CN113099399A

CN113099399A - 5G financial message data processing method, financial institution and operator service device

Info

Publication number: CN113099399A
Application number: CN202110392776.2A
Authority: CN
Inventors: 王鹏; 张丹阳; 王士昱
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-04-13
Filing date: 2021-04-13
Publication date: 2021-07-09
Anticipated expiration: 2041-04-13
Also published as: CN113099399B

Abstract

The embodiment of the application provides a 5G financial message data processing method, a financial institution and an operator service device, which can be used in the fields of 5G technology and financial technology, and the method comprises the following steps: receiving an interactive message sent by an operator; identifying keywords and material identifiers from the interactive message, and selecting material resource acquisition addresses from an address library, wherein the address library is used for storing the corresponding relation between each material identifier and each material resource acquisition address acquired from an operator in advance; and sending the material resource acquisition address to an operator, so that the operator extracts a corresponding financial interaction material from a preset material library based on the acquired material resource acquisition address, and sends a 5G financial message containing the financial interaction material to 5G client equipment. The method and the system can effectively improve convenience and intelligent degree of short message interaction between the user and the financial institution, and further enable the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

Description

5G financial message data processing method, financial institution and operator service device

Technical Field

The application relates to the technical field of data processing, in particular to the technical field of 5G technology and finance, and specifically relates to a 5G financial message data processing method, a financial institution service device and an operator service device.

Background

The traditional banking short message interaction mode relates to a plurality of applications and has the characteristics of long link and complex logic. In the transaction process, a bank needs to acquire a plurality of information elements, a user needs to input a specific short message template to receive specific service information, and the transaction process is not extensible and cannot provide other related services for a guest; and the short message background maintenance template is single, and when a user handles the short message service each time, the system only replies the service handling result, so that a concise entrance for the user to handle other services cannot be provided, and the user experience is poor. In addition, the short message banking system has less interaction with other systems of the bank, the user information in the short message service cannot be reused in other channels, and the channel coordination capability is poor. Therefore, the traditional interaction mode of the bank short message templating is difficult to meet diversified user requirements.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a 5G financial message data processing method, a financial institution service device and an operator service device, which can effectively improve the convenience and the intelligent degree of short message interaction between a user and a financial institution, and can effectively improve the efficiency and the safety of the 5G financial message data processing process, so that the user can more conveniently and efficiently enjoy financial services provided by the financial institution.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a first 5G financial message data processing method, including:

receiving an interactive message sent by an operator, wherein the interactive message is edited by a target user from 5G client equipment in advance and sent to the operator;

identifying keywords and material identifications corresponding to the keywords from the interactive messages, and selecting material resource acquisition addresses corresponding to the material identifications from a local address library, wherein the address library is used for storing corresponding relations between the material identifications and the material resource acquisition addresses acquired from the operator in advance;

and sending the material resource acquisition address corresponding to the interactive message to the operator, so that the operator extracts a corresponding financial interactive material from a preset material library based on the acquired material resource acquisition address, and sends the 5G financial message containing the financial interactive material to the 5G client equipment.

Further, still include:

respectively sending each financial interactive material and a material identifier corresponding to each financial interactive material to the operator, so that the operator uploads the material identifiers corresponding to each financial interactive material and each financial interactive material to a preset 5G message access layer, and stores a material auditing result sent by the 5G message access layer into the material library, wherein the material auditing result comprises: corresponding relations among the financial interactive materials, the material identifications and the material resource acquisition addresses;

and receiving material resource acquisition addresses which are sent by the operator and respectively correspond to the material identifications, and storing the material resource acquisition addresses respectively corresponding to the material identifications into the address library.

Further, the identifying a keyword and a material identifier corresponding to the keyword from the interactive message, and selecting a material resource acquisition address corresponding to the material identifier from a local address library includes:

transmitting the interactive message to a preset intelligent service layer in a transparent transmission mode based on a preset first transmission application and a preset second transmission application;

the intelligent service layer is applied to identify the keywords of the interactive message and the material identification corresponding to the keywords, and the material identification is transmitted to the second transmission application;

and transmitting the material identification to the first transmission application in a transparent transmission mode based on the second transmission application so that the first transmission application selects a material resource acquisition address corresponding to the material identification in a local address library according to the material identification.

Further, the identifying, by the intelligent service layer, the keyword of the interactive message and the material identifier corresponding to the keyword includes:

calling a preset interface of an intelligent question-answering service robot by using the intelligent service layer to search at least one answer message corresponding to the interactive message;

and determining the answer information as the keywords of the interactive message and generating a material identifier corresponding to the acquired keywords.

In a second aspect, the present application provides a second 5G financial message data processing method, including:

receiving an interactive message edited and sent by a target user from 5G client equipment;

sending the interactive message to a financial institution to enable the financial institution to identify keywords and material identifiers corresponding to the keywords from the interactive message, and selecting material resource acquisition addresses corresponding to the material identifiers from a local address library, wherein the address library is used for storing corresponding relations between the material identifiers and the material resource acquisition addresses acquired from an operator in advance;

and receiving material resources corresponding to the interactive messages sent by the financial institution, extracting corresponding financial interactive materials from a preset material library based on the address obtained by the material resources, and sending the 5G financial messages containing the financial interactive materials to the 5G client equipment.

Further, still include:

receiving financial interaction materials sent by a financial institution and material identifications corresponding to the financial interaction materials;

uploading each financial interactive material and a material identifier corresponding to each financial interactive material to a preset 5G message access layer, and receiving a material auditing result sent by the 5G message access layer, wherein the material auditing result comprises: corresponding relations among the financial interactive materials, the material identifications and the material resource acquisition addresses;

and storing the financial interaction materials and the material resource acquisition addresses corresponding to the financial interaction materials into the material library.

In a third aspect, the present application provides a financial institution servicing apparatus, comprising:

the system comprises a message acquisition module, a message sending module and a message sending module, wherein the message acquisition module is used for receiving an interactive message sent by an operator, and the interactive message is edited by a target user from 5G client equipment in advance and sent to the operator;

an address matching module, configured to identify a keyword and a material identifier corresponding to the keyword from the interactive message, and select a material resource acquisition address corresponding to the material identifier from a local address library, where the address library is used to store a correspondence between each material identifier and each material resource acquisition address acquired in advance from the operator;

and the address sending module is used for sending the material resource acquisition address corresponding to the interactive message to the operator so as to enable the operator to extract a corresponding financial interactive material from a preset material library based on the acquired material resource acquisition address, and sending the 5G financial message containing the financial interactive material to the 5G client equipment.

In a fourth aspect, the present application provides an operator service apparatus, comprising:

the message receiving module is used for receiving interactive messages edited and sent by a target user from the 5G client device;

the message sending module is used for sending the interactive message to a financial institution so that the financial institution identifies keywords and material identifiers corresponding to the keywords from the interactive message and selects material resource acquisition addresses corresponding to the material identifiers from a local address library, wherein the address library is used for storing the corresponding relation between each material identifier and each material resource acquisition address acquired from an operator in advance;

and the material matching module is used for receiving the material resources corresponding to the interactive messages sent by the financial institution, extracting corresponding financial interactive materials from a preset material library based on the material resource acquisition address, and sending the 5G financial messages containing the financial interactive materials to the 5G client equipment.

In a fifth aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the first 5G financial message data processing method when executing the computer program or implementing the second 5G financial message data processing method when executing the computer program.

In a sixth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the first 5G financial message data processing method or which, when executed by a processor, implements the second 5G financial message data processing method.

According to the technical scheme, the 5G financial message data processing method, the financial institution service device and the operator service device provided by the application comprise the following steps: receiving an interactive message sent by an operator, wherein the interactive message is edited by a target user from 5G client equipment in advance and sent to the operator; identifying keywords and material identifications corresponding to the keywords from the interactive messages, and selecting material resource acquisition addresses corresponding to the material identifications from a local address library, wherein the address library is used for storing corresponding relations between the material identifications and the material resource acquisition addresses acquired from the operator in advance; sending the material resource acquisition address corresponding to the interactive message to the operator, so that the operator extracts a corresponding financial interactive material from a preset material library based on the acquired material resource acquisition address, and sends the 5G financial message containing the financial interactive material to the 5G client device; the conversion among the material identification, the material resource acquisition address and the financial interactive material for sending the 5G information related to the financial content to the user can be effectively realized, point-to-point, targeted and personalized services are provided through interaction with the user, and the time for the user to handle business and safety certification is shortened; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a first flowchart of a first 5G financial message data processing method in an embodiment of the present application.

Fig. 2 is a diagram illustrating a conventional short message interaction mode.

Fig. 3 is a schematic flowchart of step 011 and step 012 in the first 5G financial message data processing method in the embodiment of the present application.

Fig. 4 is a schematic flowchart of step 120 in the first 5G financial message data processing method in this embodiment.

Fig. 5 is a schematic flowchart of step 122 in the first 5G financial message data processing method in this embodiment.

Fig. 6 is a first flowchart of a second 5G financial message data processing method in an embodiment of the present application.

Fig. 7 is a schematic flowchart illustrating steps 021 to 023 in the second 5G financial message data processing method according to the embodiment of the present application.

Fig. 8 is a schematic structural diagram of a financial institution service apparatus in an embodiment of the present application.

Fig. 9 is a schematic structural diagram of a carrier service apparatus in an embodiment of the present application.

Fig. 10 is a diagram of interaction between a notification message and an operator in an application example of the present application.

Fig. 11 is a schematic diagram of a material data flow in an application example of the present application.

FIG. 12 is a schematic diagram of key parameters of an upload request for Chatbot material in an application example of the present application.

Fig. 13 is a schematic diagram of key parameters of a material review result notification request in an application example of the present application.

Fig. 14 is a schematic diagram of a financial institution-side keyword, 5G message, and material correspondence in an application example of the present application.

Fig. 15 is a schematic diagram of a full flow of a 5G message interaction mode in an application example of the present application.

Fig. 16 is a schematic diagram of a Bot system architecture in an application example of the present application.

FIG. 17 is a schematic diagram of the interaction between RCS and Bot in the application example of the present application.

Fig. 18 is a schematic structural diagram of an electronic device in the embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the 5G financial message data processing method, the financial institution and the operator service apparatus disclosed in the present application may be used in the 5G technology and financial technology field, and may also be used in any field other than the 5G technology and financial technology field.

As shown in fig. 2, in a conventional interaction mode of a bank short message templating, an SMSB application serves as a core component to transmit information during a conventional short message interaction process, and after a short message is acquired from a downstream application, the SMSB application can also assemble the short message into a long short message. The USMP application only plays a role in transmitting information and forming a message queue in the short message interaction mode, and does not generate substantial information exchange with the operator. In addition, the intelligent service layer RCS is not accessed in the traditional short message interaction process, and the short message template is fixed, so that the extended question answering function cannot be provided for the user.

In the process of ascending the 5G message, the user sends the information to a mobile operator, and the operator distinguishes the common short message from the 5G message through information identification. Because the 4G short message and the 5G short message are in the parallel stage of the 4G and the 5G at present, the 4G short message and the 5G message are received by different servers, if the uplink number of the 4G short message is '955 x', wherein the x represents two numbers; and the uplink number of the 5G message may be "10650518955". When the 5G message is downlink, the fallback processing is carried out according to the message and the previous uplink message, and switching can be carried out between the 4G short message and the 5G message.

The financial institution side sends a key field shortMessageSupported in an uplink URL of an operator, and the system judges whether to transfer the 4G short message or not. When the system identifies FALSE, the 4G short message is not transferred, and a 5G short message is sent; and when the system identifies as 'TRUE', switching to 4G short messages.

With the advent of the internet and the 5G era, a channel capable of flexibly configuring a function page is urgently needed by the traditional banking business to meet changeable user requirements. The 5G message is rich media message application based on GSMA (global system for mobile communications) international communication standard RCS, and brings comprehensive content service and communication value to users by providing direct, convenient, high-capacity and rich-content video rich media information service. The method is used as a channel for providing online services in parallel to short messages, WeChat, apps and the like, and provides a new channel selection service for customers.

In order to improve user experience, the method and the system for the 5G message interaction mode overcome the defects in the existing short message interaction mode. The 5G message interaction mode establishes an intelligent service channel based on chatbot, provides point-to-point, targeted and personalized services through interaction with a user, and shortens the time for the user to transact business and safety authentication. Compared with the traditional short message, the financial institution 5G message interaction mode such as commercial banks takes UMSP and intelligent interaction service RCS application as core components, and the SMSB application only takes on the function of sending messages, so that the conversion among the material ID, the material URL and the material is realized.

The 5G message transmission process is completed by calling information by each application in the bank without the participation of external manufacturers, and the risk of information leakage can be effectively reduced. In addition, after the operator docks the material library with the financial institution side, the operator can regularly and timely acquire the material update interacted with the operator, and the mode can greatly improve the output efficiency of 5G messages of financial institutions such as commercial banks and the like, so that the short message interaction mode of the financial institutions such as the commercial banks and the like is gradually replaced, and the user can more conveniently enjoy the services of the financial institutions such as the commercial banks and the like.

Thus, the embodiments of the present application provide a first 5G financial message data processing method performed by a financial institution service apparatus, a second 5G financial message data processing method performed by a carrier service apparatus, a financial institution service apparatus, a carrier service apparatus, an electronic device, and a computer-readable storage medium, respectively, by receiving an interactive message sent by a carrier, the interactive message being previously edited by a target user from a 5G client device and sent to the carrier; identifying keywords and material identifications corresponding to the keywords from the interactive messages, and selecting material resource acquisition addresses corresponding to the material identifications from a local address library, wherein the address library is used for storing corresponding relations between the material identifications and the material resource acquisition addresses acquired from the operator in advance; the material resource acquisition address corresponding to the interactive message is sent to the operator, so that the operator extracts a corresponding financial interactive material from a preset material library based on the acquired material resource acquisition address, and sends the 5G financial message containing the financial interactive material to the 5G client equipment, thereby effectively realizing the conversion among a material identifier for sending 5G information related to financial content to a user, the material resource acquisition address and the financial interactive material, and providing point-to-point, targeted and personalized services through interaction with the user, and shortening the time for the user to transact business and safety certification; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In one or more embodiments of the present application, the 5G financial message refers to a 5G message for displaying financial interaction information between a financial institution and a user.

Based on the above, in one or more embodiments of the present application, the financial institution service apparatus and the operator service apparatus may be implemented as a server, and the 5G client device refers to a client device that adopts a 5G technology and has a 5G communication function, and is capable of receiving and sending a 5G message (5G short message). It is understood that the client device may include a smartphone, a tablet electronic device, a network set-top box, a portable computer, a vehicle-mounted device, a smart wearable device, and the like, which have 5G communication functions. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..

In a practical application, the aforementioned financial institution service device may execute part of the first 5G financial message data processing method in the server as described above, or all operations may be performed in the financial institution client device. The selection can be specifically performed according to the processing capability of the financial institution client device, the limitation of the use scene of the user, and the like. This is not a limitation of the present application. If all operations are performed in the financial institution client device, the financial institution client device may further include a processor for detailed processing of 5G financial message data processing.

In another practical application scenario, the aforementioned part of the operator service apparatus executing the second 5G financial message data processing method may be executed in the server as described above, or all operations may be completed in the mobile payment device. The selection can be specifically performed according to the processing capability of the mobile payment device, the limitation of the use scene of the user, and the like. This is not a limitation of the present application. If all operations are completed in the mobile payment device, the mobile payment device may further include a processor for specific processing of 5G financial message data processing.

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.

The following embodiments and application examples are specifically and individually described in detail.

In order to improve the convenience and the intelligent degree of short message interaction between a user and a financial institution, the application provides an embodiment of a first 5G financial message data processing method in which an execution subject is a financial institution service device, and referring to fig. 1, the first 5G financial message data processing method executed based on the financial institution service device specifically includes the following contents:

step 110: and receiving an interactive message sent by an operator, wherein the interactive message is edited by a target user from 5G client equipment in advance and sent to the operator.

In step 110, the financial institution service apparatus receives an interactive message sent by the carrier service apparatus, the interactive message being previously edited by the target user from the 5G client device and sent to the carrier service apparatus. It is understood that the interactive message is specific content for expressing the query, inquiry or transaction of the user to the financial institution, for example, the user may edit a short message "what financial products are? "to form an interactive message.

Step 120: and identifying keywords and material identifications corresponding to the keywords from the interactive messages, and selecting material resource acquisition addresses corresponding to the material identifications from a local address library, wherein the address library is used for storing the corresponding relation between each material identification and each material resource acquisition address acquired from the operator in advance.

In step 120, the keyword refers to content capable of representing key information in the interactive message, and may be specifically obtained according to a preset key information extraction rule, a preset machine learning model, or an intelligent question and answer service robot.

Taking a key information extraction rule as an example, a key information extraction comparison table is stored in an application system or a database of a financial institution and a local financial institution service device, a keyword corresponding to the interactive message is searched in the key information extraction comparison table, a material identifier of the keyword is generated based on a preset material identifier generation rule, or a material identifier corresponding to the keyword is directly searched in a preset database corresponding to the keyword and the material identifier.

Or, taking a machine learning model as an example, the preprocessed interactive message may be input into a preset machine learning model for keyword recognition, so that the machine learning model outputs a keyword corresponding to the interactive message, and a material identifier of the keyword is generated based on a preset material identifier generation rule, or a material identifier corresponding to the keyword is directly searched from a library corresponding to preset keywords and material identifiers.

In addition, the following embodiments are described in detail for the example content of the intelligent question-answering service robot, and are not described herein again.

It is understood that the material identifier refers to a unique identifier uniquely corresponding to the corresponding financial interaction material, for example, a material ID of the financial interaction material generated based on a preset encoding manner.

Step 130: and sending the material resource acquisition address corresponding to the interactive message to the operator, so that the operator extracts a corresponding financial interactive material from a preset material library based on the acquired material resource acquisition address, and sends the 5G financial message containing the financial interactive material to the 5G client equipment.

In step 130, the financial interactive material refers to the material that the financial institution needs to display for replying to the reply content of the information sent by the user, such as bank promo in MP4 format or a promo page of a financial product.

It is understood that the material Resource obtaining address may specifically refer to a uniform Resource locator (url) or a network address (uniform Resource locator) of the financial interactive material.

As can be seen from the above description, the first 5G financial message data processing method implemented by the financial institution service apparatus according to the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provide peer-to-peer, targeted, and personalized services, and shorten the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In order to implement the financial institution to obtain the material URLs from the operator in advance, referring to fig. 3, in an embodiment of the first 5G financial message data processing method provided in the present application, the following contents that can be executed before step 110 are further specifically included in the first 5G financial message data processing method:

step 011: respectively sending each financial interactive material and a material identifier corresponding to each financial interactive material to the operator, so that the operator uploads the material identifiers corresponding to each financial interactive material and each financial interactive material to a preset 5G message access layer, and stores a material auditing result sent by the 5G message access layer into the material library, wherein the material auditing result comprises: and the corresponding relation among the financial interactive materials, the material identification and the material resource acquisition address.

Step 012: and receiving material resource acquisition addresses which are sent by the operator and respectively correspond to the material identifications, and storing the material resource acquisition addresses respectively corresponding to the material identifications into the address library.

Specifically, before the 5G message is generated, the financial institution needs to transmit the material and the material ID to the operator, and then the operator transmits the matched material URL back to the financial institution in the material library according to the material URL, specifically, the bank-side multimedia material is stored in the notification message UMSP application, the UMSP uploads the material and the material ID to the chat robot Chatbot of the operator, the chat robot Chatbot uploads the material to the 5G message access layer, the 5G message access layer sends a material audit result notification to the chat robot Chatbot, the audit result notification includes a material URL address, and the chat robot Chatbot tbot returns the address to the bank-side notification message UMSP after acquiring the URL address. And the 5G message access layer transmits the materials to an operator material library. Chatbot uploads material to the 5G message access layer. And the 5G message access layer sends a material auditing result notice to the Chatbot, wherein the data field is the URL address of the material.

As can be seen from the above description, the first 5G financial message data processing method implemented by a financial institution service apparatus according to an embodiment of the present application, by acquiring and storing the corresponding relation between the material identification and the material resource acquisition address of each financial interactive material from the operator in advance, when or after receiving the interactive message sent by the operator, the material resource acquisition address corresponding to the material identifier is selected in the local address library, so that the efficiency, the reliability and the safety of selecting the material resource acquisition address corresponding to the material identifier in the local address library can be effectively improved, so as to further improve the convenience and intelligent degree of short message interaction between the user and the financial institution, effectively improve the efficiency and safety of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

In order to provide a preferred way to locally search for a material resource acquisition address, in an embodiment of the first 5G financial message data processing method provided by the present application, referring to fig. 4, step 120 in the first 5G financial message data processing method specifically includes the following contents:

step 121: and transmitting the interactive message to a preset intelligent service layer in a transparent transmission mode based on a preset first transmission application and a preset second transmission application.

Specifically, the first transmission application may be the aforementioned UMSP application, and the second transmission application may be the aforementioned SMSB application. The user sends the message in the 5G message window, and the operator transmits the interactive message to the bank system after receiving the interactive message of the user. And the UMSP application and the SMSB application in the bank system upload the interactive message to an intelligent service layer RCS in a transparent transmission mode, and the RCS identifies the keywords in the message and matches the 5G message corresponding to the keywords. The material and the material ID included in the 5G message are allocated by the financial institution.

Step 122: and the intelligent service layer is applied to identify the keywords of the interactive message and the material identification corresponding to the keywords and transmit the material identification to the second transmission application.

Step 123: and transmitting the material identification to the first transmission application in a transparent transmission mode based on the second transmission application so that the first transmission application selects a material resource acquisition address corresponding to the material identification in a local address library according to the material identification.

Specifically, the operator, upon receiving the customer information command, passes the command to the financial institution system. The UMSP application and the SMSB application in the financial institution system transmit the interactive information sent by the user to an intelligent service layer RCS in a transparent transmission mode, and the service layer provides an intelligent service interactive intelligent question and answer service RobotInteractService. And returning the identified answer to the intelligent service layer RCS, and transmitting the automatically generated material ID to the SMSB application by the intelligent service layer RCS. And then the SMSB application transmits the material ID to the UMSP, and finally the UMSP transmits the material URL corresponding to the material ID back to the operator, so that the result of feeding back the corresponding 5G message content to the client is achieved.

As can be seen from the above description, the first 5G financial message data processing method implemented by a financial institution service apparatus according to an embodiment of the present application, acquiring keywords of the interactive message and material identifiers corresponding to the keywords through the first transmission application, the second transmission application and the intelligent service layer, and the material resource acquisition address corresponding to the material identification is selected from the local address library according to the material identification, so that the accuracy and reliability of acquiring the key word of the interactive message, the material identification corresponding to the key word and the material resource acquisition address corresponding to the material identification from the local address library can be effectively improved, so as to further improve the convenience and intelligent degree of short message interaction between the user and the financial institution, effectively improve the efficiency and safety of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

In order to provide a preferred way to identify the keyword of the interactive message, in an embodiment of the first 5G financial message data processing method provided in the present application, referring to fig. 5, step 122 in the first 5G financial message data processing method specifically includes the following contents:

step 1221: and calling a preset interface of the intelligent question-answering service robot by using the intelligent service layer to search at least one answer message corresponding to the interactive message.

Step 1222: and determining the answer information as the keywords of the interactive message and generating a material identifier corresponding to the acquired keywords.

Step 1223: communicating the material identification to the second transmission application.

Specifically, the RCS does not directly configure the material ID, but calls an intelligent robot intelligent question-answer interface in an HTTP mode to search for relevant answers, matches answers prestored in an FAQ library according to user questions transmitted by a calling party, and provides a return value for the calling party. The RCS has a mapping relation rule that the corresponding robot Bot is matched according to the source channel. The overall architecture of the robot system is divided into three modules: online service, production system, and offline training. The online service mainly provides a question-answering interface of the robot, records customer service logs in real time, and ensures the safety, reliability, timeliness and the like of the service; the product system provides a set of user interfaces which can enable operators to manage and maintain the knowledge base, educate the robot and check customer service data analysis; offline training uses the labeled data in the product system for robot training and uses the trained models to support online robot services.

The robot Bot has configured standard questions and standard answers with relevant information in a word slot, after being called by the RCS, the Bot starts to identify a user question instance, returns a matching answer corresponding to the instance to the RCS application, and then the RCS transmits the answer to a downstream application.

The term slot refers to a collection of things that collectively belong to a type, such as a website, credit card, financing. An example refers to an element of a collection of things, such as a "financial institution platinum credit card" in a credit card. After identifying the user's consultation intention, Bot performs instance extraction and returns the corresponding answer according to the instance in the question sentence, such as a preferential activity rule of "financial institution platinum credit card".

According to the current financial institution 5G service scenario, the customer service robot provided by Bot enables the QA Bot question-answering engine. The QA Bot robot engine mainly applies the common consultation intention as the scene, and the knowledge base is an FAQ base. QA Bot is adapted to the user's intention of the general counseling class. A FAQ library user in the knowledge base supports QA Bot, one standard question in the FAQ library of the 5G message corresponds to one default material answer, and flexible channel configuration can be supported. And when the intention of the knowledge point is hit by the uplink user information of the 5G message, replying the corresponding material ID to the user according to the source channel of the knowledge point.

The FAQ configuration includes: basic information, default answers, other answers, and the like. The 5G message mode configuration is mainly basic information, and the basic information comprises knowledge point classification, standard question sentences, associated question sentences and associated question setting. Classifying a directory to which a management knowledge point manages the FAQ; the standard question is a standard form for extracting similar questions of the user; the associated question can be associated with other standard question sentences, and when the customer hits the knowledge point, the associated question can be taken as a recommended question sentence and attached to the answer. Each FAQ supports setting up a question of association, and when asked and answered directly by the user, the robot answers the answer and attaches the question of association to the answer. The more similar questions and answers are found in different questions and answers with the same intention, the higher the accuracy of FAQ hit. The system supports automatic recommendation of pixel questions of the FAQ, which are reviewed by the educator and added to similar questions of the FAQ. Meanwhile, the system conducts cluster Analysis (Clustering Analysis) on the question of the user, compares the stored FAQ library, and conducts operations including finding, labeling and updating on uncovered knowledge points.

The Bot robot realizes information transmission through tasks, and the task structure comprises the following elements: nodes, child node jump conditions and word slots. The task aims to control a task flow by setting nodes and skip conditions among the nodes, acquire word slot information sent by a user, match storage information and complete business operation. The nodes are the actions to be performed by the Bot robot, and the nodes matched with the answer include a clarification node and an API node. The clarification node is a guided word technique that the Bot robot replies to the user in order to guide the user to fill the word slot, expecting the user to reply to the hit word slot. The API node is the call of the Bot robot to the service system, can map the user word slot information to a specific service type, and can display the service information to the user or obtain related data required by the task. Meanwhile, the background system can manage the word slots and maintain word slot description, word slot information and the like. The Bot system may provide the ability to generalize the problem of understanding the FAQ criteria and add similar questions to the FAQ library. The rapid education can enhance the generalization ability of the robot to new FAQs and uncommon FAQs, and can pointedly improve the question answering accuracy of Bot. Meanwhile, the quality inspection system can find the wrong answer record of the Bot, judge the reason of the error and feed back to form re-education. And performing partition education on correct and wrong knowledge points of Bot, and strengthening Bot to identify correct answers, thereby improving the speed and accuracy of Bot in positioning instance information in a word slot.

As can be seen from the above description, the first 5G financial message data processing method implemented by the financial institution service apparatus according to the embodiment of the present application can effectively improve the intelligent degree and accuracy of the recognition of the keywords of the interactive message by using the intelligent question-answering service robot, so as to further improve the convenience and intelligent degree of the short message interaction between the user and the financial institution, and effectively improve the efficiency and security of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy the financial services provided by the financial institution.

In order to improve the convenience and the intelligent degree of the short message interaction between the user and the financial institution, the application provides an embodiment of a second 5G financial message data processing method in which the main body is an operator service device, and referring to fig. 6, the second 5G financial message data processing method executed based on the operator service device specifically includes the following contents:

step 210: and receiving the interactive message edited and sent by the target user from the 5G client device.

In step 210, the financial institution service apparatus receives an interactive message sent by the carrier service apparatus, the interactive message being previously edited by the target user from the 5G client device and sent to the carrier service apparatus. It is understood that the interactive message is specific content for expressing the query, inquiry or transaction of the user to the financial institution, for example, the user may edit a short message "what financial products are? "to form an interactive message.

Step 220: and sending the interactive message to a financial institution so that the financial institution identifies keywords and material identifiers corresponding to the keywords from the interactive message, and selects material resource acquisition addresses corresponding to the material identifiers from a local address library, wherein the address library is used for storing the corresponding relation between each material identifier and each material resource acquisition address acquired from an operator in advance.

In step 220, the keyword refers to content capable of representing key information in the interactive message, and may be specifically obtained according to a preset key information extraction rule, a preset machine learning model, or an intelligent question and answer service robot. It is understood that the material identifier refers to a unique identifier uniquely corresponding to the corresponding financial interaction material, for example, a material ID of the financial interaction material generated based on a preset encoding manner.

Step 230: and receiving material resources corresponding to the interactive messages sent by the financial institution, extracting corresponding financial interactive materials from a preset material library based on the address obtained by the material resources, and sending the 5G financial messages containing the financial interactive materials to the 5G client equipment.

In step 230, the financial interactive material refers to the material that the financial institution needs to display for replying to the reply content of the information sent by the user, such as bank promo in MP4 format or a promo page of a financial product. It is understood that the material resource obtaining address may specifically refer to a uniform resource locator or a network address URL of the financial interaction material.

As can be seen from the above description, the second 5G financial message data processing method implemented by the operator service apparatus according to the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provide peer-to-peer, targeted, and personalized services, and shorten the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In order to implement the method for providing the material URLs to the financial institutions by the operators in advance, referring to fig. 7, in an embodiment of the second 5G financial message data processing method provided by the present application, the following contents that can be executed before step 210 are further specifically included in the second 5G financial message data processing method:

step 021: and receiving each financial interactive material sent by the financial institution and a material identifier corresponding to each financial interactive material.

Step 022: uploading each financial interactive material and a material identifier corresponding to each financial interactive material to a preset 5G message access layer, and receiving a material auditing result sent by the 5G message access layer, wherein the material auditing result comprises: and the corresponding relation among the financial interactive materials, the material identification and the material resource acquisition address.

Step 023: and storing the financial interaction materials and the material resource acquisition addresses corresponding to the financial interaction materials into the material library.

As can be seen from the above description, the second 5G financial message data processing method implemented by the operator service device provided in the embodiments of the present application, by acquiring and storing the corresponding relation between the material identification and the material resource acquisition address of each financial interactive material from the operator in advance, when or after receiving the interactive message sent by the operator, the material resource acquisition address corresponding to the material identifier is selected in the local address library, so that the efficiency, the reliability and the safety of selecting the material resource acquisition address corresponding to the material identifier in the local address library can be effectively improved, so as to further improve the convenience and intelligent degree of short message interaction between the user and the financial institution, effectively improve the efficiency and safety of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

From the aspect of software, in order to improve the convenience and the intelligence degree of the short message interaction between the user and the financial institution, the application provides an embodiment of a financial institution service device for executing all or part of the content in the first 5G financial message data processing method, and referring to fig. 8, the financial institution service device specifically includes the following content:

the message obtaining module 11 is configured to receive an interactive message sent by an operator, where the interactive message is edited by a target user from a 5G client device in advance and sent to the operator.

In the message acquiring module 11, the financial institution service apparatus receives an interactive message sent by the operator service apparatus, the interactive message being previously edited by the target user from the 5G client device and sent to the operator service apparatus. It is understood that the interactive message is specific content for expressing the query, inquiry or transaction of the user to the financial institution, for example, the user may edit a short message "what financial products are? "to form an interactive message.

An address matching module 12, configured to identify a keyword and a material identifier corresponding to the keyword from the interactive message, and select a material resource obtaining address corresponding to the material identifier from a local address library, where the address library is used to store a correspondence between each material identifier and each material resource obtaining address obtained in advance from the operator.

In the address matching module 12, the keyword refers to content capable of representing key information in the interactive message, and may be specifically obtained according to a preset key information extraction rule, a preset machine learning model, an intelligent question and answer service robot, or the like. It is understood that the material identifier refers to a unique identifier uniquely corresponding to the corresponding financial interaction material, for example, a material ID of the financial interaction material generated based on a preset encoding manner.

And the address sending module 13 is configured to send the material resource obtaining address corresponding to the interaction message to the operator, so that the operator extracts a corresponding financial interaction material from a preset material library based on the obtained material resource obtaining address, and sends the 5G financial message including the financial interaction material to the 5G client device.

In the address sending module 13, the financial interaction materials refer to materials required to be displayed by the financial institution for responding to the reply content of the information sent by the user, such as bank promos in MP4 format or publicity pages of financial products. It is understood that the material resource obtaining address may specifically refer to a uniform resource locator or a network address URL of the financial interaction material.

The embodiment of the financial institution service apparatus provided in the present application may be specifically configured to execute the processing flow of the embodiment of the first 5G financial message data processing method in the foregoing embodiment, and the function of the processing flow is not described herein again, and reference may be made to the detailed description of the embodiment of the first 5G financial message data processing method.

As can be seen from the above description, the financial institution service apparatus provided in the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provides peer-to-peer, targeted, and personalized services, and shortens the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In order to implement the method for acquiring the material URLs from the operator by the financial institution in advance, in an embodiment of the financial institution service apparatus provided by the present application, the financial institution service apparatus is further specifically configured to execute the following:

As can be seen from the above description, the financial institution service apparatus provided in the embodiment of the present application, by acquiring and storing the corresponding relationship between the material identifier and the material resource acquisition address of each financial interaction material from the operator in advance, can receive the interaction message sent by the operator, the material resource acquisition address corresponding to the material identifier is selected in the local address library, so that the efficiency, the reliability and the safety of selecting the material resource acquisition address corresponding to the material identifier in the local address library can be effectively improved, so as to further improve the convenience and intelligent degree of short message interaction between the user and the financial institution, effectively improve the efficiency and safety of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

In order to provide a preferred way to locally search the material resource obtaining address, in an embodiment of the financial institution service apparatus provided in the present application, the address matching module 12 in the financial institution service apparatus is further configured to perform the following:

As can be seen from the above description, the financial institution service apparatus provided in the embodiment of the present application obtains the keyword of the interactive message and the material identifier corresponding to the keyword through the first transmission application, the second transmission application and the intelligent service layer, and the material resource acquisition address corresponding to the material identification is selected from the local address library according to the material identification, so that the accuracy and reliability of acquiring the key word of the interactive message, the material identification corresponding to the key word and the material resource acquisition address corresponding to the material identification from the local address library can be effectively improved, so as to further improve the convenience and intelligent degree of short message interaction between the user and the financial institution, effectively improve the efficiency and safety of the 5G financial message data processing process, thereby enabling the user to more conveniently and efficiently enjoy financial services provided by the financial institution.

In order to provide a preferred way to identify the keyword of the interactive message, in an embodiment of the financial institution service apparatus provided by the present application, the address matching module 12 in the financial institution service apparatus is further configured to perform the following:

It can be known from the above description that the financial institution service apparatus provided in the embodiment of the present application, through applying the intelligent question-answering service robot, can effectively improve the intelligent degree and accuracy of the recognition of the keyword of the interactive message, so as to further improve the convenience and intelligent degree of the short message interaction between the user and the financial institution, and can effectively improve the efficiency and security of the 5G financial message data processing process, and further enable the user to more conveniently and efficiently enjoy the financial services provided by the financial institution.

From the software aspect, in order to improve the convenience and the intelligence degree of the short message interaction between the user and the financial institution, the application provides an embodiment of an operator service device for executing all or part of the contents in the second 5G financial message data processing method, referring to fig. 9, where the operator service device specifically includes the following contents:

and the message receiving module 21 is configured to receive an interactive message edited and sent by a target user from the 5G client device.

In the message receiving module 21, the financial institution service apparatus receives an interactive message sent by the carrier service apparatus, the interactive message being previously edited by the target user from the 5G client device and sent to the carrier service apparatus. It is understood that the interactive message is specific content for expressing the query, inquiry or transaction of the user to the financial institution, for example, the user may edit a short message "what financial products are? "to form an interactive message.

And a message sending module 22, configured to send the interactive message to a financial institution, so that the financial institution identifies a keyword and a material identifier corresponding to the keyword from the interactive message, and selects a material resource obtaining address corresponding to the material identifier from a local address library, where the address library is used to store a correspondence between each material identifier and each material resource obtaining address obtained in advance from an operator.

In the message sending module 22, the keyword refers to content capable of representing key information in the interactive message, and may be specifically obtained according to a preset key information extraction rule, a preset machine learning model, an intelligent question and answer service robot, or the like. It is understood that the material identifier refers to a unique identifier uniquely corresponding to the corresponding financial interaction material, for example, a material ID of the financial interaction material generated based on a preset encoding manner.

The material matching module 23 is configured to receive a material resource corresponding to the interaction message sent by the financial institution, extract a corresponding financial interaction material from a preset material library based on an address obtained by the material resource, and send a 5G financial message including the financial interaction material to the 5G client device.

In the material matching module 23, the financial interaction material refers to a material that is required to be displayed by the financial institution for replying the reply content of the information sent by the user, such as a bank promo in MP4 format or a publicity page of a financial product. It is understood that the material resource obtaining address may specifically refer to a uniform resource locator or a network address URL of the financial interaction material.

The embodiment of the operator service apparatus provided in this application may be specifically configured to execute the processing flow of the embodiment of the second 5G financial message data processing method in the foregoing embodiment, and its functions are not described herein again, and refer to the detailed description of the embodiment of the second 5G financial message data processing method.

As can be seen from the above description, the operator service apparatus provided in the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provides peer-to-peer, targeted, and personalized services, and shortens the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In order to implement that the operator provides each material URL to the financial institution in advance, in an embodiment of the operator service apparatus provided in the present application, the operator service apparatus is further specifically configured to execute the following:

As can be seen from the above description, the operator service device provided in this embodiment of the present application, by obtaining and storing the corresponding relationship between the material identifier and the material resource obtaining address of each financial interaction material from the operator in advance, can select the material resource obtaining address corresponding to the material identifier in the local address library by itself when or after receiving the interaction message sent by the operator, and further can effectively improve the efficiency, reliability, and security of selecting the material resource obtaining address corresponding to the material identifier in the local address library, so as to further improve the convenience and intelligence of short message interaction between the user and the financial institution, and can effectively improve the efficiency and security of the 5G financial message data processing process, and further enable the user to enjoy the financial services provided by the financial institution more conveniently and efficiently.

In order to further explain the technical scheme, the application also provides a specific application example of the 5G financial message data processing method, and the 5G message interaction mode is characterized in that the URL corresponding to the material ID is directly acquired by butting with the operator material library, so that the effects of acquiring the material ID once and automatically resolving for many times are achieved. The business process is as follows:

1. the notification message UMSP exchanges with the operator repository information.

Before the 5G message is generated, the UMSP application in the financial institution system needs to transfer the material and the material ID to the operator, and then the operator returns the matched material URL in the material library to the UMSP, as shown in fig. 10.

(1) Material ID and material URL corresponding relation

The multimedia material at the bank side is stored in the notification message UMSP application, the UMSP uploads the material and the material ID to the Chatbot of an operator, the Chatbot uploads the material to the 5G message access layer, the 5G message access layer sends a material audit result notification to the Chatbot, the audit result notification comprises a material URL address, and after the Chatbot acquires the URL address, the address is returned to the notification message UMSP at the bank side. And the 5G message access layer transmits the materials to an operator material library. The process is shown in fig. 11.

Chatbot uploads material to the 5G message access layer requesting key parameters as shown in fig. 12. The 5G message access layer sends a material audit result notification to Chatbot, wherein the data field is the material URL address, and the key parameters of the request are shown in FIG. 13.

(2) Logical introduction of material ID and keyword matching mechanism

The customer sends the message in the 5G message window, and the operator transfers the message to the bank system after receiving the customer message. And the UMSP application and the SMSB application in the bank system upload the message to the RCS in a transparent transmission mode, and the RCS identifies the keywords in the message and matches the 5G message corresponding to the keywords. The material and material ID contained in the 5G message are configured by the bank side, as exemplified in fig. 14.

2. And calling the robot Bot to identify the user information by taking the intelligent interaction service RCS as a core.

The operator, upon receiving the customer information command, passes the command to the financial institution system. The UMSP application and the SMSB application in the financial institution system transmit a service request sent by a user to an intelligent service layer RCS in a transparent transmission mode, and the service layer provides an intelligent service interactive intelligent question and answer service RobotInteractservice. And the robot Bot transmits the identified answer back to the intelligent service layer RCS, and the intelligent service layer RCS transmits the automatically generated material ID to the SMSB application. Then, the SMSB application transmits the material ID to the UMSP, and finally the UMSP transmits the material URL corresponding to the material ID back to the operator, so as to achieve the result of feeding back the corresponding 5G message content to the client, as shown in fig. 15.

The RCS does not directly configure the material ID, but calls an intelligent robot intelligent question-answer interface in an HTTP mode to search for relevant answers, matches answers prestored in an FAQ library according to user questions transmitted by a calling party and provides return values for the calling party. The RCS has a mapping relation rule that the corresponding robot Bot is matched according to the source channel.

The overall architecture of the robot system is divided into three modules: online service, production system, and offline training. The online service mainly provides a question-answering interface of the robot, records customer service logs in real time, and ensures the safety, reliability, timeliness and the like of the service; the product system provides a set of user interfaces which can enable operators to manage and maintain the knowledge base, educate the robot and check customer service data analysis; offline training uses the labeled data in the product system for robot training and the trained models to support online robot service, as shown in fig. 16.

After being called by the RCS, Bot starts to recognize a user question instance and returns a matching answer corresponding to the instance to the RCS application, and then the RCS transfers the answer to a downstream application, as shown in fig. 17.

The FAQ configuration includes: basic information, default answers, other answers, and the like. The 5G message mode configuration is mainly basic information, and the basic information comprises knowledge point classification, standard question sentences, associated question sentences and associated question setting. Classifying a directory to which a management knowledge point manages the FAQ; the standard question is a standard form for extracting similar questions of the user; the associated question can be associated with other standard question sentences, and when the customer hits the knowledge point, the associated question can be taken as a recommended question sentence and attached to the answer. Each FAQ supports setting up a question of association, and when asked and answered directly by the user, the robot answers the answer and attaches the question of association to the answer. The more similar questions and answers are found in different questions and answers with the same intention, the higher the accuracy of FAQ hit. The system supports automatic recommendation of pixel questions of the FAQ, which are reviewed by the educator and added to similar questions of the FAQ. Meanwhile, the system conducts cluster Analysis on the question of the user, compares the question with a stored FAQ library, and conducts operations including finding, labeling and updating on uncovered knowledge points.

The Bot robot realizes information transmission through tasks, and the task structure comprises the following elements: nodes, child node jump conditions and word slots. The task aims to control a task flow by setting nodes and skip conditions among the nodes, acquire word slot information sent by a user, match storage information and complete business operation.

The nodes are the actions to be performed by the Bot robot, and the nodes matched with the answer include a clarification node and an API node. The clarification node is a guided word technique that the Bot robot replies to the user in order to guide the user to fill the word slot, expecting the user to reply to the hit word slot. The API node is the call of the Bot robot to the service system, can map the user word slot information to a specific service type, and can display the service information to the user or obtain related data required by the task. Meanwhile, the background system can manage the word slots and maintain word slot description, word slot information and the like.

The Bot system may provide the ability to generalize the problem of understanding the FAQ criteria and add similar questions to the FAQ library. The rapid education can enhance the generalization ability of the robot to new FAQs and uncommon FAQs, and can pointedly improve the question answering accuracy of Bot. Meanwhile, the quality inspection system can find the wrong answer record of the Bot, judge the reason of the error and feed back to form re-education. And performing partition education on correct and wrong knowledge points of Bot, and strengthening Bot to identify correct answers, thereby improving the speed and accuracy of Bot in positioning instance information in a word slot.

Based on the above, the application example of the present application further provides a 5G message interaction mode and a multi-round interaction implementation process:

in the 5G message interface for interacting with the user, the bank sends a card message to the user, and sets a function button in the card. After clicking the card message button, the user can trigger the downloading of the multi-card information. For the button with lower button content difference, independently configuring keywords; for the button with higher button content distinction degree, the uplink message can be directly configured according to the keyword.

Step 1: the user uses the 5G mobile phone to edit the short message and sends the short message to the operator (10650518955), wherein the short message includes keywords of customer service, preference, card transaction and the like. The operator sends the information to a financial institution notification message UMSP to start entering the financial institution internal flow.

Step 2: and after receiving the information sent by the operator, the UMSP application transparently transmits the information to the SMSB application, and the SMSB application calls the RCS application of the intelligent interaction service layer to enter a user information identification process.

And step 3: after receiving the information of the SMSB application, the RCS application of the intelligent interaction service layer calls an intelligent robot Bot intelligent question-answer interface to search for relevant answers in a distributed HTTP mode, and the platform service is as follows:

http://. The. The. icbc/coca/json/com. icbc. rcs. multi. robot interactiveservice/1.0/search interactiveKnowledge. The RCS application of the intelligent interaction service layer matches the specific type of intelligent robot Bot mapped by the SMSB application in this way.

And 4, step 4: after receiving the call request of the RCS, the intelligent robot Bot forms jump between nodes in the system, finally matches the information with the information prestored in the word slot, and feeds back the standard response to the SMSB application. In particular, the intelligent robot Bot needs manual maintenance, mainly to complete the creation, editing and related management operations of the scene. After the main business process is completed, new scenes and tasks can be created in the scene tree structure on the left side of the user interface. After the editing is completed, the jumping relation among the nodes, the child nodes and the word slots can be formed.

The robot system will classify the knowledge points, standard question sentences and associated question settings. Classifying a directory to which a management knowledge point managed in the FAQ library belongs; the standard question is a standard form for extracting similar questions of the user; the association question may be associated with other standard questions. When the user information hits the knowledge point, the associated question is attached as a recommended question along with the answer. Currently, the 5G message supports default maintenance of fixed material ID, and the format is exemplified by: 568a9029eb3034a5ab5b80dfc52f6483 c.

And 5: the RCS application of the intelligent interaction service layer transparently transmits the materials and the material IDs to the UMSP application through the SMSB application, and the UMSP matches the materials with the material URLs stored in the local library. Thereafter, the UMSP transmits the material URL to the operator. An example format is:

http://83.240.65.99:35031/cmcc5gmsg/outbound/mbmp/fileservice/accesslayer/Content。

particularly, in the interactive process of the UMSP application and the Chatbot of the operator, the 5G message access layer sends a material audit result notification to the Chatbot, the audit result notification includes a material URL address, after the Chatbot acquires the URL address, the address is returned to the bank side notification message UMSP and stored in the local library for later matching with the material and the material ID uploaded by the SMSB application.

Step 6: and after receiving the URL link sent by the bank side, the operator performs matching in the material library and sends the final 5G message to the mobile phone of the client. An example of 5G message content is:

the user edits the short message content and comprises keywords of customer service, service and the like, wherein the name of a card with the card serial number of 1 is financial institution 15 edition exchange machine 15 second edition, mp4, and the title is financial institution mobile phone bank, which is described as new power, new experience, new value, new fusion and new ecology, and provides the names of buttons of App download, intelligent customer service, hot sales and financial management and hot activities, and each button is provided with a jump link.

In summary, the application provides a 5G financial message data processing method, a 5G message interaction mode can increase contact with users, a terminal provider is at the upstream to cooperate with three operators, so that a relatively stable market at home can be ensured, a huge user group is at the downstream to integrate terminals and operators, and multi-directional market demands can be provided. Compared with the traditional short message bank interaction mode, the 5G message interaction mode has the following advantages:

(1) the usability and the learning of the 5G message interaction mode are strong, and a user can handle services only by using flow. The 5G message interaction mode can be connected with the upstream and the downstream, becomes an important node in the financial field, gradually moves the existing banking business to the 5G message platform, not only can provide service for users, but also can create value simultaneously, and finally constructs a financial ecological value chain based on the 5G message interaction mode.

(2) The 5G message interaction mode is used for serving a client by using the client dimension, and when the client transacts different services, the authentication mode is selected and adjusted, so that the user acceptance is high. Meanwhile, the user can transact business more conveniently.

(3) The 5G message interaction mode has better usability and extensibility, breaks through barriers among channels, is smoother in service problem circulation, and can track and solve other problems extended by the existing problems of the clients more carefully. Meanwhile, the 5G message platform can provide not only text answering service, but also audio and video service content, and interaction experience of customers is enhanced.

In terms of hardware, in order to improve convenience and intelligence of short message interaction between a user and a financial institution, the application provides an embodiment of an electronic device for implementing all or part of content in the first 5G financial message data processing method or the second 5G financial message data processing method, where the electronic device specifically includes the following content:

fig. 18 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 18, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 18 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the 5G financial message data processing functions may be integrated into a central processor. Wherein the central processor may be configured to control:

Alternatively, the central processor may be configured to control as follows:

As can be seen from the above description, the electronic device provided in the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provides peer-to-peer, targeted, and personalized services, and shortens the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

In another embodiment, the financial institution service apparatus may be configured separately from the central processor 9100, for example, the financial institution service apparatus may be configured as a chip connected to the central processor 9100, and the 5G financial message data processing function is realized by the control of the central processor.

As shown in fig. 18, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 18; further, the electronic device 9600 may further include a component not shown in fig. 18, and reference may be made to the related art.

As shown in fig. 18, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

An embodiment of the present application further provides a computer-readable storage medium capable of implementing all the steps in the first 5G financial message data processing method or the second 5G financial message data processing method in the foregoing embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the first 5G financial message data processing method or the second 5G financial message data processing method, where the execution subject of the computer program is a server or a client, for example, the processor implements the following steps when executing the computer program:

Alternatively, the processor implements the following steps when executing the computer program:

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application can effectively implement conversion between the material identifier, the material resource acquisition address, and the financial interaction material for sending the 5G information related to the financial content to the user, and through interaction with the user, provide peer-to-peer, targeted, and personalized services, and shorten the time for the user to transact business and perform security authentication; the method has the advantages that the participation of an external manufacturer is not needed, the information leakage risk can be effectively reduced, after the operator docks the material library of the operator with the financial institution, the material update of the interaction of the operator can be regularly and timely obtained, the output efficiency of the 5G financial information of the financial institution can be greatly improved by the mode, the traditional short message interaction mode of the financial institution is gradually replaced, the user can more conveniently enjoy the financial service provided by the financial institution, and the user experience of the financial institution and the user is effectively improved.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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 (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A5G financial message data processing method is characterized by comprising the following steps:

2. The 5G financial message data processing method of claim 1 further comprising:

3. The 5G financial message data processing method of claim 1 wherein identifying a keyword and a material identifier corresponding to the keyword from the interactive message and selecting a material resource acquisition address corresponding to the material identifier from a local address repository comprises:

4. The 5G financial message data processing method of claim 3 wherein said applying the intelligent service layer to identify the keyword of the interactive message and the material identifier corresponding to the keyword comprises:

5. A5G financial message data processing method is characterized by comprising the following steps:

6. The 5G financial message data processing method of claim 5 further comprising:

7. A financial institution servicing apparatus, comprising:

8. An operator service apparatus, comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the 5G financial message data processing method of any one of claims 1 to 4 when executing the computer program or the processor implements the 5G financial message data processing method of claim 5 or 6 when executing the computer program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the 5G financial message data processing method of any one of claims 1 to 4, or which, when being executed by a processor, implements the 5G financial message data processing method of claim 5 or 6.