CN114792228A

CN114792228A - Business handling method, device, equipment and medium

Info

Publication number: CN114792228A
Application number: CN202210419884.9A
Authority: CN
Inventors: 郑建; 刘超; 李德强
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-04-20
Filing date: 2022-04-20
Publication date: 2022-07-26

Abstract

The present application relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a medium for handling a service. The method and the device are used for solving the problems that in the prior art, when a plurality of services are handled by the same user at the same time, repeated information needs to be filled in by counter staff, the repeated information needs to be confirmed by the user, manpower resources are wasted, and service handling efficiency is low. In the embodiment of the application, the electronic equipment provides a joint transaction function, if a joint transaction request for performing joint transaction on at least two services of the same user is received, prompt information for acquiring user information and related information of each service is output, and the electronic equipment only acquires the user information once, so that counter staff only need to fill the user information once, the electronic equipment sends the user information and the related information of each service to preset equipment for confirmation by the user, and the user only needs to confirm the user information once, so that the service transaction efficiency can be improved, and the waste of human resources is reduced.

Description

Business handling method, device, equipment and medium

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a medium for service handling.

Background

In the prior art, when a counter transacts services, such as money taking, saving, transferring, opening an account, and the like, counter staff are usually required to fill in and confirm user information and service related information. The user information comprises information such as a user name and an identification number, and the related information of the service comprises information such as a service type and a specific amount, wherein the service type comprises money fetching, money saving, account transferring, account opening and the like.

However, there is often a need for a user to handle multiple services simultaneously in the prior art, and when handling multiple services of the same user in the prior art, one service is generally handled before another service is handled, and a counter staff needs to fill in user information and service-related information once, so that the counter staff needs to fill in user information many times, and the user needs to confirm the user information and service-related information filled by the counter staff each time, and therefore the user also needs to confirm the user information many times, which causes a lot of waste of human resources and reduces the efficiency of service handling.

Disclosure of Invention

The embodiment of the application provides a service handling method, a service handling device, equipment and a medium, which are used for solving the problems that in the prior art, when a plurality of services are handled for the same user at the same time, counter staff need to fill in repeated information, the user needs to confirm the repeated information, manpower resources are wasted, and the service handling efficiency is low.

In a first aspect, an embodiment of the present application provides a service handling method, where the method includes:

receiving a joint transacting request for performing joint transacting on at least two services of the same user, and outputting prompt information for acquiring user information and related information of each service;

receiving input user information and relevant information of each service; sending the user information and the related information of each service to preset equipment to be confirmed by a user;

and if a pass confirmation instruction returned by the preset equipment is received, transacting each service of the user according to the user information and the related information of each service.

Further, after receiving a pass confirmation instruction returned by the preset device, before transacting each service of the user according to the user information and the related information of each service, the method further includes:

judging whether each service has a pre-stored service needing authorization;

if yes, sending the user information and the related information of each service to authorization equipment for authorization, and if an authorization passing instruction returned by the authorization equipment is received, executing the subsequent steps of handling each service of the user according to the user information and the related information of each service;

if not, executing the subsequent steps of handling each service of the user according to the user information and the related information of each service.

if the confirmation pass instruction comprises a confirmation password, acquiring target identification information of a user account included in the user information, and determining a target password corresponding to the target identification information according to a corresponding relation between pre-stored identification information and the password;

and if the confirmation password is consistent with the target password, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

Further, the method further comprises:

and if the confirmation password is inconsistent with the target password, outputting preset reminding information.

Further, transacting each service of the user comprises:

if the deposit business exists in each business, the deposit business is processed, otherwise, each business is processed in sequence according to the time sequence of receiving the relevant information.

Further, the method further comprises:

if each service is not any one of the preset types of services, generating and printing a combined certificate corresponding to each service; the preset type services include a passbook transaction, a bankcard transaction and a deposit receipt transaction.

In a second aspect, an embodiment of the present application further provides a service handling apparatus, where the apparatus includes:

the receiving and outputting module is used for receiving a joint transacting request for performing joint transacting on at least two services of the same user and outputting prompt information for acquiring user information and related information of each service;

the receiving and sending module is used for receiving the input user information and the related information of each service; sending the user information and the related information of each service to preset equipment for a user to confirm;

and the processing module is used for handling each service of the user according to the user information and the related information of each service if a pass confirmation instruction returned by the preset equipment is received.

Further, the processing module is further configured to determine whether a pre-stored service that needs to be authorized exists in each service; if yes, sending the user information and the related information of each service to authorization equipment for authorization, and if an authorization passing instruction returned by the authorization equipment is received, executing a subsequent step of handling each service of the user according to the user information and the related information of each service; if not, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

Further, the processing module is further configured to, if the confirmation pass instruction includes a confirmation password, obtain target identification information of a user account included in the user information, and determine a target password corresponding to the target identification information according to a correspondence between pre-stored identification information and a password; and if the confirmation password is consistent with the target password, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

Further, the processing module is further configured to output preset prompting information if the confirmation password is inconsistent with the target password.

Further, the processing module is further configured to handle the deposit service first if the deposit service exists in each service, and otherwise handle each service in sequence according to the time sequence of receiving the relevant information.

Further, the processing module is further configured to generate and print a combined certificate corresponding to each service if each service is not any one of the preset types of services; the preset type of service comprises a bankbook transaction, a bankcard transaction and a deposit receipt transaction.

In a third aspect, an embodiment of the present application further provides an electronic device, where the electronic device includes at least a processor and a memory, and the processor is configured to implement the steps of the business transaction method according to any one of the above when executing a computer program stored in the memory.

In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the steps of the service handling method according to any one of the foregoing methods.

In a fifth aspect, an embodiment of the present application further provides a computer program product, where the computer program product includes: computer program code which, when run on a computer, causes the computer to perform the steps of the business transaction method as described in any one of the above.

In the embodiment of the application, the electronic equipment receives a joint transacting request for performing joint transacting on at least two services of the same user and outputs prompt information for acquiring user information and related information of each service; receiving input user information and relevant information of each service; sending the user information and the related information of each service to preset equipment for the user to confirm; and if a pass confirmation instruction returned by the preset equipment is received, handling each service according to the user information and the related information of each service. In the embodiment of the application, the electronic equipment provides a joint transaction function, if a joint transaction request for performing joint transaction on at least two services of the same user is received, prompt information for acquiring user information and related information of each service is output, and the electronic equipment only acquires the user information once, so that counter staff only need to fill the user information once, the electronic equipment sends the user information and the related information of each service to preset equipment for confirmation by the user, and the user only needs to confirm the user information once, so that the service transaction efficiency can be improved, and the waste of human resources is reduced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only 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 schematic diagram of a service handling process according to an embodiment of the present application;

FIG. 2 is a schematic diagram illustrating a detailed process of service handling according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a service handling apparatus according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

The present application will now be described more fully hereinafter with reference to the accompanying drawings, in which some, but not all embodiments of the invention are shown. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without making any creative effort belong to the protection scope of the present application.

In the embodiment of the application, the electronic equipment receives a joint transacting request for performing joint transacting on at least two services of the same user and outputs prompt information for acquiring user information and related information of each service; receiving input user information and relevant information of each service; sending the user information and the related information of each service to preset equipment to be confirmed by a user; and if a pass confirmation instruction returned by the preset equipment is received, handling each service according to the user information and the related information of each service.

In order to improve the efficiency of service handling, embodiments of the present application provide a method, an apparatus, a device, and a medium for service handling.

Example 1:

fig. 1 is a schematic view of a service handling process provided in an embodiment of the present application, where the process includes the following steps:

s101: receiving a joint transacting request for performing joint transacting on at least two services of the same user, and outputting prompt information for acquiring user information and related information of each service.

The business handling method provided by the embodiment of the application is applied to electronic equipment, and the electronic equipment can be intelligent equipment such as a PC (personal computer) or a server.

In the embodiment of the application, if the electronic device receives a joint transaction request for joint transaction of at least two services of the same user, prompt information for acquiring user information and related information of each service can be output.

If the same user has the requirement for handling at least two services, the requirement can be provided for counter staff, the counter staff selects each corresponding service on the page of the equipment through the equipment used by the counter staff and clicks a preset button, for example, a 'joint handling' button, and the electronic equipment can receive a joint handling request, wherein the electronic equipment can be the equipment used by the counter staff or the equipment which has a connection relation with the equipment used by the counter staff.

In order to inform counter staff of the next work to be carried out, the electronic equipment outputs prompt information for acquiring user information and related information of each service after receiving a joint transaction request for carrying out joint transaction on at least two services. If the electronic equipment is used by counter staff, the electronic equipment can display prompt information for acquiring user information and relevant information of each service; if the electronic equipment is the equipment which has a connection relation with the equipment used by the counter staff, the electronic equipment sends the prompt information for acquiring the user information and the related information of each service to the equipment used by the counter staff, and the equipment used by the counter staff displays the prompt information for acquiring the user information and the related information of each service.

The number of services handled jointly does not normally exceed a preset number, which may be any number, for example 5.

The jointly handled services may be the same type of service, or different types of services, for example, all the services may be transfer services, or transfer services and other services. The service types may include: deposit, transfer account, withdrawal, purchase of financial products, sale of personal real precious metals, and the like.

S102: receiving input user information and relevant information of each service; and sending the user information and the related information of each service to preset equipment to be confirmed by the user.

After the electronic equipment outputs prompt information for acquiring the user information and the related information of each service, the counter staff can input the user information and the related information of each service through the equipment of the counter staff, so that the electronic equipment receives the input user information and the related information of each service.

Specifically, the counter staff may input the user information and the related information of each service on a preset page through a device used by the counter staff, and click a preset button after the input is completed, for example, "combination submission", so that the electronic device may receive the input user information and the related information of each service.

After receiving the input user information and the relevant information of each service, the electronic equipment sends the user information and the relevant information of each service to the preset equipment, so that a user can confirm whether the user information and the relevant information of each service are accurate or not through the preset equipment. The electronic device may send the user information and the information that needs to be confirmed by the user in the related information of each service to the preset device, so that the user can confirm the information, specifically, the user information that needs to be confirmed by the user is the same as the user information that needs to be confirmed by the user in the prior art, and for each service, the related information of the service that needs to be confirmed by the user is the same as the related information of the service that needs to be confirmed by the user in the prior art.

If two services are handled simultaneously, in one implementation, the counter staff may input the user information and the related information of the first service on the first page through the equipment used by the counter staff, and click a preset button, such as a "join transaction car" button, at this time, the equipment sends the user information and the related information of the first service to the electronic equipment, the electronic equipment sends the second page to the equipment used by the counter staff, and the counter staff inputs the related information of the second service on the second page through the equipment used by the counter staff. The first page is a page corresponding to a first service in the prior art, user information needs to be input into both the first page and a second page in the prior art, and since the counter staff has already input the user information into the first page, when the electronic device sends the second page to a device used by the counter staff, the electronic device can generate a corresponding second page according to the received user information, wherein the second page can be a page carrying the user information or a page without a user information input column. The user information includes: the certificate type, the certificate number, the user name, the identity checking result and the like of the user.

If three or more services are handled simultaneously, in one embodiment, the counter staff may input the user information and the related information of the first service on a first page through the equipment used by the counter staff, and click a preset button, such as a "join transaction car" button, at this time, the equipment sends the user information and the related information of the first service to the electronic equipment, the electronic equipment sends a second page to the equipment used by the counter staff, the counter staff inputs the related information of the second service on the second page through the equipment used by the counter staff, and clicks a preset button, such as a "join transaction car" button, at this time, the equipment sends the related information of the second service to the electronic equipment, the electronic equipment sends a third page to the equipment used by the counter staff, the counter staff inputs the related information of the third service on the third page through the equipment used by the counter staff, until the relevant information of each service is input.

S103: and if a pass confirmation instruction returned by the preset equipment is received, transacting each service of the user according to the user information and the related information of each service.

In the embodiment of the application, after the electronic device sends the user information and the related information of each service to the preset device, the preset device displays the received user information and the related information of each service, the user confirms whether the user information displayed by the preset device and the related information of each service are accurate, if the user confirms that the user information and the related information of each service are accurate, the user clicks the preset button through the preset device, the preset device sends the confirmation passing instruction to the electronic device after detecting that the preset button is clicked, and the electronic device can receive the confirmation passing instruction returned by the preset device. The preset device is a processing terminal in a counter for users to view related information.

And if the electronic equipment receives a pass confirmation instruction returned by the preset equipment, transacting each service of the user according to the user information and the related information of each service. How to handle the corresponding service according to the user information and the related information of the service is the prior art, and is not described herein again.

According to the embodiment of the application, the electronic equipment provides a joint handling function, if a joint handling request for performing joint handling on at least two services of the same user is received, prompt information for acquiring relevant information of each service of user information is output, counter staff only need to fill the user information once because the electronic equipment only acquires the user information once, the electronic equipment sends the user information and the relevant information of each service to preset equipment for a user to confirm, and the user only needs to confirm the user information once, so that the service handling efficiency can be improved, and the waste of human resources is reduced.

Example 2:

in order to improve the efficiency of service handling, on the basis of the foregoing embodiment, in this embodiment of the application, after receiving a confirmation passing instruction returned by the preset device, before handling each service of the user according to the user information and the related information of each service, the method further includes:

judging whether each service has a pre-stored service needing authorization;

if yes, sending the user information and the related information of each service to authorization equipment for authorization, and if an authorization passing instruction returned by the authorization equipment is received, executing a subsequent step of handling each service of the user according to the user information and the related information of each service;

In an actual application scenario, due to a service type or related information of a service, there may be a situation that a certain service cannot be handled directly, for example, a certain user takes too much money, for example, an account opening service, and if a certain service cannot be handled directly, a manager needs to check user information and related information of the service, so as to determine whether to authorize or not, and whether to allow the electronic device to handle the related service.

In the embodiment of the application, after receiving a confirmation passing instruction returned by the preset device, the electronic device confirms whether a service which needs to be authorized exists in each service according to the relevant information of each service. The method for determining whether each service is a service that needs to be authorized during the joint transaction is the same as the method for determining whether a service is a service that needs to be authorized in the prior art, and is not described herein again.

If each service is not a service that needs to be authorized, the electronic device can handle each service directly, that is, the electronic device continues to execute the step of handling each service of the user subsequently.

If any service is a service needing authorization, the electronic equipment cannot handle each service directly, at the moment, the electronic equipment sends the user information and the related information of each service to the authorization equipment, after the authorization equipment displays the received user information and the related information of each service, a manager checks whether the user has the related authority for handling each service through the displayed user information and the related information of each service, and if the manager confirms that the user has the related authority for handling each service, the manager can send an authorization passing instruction to the electronic equipment through the authorization equipment, wherein the manager can click a preset button of the authorization equipment, and the authorization equipment sends an authorization passing instruction to the electronic equipment. And the electronic equipment can execute the subsequent steps of transacting each service of the user after receiving the authorization passing instruction returned by the authorization equipment.

In the embodiment of the application, the static authorization and the dynamic authorization can be included, the static authorization is an authorization passing instruction which is returned by a manager with a smaller authority through an authorization device, and the dynamic authorization is an authorization passing instruction which is returned by a manager with a larger authority through the authorization device. The authorization device corresponding to the administrator with the smaller authority may be referred to as a first authorization device, and the authorization device corresponding to the administrator with the larger authority may be referred to as a second authorization device. In a practical application scenario, the electronic device may first determine whether there is a service that requires static authorization in each service. If the business needing static authorization does not exist, the electronic equipment executes the step of transacting each business of the user; if the service needing static authorization exists, the user information and the related information of each service are sent to a first authorization device, after an authorization passing instruction returned by the first authorization device is received, whether the service needing dynamic authorization exists in each service is determined, if the service needing dynamic authorization exists, the user information and the related information of each service are sent to a second authorization device, after the electronic device receives the authorization passing instruction returned by the second authorization device, the electronic device executes a step of handling each service of the user, and if the service needing dynamic authorization does not exist, the electronic device executes a step of handling each service of the user.

It should be noted that, if each service is a service that needs authorization, by adopting the scheme of the embodiment of the present application, the administrator does not need to repeatedly verify the user information, and the work efficiency of the administrator can be improved.

In the embodiment of the application, if at least one service has a problem in the authorization process, the authorization device sends a notification of authorization failure to the electronic device, and the electronic device determines that the joint authorization processing fails. The authorization result and the reason may be filled in by the manager through a preset page of the authorization device, and the manager clicks a preset button, for example, a "submit" button, then the authorization device sends the authorization result and the reason to the electronic device, and the electronic device sends the authorization result and the reason to the device used by the counter staff.

In the embodiment of the application, when the electronic device sends the user information and the related information of each service to the authorization device, the authorization device generates an authorization serial number for the currently jointly transacted service, and marks the currently jointly transacted service through the authorization serial number. Wherein each authorization sequence number generated by the electronic device is not repeated. When the authorization device generates the authorization serial number each time, the authorization device can acquire the authorization serial number generated last time, and perform processing of increasing a preset numerical value on the authorization serial number generated last time to generate a new authorization serial number. In particular, how the authorized serial number is generated is not limited herein.

In the embodiment of the application, the administrator usually refers to the user information and the related information of each service, and for facilitating the audit, when submitting the user information and the related information of the service, the administrator can also provide the information of the image data in the related information of the user information and the service, such as an identity card copy, a bank card copy, and the like. When the counter staff inputs the user information and the related information of the business, the user information and the related information of the business can be manually input on the equipment used by the counter staff, then the image data are scanned in batch or independently through the scanning equipment, after the image data are scanned by the scanning equipment, the scanned image data are sent to the equipment used by the counter staff through the scanning equipment, the image data corresponding to the user information manually filled by the counter staff can be automatically marked by the equipment used by the counter staff, and the image data corresponding to the related information of the business can be further marked by the counter staff through the equipment used by the counter staff. The counter staff can select a certain image data through the equipment used by the counter staff, select the 'mark' button and select corresponding related information in the related information of the popped-up service.

Example 3:

in order to ensure the property security of the user, on the basis of the foregoing embodiments, in this embodiment of the application, after receiving a confirmation passing instruction returned by the preset device, before transacting each service of the user according to the user information and the related information of each service, the method further includes:

In the embodiment of the application, in order to ensure the property security of the user, a service which requires the user to input a confirmation password may exist in each transacted service, for example, a money taking service, and if the service which requires the user to input the confirmation password exists in each transacted service, the confirmation pass instruction returned by the preset device includes the confirmation password, wherein the confirmation pass instruction may be that the user inputs the confirmation password through the preset device and clicks a preset button, and the preset device may send the confirmation pass instruction to the electronic device.

If the confirmation pass instruction comprises the confirmation password, the electronic equipment judges whether the confirmation password is accurate. Specifically, a correspondence between identification information and a password is pre-stored in the electronic device, the electronic device obtains target identification information of a user account included in the user information, and determines that, in the correspondence between the pre-stored identification information and the password, the password corresponding to the target identification information is a target password, the target password is an accurate password corresponding to the user account, the electronic device determines whether the confirmation password is consistent with the target password, if so, it is determined that the confirmation password included in the pass instruction is accurate, and the electronic device executes a subsequent step of handling each service of the user. The identification information of the user account may be a bank card number of the user or a passbook number of a passbook, etc.

In order to improve the user experience, on the basis of the foregoing embodiments, in an embodiment of the present application, the method further includes:

In the embodiment of the application, if the password is inconsistent with the target password, preset reminding information is output to remind a user and counter staff. The preset reminding information can be sent to equipment used by counter staff, or can be sent to preset equipment.

In a possible implementation manner, the services transacted jointly in this embodiment may be services of the same account of the same user. The identification information of the user account may be included in the related information of the service, and if the identification information of the user account is included in the related information of the service, the service that is transacted in a combined manner may not be the same account of the same user, that is, the identification information of the user account is different in the related information of the service transacted in a combined manner. For example, if the services to be transacted by a certain user are the transfer service of bank card a and the money-drawing service of bank card B, respectively, the identification information of the user account in the related information of the jointly transacted services is different, that is, the jointly transacted services are not the services of the same account of the same user, so that the electronic device can judge whether the identification information of the user account in the jointly transacted services is consistent after acquiring the related information of each service, and if the identification information of the user account is not consistent, the electronic device sends prompt information to equipment or preset equipment used by counter staff, where the prompt information can be "please select the service of the same medium for joint transacting! ".

Example 4:

in order to improve the business transaction efficiency, on the basis of the foregoing embodiments, in an embodiment of the present application, the transaction of each business of the user includes:

if the deposit business exists in each business, the deposit business is handled first, otherwise, each business is handled in sequence according to the time sequence of receiving the relevant information.

In the embodiment of the application, if each transaction includes a deposit transaction and a transaction requiring payment, for example, a deposit transaction and a withdrawal transaction, if the transaction requiring payment is processed first, the account amount may be smaller than the payment amount, so that the transaction requiring payment cannot be processed. Therefore, in the embodiment of the application, if the deposit business exists in each business, the deposit business is processed first, so that the situation that certain businesses cannot be processed due to insufficient amount of money of an account is avoided. And if the deposit business does not exist in each business, the electronic equipment processes each business in sequence according to the time sequence of receiving the relevant information. If two services are transacted jointly, and the related information of the first service is received first and then the related information of the second service is received, the electronic device may transact the first service and then the second service. The time sequence of the electronic equipment receiving the relevant information is the same as the sequence of the counter staff filling the relevant information.

In order to save resources, on the basis of the foregoing embodiments, in an embodiment of the present application, the method further includes:

In the embodiment of the application, jointly transacted business can be recorded on a certificate, and the certificate can be called a combined certificate, so that paper resources are saved. In an actual application scenario, a preset type of service that cannot be printed with a combined certificate together with other services, such as a passbook transaction, a bankcard transaction, a deposit receipt transaction, is pre-stored in the electronic device. Therefore, the electronic device determines whether each service is not any one of the preset types of services, and if not, the electronic device generates a combined certificate corresponding to each service and prints the combined certificate. Wherein the printing device may be controlled to print the combined certificate. If any one of the preset types of services exists in each service, the electronic equipment generates a corresponding combined certificate for the non-preset type of service.

In the embodiment of the application, the elements contained in the combined certificate are different according to different jointly transacted services, wherein each element in the certificate corresponding to a single service is contained in the combined certificate. Specifically, when the combined certificate is generated, the electronic device stores, for each service, an element corresponding to the service, where the element may be referred to as a non-duplicate certificate element, and the electronic device may sequentially obtain, in the related information of the service, a field value corresponding to each element corresponding to the service, and sequentially record, in the combined certificate, each element and the corresponding field value according to a preset order. If every element corresponding to one service is recorded in the combined certificate, another line is formed in the combined certificate, and every element and corresponding field value of other services are recorded, so that obvious region division exists between every two services.

In the embodiment of the present application, field values corresponding to two elements, namely "business name" and "credential name", may be added before recording each business. How to obtain the field value corresponding to each element is the prior art, and is not described herein again. In the embodiment of the application, only part of information in the certificates corresponding to a plurality of services is combined together to generate the corresponding combined certificate. In addition, the 'organization number', the 'teller number' and the corresponding field values are displayed at the preset position of the combined certificate. The jointly transacted business generates a set number for marking that the businesses belong to the same group, and the preset position of the combined certificate needs to record the set number. The combined certificate temporarily records two elements and corresponding field values in a line, and restarts the recording in the line if more characters of one element and the corresponding field value are not displayed completely.

In a practical application scenario, the credentials that the bank side needs to retain include credentials that need to be signed by the user and credentials that do not need to be signed by the user. In the embodiment of the application, the voucher used by the electronic device is a preset voucher made by a unified machine, and the size of the voucher used by the electronic device can be 210.00mm × 297.00 mm. And a user signature area is reserved at a preset position of the certificate in advance and marked with a field name: and (4) signing the user.

Example 5:

for convenience of description, in the embodiment of the present application, the two services are referred to as a first service and a second service, respectively. When the counter staff can do joint transaction, the user information and the related information of the first service are filled in the corresponding page through the equipment used by the counter staff, after the completion of the joint transaction, the 'join transaction vehicle' button is clicked, the 'add service' button is clicked, the equipment used by the counter staff sends the user information and the related information of the first service to the electronic equipment, the electronic equipment sends a new page to the equipment used by the counter staff, the counter staff fills the related information of the second service needing joint transaction in the new page through the equipment used by the counter staff and clicks the 'join transaction vehicle' button, the equipment used by the counter staff sends the related information of the second service to the electronic equipment, the electronic equipment temporarily stores the related information of the first service and the related information of the second service, namely, the electronic equipment temporarily stores the information corresponding to the service clicked 'join transaction vehicle' button, the counter staff selects a 'joint handling' button through the equipment used by the counter staff, and the electronic equipment sends the user information, the related information of the first service and the related information of the second service to preset equipment for the user to confirm.

In the embodiment of the application, the relevant information of the service added into the 'trading car' can only be deleted and cannot be modified, and if the relevant information of a certain service or the user information is wrongly input, only the service is deleted. When the vehicle enters again after abnormal exit, the information temporarily stored in the transaction vehicle is still kept. If the information temporarily stored in the counter staff transaction vehicle, the 'clear' button is clicked.

In a possible implementation manner, if a counter staff member clicks a "submit" button after inputting user information and information related to a first service on a first page of a device used by the counter staff member, it indicates that there is no demand for joint transaction currently, and the electronic device can directly perform transaction according to a single service.

It should be noted that, in the embodiment of the present application, the handling permission of the counter staff may not be changed with the presentation of the joint handling function, for example, if a certain counter staff does not have the permission to handle a deposit service, in each service handled jointly, if a deposit service exists, the counter staff cannot handle the corresponding service for the user.

Fig. 2 is a schematic diagram of a detailed process of service handling provided in an embodiment of the present application, where the process includes the following steps:

s201: the user puts forward the requirements of the joint handling.

S202: the counter staff inputs the user information and the related information of each service through the equipment used by the counter staff, and the equipment used by the counter staff sends the user information and the related information of each service to the electronic equipment.

S203: and the electronic equipment sends the user information and the related information of each service to preset equipment to be confirmed by the user.

S204: and the user confirms through the preset equipment, and the preset equipment returns a confirmation passing instruction to the electronic equipment.

S205: the electronic device judges whether each service exists in the services which are pre-stored and need to be authorized, if yes, S206 is executed, and if not, S207 is executed.

S206: the electronic device sends the user information and the related information of each service to the authorization device, and executes S208.

S207: the electronic device handles each transaction.

S208: the manager authorizes through the authorization device, the authorization device returns an authorization pass instruction to the electronic device, and S207 is executed.

Example 6:

fig. 3 is a schematic structural diagram of a service handling apparatus according to an embodiment of the present application, where the apparatus includes:

a receiving and outputting module 301, configured to receive a joint transaction request for performing joint transaction on at least two services of the same user, and output prompt information for acquiring user information and related information of each service;

a receiving and sending module 302, configured to receive input user information and related information of each service; sending the user information and the related information of each service to preset equipment for a user to confirm;

and the processing module 303 is configured to handle each service of the user according to the user information and the related information of each service if a pass confirmation instruction returned by the preset device is received.

In a possible implementation manner, the processing module 303 is further configured to determine whether a pre-stored service that needs to be authorized exists in each service; if yes, sending the user information and the related information of each service to authorization equipment for authorization, and if an authorization passing instruction returned by the authorization equipment is received, executing a subsequent step of handling each service of the user according to the user information and the related information of each service; if not, executing the subsequent steps of handling each service of the user according to the user information and the related information of each service.

In a possible implementation manner, the processing module 303 is further configured to, if the confirmation passing instruction includes a confirmation password, obtain target identification information of the user account included in the user information, and determine a target password corresponding to the target identification information according to a correspondence between pre-stored identification information and a password; and if the confirmation password is consistent with the target password, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

In a possible implementation manner, the processing module 303 is further configured to output a preset prompting message if the confirmation password is inconsistent with the target password.

In a possible implementation manner, the processing module 303 is further configured to handle the deposit service first if the deposit service exists in each service, and otherwise handle each service sequentially according to the time sequence of receiving the relevant information.

In a possible implementation manner, the processing module 303 is further configured to generate and print a combined certificate corresponding to each service if each service is not any one of the preset types of services; the preset type of service comprises a bankbook transaction, a bankcard transaction and a deposit receipt transaction.

Example 7:

fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present application, and on the basis of the foregoing embodiments, the embodiment of the present application further provides an electronic device, as shown in fig. 4, including: the system comprises a processor 401, a communication interface 402, a memory 403 and a communication bus 404, wherein the processor 401, the communication interface 402 and the memory 403 complete mutual communication through the communication bus 404;

the memory 403 has stored therein a computer program which, when executed by the processor 401, causes the processor 401 to perform the steps of:

receiving input user information and relevant information of each service; sending the user information and the related information of each service to preset equipment for a user to confirm;

In a possible implementation manner, after receiving a confirmation passing instruction returned by the preset device, before transacting each service of the user according to the user information and the related information of each service, the method further includes:

judging whether each service has a pre-stored service needing authorization;

if not, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

In one possible embodiment, the method further comprises:

In a possible embodiment, said transacting each service of the user comprises:

In one possible embodiment, the method further comprises:

The communication bus mentioned in the above server may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The communication bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown, but this is not intended to represent only one bus or type of bus.

The communication interface is used for communication between the electronic equipment and other equipment.

The Memory may include a Random Access Memory (RAM) or a Non-Volatile Memory (NVM), such as at least one disk Memory. Alternatively, the memory may be at least one memory device located remotely from the aforementioned processor.

The Processor may be a general-purpose Processor, including a central processing unit, a Network Processor (NP), and the like; but may also be a Digital instruction processor (DSP), an application specific integrated circuit, a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, etc.

Example 8:

on the basis of the foregoing embodiments, an embodiment of the present application further provides a computer-readable storage medium, in which a computer program executable by an electronic device is stored, and when the program is run on the electronic device, the electronic device is caused to perform the following steps:

the memory has stored therein a computer program that, when executed by the processor, causes the processor to perform the steps of:

judging whether each service has a pre-stored service needing authorization;

In one possible embodiment, the method further comprises:

In a possible embodiment, said transacting each service of the user comprises:

In one possible embodiment, the method further comprises:

if each service is not any one of the preset types of services, generating and printing a combined certificate corresponding to each service; the preset type of service comprises a bankbook transaction, a bankcard transaction and a deposit receipt transaction.

Example 9:

the embodiment of the present application further provides a computer program product, and when executed by a computer, the computer program product implements the service handling method in any method embodiment applied to the electronic device.

In the above embodiments, the implementation may be realized in whole or in part by software, hardware, firmware, or any combination thereof, and may be realized in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions which, when loaded and executed on a computer, cause a process or function according to an embodiment of the application to be performed, in whole or in part.

According to the embodiment of the application, the electronic equipment provides a joint handling function, if a joint handling request for performing joint handling on at least two services of the same user is received, prompt information for acquiring user information and related information of each service is output, counter staff only need to fill the user information once because the electronic equipment only acquires the user information once, the electronic equipment sends the user information and the related information of each service to preset equipment for a user to confirm, and the user only needs to confirm the user information once, so that the service handling efficiency can be improved, and the waste of human resources is reduced.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to the application. 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.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A method for transaction, the method comprising:

2. The method according to claim 1, wherein after receiving the pass confirmation instruction returned by the preset device, before transacting each service of the user according to the user information and the related information of each service, the method further comprises:

judging whether each service has a pre-stored service needing authorization;

3. The method according to claim 1, wherein after receiving the confirmation passing instruction returned by the preset device, before transacting each service of the user according to the user information and the related information of each service, the method further comprises:

4. The method of claim 3, further comprising:

5. The method of claim 1, wherein transacting each transaction of the user comprises:

6. The method of claim 1, further comprising:

7. A transaction apparatus, the apparatus comprising:

the receiving and sending module is used for receiving the input user information and the related information of each service; sending the user information and the related information of each service to preset equipment to be confirmed by a user;

and the processing module is used for handling each service of the user according to the user information and the related information of each service if a confirmation passing instruction returned by the preset equipment is received.

8. The apparatus of claim 7, wherein the processing module is further configured to determine whether there is a pre-stored service that needs to be authorized in each service; if yes, sending the user information and the related information of each service to authorization equipment for authorization, and if an authorization passing instruction returned by the authorization equipment is received, executing the subsequent steps of handling each service of the user according to the user information and the related information of each service; if not, executing the subsequent steps of handling each service of the user according to the user information and the related information of each service.

9. The apparatus according to claim 7, wherein the processing module is further configured to, if the confirmation pass instruction includes a confirmation password, obtain target identification information of the user account included in the user information, and determine a target password corresponding to the target identification information according to a correspondence between pre-stored identification information and a password; and if the confirmation password is consistent with the target password, executing the subsequent step of handling each service of the user according to the user information and the related information of each service.

10. The apparatus of claim 9, wherein the processing module is further configured to output a preset alert message if the confirmation password is inconsistent with the target password.

11. The apparatus of claim 7, wherein the processing module is further configured to handle the deposit service first if there is a deposit service in each service, and otherwise handle each service in sequence according to a time sequence of receiving the relevant information.

12. The apparatus according to claim 7, wherein the processing module is further configured to generate and print a combined certificate corresponding to each service if each service is not any one of the services of the preset types; the preset type services include a passbook transaction, a bankcard transaction and a deposit receipt transaction.

13. An electronic device, characterized in that the electronic device comprises at least a processor and a memory, the processor being adapted to carry out the steps of the method of transaction according to any of claims 1-6 when executing a computer program stored in the memory.

14. A computer-readable storage medium, characterized in that it stores a computer program which, when being executed by a processor, carries out the steps of the method of transaction according to any one of claims 1 to 6.

15. A computer program product, wherein the computer program product comprises: computer program code which, when run on a computer, causes the computer to perform the steps of the method of transaction as claimed in any of the claims 1-6.