CN115208942A - Bank business information processing method, device and business system - Google Patents

Bank business information processing method, device and business system Download PDF

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Publication number
CN115208942A
CN115208942A CN202210846569.4A CN202210846569A CN115208942A CN 115208942 A CN115208942 A CN 115208942A CN 202210846569 A CN202210846569 A CN 202210846569A CN 115208942 A CN115208942 A CN 115208942A
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China
Prior art keywords
service
data
information
voice communication
input
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CN202210846569.4A
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CN115208942B (en
Inventor
吕明明
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Bank of China Ltd
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Bank of China Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/14—Session management
    • H04L67/141—Setup of application sessions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F40/00—Handling natural language data
    • G06F40/20—Natural language analysis
    • G06F40/279—Recognition of textual entities
    • G06F40/284—Lexical analysis, e.g. tokenisation or collocates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/26—Speech to text systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
    • G10L2015/223—Execution procedure of a spoken command
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
    • G10L2015/225—Feedback of the input speech

Abstract

The invention discloses a banking business information processing method, a device and a business system, which can be applied to the field of data processing or the field of financial data processing, and when the method is applied to a user terminal, a target graphic code is read in response to the user terminal, and communication connection of a business terminal corresponding to a current business to be processed is established; acquiring voice communication data and input data of a target object corresponding to a user terminal based on communication connection; monitoring voice communication data and input data based on the service processing type corresponding to the target object, and transmitting the corresponding voice communication data and input data to a service terminal based on a monitoring result; and receiving a processing instruction fed back by the service terminal, and acquiring feedback information of the target object based on the processing instruction until the service to be processed is completed. The invention improves the safety, accuracy and efficiency of service information processing.

Description

Bank business information processing method, device and business system
Technical Field
The present invention relates to the field of information processing technologies, and in particular, to a method, an apparatus, and a business system for processing banking business information.
Background
At present, some services of the banking system need to be processed at the bank's outlet. Usually, the staff of the network point and the client outside the glass window can exchange safely, but when the network point has large flow or the environment is noisy, the exchange of the network point and the client can be influenced, business handling errors or information recording errors easily occur, the follow-up information is inconvenient to trace and inquire, and the efficiency and the accuracy of business processing are reduced.
Disclosure of Invention
In order to solve the problems, the invention provides a banking information processing method, a banking information processing device and a banking information processing system, so that the safety, accuracy and efficiency of the banking information processing are improved.
In order to achieve the purpose, the invention provides the following technical scheme:
a banking information processing method is applied to a user terminal, and comprises the following steps:
responding to the reading of the target graphic code by the user terminal, and establishing communication connection of a service terminal corresponding to the current service to be processed;
acquiring voice communication data and input data of a target object corresponding to the user terminal based on the communication connection;
monitoring the voice communication data and the input data based on the service processing type corresponding to the target object, and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result;
and receiving a processing instruction of the service terminal, and acquiring feedback information of a target object based on the processing instruction until the service to be processed is completed.
Optionally, the monitoring the voice communication data and the input data, and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result includes:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data corresponding to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
Optionally, the method further comprises:
responding to the character information input by the target object, and performing audio data conversion on the character information to obtain voice communication data;
and sending the voice communication data to the service terminal.
Optionally, the method further comprises:
responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object, and recording operation data of the service object;
and determining the acquired image acquired by acquisition and the operation data of the record as record data.
Optionally, the method further comprises:
generating an acquisition instruction corresponding to the recorded data, and sending the acquisition instruction to a service system;
and receiving the recorded data sent by the service system.
A banking information processing device applied to a user terminal, the device comprising:
the establishing unit is used for responding to the reading of the target graphic code by the user terminal and establishing the communication connection of the service terminal corresponding to the current service to be processed;
the acquisition unit is used for acquiring voice communication data and input data of a target object corresponding to the user terminal based on the communication connection;
the transmission unit is used for monitoring the voice communication data and the input data based on the service processing type corresponding to the target object and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result;
and the acquisition unit is used for receiving the processing instruction of the service terminal and acquiring the feedback information of the target object based on the processing instruction until the service to be processed is completed.
Optionally, the transmission unit is specifically configured to:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data which correspond to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
Optionally, the apparatus further comprises:
the conversion unit is used for responding to character information input by the target object and performing audio data conversion on the character information to obtain voice communication data;
and the sending unit is used for sending the voice communication data to the service terminal.
Optionally, the apparatus further comprises:
the recording unit is used for responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object and recording the operation data of the service object;
the determining unit is used for determining the acquired image acquired by acquisition and the recorded operation data as recorded data;
the receiving unit is used for generating an acquisition instruction corresponding to the recorded data and sending the acquisition instruction to a service system; and receiving the recorded data sent by the service system.
A business system comprising:
the user terminal is used for executing any banking information processing method applied to the user terminal;
the service terminal is used for generating instruction information based on the voice communication data and the input information generated by the user terminal and sending the instruction information to the user terminal;
and the server is used for verifying the transmitted information and sending a verification result to the user terminal and/or the service terminal.
Compared with the prior art, the invention provides a banking business information processing method, a banking business information processing device and a banking business system, when the method is applied to a user terminal, a user terminal reads a target graphic code in response to the user terminal, and communication connection of a business terminal corresponding to a current business to be processed is established; acquiring voice communication data and input data of a target object corresponding to a user terminal based on communication connection; monitoring voice communication data and input data based on a service processing type corresponding to the target object, and transmitting the corresponding voice communication data and input data to a service terminal based on a monitoring result; and receiving a processing instruction fed back by the service terminal, and acquiring feedback information of the target object based on the processing instruction until the service to be processed is completed. The invention can establish communication connection between the user terminal and the service terminal through the graphic code, and realize the safe interaction between the user and the staff, thereby improving the safety, the accuracy and the efficiency of service information processing.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flowchart of a banking information processing method applied to a user terminal according to an embodiment of the present invention;
fig. 2 is a schematic diagram of each streaming layer of a service system according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a data processing flow of service data according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a banking information processing apparatus according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.
The terms "first" and "second," and the like in the description and claims of the present invention and the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "comprising" and "having," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not set forth for a listed step or element but may include other steps or elements not listed.
The embodiment of the invention provides a banking business information processing method which is mainly applied to an application scene that a user and a bank branch office worker perform business processing, is convenient for the user to perform information interaction with the bank branch office worker through a user terminal of the user, can monitor, verify and record information in a full cycle of business information processing, and improves the safety, the accuracy and the efficiency of business information processing.
Referring to fig. 1, a schematic flow chart of a banking information processing method applied to a user terminal according to an embodiment of the present invention is provided, where the method includes the following steps:
s101, responding to the reading of the target graphic code by the user terminal, and establishing communication connection with a service terminal corresponding to the current service to be processed.
When the target object needs to do relevant business, the user terminal can be used to read the target graphic code set on the corresponding window so as to establish communication connection with the business terminal of the staff in the current window. The graphic code can be any one of a one-dimensional code, a two-dimensional code, a bar code and the like. Correspondingly, the mode of reading the target graphic code by the user terminal may be a mode of acquiring an image by using a camera of the user terminal, or may be a mode of inputting information, for example, inputting unique encoding information of the current graphic code, which is not limited in the embodiment of the present invention.
The communication connection may be in any communication mode, such as a communication connection established based on a local area network of a bank, or a communication connection established based on a wireless network, such as a 5G network mode of a mobile communication network. After the communication connection is established, the user terminal and the service terminal may perform data transmission and interaction based on the communication connection.
And S102, acquiring voice communication data and input data of a target object corresponding to the user terminal based on the communication connection.
The data acquisition module of the user terminal can be used for acquiring related data of a target object corresponding to the user terminal, wherein the target object can be a use object of the user terminal. Specifically, the data collection module may include an audio module capable of collecting voice data, an input module capable of collecting input information, and a biometric identification module capable of collecting user biometric information, such as a fingerprint module and a camera module.
Further, the collected voice communication data and input data of the target object may be collected based on an instruction of the service terminal. If the staff outputs an instruction requiring the user to input the identity information through the service terminal, the target object can input the information representing the identity of the target object through an input module of the user terminal, namely the identity information of the target object is acquired by the user terminal at the moment. In order to ensure the experience effect of user service handling, the target object and the staff can interact mainly in a voice form, namely, voice communication data can be collected.
S103, monitoring the voice communication data and the input data based on the service processing type corresponding to the target object, and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on the monitoring result.
Different service types have different processing flows and different related processing information. In the embodiment of the invention, all the generated target objects can be monitored and verified, and voice communication data and input data are monitored mainly through the service type corresponding to the current service to be transacted by the target object. If the risk words and the sensitive words corresponding to different business types are different, the collected voice communication data can be transmitted to a server of the banking system, the server identifies and monitors according to the risk words and the sensitive words corresponding to the current business types, and if the risk words and the sensitive words exist in the current voice communication data, corresponding prompt information is output so as to improve the target object to be output again.
Furthermore, the corresponding voice communication data and the input data can be transmitted to the service terminal according to the monitoring result. If the monitoring result represents that the current voice communication data has no risk, the voice communication data is directly transmitted to the service terminal, and if the risk exists, the target object is prompted to be input again and then transmitted to the service terminal.
In one embodiment, the monitoring the voice communication data and the input data, and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on the monitoring result includes:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data corresponding to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
The input information is verified mainly by verifying the legality and the input format of the input information, if the target object inputs password information, whether the password is the password of the current user can be verified through a service end of the service system, and if the password passes the verification, the result of passing the verification and/or the input information can be transmitted to the service terminal, so that the service terminal indicates the next processing flow.
And S104, receiving a processing instruction of the service terminal, and acquiring feedback information of a target object based on the processing instruction until the service to be processed is completed.
The user terminal may further include an information receiving unit for receiving a processing instruction issued by the service terminal, where the processing instruction may be determined based on the related information input by each processing flow target object. So that the target object can complete the subsequent processing flow of the current business transaction based on the processing instruction. It should be noted that the processing instruction may be generated by the service terminal based on the voice information of the staff, or may be a related instruction directly instructed by the staff.
In one embodiment, the method further comprises: responding to the character information input by the target object, and performing audio data conversion on the character information to obtain voice communication data; and sending the voice communication data to the service terminal.
That is, the user can input the characters through the user terminal, and after the characters are checked and identified, the user terminal can transmit the voice content corresponding to the characters to the service terminal, so that the service terminal performs voice playing.
In one embodiment, the method further comprises:
responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object, and recording operation data of the service object;
and determining the acquired image acquired by acquisition and the operation data of the record as record data.
In the process of business information processing between the target object and the staff through the user terminal, all communication processes of the staff and the target object can be recorded. The related images of the user terminal and/or the service terminal can be collected through the user terminal and/or the service terminal, for example, the images communicated with the user terminal and/or the service terminal are collected through a camera of the terminal. If the collected objects, namely the target object and the staff are not in the collection range, corresponding prompt information can be output through respective terminals to prompt entering of corresponding collection areas, so that information collection can be better carried out. Furthermore, when the recorded information needs to be traced back, a corresponding acquisition instruction can be generated to acquire the information. If so, generating an acquisition instruction corresponding to the recorded data, and sending the acquisition instruction to a service system; and receiving the recorded data sent by the service system.
For example, all communications between the target object and the staff are recorded in the whole process through the cameras of the respective terminals, and if the target object or the face of the staff or the corresponding acquisition part leaves the acquisition range of the camera, the service end of the business system reminds through the corresponding terminal. Further, the target object may select whether to acquire the recorded image, and if so, the server of the service system may send the full-range video to the user terminal in a corresponding message mode, for example, in a form of a 5G message.
The banking information processing method of the present invention is described in a specific application scenario, and the method is applied to a business system, where the business system includes a user terminal, a business terminal, and a server, where, referring to fig. 2, a schematic diagram of each flow layer of the business system provided in an embodiment of the present invention is provided. And referring to fig. 3, fig. 3 is a schematic diagram illustrating a data processing flow of service data according to an embodiment of the present invention. The computer program corresponding to the banking information processing method can be embedded into a mobile banking application program of the user terminal.
After a user uses a mobile banking bank to scan the service two-dimensional code of the window of the banking outlet, the mobile phone terminal is called corresponding equipment and establishes communication connection with the equipment in the window. The user can then communicate with the staff in the window via the cell phone.
When the user communicates with the staff, the voice recognition modules in the mobile phone of the user and the business terminal of the staff supervise the communication content in the whole process and judge whether risk and sensitive words are involved or not or whether the voice is not in compliance. If the two talking parties are found to be prompted, early warning information can be sent to the personnel corresponding to the middle layer in real time.
When the staff needs the user to input the password or other information, the user can also input the password or other information through the mobile phone, then the input data is firstly transmitted to the transfer layer for judgment, and if the input data is in compliance, the input data is transmitted to the bank system, so that the data interaction is realized.
The user can also input characters, after the input characters are verified, the mobile phone of the user transmits the voice content corresponding to the characters to the equipment of the window, and the equipment plays the voice.
All exchanges between the two can carry out whole journey record through the camera, if user or sales counter personnel's face leaves the scope of making a video recording, the system can remind through the terminal. After that, the user can choose whether to obtain the operation video, if so, the bank system will send the whole course video back to the user's mobile phone in the form of 5g message.
It should be noted that the banking information processing method provided by the invention can be used in the field of big data or the financial field. The above is only an example, and does not limit the application field of the banking information processing method provided by the present invention.
The embodiment of the invention provides a banking business information processing method, which is characterized in that when the method is applied to a user terminal, a target graphic code is read in response to the user terminal, and communication connection of a business terminal corresponding to a current business to be processed is established; acquiring voice communication data and input data of a target object corresponding to a user terminal based on communication connection; monitoring voice communication data and input data based on the service processing type corresponding to the target object, and transmitting the corresponding voice communication data and input data to a service terminal based on a monitoring result; and receiving a processing instruction fed back by the service terminal, and acquiring feedback information of the target object based on the processing instruction until the service to be processed is completed. The invention can establish communication connection between the user terminal and the service terminal through the graphic code, and realize the safe interaction between the user and the staff, thereby improving the safety, the accuracy and the efficiency of service information processing.
Referring to fig. 4, in an embodiment of the present invention, there is further provided a banking information processing apparatus, applied to a user terminal, where the apparatus includes:
an establishing unit 401, configured to respond to the user terminal reading the target graphics code, and establish a communication connection with a service terminal corresponding to a current service to be processed;
an acquisition unit 402, configured to acquire voice communication data and input data of a target object corresponding to the user terminal based on the communication connection;
a transmission unit 403, configured to monitor the voice communication data and the input data based on a service processing type corresponding to the target object, and transmit the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result;
an obtaining unit 404, configured to receive a processing instruction of the service terminal, and obtain feedback information of a target object based on the processing instruction until the service to be processed is completed.
Optionally, the transmission unit is specifically configured to:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data corresponding to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
Optionally, the apparatus further comprises:
the conversion unit is used for responding to character information input by the target object and performing audio data conversion on the character information to obtain voice communication data;
and the sending unit is used for sending the voice communication data to the service terminal.
Optionally, the apparatus further comprises:
the recording unit is used for responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object and recording the operation data of the service object;
the determining unit is used for determining the acquired image acquired by acquisition and the recorded operation data as recorded data;
the receiving unit is used for generating an acquisition instruction corresponding to the recorded data and sending the acquisition instruction to a service system; and receiving the recorded data sent by the service system.
Correspondingly, in an embodiment of the present invention, a service system is further provided, where the service system includes:
the user terminal is used for executing any banking information processing method applied to the user terminal;
the service terminal is used for generating instruction information based on the voice communication data and the input information generated by the user terminal and sending the instruction information to the user terminal;
and the server is used for verifying the transmitted information and sending a verification result to the user terminal and/or the service terminal.
The embodiment of the invention provides a banking business information processing device and a business system, which respond to the reading of a target graphic code by a user terminal and establish communication connection with a business terminal corresponding to the current business to be processed; acquiring voice communication data and input data of a target object corresponding to a user terminal based on communication connection; monitoring voice communication data and input data based on a service processing type corresponding to the target object, and transmitting the corresponding voice communication data and input data to a service terminal based on a monitoring result; and receiving a processing instruction fed back by the service terminal, and acquiring feedback information of the target object based on the processing instruction until the service to be processed is completed. The invention can establish communication connection between the user terminal and the service terminal through the graphic code, and realize the safe interaction between the user and the staff, thereby improving the safety, the accuracy and the efficiency of service information processing.
Based on the foregoing embodiments, embodiments of the present application provide a computer-readable storage medium storing one or more programs, which are executable by one or more processors to implement the steps of the banking information processing method according to any one of the above.
An embodiment of the present invention further provides an electronic device, including:
a memory for storing a program;
a processor configured to execute the program, where the program is specifically configured to implement the banking information processing method according to any one of the above items.
The Processor or the CPU may be at least one of an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a Central Processing Unit (CPU), a controller, a microcontroller, and a microprocessor. It is understood that the electronic device implementing the above-mentioned processor function may be other electronic devices, and the embodiments of the present application are not particularly limited.
The computer storage medium/Memory may be a Memory such as a Read Only Memory (ROM), a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a magnetic Random Access Memory (FRAM), a Flash Memory (Flash Memory), a magnetic surface Memory, an optical Disc, or a Compact Disc Read-Only Memory (CD-ROM); and may be various terminals such as mobile phones, computers, tablet devices, personal digital assistants, etc., including one or any combination of the above-mentioned memories.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described device embodiments are merely illustrative, for example, the division of the unit is only a logical functional division, and there may be other division ways in actual implementation, such as: multiple units or components may be combined, or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the coupling, direct coupling or communication connection between the components shown or discussed may be through some interfaces, and the indirect coupling or communication connection between the devices or units may be electrical, mechanical or other forms.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed on a plurality of network units; some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, all functional units in the embodiments of the present application may be integrated into one processing module, or each unit may be separately regarded as one unit, or two or more units may be integrated into one unit; the integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit. Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as a removable Memory device, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The methods disclosed in the several method embodiments provided in the present application may be combined arbitrarily without conflict to obtain new method embodiments.
Features disclosed in several of the product embodiments provided in the present application may be combined in any combination to yield new product embodiments without conflict.
The features disclosed in the several method or apparatus embodiments provided in the present application may be combined arbitrarily, without conflict, to arrive at new method embodiments or apparatus embodiments.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily think of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed in the embodiment corresponds to the method disclosed in the embodiment, so that the description is simple, and the relevant points can be referred to the description of the method part.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A banking information processing method is applied to a user terminal, and comprises the following steps:
responding to the reading of the target graphic code by the user terminal, and establishing communication connection of a service terminal corresponding to the current service to be processed;
acquiring voice communication data and input data of a target object corresponding to the user terminal based on the communication connection;
monitoring the voice communication data and the input data based on the service processing type corresponding to the target object, and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result;
and receiving a processing instruction of the service terminal, and acquiring feedback information of a target object based on the processing instruction until the service to be processed is completed.
2. The method of claim 1, wherein the monitoring the voice communication data and the input data and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on the monitoring result comprises:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data corresponding to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
3. The method of claim 1, further comprising:
responding to the character information input by the target object, and performing audio data conversion on the character information to obtain voice communication data;
and sending the voice communication data to the service terminal.
4. The method of claim 1, further comprising:
responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object, and recording operation data of the service object;
and determining the acquired image acquired by acquisition and the operation data of the record as record data.
5. The method of claim 4, further comprising:
generating an acquisition instruction corresponding to the recorded data, and sending the acquisition instruction to a service system;
and receiving the recorded data sent by the service system.
6. A banking information processing apparatus applied to a user terminal, the apparatus comprising:
the establishing unit is used for responding to the reading of the target graphic code by the user terminal and establishing the communication connection of the service terminal corresponding to the current service to be processed;
the acquisition unit is used for acquiring voice communication data and input data of a target object corresponding to the user terminal based on the communication connection;
the transmission unit is used for monitoring the voice communication data and the input data based on the service processing type corresponding to the target object and transmitting the corresponding voice communication data and the corresponding input data to a service terminal based on a monitoring result;
and the acquisition unit is used for receiving the processing instruction of the service terminal and acquiring the feedback information of the target object based on the processing instruction until the service to be processed is completed.
7. The apparatus according to claim 6, wherein the transmission unit is specifically configured to:
detecting whether the voice communication data contains sensitive words, if the sensitive words exist, generating early warning information, and sending the early warning information to the service terminal;
responding to the fact that a service terminal receives the early warning information, receiving a re-input instruction which is generated by the service terminal and corresponds to the early warning information, and sending obtained voice communication data which correspond to the re-input instruction to the service terminal;
and verifying the input information, and sending the input information passing the verification to the service terminal.
8. The apparatus of claim 6, further comprising:
the conversion unit is used for responding to character information input by the target object and performing audio data conversion on the character information to obtain voice communication data;
and the sending unit is used for sending the voice communication data to the service terminal.
9. The apparatus of claim 6, further comprising:
the recording unit is used for responding to the communication connection established between the user terminal and the service terminal to carry out communication data interaction, acquiring a service processing image of the target object and recording the operation data of the service object;
the determining unit is used for determining the acquired image acquired by acquisition and the recorded operation data as recorded data;
the receiving unit is used for generating an acquisition instruction corresponding to the recorded data and sending the acquisition instruction to a service system; and receiving the recorded data sent by the service system.
10. A business system, comprising:
a user terminal for executing the banking information processing method according to any one of claims 1 to 5;
the service terminal is used for generating instruction information based on the voice communication data and the input information generated by the user terminal and sending the instruction information to the user terminal;
and the server is used for verifying the transmitted information and sending a verification result to the user terminal and/or the service terminal.
CN202210846569.4A 2022-07-19 2022-07-19 Bank business information processing method, device and business system Active CN115208942B (en)

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Citations (6)

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Publication number Priority date Publication date Assignee Title
CN106101138A (en) * 2016-07-29 2016-11-09 深圳市银雁金融服务有限公司 Method for processing business based on mobile terminal and device
CN107918913A (en) * 2017-11-20 2018-04-17 中国银行股份有限公司 Banking processing method, device and system
CN110866820A (en) * 2019-10-22 2020-03-06 陈华 Real-time monitoring system, method, equipment and storage medium for banking business
CN111507256A (en) * 2020-04-16 2020-08-07 四川博源科技有限责任公司 Face recognition system for counter information acquisition
CN111949964A (en) * 2020-08-11 2020-11-17 北京文思海辉金信软件有限公司 Business handling method and device and electronic terminal
CN114610840A (en) * 2022-03-23 2022-06-10 平安普惠企业管理有限公司 Sensitive word-based accounting monitoring method, device, equipment and storage medium

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106101138A (en) * 2016-07-29 2016-11-09 深圳市银雁金融服务有限公司 Method for processing business based on mobile terminal and device
CN107918913A (en) * 2017-11-20 2018-04-17 中国银行股份有限公司 Banking processing method, device and system
CN110866820A (en) * 2019-10-22 2020-03-06 陈华 Real-time monitoring system, method, equipment and storage medium for banking business
CN111507256A (en) * 2020-04-16 2020-08-07 四川博源科技有限责任公司 Face recognition system for counter information acquisition
CN111949964A (en) * 2020-08-11 2020-11-17 北京文思海辉金信软件有限公司 Business handling method and device and electronic terminal
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