CN115983973A

CN115983973A - Service processing method and device, computer equipment and computer readable storage medium

Info

Publication number: CN115983973A
Application number: CN202211319249.XA
Authority: CN
Inventors: 张明乐
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-10-26
Filing date: 2022-10-26
Publication date: 2023-04-18

Abstract

The invention relates to the technical field of financial science and technology, and particularly discloses a service processing method, a device, computer equipment and a computer readable storage medium, wherein the method comprises the following steps: when the bank card service is in a reserved transaction flow, acquiring address information of a user and channel information for transacting the bank card service, wherein the channel information comprises a region set; matching the address information with the region set to obtain a matching result; and if the matching result is successful, skipping the reserved transaction flow to the autonomous file entry flow so that the user can transact the bank card business through the autonomous file entry flow. According to the embodiment of the invention, the address information of the user is matched with the region set corresponding to the channel, and different business processes are executed according to different matching results, so that business processing can be flexibly performed according to the geographic position of the user, the overstock of the business of the travel limited region is relieved to a certain extent, and the user experience is improved.

Description

Business processing method and device, computer equipment and computer readable storage medium

Technical Field

The present invention relates to the field of financial technology, and in particular, to a method and an apparatus for processing a service, a computer device, and a computer-readable storage medium.

Background

With the continuous expansion of banking business at present, the business handling requirements are more and more, such as loan transaction in banks or credit card transaction, and the like, and especially, the demand of bank cards rises linearly. However, the bank card transaction has high requirements on the accuracy and the safety of identity identification authentication, usually only online reservation can be adopted, and after the reservation is successful, the bank card transaction can be performed manually, generally on-site transaction or clerk going to the door for transaction.

Disclosure of Invention

In view of the problems in the prior art, the present invention provides a method, an apparatus, a computer device and a computer-readable storage medium for processing services in financial technology or other related fields.

In order to achieve the above object, the embodiments of the present invention adopt the following technical solutions:

in a first aspect, an embodiment of the present invention provides a service processing method, where the method includes:

when the bank card service is in a reserved transaction flow, acquiring address information of a user and channel information for transacting the bank card service, wherein the channel information comprises a region set;

matching the address information with the region set to obtain a matching result;

and if the matching result is successful, skipping the reserved transaction process to an autonomous file entry process so that the user can transact the bank card business through the autonomous file entry process.

In one embodiment, before acquiring the address information of the user and the channel information for handling the bank card service when the bank card service is in the reserved handling process, the method further includes:

and configuring a corresponding channel code and a corresponding region set for each application channel according to a preset configuration file, and generating channel information of the application channel.

In an embodiment, configuring, according to a preset configuration file, a corresponding channel code and a region set for each application channel, and after generating channel information of the application channel, the method further includes:

marking the priorities of a plurality of channel codes based on a preset priority strategy;

and determining an application channel for handling the bank card business according to the priority.

In an embodiment, the matching the address information and the set of regions to obtain a matching result includes:

obtaining a corresponding user area code through the address information;

determining a region code of each region in the region set;

and matching the user area code with the area codes of all areas to obtain the matching result.

In an embodiment, before obtaining the corresponding user area code through the address information, the method further includes:

and acquiring a region code corresponding to each region based on the administrative region code.

In one embodiment, the service processing method further includes:

and if the matching result is failure, sending the bank card service in the reserved handling process to a salesman so that the salesman handles the bank card service for the user.

In one embodiment, the skipping the reservation handling process to an autonomous incoming process to enable the user to handle the bank card service through the autonomous incoming process includes:

acquiring an authentication instruction for handling the bank card business through the autonomous entry flow;

acquiring an identity card image and a face image of the user according to the authentication instruction;

comparing the identity card image with the face image, and authenticating the identity of the user;

and after the user passes the identity authentication, transacting the bank card business through the autonomous entry process.

In a second aspect, an embodiment of the present invention provides a service processing apparatus, where the apparatus includes:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring address information of a user and channel information for processing the bank card business when the bank card business is in a reserved processing flow, and the channel information comprises a region set;

the matching module is used for matching the address information with the region set to obtain a matching result;

and the execution module is used for skipping the reserved transaction process to an autonomous file entry process if the matching result is successful so that the user can transact the bank card business through the autonomous file entry process.

In a third aspect, an embodiment of the present invention provides a computer device, where the computer device includes a memory and a processor, where the memory is used to store a computer program, and the processor executes the computer program to make the computer device execute the service processing method.

In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program executes the service processing method.

The embodiment of the invention discloses a service processing method, a device, computer equipment and a computer readable storage medium, wherein the method comprises the following steps: when the bank card business is in a reserved handling process, acquiring address information of a user and channel information for handling the bank card business, wherein the channel information comprises a region set; matching the address information with the region set to obtain a matching result; and if the matching result is successful, skipping the reserved transaction flow to the autonomous file entry flow so that the user can transact the bank card business through the autonomous file entry flow. Compared with the prior art, the embodiment of the invention matches the address information of the user with the region set corresponding to the channel, and executes different business processes according to different matching results, thereby flexibly processing the business according to the geographical position of the user, relieving the overstock of the business of the travel limited region to a certain extent, and improving the experience of the user.

Drawings

In order to more clearly illustrate the technical solution of the present invention, the drawings required to be used in the embodiments will be briefly described below, and it should be understood that the following drawings only illustrate some embodiments of the present invention, and therefore should not be considered as limiting the scope of the present invention. Like components are numbered similarly in the various figures.

Fig. 1 is a schematic flow chart illustrating a service processing method according to an embodiment of the present invention;

FIG. 2 is a flow chart illustrating matching address information and a set of regions according to an embodiment of the present invention;

FIG. 3 is a schematic flow chart illustrating the process of handling the bank card business through the autonomous incoming flow according to the embodiment of the invention;

fig. 4 shows a block diagram of a service 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.

The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.

Hereinafter, the terms "including", "having", and their derivatives, which may be used in various embodiments of the present invention, are only intended to indicate specific features, numbers, steps, operations, elements, components, or combinations of the foregoing, and should not be construed as first excluding the existence of, or adding to, one or more other features, numbers, steps, operations, elements, components, or combinations of the foregoing.

Furthermore, the terms "first," "second," "third," and the like are used solely to distinguish one from another and are not to be construed as indicating or implying relative importance.

Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which various embodiments of the present invention belong. The terms (such as those defined in commonly used dictionaries) should be interpreted as having a meaning that is consistent with their contextual meaning in the relevant art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein in various embodiments of the present invention.

Example 1

Referring to fig. 1, fig. 1 is a schematic flow chart of a service processing method according to an embodiment of the present invention, where the method specifically includes the following steps:

step S110: when the bank card business is in a reserved transaction process, address information of a user and channel information for transacting the bank card business are obtained, wherein the channel information comprises a region set.

It should be understood that, at present, most of the services in the bank may be reserved in advance, so that the user may transact the services according to a specified time period after the reservation, which is convenient for saving the time for the user to wait in line, and also improves the processing efficiency of the bank.

Specifically, when a user performs reservation transaction on a bank card service, that is, when the bank card service is in a reservation transaction process, acquiring personal information, address information, channel information for transacting the bank card service, and the like of the user, wherein the personal information includes, but is not limited to, name, gender, age, and the like; the address information comprises a living address and a native address; the channel information refers to information of related channels subscribed by a user, for example, the channels may be divided into direct marketing channels, branch channels, comprehensive channels, and the like, regional collections of different channels may be the same or different, and specific conditions are determined according to actual conditions, which is not limited herein.

Further, the region set is related to the travel limit condition of the place where the service is provided by the channel, exemplarily, the region set includes all high-risk regions of the service provided by the channel, and further, the embodiment can effectively adjust the bank card business handling during the travel limit period, thereby improving the experience of the user.

Step S120: and matching the address information with the region set to obtain a matching result.

It is understood that usually a user can only correspond to a specific address information, and the address information usually includes a residential address and a living address. Specifically, the region set may be a set composed of a plurality of regions, or the region set may be an empty set without regions, and the specific region set is determined according to the actual situation and is not limited herein. Exemplarily, there are three high-risk areas in the Changsha city, namely a rainflower area, a hibiscus area and a Yuenu area, so that the area set in the Changsha city is a set of the rainflower area, the hibiscus area and the Yuenu area; and the city of Hengyang has no high risk area, so the area set of the city of Hengyang is an empty set.

Specifically, in this embodiment, the existing residential address and the elements in the region set are matched one by one to obtain a matching result, where if any one region in the region set can be matched with the existing residential address, the matching result is a successful matching. Therefore, whether the position of the user is in the region set can be efficiently and quickly known through matching the address information of the user and the region set, so that the next process of business processing can be conveniently selected, and the method is more humanized and flexible.

Step S130: and if the matching result is successful, skipping the reserved transaction process to an autonomous file entry process so that the user can transact the bank card business through the autonomous file entry process.

Specifically, if the matching result is successful, it indicates that any region in the region set can be matched with the existing residential address, that is, only when the user is in a high-risk region, the reservation handling process jumps to an autonomous entry process, so that the user handles the bank card service through the autonomous entry process. The autonomous item feeding process is used for a user to transact the bank card service online, and particularly, in this embodiment, the autonomous item feeding process is only opened for a user at high risk, that is, only for a user who is successfully matched, so that the security of the autonomous item feeding process is guaranteed to a certain extent.

Because the information security, the network security, the auditing and other problems of the bank card business handling are solved by adopting a face sign handling mode, and in a limited trip period, especially for users in a limited trip area, the embodiment enables the users in a high-risk area to handle the bank card business through the independent item feeding process by switching between the reserved item feeding process and the independent item feeding process, so that the user experience is improved.

In an embodiment, before S110, the method specifically further includes:

Specifically, the channel information includes, but is not limited to, a channel code, a regional set, a channel name, a channel rank, etc., where the channel configuration is represented by scc, such as: the configuration file is application, creatitcard, wxjbwhitedidcodelist 28, and the channel code scc starts with 28; the profile is application, creatitcard, wxjbwhiteditodecist 98111, then the channel code scc ends with a 98 start 111. Furthermore, different channel codes are respectively configured for different channels through a preset configuration file, and the channel codes of the direct marketing channel, the branch channel and the comprehensive development channel are different. The region sets corresponding to different channels may be the same or different, and the specific region set depends on the travel limit condition of the region served by the channel, and is configured according to the actual condition, which is not limited herein.

And according to travel limit conditions of different regions, a channel principal modifies and updates a region set in channel information in real time, wherein the region set records all high-risk regions in the channel service range, the region set is equivalent to a white list, and the authority of the bank card business can be transacted through the autonomous entry process only by users in the regions within the white list.

By configuring channel codes and region sets for channels, dynamic switching of business processing flows of different channels and different regions can be met, execution codes do not need to be modified, the business processing flows can take effect in time only by modifying or updating preset configuration files, and development labor and time are saved.

Specifically, there are many channels of the bank, such as direct marketing channel, branch channel and comprehensive channel, and the types and numbers of channels owned by different regions may be different, which is exemplary, good in economic benefit and fast in development, and there are many corresponding banks and many channels for business handling; on the contrary, in the regions with low economic lag and slow development, the number of corresponding banks is small, and the channels for business handling are also small. Because the quantity of channels is huge, priority setting is carried out on a plurality of channels through a preset priority strategy, and because the channel codes of different channels are different, the setting of the channel priority can be realized by marking the priority of the channel codes.

Exemplarily, the priorities of the different channels are set by configuration parameters, according to a configuration file, the configuration information of the direct marketing channel is app, credit card, wxjbwhitediodelist 28, the configuration information of the branch channel is app, credit card, wxjbwhitediodelist 20, and the configuration information of the comprehensive channel is app, credit card, wxjbwediodelist 11, the direct marketing channel, the branch channel, and the comprehensive channel are configured separately, wherein the encoding scc of the direct marketing channel is at the beginning of 28, the encoding scc of the branch channel is at the beginning of 20, the encoding scc of the comprehensive channel is at the beginning of 11, wherein 28, 20, and 11 correspond to specific parameters of each channel encoding, further, in order to reduce the workload required to configure each channel, the encoding scc of the direct marketing channel is at the beginning of 28, the encoding of the branch channel is configured additionally, and thus, if no additional configuration parameters of the branch channel and the comprehensive channel are configured, for example, the aforementioned deployment parameters are matched by the wurtcard.

Therefore, regardless of the channels, the channels with parameter configuration are preferably matched, so that the user can quickly determine the application channel for processing the bank card business. Through the setting of the priority, the workload of configuring parameters for channel codes of each channel is reduced.

Referring to fig. 2, in an embodiment, the step S120 specifically includes:

step S121: obtaining a corresponding user area code through the address information;

step S122: determining a region code of each region in the region set;

step S123: and matching the user area code with the area codes of all areas to obtain the matching result.

It is understood that the region code refers to an identification symbol of a region. Specifically, after address information of a user is acquired, the address information is converted, and the address information is converted into a corresponding area code, where the user area code is a corresponding area code of the address information of the user. For example, the address information of user Li Mou is: if the user has Li Mou address information, the user area code is 110105. Further, a set of regions in the channel information is determined, for example, high risk regions in beijing city include a sunny region, a hai lake region, and an east city region, and then the set of regions are the sunny region, the hai lake region, and the east city region, where the region code of the sunny region is 110105, the region code of the hai lake region is 110108, and the region code of the east city region is 110101, and thus, the region code corresponding to each region in the set of regions is {110105, 110108, 110101}. And matching the user area code with the area code to obtain a matching result, and indicating that the matching is successful as long as the user area code is any one of the area codes corresponding to all regions, namely indicating that the user is in a high-risk region, so that the user is authorized to handle the bank card service through the autonomous entry process.

In an embodiment, before the step S121, the method further includes:

and acquiring the region code corresponding to each region based on the administrative region code.

Specifically, the administrative division code is a substitute number for the country to compile each level of administrative division by performing hierarchical layering on the administrative district capable of being governed by the country and performing administration information means, in this embodiment, a six-bit administrative division code is adopted, where the first and second bits of the administrative division code represent provinces, and the third and fourth bits represent land levels; the fifth and sixth digits represent county level; the administrative division code may also be more specifically a street, for example, the seventh to ninth digits of the administrative division code represent a country, town (street office).

Therefore, by inquiring the administrative division codes, the area codes corresponding to each area can be accurately acquired, so that the acquisition of the area codes is facilitated, and the unified management of the area codes is more facilitated.

In one embodiment, the service processing method further includes:

Specifically, if the matching result is a failure, it indicates that the current residential address of the user and the region set are not matched, that is, the user is not located in a high-risk region, so that the user can handle banking services in a surface sign handling manner after passing through the reserved handling process. Further, when the user is not in a high-risk area, that is, the matching result is a failure, the bank card service in the reserved transaction flow can be sent to a salesman, so that the salesman can transact the user at home according to the user information; the user can also go to the bank by himself to transact the bank card business, and the specific transaction form can be determined according to the actual situation and is not limited here.

After the user makes an appointment for the bank card service through the appointment handling process, the user can get contact with an appointment person within 2-3 working days after the appointment, and the time for handling the card at home is improved, so that the clerk can handle the card at home, the time for the user to go to a bank to sign is saved, and convenience is provided for the user.

Referring to fig. 3, in an embodiment, the step S130 specifically includes:

step S131: acquiring an authentication instruction for handling the bank card business through the autonomous entry flow;

step S132: acquiring an identity card image and a face image of the user according to the authentication instruction;

step S133: comparing the identity card image with the face image, and authenticating the identity of the user;

step S134: and after the user passes the identity authentication, transacting the bank card business through the autonomous file entry process.

Specifically, when entering the autonomous entry process to transact the bank card service, the identity of the user and the personal information filled by the user in the reservation process must be authenticated, so as to prevent the situation that the applicant of the autonomous entry process and the reseller of the reservation transaction process are inconsistent, and further ensure the safety of service processing. Further, when matching is successful, the user can obtain an authentication instruction for handling the bank card business when jumping to the self-advancing flow, the user follows the authentication instruction to operate and upload the face image, the personal information uploaded by the user is obtained in the reservation handling flow, the identity card image and the face image are compared, the comparison is successful, namely passing the identity verification, and the user can handle the bank card business through the self-advancing flow.

The bank card business comprises bank card transaction, credit card transaction, debit card transaction and the like, the transaction processes of different types of bank cards using the autonomous file entry process are different, and the resources required to be provided are different, for example, in the credit card transaction process, a work certificate or a financial certificate is generally required to be provided, so that the user is proved to have the capacity of paying back arrears.

The embodiment of the invention discloses a service processing method, which comprises the following steps: when the bank card service is in a reserved transaction flow, acquiring address information of a user and channel information for transacting the bank card service, wherein the channel information comprises a region set; matching the address information with the region set to obtain a matching result; and if the matching result is successful, skipping the reserved transaction flow to the autonomous file entry flow so that the user can transact the bank card business through the autonomous file entry flow. According to the embodiment of the invention, the address information of the user is matched with the region set corresponding to the channel, and different business processes are executed according to different matching results, so that business processing can be flexibly performed according to the geographic position of the user, the backlog of travel limited region business is relieved to a certain extent, and the user experience is improved.

Example 2

Corresponding to the above method embodiments, please refer to fig. 4, and fig. 4 is a block diagram of a service processing apparatus according to an embodiment of the present invention. The service processing apparatus 100 includes: an acquisition module 110, a matching module 120 and an execution module 130.

The obtaining module 110 is configured to obtain address information of a user and channel information for handling the bank card service when the bank card service is in a reserved handling process, where the channel information includes a region set.

And the matching module 120 is configured to match the address information with the region set to obtain a matching result.

And the execution module 130 is configured to jump the reserved transaction flow to an autonomous file entry flow if the matching result is successful, so that the user transacts the bank card service through the autonomous file entry flow.

Optionally, the obtaining module 110 is further configured to configure a corresponding channel code and a corresponding region set for each application channel according to a preset configuration file, so as to generate channel information of the application channel.

Optionally, the obtaining module 110 further includes:

the marking sub-module is used for marking the priority of the channel codes based on a preset priority strategy;

and the determining submodule is used for determining an application channel for handling the bank card business according to the priority.

Optionally, the matching module 120 includes:

the first obtaining submodule is used for obtaining a corresponding user area code through the address information;

the second obtaining submodule is used for determining the region code of each region in the region set;

and the matching submodule is used for matching the user area code with the area codes of all areas to obtain the matching result.

Optionally, the first obtaining sub-module is further configured to obtain a region code corresponding to each region based on the administrative division code.

Optionally, the service processing apparatus 100 further includes:

and the sending module is used for sending the bank card service in the reserved transaction flow to a salesman if the matching result is failure so that the salesman transacts the bank card service for the user.

Optionally, the executing module 130 includes:

the acquisition submodule is used for acquiring an authentication instruction for handling the bank card business through the autonomous entry process;

the authentication sub-module is used for acquiring an identity card image and a face image of the user according to the authentication instruction;

the comparison submodule is used for comparing the identity card image with the face image and authenticating the identity of the user;

and the passing sub-module is used for handling the bank card business through the autonomous file entering process after the user passes the identity authentication.

The service processing apparatus provided in the embodiment of the present application corresponds to each step of the service processing method in embodiment 1, and the options in embodiment 1 are also applicable to this embodiment, so details are not described here again.

An embodiment of the present invention further provides a computer device, where the computer device includes a memory and a processor, the memory stores a computer program, and when the processor executes the computer program, the service processing method according to embodiment 1 is implemented.

In one embodiment, the computer device is a device capable of automatically performing numerical calculations and/or information processing according to instructions set or stored in advance. Computer devices include at least, but are not limited to: the memory, processor, and network interface may be communicatively linked to each other by a system bus. Wherein: the memory includes at least one type of computer-readable storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. It should be understood that not all of the illustrated components are required to be implemented, and that more or fewer components may be alternatively implemented.

In this embodiment, the data processing method stored in the memory may be divided into one or more program modules and executed by one or more processors to accomplish the present invention.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the service processing method according to embodiment 1 is implemented.

In one embodiment, the computer readable storage medium may be an internal storage unit of the computer device, such as a hard disk or a memory of the computer device.

In other embodiments, the computer readable storage medium may also be an external storage device to the computer device. Of course, the computer-readable storage medium may also include both internal and external storage devices of the computer device. It should be understood that a computer-readable storage medium is typically used for storing an operating system and various types of application software installed on a computer device. Further, the computer-readable storage medium may also be used to temporarily store various types of data that have been output or are to be output. In all examples shown and described herein, any particular value should be construed as exemplary only and not as a limitation, and thus other examples of example embodiments may have different values.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative and, for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

In addition, each functional module or unit in each embodiment of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention or a part of the technical solution that contributes to the prior art in essence can be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention.

Claims

1. A method for processing a service, the method comprising:

and if the matching result is successful, skipping the reserved transaction process to an autonomous file-in process so that the user can transact the bank card business through the autonomous file-in process.

2. The service processing method according to claim 1, wherein before acquiring the address information of the user and the channel information for transacting the banking card service when the banking card service is in the reserved transaction process, the method further comprises:

3. The service processing method of claim 2, wherein the configuring, according to a preset configuration file, a corresponding channel code and a region set for each application channel, and after generating the channel information of the application channel, further comprises:

and determining an application channel for transacting the bank card service according to the priority.

4. The service processing method according to claim 1, wherein said matching the address information with the regional set to obtain a matching result comprises:

obtaining a corresponding user area code according to the address information;

determining a region code of each region in the region set;

5. The service processing method according to claim 4, wherein before obtaining the corresponding subscriber area code through the address information, further comprising:

6. The traffic processing method according to claim 1, wherein the method further comprises:

7. The transaction processing method according to claim 1, wherein the jumping the reservation transaction flow to an autonomous mail-in flow to cause the user to transact the bankcard transaction through the autonomous mail-in flow comprises:

8. A traffic processing apparatus, characterized in that the apparatus comprises:

9. A computer device comprising a memory and a processor, the memory for storing a computer program which, when run on the processor, performs the business process method of any one of claims 1 to 7.

10. A computer-readable storage medium, comprising: stored with a computer program which, when run on a processor, performs the business process method of any one of claims 1 to 7.