CN116302260A

CN116302260A - Method and system for guiding user to conduct stock account opening online by digital virtual person

Info

Publication number: CN116302260A
Application number: CN202310199737.XA
Authority: CN
Inventors: 陈浩; 钟杨霄; 向华盛; 钟家豪; 倪俊; 廖造光
Original assignee: Zhejiang Tonghuashun Intelligent Technology Co Ltd
Current assignee: Zhejiang Tonghuashun Intelligent Technology Co Ltd
Priority date: 2023-02-27
Filing date: 2023-02-27
Publication date: 2023-06-23
Anticipated expiration: 2043-02-27
Also published as: CN116302260B

Abstract

The embodiment of the specification provides a method and a system for guiding a user to conduct stock account opening on line by a digital virtual person, wherein the method comprises the steps of acquiring identity information of the user on line, and carrying out identity recognition based on the identity information of the user to obtain an identity recognition result; and determining a guiding strategy of stock account opening based on the identity recognition result, and guiding the user to perform stock account opening online by a digital virtual person based on the guiding strategy.

Description

Method and system for guiding user to conduct stock account opening online by digital virtual person

Technical Field

The specification relates to the technical field of artificial intelligence, in particular to a method and a system for guiding a user to conduct stock account opening online by a digital virtual person.

Background

At present, the stock account opening scene is very complicated, the existing technology and product scheme on the market are very tedious and boring, a great amount of information needs to be provided for users, the operation difficulty is high, the completion time period is long, humanized guidance is lacked, the flow is easily interrupted, and therefore the user loss is easy to cause.

Therefore, it is necessary to provide a method and a system for guiding a user to open a stock account online by a digital virtual person, which are used for reducing the stock account opening difficulty of the user and improving the stock account opening efficiency and conversion rate.

Disclosure of Invention

One of the embodiments of the present disclosure provides a method for a digital virtual person to guide a user to conduct a stock account opening online. The method for guiding the user to conduct stock account opening online by the digital virtual person comprises the following steps: acquiring identity information of a user on line, and carrying out identity recognition based on the identity information of the user to obtain an identity recognition result; determining a guiding strategy of stock account opening based on the identity recognition result, and guiding a user to perform stock account opening online by the digital virtual person based on the guiding strategy; the stock account opening process comprises one or more of the following conditions: responding to the user to exit and re-entering the stock account opening process under a first preset condition, wherein the user continues to carry out the stock account opening from the next step of the stock account opening step completed before exiting, and the stock account opening step completed before exiting is recorded in a storage device; after the user uploads the information through the picture, extracting text information and/or digital information in the picture through an image recognition algorithm and filling columns corresponding to the text information and/or the digital information; and in response to the user needing to interact with the digital virtual person in the stock account opening process, the processing equipment acquires input information of the user, determines a target answer corresponding to the input information based on the input information, and interactively feeds back the target answer to the user by the digital virtual person.

One embodiment of the present disclosure provides a system for guiding a user to perform a stock account opening online by a digital virtual person, including: the identification module is used for acquiring the identity information of the user on line, and carrying out identity identification based on the identity information of the user to obtain an identity identification result; the guiding module is used for determining a guiding strategy of stock account opening based on the identity recognition result, and guiding a user to perform stock account opening online by the digital virtual person based on the guiding strategy; the stock account opening process comprises one or more of the following conditions: responding to the user to exit and re-entering the stock account opening process under a first preset condition, wherein the user continues to carry out the stock account opening from the next step of the stock account opening step completed before exiting, and the stock account opening step completed before exiting is recorded in a storage device; after the user uploads the information through the picture, extracting text information and/or digital information in the picture through an image recognition algorithm and filling columns corresponding to the text information and/or the digital information; and in response to the user needing to interact with the digital virtual person in the stock account opening process, the processing equipment acquires input information of the user, determines a target answer corresponding to the input information based on the input information, and interactively feeds back the target answer to the user by the digital virtual person.

One embodiment of the specification provides a device for guiding a user to conduct stock account opening online by a digital virtual person, which comprises processing equipment, wherein the processing equipment is used for executing a method for guiding the user to conduct stock account opening online by the digital virtual person.

One of the embodiments of the present disclosure provides a computer-readable storage medium storing computer instructions that, when read by a computer in the storage medium, perform a method for a digital dummy to guide a user to perform a stock account opening online.

Drawings

The present specification will be further elucidated by way of example embodiments, which will be described in detail by means of the accompanying drawings. The embodiments are not limiting, in which like numerals represent like structures, wherein:

FIG. 1 is a schematic diagram of an application scenario in which a digital virtual person directs a user to conduct a stock opening system online, according to some embodiments of the present description;

FIG. 2 is a block diagram of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description;

FIG. 3 is an exemplary flow chart of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description;

FIG. 4 is an exemplary flow chart of one scenario of a stock account opening process shown in some embodiments of the present description;

FIG. 5 is a schematic diagram of a process for determining a target answer corresponding to input information based on a question identification model, according to some embodiments of the present disclosure;

FIG. 6 is an exemplary flow chart of a digital virtual person guiding a user to conduct a stock opening system online according to further embodiments of the present description;

FIG. 7A is an interactive schematic diagram of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description;

FIG. 7B is an interactive schematic diagram of a digital virtual person guiding a user to conduct a stock account opening system online according to further embodiments of the present description;

FIG. 7C is an interactive schematic diagram of a digital virtual person guiding a user to conduct a stock opening system online according to further embodiments of the present description.

Detailed Description

In order to more clearly illustrate the technical solutions of the embodiments of the present specification, the drawings that are required to be used in the description of the embodiments will be briefly described below. It is apparent that the drawings in the following description are only some examples or embodiments of the present specification, and it is possible for those of ordinary skill in the art to apply the present specification to other similar situations according to the drawings without inventive effort. Unless otherwise apparent from the context of the language or otherwise specified, like reference numerals in the figures refer to like structures or operations.

It will be appreciated that "system," "apparatus," "unit" and/or "module" as used herein is one method for distinguishing between different components, elements, parts, portions or assemblies at different levels. However, if other words can achieve the same purpose, the words can be replaced by other expressions.

As used in this specification and the claims, the terms "a," "an," "the," and/or "the" are not specific to a singular, but may include a plurality, unless the context clearly dictates otherwise. In general, the terms "comprises" and "comprising" merely indicate that the steps and elements are explicitly identified, and they do not constitute an exclusive list, as other steps or elements may be included in a method or apparatus.

A flowchart is used in this specification to describe the operations performed by the system according to embodiments of the present specification. It should be appreciated that the preceding or following operations are not necessarily performed in order precisely. Rather, the steps may be processed in reverse order or simultaneously. Also, other operations may be added to or removed from these processes.

Fig. 1 is a schematic diagram of an application scenario 100 of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description. In some embodiments, the application scenario 100 of the digital dummy-guided user online stock account opening system may include a user terminal 110, a user 120, a processing device 130, and a network 140. In some embodiments, the application scenario 100 of the breath-hold training system may also include a storage device (not shown).

The user 120 may make a stock account opening via the user terminal 110. Exemplary user terminals 110 may include mobile devices, tablet computers, notebook computers, and the like, or any combination thereof. For example, the screen of the user terminal 110 may display the digital virtual person 110-1 to guide the user 120 to open a stock account online.

The digital virtual person 110-1 refers to an avatar having the appearance characteristics and the behavior patterns of a person, which is manufactured through technological means such as modeling, motion capture or AI, and is presented through a screen of the user terminal 110. In some embodiments, the digital virtual person 110-1 may interactively feed back a target reply to the user in response to the user 120 needing to interact with the digital virtual person 110-1 during a stock account opening process. In some embodiments, the user 120 interaction with the digital virtual person 110-1 during a stock account opening process may include operation guidance, shortcut operations, and artificial intelligence interactions.

The processing device 130 may be used to process data related to a digital dummy guiding a user to conduct a stock opening system online. For example, the processing device 130 may obtain the identity information of the user online, and perform identity recognition based on the identity information of the user, so as to obtain an identity recognition result. Further, the processing device 130 may determine a guiding policy for stock account opening based on the identification result, and guide the user online for stock account opening by the digital virtual person based on the guiding policy. In some embodiments, the processing device 130 may be a single server or a group of servers. The server farm may be centralized or distributed. In some embodiments, the processing device 130 may be local or remote. In some embodiments, the processing device 130 may be implemented on a cloud platform. For example only, the cloud platform may include a private cloud, a public cloud, a hybrid cloud, a community cloud, a distributed cloud, an internal cloud, a multi-layer cloud, or the like, or any combination thereof. In some embodiments, the processing device 130 may be integrated or mounted on the user terminal 110.

The network 140 may connect the various components of the application scenario 100 and/or external resource portions of the digital dummy's guiding the user through the stock opening system online. Network 140 enables communication between the various components and other components outside the system to facilitate the exchange of data and/or information. For example, the identity information of the user acquired by the user terminal 110 may be transmitted to the processing device 130 through the network 140 for processing. For another example, the processing device 130 may transmit the boot policy to the user terminal 110 over the network 140 to thereby guide the user online to stock account opening by the digital dummy.

In some embodiments, network 140 may be any one or more of a wired network or a wireless network. For example, the network 140 may include a cable network, a fiber optic network, a telecommunications network, the internet, a Local Area Network (LAN), a Wide Area Network (WAN), a Wireless Local Area Network (WLAN), a Metropolitan Area Network (MAN), a Public Switched Telephone Network (PSTN), a bluetooth network, a ZigBee network, a Near Field Communication (NFC), an intra-device bus, an intra-device line, a cable connection, and the like, or any combination thereof. The network connection between the parts can be in one of the above-mentioned ways or in a plurality of ways.

In some embodiments, the application scenario 100 of the digital dummy guiding the user to conduct the stock opening system online may also include some or more other devices, such as a storage device.

The storage device may store data, instructions, and/or any other information. In some embodiments, the storage device may store data and/or instructions related to a digital dummy guiding a user to conduct stock opens online. For example, the storage device may store identity information of the user. As another example, the storage device may store instructions for processing identity information of a user to determine an identity result.

In some embodiments, the storage device may be connected to the network 140 to communicate with one or more other components (e.g., the user terminal 110 and/or the processing device 130, etc.) in the application scenario 100 of the digital virtual person-guided user online stock opening system. The digital virtual person directs the user to conduct one or more components of the application scenario 100 of the stock opening system online, and may access data or instructions stored in the storage device over the network 140. In some embodiments, the storage device may be part of the processing device 130.

Fig. 2 is a block diagram 200 of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description.

In some embodiments, the module diagram 200 of the digital dummy guiding the user to conduct the stock account opening system online may include an identification module 210 and a guiding module 220.

The identification module 210 may be configured to obtain identity information of a user online, and perform identity identification based on the identity information of the user, so as to obtain an identity identification result.

The guiding module 220 may be configured to determine a guiding policy for stock account opening based on the identification result, and guide the user online to make the stock account opening by the digital virtual person based on the guiding policy. In some embodiments, the guidance policies may include a guidance policy for a first stock account opening, a guidance policy for a non-first stock account opening, a guidance policy for proceeding to an intermediate step of a stock account opening. In some embodiments, the guiding module 220 may be further configured to, in response to the user exiting and re-entering the stock account opening process under a first preset condition, enable the user to proceed with stock account opening from a next step of stock account opening steps completed before exiting, the stock account opening steps completed before exiting being recorded in the storage device; after the user uploads the information through the picture, extracting text information and/or digital information in the picture through an image recognition algorithm and filling columns corresponding to the text information and/or the digital information; and in response to the user needing to interact with the digital virtual person in the stock account opening process, the processing equipment acquires input information of the user, determines a target answer corresponding to the input information based on the input information, and interactively feeds back the target answer to the user by the digital virtual person. In some embodiments, the user's interaction with the digital virtual person during the stock account opening process may include: operation guidance, shortcut operation and artificial intelligence interaction.

In some embodiments, the guidance module 220 may be further configured to determine the text information and/or the digital information based on the user selected picture type and location information of the text information and/or the digital information in the picture. In some embodiments, the guiding module 220 may be further configured to obtain an execution time and/or an execution step of the stock account opening process, and determine whether the execution time and/or the execution step meets a corresponding second preset condition; and responding to the execution time and/or the execution step meeting the corresponding second preset condition, starting an emotion function, wherein the emotion function is used for carrying out emotion interaction with a user, and the emotion interaction comprises the following steps: emotional expression, emotional pacifying, and emotional resonance. In some embodiments, the guiding module 220 may be further configured to separately manage the user's assets by binding the identity information identification with different assets of the user in response to the same user taking multiple identity information for stock quotes.

For more details on the identification module 210 and the guidance module 220, see fig. 3-7C and their associated descriptions.

It should be understood that the system shown in fig. 2 and its modules may be implemented in a variety of ways. It should be noted that the above description of the candidate display, determination system, and modules thereof is for descriptive convenience only and is not intended to limit the present description to the scope of the illustrated embodiments. It will be appreciated by those skilled in the art that, given the principles of the system, various modules may be combined arbitrarily or a subsystem may be constructed in connection with other modules without departing from such principles. In some embodiments, the identification module 210 and the guidance module 220 disclosed in fig. 2 may be different modules in one system, or may be one module to implement the functions of two or more modules described above. For example, each module may share one memory module, or each module may have a respective memory module. Such variations are within the scope of the present description.

FIG. 3 is an exemplary flow chart of a digital virtual person guiding a user to conduct a stock opening system online according to some embodiments of the present description. As shown in fig. 3, the process 300 includes the following steps. In some embodiments, one or more operations of the process 300 shown in FIG. 3 may be implemented in the application scenario 100 of the digital virtual person-guided user online stock accounting system shown in FIG. 1. For example, the flow 300 illustrated in FIG. 3 may be stored in a storage device in the form of instructions and invoked and/or executed by the processing device 130.

Step 310, obtaining the identity information of the user online, and carrying out identity recognition based on the identity information of the user to obtain an identity recognition result. In some embodiments, step 310 may be performed by identification module 210.

The identity information of the user refers to information that can reflect the unique identity of the user. For example, the identity information of the user may include face information, fingerprint information, identification card number information, and the like of the user.

The identification result refers to an identification result which can reflect the stock account opening state of the user. For example, the identification result may include a user who opened a first stock account, a user who opened a non-first stock account, a user who goes to an intermediate step of opening a stock account.

In some embodiments, the processing device may acquire identity information of the user entered by the user through the user terminal online, and perform identity recognition based on the identity information of the user, so as to obtain an identity recognition result. For example, the processing device may obtain face information of the user through a camera of the user terminal, and perform face recognition based on the face information of the user, so as to obtain an identification result. For another example, the processing device may obtain the identification number information of the user through a keyboard, a touch screen, and the like of the user terminal, and perform identification based on the identification number information of the user, so as to obtain an identification result.

Step 320, determining a guiding policy of stock account opening based on the identity recognition result, and guiding the user to perform stock account opening online by the digital virtual person based on the guiding policy. In some embodiments, step 320 may be performed by the guidance module 220.

The guiding policy refers to a scheme for guiding a user to open a stock account. For example, the guiding policy may include a guiding policy for a first stock account opening, a guiding policy for a non-first stock account opening, a guiding policy to go to an intermediate step of a stock account opening.

In some embodiments, the processing device may determine a guidance policy for stock account opening based on the identification result. For example, if the identification result is the user who opens an account for the first stock, the guiding policy for opening an account for the stock is the guiding policy for opening an account for the first stock. For another example, if the identification result is a user who opens an account for a stock, the guiding policy for the stock is a guiding policy for the stock. For another example, if the identification result is a user who proceeds to the intermediate step of stock account opening, the guiding policy of stock account opening is a guiding policy that proceeds to the intermediate step of stock account opening.

In some embodiments, if the guiding policy of the stock account opening is the guiding policy of the first stock account opening, the digital virtual person may guide the user to confirm account information and submit stock account opening information. Before the stock opens an account, the user mobile phone, the mailbox and other information are needed, and the digital virtual person can provide the following two acquisition modes for the user to select so as to confirm account information: the user can select a mobile phone and a mailbox reserved when registering the APP before shortcut association, the digital virtual person sends a verification code to the mobile phone of the user through a message background service, and the user inputs the verification code to verify the identity; the user can also select to build a new one, the digital virtual person can inquire the mobile phone and the mailbox to be bound for the stock account opening of the user, the user can reply through voice or input text, and the digital virtual person sends the successful confirmation information after confirmation with the user. After the account information is confirmed successfully, the digital virtual person can guide the user to submit the stock account opening information.

The digital dummy directing the user to submit stock account opening information may include: introducing different account characteristics by the digital virtual person, and guiding a user to select an account type; the digital virtual person guides the user to upload personal information, for example, text information and/or digital information in the picture uploaded by the user is extracted through an image recognition algorithm and columns corresponding to the text information and/or the digital information are filled in; after the digital virtual person confirms the information, guiding the user to submit address and work information; the digital dummy asks to know the financial condition, investment experience, tax payment, disclosure and other information of the user; related protocol awareness and signing; the user is electronically signed.

In the account information confirmation stage, if the user registers the APP, the digital virtual person can prompt and guide the user to select a mobile phone and a mailbox reserved when registering the APP before quick association in the stock account opening process so as to save the time of the user.

In some embodiments, if the guiding policy of the stock account opening is a guiding policy of a non-first stock account opening, the digital virtual person may guide the user to confirm account information and submit stock account opening information. The digital virtual person can provide the following two acquisition modes for the user to select so as to confirm account information: the digital virtual person can recommend the mobile phone number and mailbox existing in stock account opening before user association, the digital virtual person sends a verification code to the mobile phone of the user through the message background service, and the user inputs the verification code to verify the identity; the user can also select to build a new one, the digital virtual person can inquire the mobile phone and the mailbox to be bound for the stock account opening of the user, the user can reply through voice or input text, and the digital virtual person sends the successful confirmation information after confirmation with the user. After the account information is confirmed successfully, the digital virtual person can guide the user to submit the stock account opening information. The process that the digital virtual person corresponding to the guiding policy of the first stock account opening guides the user to submit the stock account opening information is the same as the process that the digital virtual person corresponding to the guiding policy of the first stock account opening guides the user to submit the stock account opening information, and is not described herein.

In the account information confirmation stage, if the user does not open an account for the first time, the digital virtual person can prompt and guide the mobile phone number and the mailbox existing in the stock account before the user is associated in the stock account opening flow, so that the time of the user is saved.

In some embodiments, if the guiding policy for the stock account opening is a guiding policy that proceeds to an intermediate step of the stock account opening. In response to the user exiting and re-entering the stock account opening process under a first preset condition, the user proceeds with stock account opening from the next step of the stock account opening step completed prior to exiting. Wherein, the stock account opening step completed before the exit is recorded in the storage device. In response to the user exiting and re-entering the stock account opening process if the first preset condition is not met, the user may restart the stock account opening process.

The first preset condition refers to a preset condition for retaining the data of the previous step. In some embodiments, the first preset condition may be 24h, 48h, 72h, or the like. The first preset condition may be set manually according to experience. By setting the first preset condition, the intermediate data with longer time can be deleted, so that the waste of storage resources is avoided.

There may be misoperation and temporary exit in the stock account opening process, for example, after the user temporarily exits, the stock account opening process is re-entered, and the previous content needs to be refilled, which wastes time. In some embodiments of the present disclosure, the storage device records the stock account opening step completed before the user exits, and if the user exits and reenters the stock account opening process under the first preset condition, the user can continue to perform the stock account opening from the next step of the stock account opening step completed before the user exits, thereby greatly improving the efficiency of performing the stock account opening online.

In some embodiments, the stock account opening process may include one or more of the following.

In some implementations, in response to a user uploading information through a picture, the processing device may extract text information and/or digital information in the picture through an image recognition algorithm and populate fields corresponding to the text information and/or digital information.

The text information and/or the digital information refers to text content and/or digital content required for a stock account opening process. For example, the textual information may include name, gender, ethnicity, etc., and the numerical information may include identification number, date of birth, etc.

In some embodiments, the processing device may determine the text information and/or the digital information based on the user selected picture type and location information of the text information and/or the digital information in the picture. For example, if the user selects a picture type that is an identification card, the processing device may determine text information and/or digital information on the identification card based on optical character recognition Optical Character Recognition (OCR) technology through image preprocessing, image segmentation, character recognition, recognition result processing, and so on.

By extracting the text information and/or the digital information in the picture uploaded by the user and filling the columns corresponding to the text information and/or the digital information, the stock account opening efficiency of the user is higher, and the data filling is more accurate.

In some embodiments, in response to a user needing to interact with a digital virtual person during a stock account opening process, the processing device may obtain input information for the user, determine a target answer corresponding to the input information based on the input information, and interactively feed back the target answer to the user by the digital virtual person.

In some embodiments, the user's interactions with the digital virtual person during the stock account opening process may include operation guidance, shortcut operations, and artificial intelligence interactions. Wherein the operation guidance may include voice and/or text guidance, the shortcut operation may include intelligent shortcut clicking, and the artificial intelligent interaction may include interactively feeding back a target reply corresponding to the input information of the user to the user. And setting up a digital virtual person to guide the user to conduct the stock account opening system on line through an interactive mode of simulating the direct communication between the user on line and the stock account opening service personnel, so that the user interacts with the digital virtual person in the stock account opening process. For example, as shown in fig. 7A, when a user enters a digital virtual person to guide the user to conduct a stock account opening page of a stock account opening system online, the digital virtual person may welcome and introduce a stock account opening service through voice explanation, action expression, and the like. For another example, as shown in fig. 7B, in the account information confirmation stage, the digital virtual person may guide the user to perform face recognition to obtain the identity information of the user. For another example, as shown in fig. 7C, the digital dummy may guide the user to quickly select the type of picture to be uploaded in the stage of guiding the user to submit the stock account opening information.

In the current stock account opening process, a lot of form information needs to be filled in, and the process is complicated. In some embodiments of the present disclosure, the digital virtual person may more efficiently complete the entire information collection process through interaction modes such as operation guidance, shortcut operation, and artificial intelligence interaction.

In some embodiments, when a user has a problem in the stock account opening process (i.e., the user needs to interact with the digital virtual person in the stock account opening process), the processing device may obtain input information of the user, determine a target answer corresponding to the input information based on the input information, and feed back the target answer to the user in a form of a question-answer (i.e., interactively) by the digital virtual person in combination with a text, a video, etc., and also have some encouraged words and action expressions. For example, a digital dummy asks the user: "please tell you that there is little investment experience, general investment experience, or rich investment experience? "the user may consider the need to interact with the digital dummy without knowing the meaning of the rich investment experience, i.e., ask the digital dummy: what is a rich investment experience? After the digital dummy determines the target reply corresponding to the user input information, replying to the user: "abundant investment experience" means investment over 5 years, operating over-funded stocks, or doing professional securities trade, etc. And the last three steps become the best of the cheer, the fueling is-! "

In some embodiments, the processing device may extract keywords based on the input information and search a question bank to determine a standard question and its target answer corresponding to the input information. The question library stores standard questions and target answers thereof.

In some embodiments, the processing device may determine a target answer corresponding to the input information based on the question identification model. For more details on determining a target answer corresponding to the input information based on the question identification model, see fig. 5 and its associated description.

In some embodiments, the processing device may acquire an execution time and/or an execution step of the stock account opening process, and determine whether the execution time and/or the execution step satisfies the corresponding second preset condition. And starting the emotion function in response to the execution time and/or the execution step meeting the corresponding second preset condition. The affective functionality can be used to interact with the user emotionally. The emotional interactions may include: emotional expression, emotional pacifying, and emotional resonance.

For more details on activating affective functions see fig. 4 and its associated description.

In some embodiments, in response to the same user taking multiple identity information for stock account opening, the processing device may bind with different assets of the user through the identity information identification, separately managing the assets of the user.

The identity information refers to information reflecting the country to which the user belongs. For example, the identity information may include chinese nationality, british nationality, korean nationality, and the like.

The identity information identifier refers to an identifier which can embody identity information. For example, the identity information identifier may include a chinese passport identification ID, a uk passport identification ID, a korean passport identification ID, and the like.

In some embodiments, in response to the same user taking a stock account with both French nationality and Italian nationality (i.e., multiple identity information), the processing device may separately manage the user's assets by binding the French passport certificate ID and Italian passport certificate ID (i.e., identity information identification) with the user's different assets.

Because laws, rules and the like corresponding to the identity information identifiers may be different, the user account can be clearer and more convenient to manage by separately managing the assets of the user.

In some embodiments of the present disclosure, a digital virtual person guides a user to conduct a stock account opening online, so that the difficulty of the stock account opening of the user can be reduced, and the efficiency and the conversion rate of the stock account opening are improved, thereby improving the user experience.

It should be noted that the above description of the flow number virtual person guiding the user to make a stock account opening online is only for illustration and description, and does not limit the application scope of the present specification. Various modifications and changes to the training of flow Cheng Bingxi will be apparent to those skilled in the art in light of the present description. However, such modifications and variations are still within the scope of the present description.

FIG. 4 is an exemplary flow chart of one scenario of a stock account opening process shown in some embodiments of the present description. As shown in fig. 4, the process 400 includes the following steps. In some embodiments, one or more operations of the flow 400 shown in FIG. 4 may be implemented in the application scenario 100 of the digital virtual person-guided user online stock accounting system shown in FIG. 1. For example, the flow 400 illustrated in FIG. 4 may be stored in a storage device in the form of instructions and invoked and/or executed by the processing device 130.

Step 410, acquiring the execution time and/or execution step of the stock account opening process, and judging whether the execution time and/or execution step meets the corresponding second preset condition. In some embodiments, step 410 may be performed by the guidance module 220.

Execution time refers to the time a user spends at a certain step. For example, the execution time may include 10s, 45s, 88s, etc.

The execution step refers to the step that the user is in the stock account opening process. For example, the executing step may include entering a stock account opening, a third step of a stock account opening, a last step of a stock account opening, completion of a stock account opening, and the like.

The second preset condition is a preset condition requiring activation of an emotion function. For example, the second preset condition may include a preset time and a preset step, where the preset time may include an execution time of 30s or more, and the preset step may include an execution step of entering a stock account, an execution step of a last step of the stock account, an execution step of completing the stock account, and so on.

In some embodiments, the processing device may determine the second preset condition based on a time at which the current user answers the historical questions. For example, the time for the current user to answer the historical questions is lower than the average value of the time for the plurality of historical users to answer the corresponding historical questions, the response speed is high, and the preset time of the user can be correspondingly reduced. In some embodiments, the processing device may determine the second preset condition based on times at which the plurality of historical users answer the current question. For example, the processing device may multiply the time for the plurality of historical users to answer the current question by 120% to determine the preset time for the current question. In some embodiments, the processing device may also determine the second preset condition in combination with the network condition, the user characteristics (e.g., age, gender, etc.). For example, the current user may be older than 60 years old, sexed female, and the processing device may extend the preset time accordingly. In some embodiments, the processing device may determine the preset step based on steps that are easily discarded when a plurality of historical users answer the historical questions. For example, if more than 20% of the historical users answer the third to last question and give up stock account opening, then this step may be determined to be a preset step. When this step is reached, the digital dummy can succeed by "there are three more steps, refuel-! "and encouraged actions, expressions, etc. encourage the user to continue with the stock account opening.

Step 420, in response to the execution time and/or the execution step satisfying the corresponding second preset condition, activating an emotion function. In some embodiments, step 420 may be performed by the guidance module 220.

Emotion function refers to a function that can be used to interact emotionally with a user. Among other things, emotional interactions may include emotional expressions, emotional pacifications, and emotional resonance.

The digital dummy may express emotion through actions, expressions, mouth shapes, sound changes, etc. The digital dummy can carry out emotion pacifying through operation guidance, function explanation, difficult encouragement, answering assistance and the like. The digital dummy can carry out emotion resonance through question marks, boring talk, encouragement, congratulation and the like.

In some embodiments, in response to the execution time being 31s (greater than the preset time 30 s), the corresponding second preset condition is met, the digital virtual person may determine that the user may encounter difficulty in the stock account opening process, may actively ask the user if the user needs kinetic energy such as operation guidance, function explanation, answering assistance, etc., while encouraging the user to complete the stock account opening process by speaking, and encouraging the user by encouraging actions, expressions, sound changes, etc. In some embodiments, in response to performing the step of entering a stock account, the digital dummy may welcome and introduce the stock account service through functional explanation, action, expression, etc. In some embodiments, in response to the execution step being the last step of a stock account opening, the digital dummy may succeed by "last step in addition to the fueling ≡! "and encouraged actions, expressions, etc. encourage the user. In some embodiments, in response to the executing step being completed for the stock account opening, the digital dummy may complete the-! "congratulating the user for happy and congratulating actions, expressions, etc.

In some embodiments of the present disclosure, the digital virtual person may perform emotion interaction with the user through rich actions, expressions, sound changes, and the like, which is favorable for the client to persist to complete the stock account opening, and improves the conversion rate, and the stock account opening process may be full of interaction feeling and interest, and improves the user experience.

It should be noted that the above description of one scenario regarding the process of opening an account for a flow stock is for the purpose of illustration and description only, and does not limit the scope of applicability of the present specification. Various modifications and changes may be made to one instance of the process of opening an account for a stock of the flow under the guidance of the present specification by those skilled in the art. However, such modifications and variations are still within the scope of the present description.

FIG. 5 is a schematic diagram of a process 500 for determining a target answer corresponding to input information based on a question identification model, according to some embodiments of the present disclosure.

In some embodiments, the processing device may perform artificial intelligence interactions through a problem recognition model that includes an embedded layer and a problem recognition layer. The embedded layer is used for determining standard questions, and the question recognition layer is used for determining target answers and accuracy thereof.

In some embodiments, as shown in FIG. 5, problem identification model 520 may include an embedded layer 520-1 and a problem identification layer 520-2.

In some embodiments, both the embedding layer 520-1 and the problem identification layer 520-2 may be Neural Network models (NNs).

The input of the embedded layer 520-1 is input information 510 and the output is standard questions 530; the input to the question identification layer 520-2 is the output standard question 530 of the embedded layer 520-1, which is output as the target answer and its accuracy 540.

The input information 510 refers to question information input by the user. For example, the input information 510 may be "why is there a rich investment experience? "

The standard questions 530 are questions in the database corresponding to the question information input by the user. For example, why is the input information 510 a rich investment experience? "corresponding standard questions 530 may be" standard meaning with rich investment experience? "

The target reply and its accuracy 540 are the replies that the pointer gets to the input information 510. For example, why is the input information 510 a rich investment experience? "corresponding target answers and their accuracy 540 may be" rich investment experience means investment over 5 years, operating over-funded stocks, or doing professional stock exchanges, etc. "and accuracy is 90%.

In some embodiments, the embedded layer 520-1, the problem identification layer 520-2 may be obtained through joint training. For example, sample input information is input to the embedded layer 520-1, resulting in a sample standard problem output by the embedded layer 520-1; the sample standard questions output by the embedded layer 520-1 are input into the question recognition layer 520-2, and the sample target answers and the accuracy rate output by the question recognition layer 520-2 are obtained.

The labels of the training samples may be obtained based on the user's composite score in the historical data and the number of times that similar questions continue to be posed. In the historical data, after the user obtains the sample target answers, the sample target answers are scored. If the sample target answer is not satisfied, then similar questions continue to be posed. The processing device may determine the accuracy of the sample target answer based on the composite score of the user in the historical data and the number of times that similar questions continue to be posed. In some embodiments, the processing device may sort the composite score of the user and the number of times that similar questions continue to be posed into a data lookup table, and determine the accuracy of the sample target answer based on the data lookup table. For example, based on the comprehensive score of the user of the sample input information in the data comparison table being 85 points, the number of times of continuously presenting the similar questions is 0, the accuracy of the sample target answer corresponding to the sample input information is determined to be 85%, the comprehensive score of the user of the sample input information a is 85 points, the number of times of continuously presenting the similar questions is 0, and the accuracy of the sample target answer corresponding to the sample input information a is determined to be 85%.

Training of the initial model may include one or more iterations. For example only, in the current iteration, for each training sample, the processing device may determine the target answer for the sample input information and its accuracy using the intermediate model. If the current iteration is the first iteration, the intermediate model may be the initial model. If the current iteration is the other iteration, the intermediate model may be the model generated in the last iteration. The problem recognition model 520 may construct a loss function based on the accuracy of the sample target response and the accuracy of the target response in the output result of the problem recognition layer 520-2, and update parameters of the embedding layer 520-1 and the problem recognition layer 520-2 until a preset condition is satisfied, and training is completed. The preset condition may be one or more of loss function being less than a threshold, convergence, or training period reaching a threshold, etc.

In some embodiments, when the embedded layer 520-1 fails to determine the standard question 530, then a manual agent may be initiated to answer the question. And adding the problem serving as a standard problem, a target answer of the manual seat reply and the accuracy of the target answer obtained according to the comprehensive score of the user and the times of continuously presenting similar problems to training data of the model, and further iteratively optimizing the model.

In some embodiments, when the accuracy of the target answer output by the issue recognition layer 520-2 is less than a preset threshold (e.g., 60%), then a manual agent may be initiated to answer the issue. And adding the problem serving as a standard problem, a target answer of the manual seat reply and the accuracy of the target answer obtained according to the comprehensive score of the user and the times of continuously presenting similar problems to training data of the model, and further iteratively optimizing the model.

In some embodiments of the present description, the input information is processed to obtain the target answer by a question recognition model that includes an embedded layer and a question recognition layer. The method is beneficial to obtaining accurate replies, and the joint training embedding layer and the problem recognition layer can not only reduce the number of required samples, but also improve the training efficiency. Meanwhile, when the manual agent answer is started, the obtained standard questions, target answers and accuracy thereof further iterate the optimization model, so that the target answer determined by the question identification model can be more accurate.

FIG. 6 is an exemplary flow chart of a digital virtual person guiding a user to conduct a stock opening system online according to further embodiments of the present description.

In some embodiments, the digital virtual person may direct the user to conduct a stock account opening online in response to the user not exiting and re-entering the stock account opening process under a first preset condition.

Step 610: digital virtual stock account opening page. The user enters the digital virtual person stock account page from the APP stock account entry.

Step 620: digital virtual persons welcome and introduce stock account opening services. The digital dummy can welcome and introduce the stock account opening service through voice explanation, action expression and the like.

Step 630: and (5) obtaining user identity information through face recognition.

Step 640: and judging whether the user has opened an account. Responsive to the user not opening an account for stocks, execute step 650; in response to the user having opened an account, step 6100 is performed.

Step 650: the digital virtual person is guided to open an account by voice.

Step 660: account opening binds APP account mobile phone mailbox or newly creates. Responsive to the user selecting a stock account binding APP account handset mailbox, performing step 670; in response to the user selecting the new build, step 6160 is performed.

Step 670: the digital virtual machine sends a mobile phone verification code.

Step 680: the user enters the authentication code. Responsive to the verification being successful, performing step 6180; in response to the verification failure, step 690 is performed.

Step 690: and resend the authentication information. After the authentication information is resent, step 670 is performed.

Step 6100: when a user opens, a new account is opened.

Step 6110: and guiding intelligent binding, and recommending mobile phone numbers or mailboxes of the user before the user is associated. Responsive to the user selecting the intelligent binding, performing step 6120; in response to the user selecting the new build, step 6160 is performed.

Step 6120: and quickly selecting the mobile phone and the mailbox to be associated.

Step 6130: the virtual machine sends a verification code.

Step 6140: the user enters the authentication code. Responsive to the verification being successful, performing step 6180; in response to the verification failure, step 6150 is performed.

Step 6150: and resend the authentication information. After the authentication information is resent, step 6130 is performed.

Step 6160: the digital dummy inquires the mobile phone and mailbox to be bound for account opening.

Step 6170: digital dummy and user confirmation.

Step 6180: the account information is confirmed successfully, and the virtual person guides the user to submit account opening information through voice.

Step 6190: the account type is selected, and the digital virtual person introduces different account characteristics.

Step 6200: the digital dummy directs the user to upload personal information (e.g., an identification card photograph).

Step 6210: photo AI identifies, intelligent extraction of key information (e.g., name, date of birth, certificate number, etc.). Step 6230 is performed in response to the verification being successful, and step 6220 is performed in response to the verification failing.

Step 6220: and (5) re-uploading. After re-uploading, step 6200 is performed.

Step 6230: after the digital virtual person confirms the information, the user is guided to submit address and work information.

Step 6240: the user voice or input text communicates with the dummy and submits information.

Step 6250: the digital dummy asks to know the financial condition and investment experience of the user, and pays tax and reveals information.

Step 6260: protocol awareness and signing.

Step 6270: the user is electronically signed.

Step 6280: submitting stock account opening information and entering into auditing. The digital virtual person can submit the stock account opening information to the background audit, and special stock account opening service personnel can verify the stock account opening information. In response to meeting the relevant legal regulations and stock account opening requirements, performing step 6290; and responding to the condition that the related legal regulation conditions and/or the stock account opening requirements are not met, informing the user of the unsuccessful stock account opening reasons in detail through a mail/short message mode and the like.

Step 6290: the stock account opening is successful. And informing the user of successful stock account opening through mail/short message and other modes.

In some embodiments, a digital dummy directs a user to conduct stock account opening online comprises a processing device and a storage device; the storage device is used for storing instructions, and the instructions, when executed by the processing device, cause the device to realize the method that the digital virtual person guides the user to conduct stock account opening online.

In some embodiments, the computer readable storage medium stores computer instructions that, when read by a computer in the storage medium, operate the digital virtual person to direct a user to conduct a stock account opening method online.

Possible benefits of embodiments of the present description include, but are not limited to: (1) And recording the stock account opening step finished before the user exits through the storage device, and if the user exits and reenters the stock account opening process under the first preset condition, continuing to open the stock account from the next step of the stock account opening step finished before the user exits, thereby greatly improving the efficiency of opening the stock account online. (2) By extracting the text information and/or the digital information in the picture uploaded by the user and filling the columns corresponding to the text information and/or the digital information, the stock account opening efficiency of the user is higher, and the data filling is more accurate. (3) The digital virtual person can more efficiently complete the whole information acquisition process through interaction modes such as operation guidance, quick operation, artificial intelligent interaction and the like. (4) Because laws, rules and the like corresponding to the identity information identifiers may be different, the user account can be clearer and more convenient to manage by separately managing the assets of the user. (5) The digital virtual person guides the user to conduct the stock account opening online, so that the difficulty of the stock account opening of the user can be reduced, the efficiency and the conversion rate of the stock account opening are improved, and the user experience is improved. (6) The digital virtual person can carry out emotion interaction with the user through rich actions, expressions, sound changes and the like, so that the client can adhere to complete the stock account opening, the conversion rate is improved, the stock account opening process can be full of interaction feeling and interestingness, and the user experience is improved. (7) And processing the input information through a question identification model comprising an embedding layer and a question identification layer to obtain a target answer. The method is beneficial to obtaining accurate replies, and the joint training embedding layer and the problem recognition layer can not only reduce the number of required samples, but also improve the training efficiency. Meanwhile, when the manual agent answer is started, the obtained standard questions, target answers and accuracy thereof further iterate the optimization model, so that the target answer determined by the question identification model can be more accurate.

While the basic concepts have been described above, it will be apparent to those skilled in the art that the foregoing detailed disclosure is by way of example only and is not intended to be limiting. Although not explicitly described herein, various modifications, improvements, and adaptations to the present disclosure may occur to one skilled in the art. Such modifications, improvements, and modifications are intended to be suggested within this specification, and therefore, such modifications, improvements, and modifications are intended to be included within the spirit and scope of the exemplary embodiments of the present invention.

Meanwhile, the specification uses specific words to describe the embodiments of the specification. Reference to "one embodiment," "an embodiment," and/or "some embodiments" means that a particular feature, structure, or characteristic is associated with at least one embodiment of the present description. Thus, it should be emphasized and should be appreciated that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various positions in this specification are not necessarily referring to the same embodiment. Furthermore, certain features, structures, or characteristics of one or more embodiments of the present description may be combined as suitable.

Furthermore, the order in which the elements and sequences are processed, the use of numerical letters, or other designations in the description are not intended to limit the order in which the processes and methods of the description are performed unless explicitly recited in the claims. While certain presently useful inventive embodiments have been discussed in the foregoing disclosure, by way of various examples, it is to be understood that such details are merely illustrative and that the appended claims are not limited to the disclosed embodiments, but, on the contrary, are intended to cover all modifications and equivalent arrangements included within the spirit and scope of the embodiments of the present disclosure. For example, while the system components described above may be implemented by hardware devices, they may also be implemented solely by software solutions, such as installing the described system on an existing server or mobile device.

Likewise, it should be noted that in order to simplify the presentation disclosed in this specification and thereby aid in understanding one or more inventive embodiments, various features are sometimes grouped together in a single embodiment, figure, or description thereof. This method of disclosure, however, is not intended to imply that more features than are presented in the claims are required for the present description. Indeed, less than all of the features of a single embodiment disclosed above.

In some embodiments, numbers describing the components, number of attributes are used, it being understood that such numbers being used in the description of embodiments are modified in some examples by the modifier "about," approximately, "or" substantially. Unless otherwise indicated, "about," "approximately," or "substantially" indicate that the number allows for a 20% variation. Accordingly, in some embodiments, numerical parameters set forth in the specification and claims are approximations that may vary depending upon the desired properties sought to be obtained by the individual embodiments. In some embodiments, the numerical parameters should take into account the specified significant digits and employ a method for preserving the general number of digits. Although the numerical ranges and parameters set forth herein are approximations that may be employed in some embodiments to confirm the breadth of the range, in particular embodiments, the setting of such numerical values is as precise as possible.

Each patent, patent application publication, and other material, such as articles, books, specifications, publications, documents, etc., referred to in this specification is incorporated herein by reference in its entirety. Except for application history documents that are inconsistent or conflicting with the content of this specification, documents that are currently or later attached to this specification in which the broadest scope of the claims to this specification is limited are also. It is noted that, if the description, definition, and/or use of a term in an attached material in this specification does not conform to or conflict with what is described in this specification, the description, definition, and/or use of the term in this specification controls.

Finally, it should be understood that the embodiments described in this specification are merely illustrative of the principles of the embodiments of this specification. Other variations are possible within the scope of this description. Thus, by way of example, and not limitation, alternative configurations of embodiments of the present specification may be considered as consistent with the teachings of the present specification. Accordingly, the embodiments of the present specification are not limited to only the embodiments explicitly described and depicted in the present specification.

Claims

1. A method for a digital dummy to guide a user to conduct a stock opening on-line, the method being performed by at least one processing device, the method comprising the steps of:

Acquiring identity information of a user on line, and carrying out identity recognition based on the identity information of the user to obtain an identity recognition result;

determining a guiding strategy of stock account opening based on the identity recognition result, and guiding a user to perform stock account opening online by the digital virtual person based on the guiding strategy;

the stock account opening process comprises one or more of the following conditions:

responding to the user to exit and re-entering the stock account opening process under a first preset condition, wherein the user continues to carry out the stock account opening from the next step of the stock account opening step completed before exiting, and the stock account opening step completed before exiting is recorded in a storage device;

after the user uploads the information through the picture, extracting text information and/or digital information in the picture through an image recognition algorithm and filling columns corresponding to the text information and/or the digital information; and

in response to the user needing to interact with the digital virtual person in the stock account opening process, processing equipment obtains input information of the user, determines a target answer corresponding to the input information based on the input information, and interactively feeds back the target answer to the user by the digital virtual person.

2. The method of claim 1, wherein the guidance policy comprises a guidance policy for a first stock account opening, a guidance policy for a non-first stock account opening, and a guidance policy for proceeding to an intermediate step of a stock account opening.

3. The method of claim 1, wherein the stock account opening process further comprises the following:

acquiring the execution time and/or execution step of the stock account opening process, and judging whether the execution time and/or execution step meets a corresponding second preset condition;

and responding to the execution time and/or the execution step meeting a corresponding second preset condition, starting an emotion function, wherein the emotion function is used for carrying out emotion interaction with the user, and the emotion interaction comprises the following steps: emotional expression, emotional pacifying, and emotional resonance.

4. The method according to claim 1, wherein the extracting text information and/or digital information in the picture by the image recognition algorithm comprises: and determining the text information and/or the digital information based on the picture type selected by the user and the position information of the text information and/or the digital information in the picture.

5. The method of claim 1, wherein the stock account opening process further comprises the following:

And in response to the fact that the same user adopts a plurality of identity information to conduct stock account opening, the identity information identification is bound with different assets of the user, and the assets of the user are managed separately.

6. The method of claim 1, wherein the interaction of the user with the digital virtual person during the stock subscription process comprises: operation guidance, shortcut operation and artificial intelligence interaction.

7. A digital dummy-guided stock account opening system for guiding a user online, comprising:

the identification module is used for acquiring the identity information of the user on line, and carrying out identity identification based on the identity information of the user to obtain an identity identification result;

the guiding module is used for determining a guiding strategy of stock account opening based on the identity recognition result, and guiding a user to perform stock account opening online by the digital virtual person based on the guiding strategy;

8. The system of claim 7, wherein the guidance policies include a guidance policy for a first stock account opening, a guidance policy for a non-first stock account opening, and a guidance policy for proceeding to an intermediate step of a stock account opening.

9. A device for guiding a user to conduct stock account opening online by a digital dummy, comprising processing equipment, wherein the processing equipment is used for executing the method for guiding the user to conduct stock account opening online by the digital dummy according to any one of claims 1 to 6.

10. A computer readable storage medium storing computer instructions which, when read by a computer in the storage medium, perform the method of the digital virtual person of any one of claims 1 to 6 to direct a user to conduct a stock opening online.