, so that the dynamic state of the business handling of the client is accurately mastered, and the user input data can be obtained through a keyboard, a touch screen and the like. The micro-expression data, limb motion data and the like of the user can be obtained through a camera and the like, so that dynamic capturing is realized, and motion details and micro-expressions in the operation process of the user are captured and converted into behavior data.
3. Next, the above step 102 is described.
In one embodiment, as shown in fig. 3, determining the user operation type at the current time according to the behavior data at the current time when the user transacts the service application and the relationship between the pre-established behavior data and the user operation type may include:
step 1021: according to the current time behavior data when the user transacts the business application and the relationship between the pre-established behavior data and the data state, identifying the data state corresponding to the current time behavior data of the user;
step 1022: when the data state corresponding to the behavior data at the current moment of the user is identified to be in an abnormal state, determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the business application and the relation between the pre-established behavior data and the user operation type.
In the implementation, before determining the user operation type at the current moment, the data state corresponding to the behavior data at the current moment of the user can be judged first, and when the data state is in an abnormal state, the user operation type and the subsequent processing steps are judged, so that unnecessary determination and identification steps are avoided, and system resources are saved. The step of identifying the data state may be implemented by a data processing module in fig. 2, in which the relationship between the behavior data and the data state is preset.
In one embodiment, as shown in fig. 4, the service processing method may further include: step 201: acquiring identity document data when a user transacts a service application;
according to the behavior data at the current moment when the user processes the service application and the relation between the pre-established behavior data and the user operation type, the determining the user operation type at the current moment can comprise:
step 202: and determining the user operation type at the current moment according to the identity document data, the current moment behavior data when the user transacts the service application and the relation between the pre-established behavior data and the user operation type.
In the implementation, the possible requirements of the clients are primarily judged. The customer uses the identity card to carry out identity verification in the first operation process. Customers may be first classified into general customers and customers with potential input difficulties by age, disability level, etc. For common clients, business operation is directly carried out, but data collection and observation analysis are still reserved; for the customers with potential input difficulty, pre-storing processing is performed first, and the information can be stored in a background record table and recorded as a state to be confirmed; and changing the state into the corresponding state after confirming the specific difficulty type and grade. When the user operation type is determined, the identification card data can be obtained in combination to judge when the user transacts the service application, so that the accuracy of confirming the user operation type is further improved.
In particular, the embodiment of this step may also refer to the above description of three types of user operations.
4. Next, the above step 103 is described.
In particular, as shown in fig. 2, when the operation type of the user is determined to be the difficulty type of the user input, the behavior data of the user at the current moment is input into the rating module for processing, and the relationship between the behavior data and the difficulty level of the input is preset in the rating module, and the difficulty level of the input is identified through the relationship, and each level represents the difficulty level of the user input.
In specific implementation, the medium-level assessment module in fig. 2 may also assess the disability level (i.e. identify the input difficulty level by using the relationship between the behavior data and the input difficulty level), compare the conclusion obtained by the convergence algorithm with the state of the user, and generate a corresponding test interface after matching the corresponding difficulty type and difficulty level. On the premise of protecting customer experience, inquiring whether the related change reaches the user satisfaction degree or not. And user opinion and satisfaction are collected to further improve the flow or application interface to better serve users who really have business handling difficulties.
5. Next, the above step 104 is described.
In the implementation, after determining the input difficulty level, the current service handling application interface is adjusted to the service handling application interface corresponding to the input difficulty level, and this step can be implemented by the application interface changing module in fig. 2.
In the specific implementation, the convergence algorithm can be utilized to find a zero limit value of the range to determine the input difficulty level, all client data in the state to be confirmed are classified, the corresponding difficulty level and the interface adjustment strength (namely, the interface corresponding to the difficulty level is specifically adjusted) are compared by the convergence algorithm, and all operation interfaces are adjusted and stored according to the type and the difficulty level of the operation difficulty of a user so as to be close to the requirement of the user.
6. Next, the above step 105 is described.
The user inputs data by using the business handling application interface corresponding to the input difficulty level, and performs business handling according to the input data obtained by the business handling application interface, and the step can be realized by the subsequent business processing module in fig. 2.
7. Next, a preferred scheme of service processing provided by the embodiment of the present invention is described.
Since the inventors consider: the use scenario of the operation type facility has higher difficulty for part of clients, however, unified relaxation standards can make lawless persons organically multiplicable, so the inventor proposes the following anti-fraud scheme.
In one embodiment, the service processing method may further include: and when the user operation type is determined to be the user input fraud type, emergency operation processing is carried out.
In the specific implementation, misleading operation is carried out on the contradiction of the front and back behaviors of the clients or on purpose, and the misleading operation is confirmed and recorded according to a specific algorithm and big data comparison. On the basis of enabling more accurate acquisition of client information and better service of difficult crowds, potential financial fraud or dangerous events can be found, and the transaction safety coefficient is improved.
When the method is specifically implemented, the steps embody message checking processing and anti-fraud scheme: the method is characterized in that the method is used for comparing and secondarily checking the conversion from the common clients to the clients with difficult operation and the clients with difficult operation with abnormal operation, confirming the real information of the clients from various aspects such as credit records and the like, and preventing fraud cases.
In particular, the step of anti-fraud processing may be implemented by the anti-fraud module in fig. 2.
In one embodiment, the service processing method may further include: and when the user operation type is determined to be the type of the emergency state input by the user, emergency operation processing is carried out.
In the specific implementation, the emergency state of the user is judged according to the extremely abnormal operation of the client, the frequency of finger shake and other numerical values, and the emergency state is confirmed and recorded in the hidden state.
In particular, the emergency state handling scheme may be implemented by the emergency event determination module of fig. 2.
In particular, when conditions of fraud and emergency state are found to exist by the above embodiments, the emergency treatment performed may include: and limiting the user use permission according to the corresponding condition feedback, wherein the user can continue to use only after the user unlocks. And in particular may further comprise: when the user is found to have fraudulent conduct, the emergency operation treatment which can be adopted comprises alarming, recording in a banking system, reporting and recording by a credit investigation system, and improving transaction safety and social safety; when an emergency state is found, for example, a user is held by a gangster to input a password, the user's hand is trembled more than a preset frequency because of tension, or the user's facial recognition finds that the user's micro expression is of fear type, and the like, and can perform application operation processing such as alarm. Specifically, the anti-fraud module and the emergency event judging module in fig. 2 can send an emergency processing instruction, the emergency processing instruction can be processed by the emergency event reacting module in fig. 2 and sent to the subsequent service processing module in fig. 2, and the subsequent service processing module carries out a series of linkage processing such as recording, reporting, alarming and the like, so that the system safety is improved.
In specific implementation, the service processing scheme provided by the embodiment of the invention also embodies data updating and information real-time changing: for customers who have identified difficult types and grades and normal operation customers, operation data is still tracked continuously. When the data change reaches the next level or the data recovery common person standard, the client state should be automatically changed in the background to meet the client real-time state.
In specific implementation, the steps can be performed in a loop to acquire the demands of clients at various moments or identify fraud and other behaviors.
In summary, the business handling method provided by the embodiment of the invention realizes: 1. discrimination of truly difficult users and fraud molecules; 2. the mode change is automatic, the flexibility is high, and the private subscription meets the customer experience.
The embodiment of the invention also provides a service processing device, which is described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the service processing method, the implementation of the device can refer to the implementation of the service processing method, and the repetition is omitted.
Fig. 5 is a schematic structural diagram of a service processing device according to an embodiment of the present invention, as shown in fig. 5, where the device includes:
an obtaining unit 01, configured to obtain current time behavior data when a user handles a service application;
a determining unit 02, configured to determine a user operation type at a current time according to behavior data at the current time when the user handles the service application and a relationship between the behavior data and the user operation type, which is established in advance;
the identification unit 03 determines the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relationship between the behavior data and the input difficulty level, which are pre-established, when the operation type of the user is determined to be the input difficulty type of the user;
a changing unit 04, configured to adjust, according to an input difficulty level corresponding to the behavior data at the current moment, a current service handling application interface to a service handling application interface corresponding to the input difficulty level;
and the processing unit 05 is used for processing the user business application by utilizing the business application handling interface corresponding to the input difficulty level.
In one embodiment, the determining unit may be specifically configured to:
according to the current time behavior data when the user transacts the business application and the relationship between the pre-established behavior data and the data state, identifying the data state corresponding to the current time behavior data of the user;
when the data state corresponding to the behavior data at the current moment of the user is identified to be in an abnormal state, determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the business application and the relation between the pre-established behavior data and the user operation type.
In one embodiment, the service processing apparatus may further include: and the first reaction processing unit is used for carrying out emergency operation processing when the user operation type is determined to be the user input fraud type.
In one embodiment, the service processing apparatus may further include: and the second reaction processing unit is used for carrying out emergency operation processing when the user operation type is determined to be the type of emergency input by the user.
In one embodiment, the behavioral data may include: the user handles the input data when the business application is applied.
In one embodiment, the behavior data may further include: and the user handles the micro expression data when the service application is executed.
In one embodiment, the service processing apparatus may further include: the identity data acquisition unit is used for acquiring identity document data when a user transacts a service application;
the determining unit may specifically be configured to: and determining the user operation type at the current moment according to the identity document data, the current moment behavior data when the user transacts the service application and the relation between the pre-established behavior data and the user operation type.
The embodiment of the invention also provides a computer device which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the service processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the service processing method.
The service handling scheme provided by the embodiment of the invention has the beneficial technical effects that:
1. the service processing is carried out after the difficulty degree of operation when the user processes the service application is determined and the service processing application interface corresponding to the corresponding difficulty degree is adjusted, so that the service processing is realized, the smooth processing of the service by the truly difficult user is realized, and the satisfaction degree of the user is improved;
2. based on the realization of helping really difficult users to transact business, fraud and emergency situations are screened, corresponding emergency reactions are carried out, and the security of business transaction is improved.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A method for processing a service, comprising:
acquiring current time behavior data when a user transacts a service application; the behavior data includes: input data when a user handles a service application, micro expression data when the user handles the service application, and limb actions of the user; the input data includes: the user inputs the password speed, average error times and feeds back time-related input data after information is sent out;
according to the current time behavior data when the user transacts the business application and the relationship between the pre-established behavior data and the data state, identifying the data state corresponding to the current time behavior data of the user; when the data state corresponding to the behavior data at the current moment of the user is identified to be in an abnormal state, determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type;
when the user operation type is determined to be the user input difficulty type, according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, searching a range zero limit value by utilizing a convergence algorithm to determine the input difficulty level corresponding to the behavior data at the current moment;
according to the input difficulty level corresponding to the behavior data at the current moment, comparing the corresponding difficulty level with the interface adjustment strength by utilizing a trend algorithm, and adjusting the current business handling application interface to the business handling application interface corresponding to the input difficulty level so as to be close to the requirement of a user;
processing the user business application by using a business handling application interface corresponding to the input difficulty level;
the relation between the behavior data and the user operation type, the relation between the behavior data and the data state and the relation between the behavior data and the input difficulty level form a dynamic network range diagram.
2. The traffic processing method according to claim 1, further comprising: and when the user operation type is determined to be the user input fraud type, emergency operation processing is carried out.
3. The traffic processing method according to claim 1, further comprising: and when the user operation type is determined to be the type of the emergency state input by the user, emergency operation processing is carried out.
4. The traffic processing method according to claim 1, further comprising: acquiring identity document data when a user transacts a service application;
determining the user operation type at the current moment according to the behavior data at the current moment when the user processes the service application and the relation between the pre-established behavior data and the user operation type, wherein the method comprises the following steps:
and determining the user operation type at the current moment according to the identity document data, the current moment behavior data when the user transacts the service application and the relation between the pre-established behavior data and the user operation type.
5. A service processing apparatus, comprising:
the acquisition unit is used for acquiring current time behavior data when a user transacts a service application; the behavior data includes: input data when a user handles a service application, micro expression data when the user handles the service application, and limb actions of the user; the input data includes: the user inputs the password speed, average error times and feeds back time-related input data after information is sent out;
the determining unit is used for identifying the data state corresponding to the behavior data at the current moment of the user according to the behavior data at the current moment of the user handling the service application and the relation between the pre-established behavior data and the data state; when the data state corresponding to the behavior data at the current moment of the user is identified to be in an abnormal state, determining the user operation type at the current moment according to the behavior data at the current moment when the user transacts the service application and the relation between the pre-established behavior data and the user operation type;
the identification unit is used for searching a range zero limit value to determine the input difficulty level corresponding to the behavior data at the current moment according to the behavior data at the current moment and the relation between the behavior data and the input difficulty level, which are established in advance, when the operation type of the user is determined to be the input difficulty type of the user;
the changing unit is used for comparing the corresponding difficulty level with the interface adjustment strength by utilizing a trend algorithm according to the input difficulty level corresponding to the behavior data at the current moment, and adjusting the current business handling application interface to the business handling application interface corresponding to the input difficulty level so as to be close to the user requirement;
the processing unit is used for processing the user business application by utilizing a business handling application interface corresponding to the input difficulty level;
the relation between the behavior data and the user operation type, the relation between the behavior data and the data state and the relation between the behavior data and the input difficulty level form a dynamic network range diagram.
6. The traffic processing apparatus according to claim 5, further comprising: and the first reaction processing unit is used for carrying out emergency operation processing when the user operation type is determined to be the user input fraud type.
7. The traffic processing apparatus according to claim 5, further comprising: and the second reaction processing unit is used for carrying out emergency operation processing when the user operation type is determined to be the type of emergency input by the user.
8. The traffic processing apparatus according to claim 5, further comprising: the identity data acquisition unit is used for acquiring identity document data when a user transacts a service application;
the determining unit is specifically configured to: and determining the user operation type at the current moment according to the identity document data, the current moment behavior data when the user transacts the service application and the relation between the pre-established behavior data and the user operation type.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| JP2006236041A (en) * | 2005-02-25 | 2006-09-07 | Matsushita Electric Ind Co Ltd | Information processor and program |
| JP2015153325A (en) * | 2014-02-18 | 2015-08-24 | 富士通フロンテック株式会社 | information processing apparatus, operation support method and operation support program |
| CN109472608A (en) * | 2018-10-16 | 2019-03-15 | 深圳壹账通智能科技有限公司 | Business confirmation method and terminal device based on Emotion identification |
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| JP2006236041A (en) * | 2005-02-25 | 2006-09-07 | Matsushita Electric Ind Co Ltd | Information processor and program |
| JP2015153325A (en) * | 2014-02-18 | 2015-08-24 | 富士通フロンテック株式会社 | information processing apparatus, operation support method and operation support program |
| CN109472608A (en) * | 2018-10-16 | 2019-03-15 | 深圳壹账通智能科技有限公司 | Business confirmation method and terminal device based on Emotion identification |
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