CN117114846A - Credit card issuing method, device, equipment and storage medium - Google Patents

Abstract

The application provides a credit card issuing method, device, equipment and storage medium, and relates to the technical field of artificial intelligence. The method comprises the following steps: responding to a credit card issuing request initiated by a user, and acquiring user reservation information; the credit card issuing request characterizes the request for obtaining the credit card, and the user reservation information indicates user related information pre-stored by the user; determining intelligent outbound data based on the user reservation information; the intelligent outbound data indicates dialogue content when intelligent outbound is performed; according to a preset speaking operation template and intelligent outbound data, intelligent outbound is carried out on the user, and an intelligent outbound result is obtained; the method comprises the steps that a preset conversation template indicates conversation sentences when a user carries out conversation; and under the condition that the intelligent outbound result indicates that the card issuing verification passes, credit card issuing processing is carried out for the user. The method of the application can intelligently and fully automatically send out the credit card, lighten the workload of business personnel and improve the credit card sending efficiency.

Description

Credit card issuing method, device, equipment and storage medium

Technical Field

The present application relates to the field of artificial intelligence technologies, and in particular, to a credit card issuing method, apparatus, device, and storage medium.

Background

After receiving the application of opening the credit card of the customer, the bank can conduct credit card issuing investigation to check whether the customer meets the card handling conditions, and conduct credit card issuing processing on the customer under the condition that the customer is determined to meet the card handling conditions.

At present, a bank mainly performs credit card issuing investigation through a business person, for example, the business person can acquire a credit card issuing application record and manually verify application information of the customer, so as to determine whether the customer meets card handling conditions.

In this way, when the credit card issuing investigation task is large, a lot of human resources are consumed, and the efficiency is low.

Disclosure of Invention

The application provides a credit card issuing method, a credit card issuing device, credit card issuing equipment and a credit card issuing storage medium, which are used for solving the technical problems of high cost and low efficiency of the existing credit card issuing investigation mode.

In a first aspect, the present application provides a credit card issuing method, including:

responding to a credit card issuing request initiated by a user, and acquiring user reservation information; the credit card issuing request characterizes the request for obtaining the credit card, and the user reservation information indicates user related information pre-stored by the user;

Determining intelligent outbound data based on the user reservation information; the intelligent outbound data indicates dialogue content when intelligent outbound is performed;

performing intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user carries out conversation;

and under the condition that the intelligent outbound result indicates that the card issuing verification passes, credit card issuing processing is carried out for the user.

In one example, the performing, according to a preset voice operation template and the intelligent outbound data, an intelligent outbound for the user to obtain an intelligent outbound result includes:

determining the priority order of each outbound sub-data in the intelligent outbound data; the outbound sub-data indicating the user-related information;

determining a target conversation corresponding to each outbound sub-data from the preset conversation template, and determining a dialogue sentence based on the target conversation and the corresponding outbound sub-data;

and carrying out intelligent outbound on the user based on the priority order and the dialogue statement to obtain an intelligent outbound result.

In one example, the performing, according to a preset voice operation template and the intelligent outbound data, an intelligent outbound for the user to obtain an intelligent outbound result includes:

performing intelligent outbound on the user according to a preset conversation template and the intelligent outbound data, and acquiring a user dialogue state of the user; the user dialogue state indicates dialogue duration when intelligent outbound is performed on the user;

determining target outbound data from the intelligent outbound data based on the user dialogue state;

and carrying out dialogue with the user based on the target outbound data and the preset conversation template to obtain the intelligent outbound result.

In one example, the performing, according to a preset voice operation template and the intelligent outbound data, an intelligent outbound for the user to obtain an intelligent outbound result includes:

performing intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain target voice data; the target voice data indicates a voice reply result of the user aiming at the intelligent outbound data;

performing data conversion on the target voice data to obtain the intelligent outbound result; wherein the intelligent outbound result indicates the target voice data in text format.

In one example, the method further comprises:

ending the intelligent outbound when the voice data indicating the ending of the dialogue is determined to exist based on the target voice data, and determining the next intelligent outbound time when the intelligent outbound is determined to be not finished based on the target voice data; wherein the next intelligent outbound time indicates a time to re-make an intelligent outbound to the user.

In one example, before the intelligent outbound call is made to the user according to a preset voice template and the intelligent outbound call data, the method further comprises:

determining target audit data based on the user reservation information; the target audit data indicates basic attribute information of the user, credit information of the user and anti-fraud information of the user;

checking the target audit data to obtain a data check result;

and under the condition that verification is determined to pass based on the data verification result, carrying out intelligent outbound on the user according to a preset speaking operation template and the intelligent outbound data.

In one example, the intelligent outbound result indicates that the outbound card audit is passed, including:

And under the condition that the intelligent outbound result is matched with the user reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

In one example, the determining that the intelligent outbound result indicates that the outbound card is approved when the intelligent outbound result matches the user reservation information includes:

determining target reservation information in the user reservation information; the target reservation information indicates information, in the user reservation information, of which the importance degree meets a preset requirement;

and under the condition that the intelligent outbound result is determined to contain a result meeting the similarity requirement with the target reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

In one example, the method further comprises:

acquiring preset execution time requirements, and under the condition that the current moment meets the execution time requirements, responding to a credit card issuing request initiated by a user to acquire user reservation information.

In a second aspect, the present application provides a credit card issuing device comprising:

the acquisition unit is used for responding to a credit card issuing request initiated by a user and acquiring the reservation information of the user; the credit card issuing request characterizes the request for obtaining the credit card, and the user reservation information indicates user related information pre-stored by the user;

A determining unit, configured to determine intelligent outbound data based on the user reservation information; the intelligent outbound data indicates dialogue content when intelligent outbound is performed;

the intelligent outbound unit is used for carrying out intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user carries out conversation;

and the card issuing unit is used for performing credit card issuing processing on the user under the condition that the intelligent outbound result indicates that the card issuing verification passes.

In one example, an intelligent outbound unit is configured to:

determining the priority order of each outbound sub-data in the intelligent outbound data; the outbound sub-data indicating the user-related information;

determining a target conversation corresponding to each outbound sub-data from the preset conversation template, and determining a dialogue sentence based on the target conversation and the corresponding outbound sub-data;

and carrying out intelligent outbound on the user based on the priority order and the dialogue statement to obtain an intelligent outbound result.

In one example, an intelligent outbound unit is configured to:

Performing intelligent outbound on the user according to a preset conversation template and the intelligent outbound data, and acquiring a user dialogue state of the user; the user dialogue state indicates dialogue duration when intelligent outbound is performed on the user;

determining target outbound data from the intelligent outbound data based on the user dialogue state;

and carrying out dialogue with the user based on the target outbound data and the preset conversation template to obtain the intelligent outbound result.

In one example, an intelligent outbound unit is configured to:

performing intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain target voice data; the target voice data indicates a voice reply result of the user aiming at the intelligent outbound data;

performing data conversion on the target voice data to obtain the intelligent outbound result; wherein the intelligent outbound result indicates the target voice data in text format.

In one example, the apparatus is further to:

ending the intelligent outbound when the voice data indicating the ending of the dialogue is determined to exist based on the target voice data, and determining the next intelligent outbound time when the intelligent outbound is determined to be not finished based on the target voice data; wherein the next intelligent outbound time indicates a time to re-make an intelligent outbound to the user.

In one example, the apparatus is further to:

before intelligent outbound is carried out on the user according to a preset speaking template and the intelligent outbound data, determining target audit data based on the user reservation information; the target audit data indicates basic attribute information of the user, credit information of the user and anti-fraud information of the user;

checking the target audit data to obtain a data check result;

and under the condition that verification is determined to pass based on the data verification result, carrying out intelligent outbound on the user according to a preset speaking operation template and the intelligent outbound data.

In one example, the card issuing unit is configured to:

and under the condition that the intelligent outbound result is matched with the user reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

In one example, the card issuing unit is configured to:

determining target reservation information in the user reservation information; the target reservation information indicates information, in the user reservation information, of which the importance degree meets a preset requirement;

and under the condition that the intelligent outbound result is determined to contain a result meeting the similarity requirement with the target reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

In one example, the apparatus further comprises:

the task starting unit is used for acquiring preset execution time requirements, and responding to a credit card issuing request initiated by a user to acquire user reservation information under the condition that the current moment meets the execution time requirements.

In a third aspect, the present application provides a computer device comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of the first aspect.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for performing the method of the first aspect when executed by a processor.

In a fifth aspect, the present application provides a computer program product comprising: computer-executable instructions stored in a readable storage medium from which at least one processor of a computer device can read, the at least one processor executing the computer-executable instructions causing the computer device to perform the method of the first aspect.

The credit card issuing method, the credit card issuing device, the credit card issuing equipment and the storage medium can respond to the credit card issuing request initiated by the user according to the preset execution script, acquire the user reservation information, and determine the intelligent outbound data based on the user reservation information, so that the intelligent outbound can be performed on the user according to the preset speaking template and the intelligent outbound data to obtain an intelligent outbound result. At this time, whether the credit card issuing verification for the user passes or not can be determined according to the intelligent outbound result, and the credit card issuing process is performed for the user under the condition that the verification passes is determined. The method automatically completes the flow of credit card issuing investigation through executing the script, and carries out credit card issuing for the user according to the obtained investigation result, thereby not only relieving the working pressure of business personnel, but also standardizing the flow of credit card issuing investigation and intelligent outbound data, avoiding investigation omission and leading the credit card issuing method to be more intelligent and efficient.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

Fig. 1 is an application scenario of credit card issuing provided in an embodiment of the present application;

FIG. 2 is a schematic flow chart of a credit card issuing method according to an embodiment of the present application;

FIG. 3 is a flowchart of another method for issuing credit cards according to an embodiment of the present application;

FIG. 4 is a schematic diagram of a credit card issuing method according to an embodiment of the present application;

FIG. 5 is a schematic diagram of a credit card issuing system according to an embodiment of the present application;

FIG. 6 is a flowchart of a method for issuing credit cards according to an embodiment of the present application;

FIG. 7 is a schematic diagram of a credit card issuing device according to an embodiment of the present application;

FIG. 8 is a schematic diagram of another credit card issuing device according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a computer device according to an embodiment of the present application.

Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.

It should be noted that the credit card issuing method, apparatus, device and storage medium provided by the present application may be used in the technical field of artificial intelligence, or may be used in the technical field of financial science, or may be any technical field related to business processing other than the above technical field, and the application fields of the credit card issuing method, apparatus, device and storage medium provided by the present application are not limited herein.

Fig. 1 is an application scenario of credit card issuing provided in an embodiment of the present application, and as shown in fig. 1, the application scenario may include a client 101 and a credit card issuing end 102. The client 101 may initiate a credit card issuing request, and after receiving the credit card issuing request initiated by the client 101, the credit card issuing end 102 performs a credit card issuing investigation on a client corresponding to the credit card issuing request, and if the investigation result indicates that the client meets the credit card issuing requirement, performs a credit card issuing for the client.

At present, when a credit card issuing terminal performs a credit card issuing investigation on a customer, a salesman logs in a bank credit approval system, so that an application record to be investigated corresponding to the customer is obtained based on a credit card issuing request, and at this time, the application record to be investigated contains application information (namely, reservation information) of the customer. Thereafter, a service person is required to manually verify whether the reservation information of the customer is correct. After the verification is completed, a survey result (audit result) is obtained. Then, it is determined whether to distribute the credit card for the customer based on the result of the audit. In this way, when the credit card issuing investigation task is large, a lot of human resources are consumed, and the efficiency is low.

The application provides a credit card issuing method, which aims to solve the technical problems in the prior art. The embodiment of the application provides a method for solving the problems based on the combination of an automation technology and an intelligent voice technology.

The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Fig. 2 is a flow chart of a credit card issuing method according to an embodiment of the present application, as shown in fig. 2, the method includes:

s201, responding to a credit card issuing request initiated by a user, and acquiring user reservation information.

The credit card issuing request characterizes the request for acquiring the credit card, and the user reservation information indicates user related information pre-stored by the user.

In one example, the user-related information is used to evaluate whether the user meets the credit card issuing requirement, and the user reservation information (i.e., the user-related information) may include: an information name and an information content, the information content corresponding to the information name.

For example, the information name of the user related information may be information such as a user name, an identification card number (or a number such as a passport number for identifying the identification information), a contact address, an address, a native place, a work unit, a job position, etc., and at this time, the information content may be understood as a result under each information name, for example, in the case that the information name is "user name", the information content corresponding to the information name may be "name 1".

In one example, user reservation information corresponding to a user may be obtained from a database in response to a credit card issuer request initiated by the user.

It should be noted that, in the embodiment of the present application, the specific content of the reservation information of the user is not limited, so as to meet the actual needs.

S202, intelligent outbound data is determined based on the user reservation information.

Wherein the intelligent outbound data indicates dialogue content when the intelligent outbound is made.

In one example, the intelligent outbound data may be determined based on the information name included in the user reservation information, and illustratively, the "user name" may be determined as one intelligent outbound data.

In one example, the intelligent outbound data may be determined according to the following three ways.

Mode one: all information names contained in the user reservation information may be determined as intelligent outbound data, or a part of information names may be determined as intelligent outbound data from among the information names contained in the user reservation information. For example, an information name having a relatively high importance degree in the user reservation information may be determined as the intelligent outbound data.

Mode two: the intelligent outbound data may be determined based on other information associated with the user indicated by the user reservation information, e.g., credit information for the user indicated by the user reservation information may be determined as intelligent outbound data, at which time historical consumption data for the user indicated by the user reservation information may be obtained (e.g., the historical consumption data may indicate loan data, repayment data, shopping credit data, etc.), and credit information for the user may be determined based on the historical consumption data, such that the credit information may be determined as intelligent outbound data. As another example, anti-fraud information of the user indicated by the user reservation information may be determined as intelligent outbound data, e.g., the frequency and number of opening cards of the user may be obtained to determine the anti-fraud information of the user, thereby determining the anti-fraud information as intelligent outbound data.

Mode three: the information related to the credit card applied by the user indicated by the user reservation information may be determined as intelligent outbound data, for example, bank information of the credit card applied by the user may be determined as intelligent outbound data, and for example, the type of the credit card applied by the user may also be determined as intelligent outbound data, etc.

The content included in the intelligent outbound data is not limited and can be implemented as follows.

S203, intelligent outbound is carried out on the user according to a preset speaking operation template and intelligent outbound data, and an intelligent outbound result is obtained.

The preset conversation template indicates conversation sentences when the user performs conversation.

In one example, the intelligent outbound data may be determined to be a dialogue statement that can be used to speak with the user based on a preset voice template, e.g., "do you, i are XX bank credit card sender investigators, ask you is XXX? "wherein" XX "and" XXX "in the preset voice pattern plate can be determined based on the intelligent outbound data, wherein" XX "represents the bank name of the bank of the credit card applied by the user, and" XXX "represents the user name of the user applying for the credit card.

In one example, the preset talk template may also be used to determine the order of conversational sentences when conversationing with the user, e.g., the preset talk template may determine that the first conversational sentence to talk with the user at the time of an intelligent outbound is "do i, i are XX bank credit card sender investigators asking you are XXX? "determining that the last dialogue statement of dialogue with the user at the time of intelligent outbound is" very thank you for cooperation, hope you for happy life-! ".

In one example, after a user is intelligently outbound based on a preset voice template and intelligent outbound data, an intelligent outbound result may be obtained, at which time the intelligent outbound result indicates that the user is responding to the dialogue statement, e.g., for the dialogue statement "do you, i are a bank credit card sender, ask you are B? "for the intelligent outbound result, it may be the answer information of the user" yes "," yes, i am B "or" not, i am C ", etc.

S204, under the condition that the intelligent outbound result indicates that the card issuing verification passes, credit card issuing processing is carried out for the user.

In one example, after the intelligent outbound result is obtained, the intelligent outbound result may be compared with the user reservation information, and if it is determined that the intelligent outbound result is consistent with the user reservation information, it indicates that the intelligent outbound result indicates that the card issuing audit passes, and at this time, credit card issuing processing may be performed for the user.

The credit card issuing method provided by the embodiment of the application can respond to the credit card issuing request initiated by the user according to the preset execution script, acquire the user reservation information, and determine the intelligent outbound data based on the user reservation information, so that the intelligent outbound can be performed on the user according to the preset speaking template and the intelligent outbound data to obtain an intelligent outbound result. At this time, whether the credit card issuing verification for the user passes or not can be determined according to the intelligent outbound result, and the credit card issuing process is performed for the user under the condition that the verification passes is determined. The method automatically completes the flow of credit card issuing investigation through executing the script, and carries out credit card issuing for the user according to the obtained investigation result, thereby not only relieving the working pressure of business personnel, but also standardizing the flow of credit card issuing investigation and intelligent outbound data, avoiding investigation omission and leading the credit card issuing method to be more intelligent and efficient.

Fig. 3 is a flow chart of another credit card issuing method according to an embodiment of the present application, as shown in fig. 3, the method includes:

s301, acquiring preset execution time requirements.

In one example, after detecting a credit card issuing request initiated by a user, the credit card issuing request may be cached in a credit card issuing request queue, so that the credit card issuing request in the credit card issuing request queue may be sequentially processed according to a preset execution time requirement based on the credit card issuing method provided by the embodiment of the present application.

In one example, the execution time requirement may indicate a start execution time of processing a credit card issuing request initiated by a user by implementing the credit card issuing method provided by the embodiment of the present application, specifically, a start processing time for processing the credit card issuing request for the first time may be preset, and a processing time interval for processing each credit card issuing request may be set, so that each credit card issuing request may be processed according to the preset processing time interval after the start processing time.

S302, under the condition that the current moment meets the execution time requirement, responding to a credit card issuing request initiated by a user, and acquiring user reservation information.

The credit card issuing request characterizes the request for acquiring the credit card, and the user reservation information indicates user related information pre-stored by the user.

For example, reference may be made to the description of step S201, and detailed description thereof is omitted.

In the above embodiment, the credit card issuing request initiated by the user may be processed at fixed time by the preset execution time requirement, so that the processing time and the processing frequency of the processing of the credit card issuing request may be customized according to the number of the credit card issuing requests initiated by the user, so that the frequency of processing the credit card issuing request may be more matched with the actual requirement.

S303, determining target audit data based on the user reservation information.

The target audit data indicates basic attribute information of the user, credit information of the user and anti-fraud information of the user.

In one example, the basic attribute information of the user may indicate at least part of the user reservation information, for example, the basic attribute information may be address, business, work unit, contact information, etc. of the user, at which time the authenticity and reliability of the user initiating the credit card issuing request may be preliminarily confirmed based on the basic attribute information of the user.

In one example, the credit information of the user may be determined based on the historical consumption data of the user as described in the above step S202, the anti-fraud information of the user may be determined by obtaining the opening frequency and the opening number of the user as described in the above step S202, and the like.

S304, checking the target audit data to obtain a data checking result.

In one example, after the target audit data is determined, the target audit data may be verified, illustratively, by querying whether the address "ABC" is actually present if the target audit data is "user address ABC". At this time, if it is determined that the address "ABC" actually exists, it may be determined that the data check result is "check pass".

For another example, in the case where the target audit data is "the user's work unit 123", the contact manner of the work unit 123 may be queried first, and based on the contact manner, an intelligent outbound may be performed (here, an intelligent outbound may be performed according to a preset session template and the target audit data), so as to query whether the user is an employee of the work unit 123, and in the case where it is determined that the user is an employee of the work unit 123, it may be determined that the data verification result is "verification pass".

S305, under the condition that verification is determined to pass based on the data verification result, intelligent outbound is conducted on the user according to a preset conversation template and intelligent outbound data.

For example, reference may be made to the description of step S203, and detailed description thereof is omitted.

In the embodiment, the target audit data can be determined before the intelligent outbound is performed on the user, and the target audit data is audited, so that the preliminary audit of the user initiating the credit card issuing request is realized, the user initiating the credit card issuing application can be subjected to preliminary screening, the intelligent outbound is performed after the preliminary screening is qualified, and the efficiency and the performance of the credit card issuing method can be further improved.

In one example, when the user makes an intelligent call-out according to the preset call template and the intelligent call-out data, the process described in the following step one may be performed, and the process described in the following step two may also be performed.

Step one, determining the priority order of each outbound sub-data in the intelligent outbound data. Then, a target phone corresponding to each of the outbound sub-data is determined from a preset phone template, and a dialogue sentence is determined based on the target phone and the corresponding outbound sub-data. And finally, performing intelligent outbound on the user based on the priority order and the dialogue sentences to obtain an intelligent outbound result. Wherein the outbound sub-data indicates user related information.

In one example, the outbound sub-data may be determined based on the content corresponding to each information name in the user related information, and the outbound sub-data may be, for example, a "user name", or may be an "identification card number", or may be a "work unit", or the like.

After determining each outbound sub-data, the priority of each outbound sub-data may be determined according to the importance level of each outbound sub-data, for example, when each determined outbound sub-data is the following data: under the condition of 'user name, identity card number, contact way, address, place of penetration, work unit and position', it is assumed that the most important data in each outbound sub-data is 'user name, identity card number and contact way', the most important data is 'address and place of penetration', and the most important data is 'work unit and position', at this time, the priority of 'user name, identity card number and contact way' can be determined to be the highest, and the priority of 'address and place of penetration' is the highest, and the priority of 'work unit and position' is the lowest.

And then, according to the priority order, starting from the highest priority to the lowest priority, performing intelligent outbound on the user to obtain an intelligent outbound result.

According to the embodiment, the intelligent outbound can be performed according to the priority order of the intelligent outbound data, so that the intelligent outbound result corresponding to the intelligent outbound data with higher priority can be ensured to be obtained preferentially, and the phenomenon that important information is not audited due to a dialogue terminal is avoided.

Step two, firstly, intelligent outbound is carried out on the user according to a preset speaking template and intelligent outbound data, and the user dialogue state of the user is obtained. Then, based on the user session state, target outbound data is determined from the intelligent outbound data. And then, based on the target outbound data and a preset conversation template, carrying out conversation with the user to obtain an intelligent outbound result.

In one example, the user dialog state may indicate a duration of the dialog when the user is intelligently outbound, at which point the user dialog state may include at least the following information: the dialogue speech rate, dialogue tone, dialogue sentence, etc. of the current dialogue user. Then, the target outbound data can be determined by identifying and analyzing the user dialogue state of the current dialogue user, and at the moment, the target outbound data determines the dialogue duration of intelligent outbound of the user.

Illustratively, when it is determined that the user's dialogue sentence is "is me inconvenient for now time, can be contacted later" based on the user dialogue state? At this time, when the target outbound data is empty, and the dialogue is performed with the user based on the target outbound data and the preset dialogue template, the dialogue content can be an end sentence, for example, the end sentence can be "good", we can contact again next time, get you happy, and thank you-! ".

In one example, it is assumed that, when it is determined based on the dialogue state of the user that the dialogue speed of the user is faster and the dialogue tone is higher, it may be stated that the user is busy at the current time, at this time, the data meeting the importance degree requirement in the intelligent outbound data may be determined as target outbound data, and a dialogue is performed with the user based on the target outbound data and a preset dialogue template, so as to obtain an intelligent outbound result.

For example, when the dialogue speed of the user is determined to be normal and the dialogue tone is determined to be normal based on the dialogue state of the user, all data in the intelligent outbound data can be determined to be target outbound data, and then the dialogue is performed with the user based on the target outbound data and a preset dialogue template to obtain an intelligent outbound result, so that the comprehensiveness of the obtained intelligent outbound result can be ensured.

According to the embodiment, the conversation duration with the user can be timely adjusted according to the conversation state of the user, so that the intelligent outbound process is more intelligent, the conversation quality with the user is improved, and the conversation experience of the user is improved.

In one example, the process of making an intelligent outbound call to a user, and obtaining an intelligent outbound call result, may be described as steps described in S306-S307 below.

S306, intelligent outbound is carried out on the user according to a preset speaking operation template and the intelligent outbound data, so that target voice data are obtained.

The target voice data indicates a voice reply result of the user aiming at the intelligent outbound data.

S307, data conversion is carried out on the target voice data, and an intelligent outbound result is obtained.

At this time, the intelligent outbound result indicates target voice data in text format. In one example, in the process of performing data conversion on target voice data, the target voice data may be preprocessed, that is, the target voice data may be subjected to de-duplication, screening (for example, removing a connective word, a mood word, etc.), and then the target voice data may be subjected to data conversion to obtain target voice data in a text format. At this time, after semantic analysis is performed on the target voice data in the text format, standardized processing is performed, so as to obtain an intelligent outbound result which accords with the writing standard.

For example, when the dialogue sentence is "please ask your work unit is 123", when the voice reply result of the user is "i'm job, and company 456 is passed", the obtained intelligent outbound result is "no" after the conversion of the target voice data.

In the embodiment, the voice reply result of the user can be converted into the text format, so that the intelligent outbound result can be conveniently checked, and the checking result of the credit card issuing can be accurately determined.

In one example, the intelligent outbound call is ended in the event that it is determined that voice data indicating that the dialog is ended is present based on the target voice data. At this time, under the condition that the intelligent outbound is determined to be not completed based on the target voice data, determining the next intelligent outbound time, wherein the next intelligent outbound time indicates the time for re-carrying out the intelligent outbound on the user.

In one example, the voice data indicating the ending dialog may indicate a sentence containing an ending word, e.g., the ending word may be "next chat", "bye", "no time", etc.

In one example, after the intelligent outbound call is finished, whether the intelligent outbound call is finished may be determined based on voice data replied by the user (i.e., target voice data), for example, if it is determined that reply data for the intelligent outbound call data is included in the target voice data, the intelligent outbound call is finished, and if it is determined that important data (for example, a user name, an identification card number, a contact manner, etc.) in the intelligent outbound call data is not included in the target voice data, the intelligent outbound call is not finished.

In one example, in the event that it is determined that the intelligent outbound is not complete, a next intelligent outbound time is determined to facilitate re-initiating the intelligent outbound to the user at the next intelligent outbound time. The next intelligent outbound time may be a time contained in the reply voice data of the user, or may be a preset next intelligent outbound time.

In the embodiment, after the user initiates the credit card issuing request, under the condition that the user cannot timely conduct credit card issuing investigation, investigation can be automatically postponed, rather than directly stopping the application, the time of the user can be saved, and better credit card issuing experience is provided for the user.

And S308, determining that the intelligent outbound result indicates the pass of the issuing card audit under the condition that the intelligent outbound result is matched with the user reservation information.

In one example, in the case where the intelligent outbound result is the same as the user reservation information, then it may be determined that the intelligent outbound result indicates that the issuer audit is passed.

In another example, in the case that the intelligent outbound result includes the same result as the important information in the user reservation information, it may be determined that the intelligent outbound result indicates that the issuer audit is passed.

In specific implementation, the target reservation information in the user reservation information can be determined first, and then, under the condition that the intelligent outbound result is determined to contain a result meeting the similarity requirement with the target reservation information, the intelligent outbound result is determined to indicate the sending card to pass the audit. The target reservation information indicates information of which the importance degree in the user reservation information meets a preset requirement.

In one example, all information in the user reservation information may be divided according to importance degrees, and the target reservation information in the user reservation information may be determined based on the importance degrees of the user reservation information, for example, when the user reservation information includes: under the conditions of the name, the identification card number (or the number used for identifying the identification information such as a passport number) of the user, the contact way, the address, the native place, the work unit and the position, the importance degree of the name, the identification card number and the contact way of the user can be set to be 1, and the address, the native place, the work unit and the position can be set to be 2. At this time, the information with the importance degree of 1 can be determined from the user reservation information as the target reservation information, and at this time, if the intelligent outbound result includes a result satisfying the similarity requirement with the target reservation information, the issuing card audit is indicated to pass. Wherein satisfying the similarity requirement indicates the same or semantically the same.

In the above embodiment, when the target reservation information in the user reservation information is checked and passed, that is, the intelligent outbound result indicates that the credit card issuing check is passed, so that the investigation of credit card issuing is more flexible, the influence of private reasons (such as changing work and moving home) of the user on the progress of the credit card issuing application is avoided, and the credit card issuing method is more intelligent.

S309, carrying out credit card issuing processing for the user under the condition that the intelligent outbound result indicates that the issuing card passes the audit.

Fig. 4 is a schematic diagram of an architecture of a credit card issuing method according to an embodiment of the present application, and as shown in fig. 4, the architecture of the credit card issuing method of the present application mainly includes three parts, a data acquisition module 401, an intelligent outbound module 402, and a data auditing module 403.

The data obtaining module 401 is configured to obtain user reservation information in response to a credit card issuing request initiated by a user, and determine intelligent outbound data based on the user reservation information. The method specifically comprises the steps of starting an execution task corresponding to the credit card issuing, logging in a credit card issuing system, and acquiring reservation information of a user to generate intelligent outbound data/target audit data. At this time, a credit card issue investigation information table may also be generated based on the smart outbound data.

The intelligent outbound module 402 is configured to make an outbound call according to a preset phone operation template and a credit card issuing investigation information table, so as to determine accuracy of the user reservation information and reserve an intelligent outbound call result.

The intelligent outbound module 402 may include:

the dialing submodule 4021 is configured to obtain a phone number (in this case, the default contact mode is phone call) in the user reservation information, and dial the phone call.

The voice generation submodule 4022 is used for identifying specific content in the intelligent outbound data so as to generate dialogue sentences according to a preset conversation template and conduct dialogue with a user.

The speech understanding sub-module 4023 is configured to recognize the voice reply data of the user, and convert the voice reply data into text for understanding, recording, or replying.

The dialogue management submodule 4024 is configured to manage a dialogue with a user, for example, to select a corresponding dialogue from a preset dialogue template, and generate a dialogue sentence.

The data auditing module 403 is configured to backfill the intelligent outbound result into a credit card issuing questionnaire, determine an auditing result based on information in the credit card issuing questionnaire according to a preset auditing rule, and perform credit card issuing processing on a user under the condition that the auditing is passed, so as to realize closed loop of credit card issuing investigation business.

In one example, in determining the audit result based on information in the credit card issue questionnaire, the reliability of the audit result may be divided into: the "basic reliability", "part reliability", "unreliable", etc., at this time, the pass of the audit can be determined under the condition that the reliability of the audit result is "basic reliability", or the pass of the audit can be determined under the condition that the reliability of the audit result is "basic reliability" and "part reliability".

In one example, the credit card issuing method provided by the application can be applied to a credit card issuing system.

Fig. 5 is a schematic structural diagram of a credit card issuing system according to an embodiment of the present application, and as shown in fig. 5, the credit card issuing system includes: an execution script unit 501, an execution flow unit 502, and an execution task unit 503.

The script unit 501 is configured to execute a script for designing a credit card issuing method, for example, by editing the script, and simulate a process that a salesman performs credit card issuing, so as to replace manual operation of the salesman. For example, operations such as mouse clicking, keyboard input, copy-paste, query, etc., may be implemented through scripting. Wherein, a plurality of scripts can be designed in the execution script unit 501 for executing different operations.

The execution flow unit 502 is configured to connect the scripts designed by the execution script unit 501 to form an execution flow of the credit card issuing method.

The execution task unit 503 is configured to execute execution tasks of the flow included in the execution flow unit 502, for example, the execution task unit 503 may be configured to execute execution time of the execution tasks of the flow included in the execution flow unit 502.

Fig. 6 is a flowchart of an implementation of a credit card issuing method according to an embodiment of the present application, as shown in fig. 6, after detecting a credit card issuing request initiated by a user, an execution task may be started according to a preset execution time requirement.

At this time, the credit card issuing system (or credit approval system) may be logged in, and the user reservation information is acquired, so that the target audit data is determined first based on the user reservation information, so as to audit the target audit data. Specifically, the basic attribute information of the user can be queried, then the credit information of the user is queried, and finally the anti-fraud information of the user is queried.

After the verification of the target audit data is passed, the intelligent outbound data can be determined based on the user reservation information, so that the intelligent outbound is carried out on the user according to a preset speaking template and the intelligent outbound data, and an intelligent outbound result is obtained. And then, auditing the reserved information of the user based on the intelligent outbound result, and carrying out credit card issuing processing for the user under the condition that the auditing is passed.

Fig. 7 is a schematic structural diagram of a credit card issuing device according to an embodiment of the present application, and as shown in fig. 7, the credit card issuing device 700 includes:

an obtaining unit 701, configured to obtain user reservation information in response to a credit card issuing request initiated by a user; the credit card issuing request characterizes the request for acquiring the credit card, and the user reservation information indicates user related information pre-stored by the user.

A determining unit 702, configured to determine intelligent outbound data based on the user reservation information; wherein the intelligent outbound data indicates dialogue content when the intelligent outbound is made.

An intelligent outbound unit 703, configured to perform an intelligent outbound for the user according to a preset voice operation template and intelligent outbound data, so as to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user performs conversation.

And the card issuing unit 704 is configured to perform credit card issuing processing for the user if the intelligent outbound result indicates that the card issuing audit is passed.

Fig. 8 is a schematic structural diagram of another credit card issuing device according to an embodiment of the present application, and as shown in fig. 8, the credit card issuing device 800 includes:

an obtaining unit 801, configured to obtain user reservation information in response to a credit card issuing request initiated by a user; the credit card issuing request characterizes the request for acquiring the credit card, and the user reservation information indicates user related information pre-stored by the user.

A determining unit 802, configured to determine intelligent outbound data based on the user reservation information; wherein the intelligent outbound data indicates dialogue content when the intelligent outbound is made.

The intelligent outbound unit 803 is configured to perform intelligent outbound on the user according to a preset voice operation template and intelligent outbound data, so as to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user performs conversation.

And the card issuing unit 804 is configured to perform credit card issuing processing for the user when the intelligent outbound result indicates that the card issuing audit passes.

In one example, the intelligent outbound unit 803 is configured to:

determining the priority order of each outbound sub-data in the intelligent outbound data; the outbound sub-data indicating user-related information;

determining a target phone corresponding to each outbound sub-data from a preset phone template, and determining dialogue sentences based on the target phone and the corresponding outbound sub-data;

and carrying out intelligent outbound on the user based on the priority order and the dialogue sentences to obtain an intelligent outbound result.

In one example, the intelligent outbound unit 803 is configured to:

according to a preset speaking template and intelligent outbound data, intelligent outbound is carried out on a user, and a user dialogue state of the user is obtained; the user dialogue state indicates dialogue duration when intelligent outbound is performed on the user;

Determining target outbound data from the intelligent outbound data based on the user dialogue state;

and carrying out dialogue with the user based on the target outbound data and a preset conversation template to obtain an intelligent outbound result.

In one example, the intelligent outbound unit 803 is configured to:

according to a preset speaking template and intelligent outbound data, intelligent outbound is carried out on the user to obtain target voice data; the target voice data indicates a voice reply result of the user aiming at the intelligent outbound data;

performing data conversion on the target voice data to obtain an intelligent outbound result; wherein the intelligent outbound result indicates target voice data in text format.

In one example, the apparatus is further to:

ending the intelligent outbound when the voice data indicating to end the dialogue is determined to exist based on the target voice data, and determining the next intelligent outbound time when the intelligent outbound is determined to be not completed based on the target voice data; wherein the next intelligent outbound time indicates the time to re-make the intelligent outbound to the user.

In one example, the apparatus is further to:

before intelligent outbound is carried out on a user according to a preset speaking template and intelligent outbound data, determining target audit data based on user reservation information; the target audit data indicates basic attribute information of the user, credit information of the user and anti-fraud information of the user;

Verifying the target audit data to obtain a data verification result;

and under the condition that verification is determined to pass based on the data verification result, carrying out intelligent outbound on the user according to a preset speaking template and intelligent outbound data.

In one example, the card issuing unit 804 is configured to:

and under the condition that the intelligent outbound result is matched with the user reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

In one example, the card issuing unit 804 is configured to:

determining target reservation information in the user reservation information; the target reservation information indicates information of which the importance degree in the user reservation information meets preset requirements;

and under the condition that the intelligent outbound result is determined to contain a result meeting the similarity requirement with the target reservation information, determining that the intelligent outbound result indicates the pass of the issuing card audit.

In one example, the apparatus further comprises:

the task starting unit 805 is configured to obtain a preset execution time requirement, and in case that it is determined that the current time meets the execution time requirement, obtain the user reservation information in response to a credit card issuing request initiated by the user.

Fig. 9 is a schematic structural diagram of a computer device according to an embodiment of the present application, and as shown in fig. 9, a computer device 900 includes: memory 901, processor 902.

A memory 901; a memory for storing instructions executable by the processor 902.

Wherein the processor 902 is configured to perform the method as provided by the above embodiments.

The computer device further comprises a receiver 903 and a transmitter 904. The receiver 903 is configured to receive instructions and data transmitted from an external device, and the transmitter 904 is configured to transmit instructions and data to the external device.

It should be noted that, for simplicity of description, the foregoing method embodiments are all described as a series of acts, but it should be understood by those skilled in the art that the present application is not limited by the order of acts described, as some steps may be performed in other orders or concurrently in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are alternative embodiments, and that the acts and modules referred to are not necessarily required for the present application.

It should be further noted that, although the steps in the flowchart are sequentially shown as indicated by arrows, the steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least a portion of the steps in the flowcharts may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order in which the sub-steps or stages are performed is not necessarily sequential, and may be performed in turn or alternately with at least a portion of the sub-steps or stages of other steps or other steps.

It will be appreciated that the device embodiments described above are merely illustrative and that the device of the application may be implemented in other ways. For example, the division of the units/modules in the above embodiments is merely a logic function division, and there may be another division manner in actual implementation. For example, multiple units, modules, or components may be combined, or may be integrated into another system, or some features may be omitted or not performed.

In addition, each functional unit/module in each embodiment of the present application may be integrated into one unit/module, or each unit/module may exist alone physically, or two or more units/modules may be integrated together, unless otherwise specified. The integrated units/modules described above may be implemented either in hardware or in software program modules.

The integrated units/modules, if implemented in hardware, may be digital circuits, analog circuits, etc. Physical implementations of hardware structures include, but are not limited to, transistors, memristors, and the like. The processor may be any suitable hardware processor, such as CPU, GPU, FPGA, DSP and ASIC, etc., unless otherwise specified. Unless otherwise indicated, the storage elements may be any suitable magnetic or magneto-optical storage medium, such as resistive Random Access Memory RRAM (Resistive Random Access Memory), dynamic Random Access Memory DRAM (Dynamic Random Access Memory), static Random Access Memory SRAM (Static Random-Access Memory), enhanced dynamic Random Access Memory EDRAM (Enhanced Dynamic Random Access Memory), high-Bandwidth Memory HBM (High-Bandwidth Memory), hybrid Memory cube HMC (Hybrid Memory Cube), etc.

The integrated units/modules may be stored in a computer readable memory if implemented in the form of software program modules and sold or used as a stand-alone product. Based on this understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art or in whole or in part in the form of a software product stored in a memory, comprising several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method of the various embodiments of the present application. And the aforementioned memory includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments. The technical features of the foregoing embodiments may be arbitrarily combined, and for brevity, all of the possible combinations of the technical features of the foregoing embodiments are not described, however, all of the combinations of the technical features should be considered as being within the scope of the disclosure.

The embodiment of the application also provides a computer readable storage medium, wherein computer executable instructions are stored on the computer readable storage medium, and the computer executable instructions execute the steps of the credit card issuing method in the embodiment of the method when being executed by a processor. Wherein the storage medium may be a volatile or nonvolatile computer readable storage medium.

The embodiment of the present application further provides a computer program product, where the computer program product carries computer execution instructions, and the instructions included in the computer execution instructions may be used to execute the steps of the credit card issuing method in the above method embodiment, and specifically, reference may be made to the above method embodiment, which is not described herein.

Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (12)

1. A method of issuing a credit card, comprising:

responding to a credit card issuing request initiated by a user, and acquiring user reservation information; the credit card issuing request characterizes the request for obtaining the credit card, and the user reservation information indicates user related information pre-stored by the user;

determining intelligent outbound data based on the user reservation information; the intelligent outbound data indicates dialogue content when intelligent outbound is performed;

performing intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user carries out conversation;

and under the condition that the intelligent outbound result indicates that the card issuing verification passes, credit card issuing processing is carried out for the user.

2. The method of claim 1, wherein the performing the intelligent outbound for the user according to the preset voice template and the intelligent outbound data to obtain an intelligent outbound result comprises:

Determining the priority order of each outbound sub-data in the intelligent outbound data; the outbound sub-data indicating the user-related information;

determining a target conversation corresponding to each outbound sub-data from the preset conversation template, and determining a dialogue sentence based on the target conversation and the corresponding outbound sub-data;

and carrying out intelligent outbound on the user based on the priority order and the dialogue statement to obtain an intelligent outbound result.

3. The method of claim 1, wherein the performing the intelligent outbound for the user according to the preset voice template and the intelligent outbound data to obtain an intelligent outbound result comprises:

performing intelligent outbound on the user according to a preset conversation template and the intelligent outbound data, and acquiring a user dialogue state of the user; the user dialogue state indicates dialogue duration when intelligent outbound is performed on the user;

determining target outbound data from the intelligent outbound data based on the user dialogue state;

and carrying out dialogue with the user based on the target outbound data and the preset conversation template to obtain the intelligent outbound result.

4. The method of claim 1, wherein the performing the intelligent outbound for the user according to the preset voice template and the intelligent outbound data to obtain an intelligent outbound result comprises:

performing intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain target voice data; the target voice data indicates a voice reply result of the user aiming at the intelligent outbound data;

performing data conversion on the target voice data to obtain the intelligent outbound result; wherein the intelligent outbound result indicates the target voice data in text format.

5. The method according to claim 4, wherein the method further comprises:

ending the intelligent outbound when the voice data indicating the ending of the dialogue is determined to exist based on the target voice data, and determining the next intelligent outbound time when the intelligent outbound is determined to be not finished based on the target voice data; wherein the next intelligent outbound time indicates a time to re-make an intelligent outbound to the user.

6. The method of claim 1, wherein prior to intelligent outbound of the user according to a preset voice template and the intelligent outbound data, the method further comprises:

Determining target audit data based on the user reservation information; the target audit data indicates basic attribute information of the user, credit information of the user and anti-fraud information of the user;

checking the target audit data to obtain a data check result;

and under the condition that verification is determined to pass based on the data verification result, carrying out intelligent outbound on the user according to a preset speaking operation template and the intelligent outbound data.

7. The method of claim 1, wherein the intelligent outbound result indicates that the outbound card audit is passed, comprising:

and under the condition that the intelligent outbound result is matched with the user reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

8. The method of claim 7, wherein the determining that the intelligent outbound result indicates that the issuer audit is passed if the intelligent outbound result matches the user reservation information comprises:

determining target reservation information in the user reservation information; the target reservation information indicates information, in the user reservation information, of which the importance degree meets a preset requirement;

And under the condition that the intelligent outbound result is determined to contain a result meeting the similarity requirement with the target reservation information, determining that the intelligent outbound result indicates that the issuing card passes the audit.

9. The method according to any one of claims 1-8, further comprising:

acquiring preset execution time requirements, and under the condition that the current moment meets the execution time requirements, responding to a credit card issuing request initiated by a user to acquire user reservation information.

10. A credit card dispensing device, comprising:

the acquisition unit is used for responding to a credit card issuing request initiated by a user and acquiring the reservation information of the user; the credit card issuing request characterizes the request for obtaining the credit card, and the user reservation information indicates user related information pre-stored by the user;

a determining unit, configured to determine intelligent outbound data based on the user reservation information; the intelligent outbound data indicates dialogue content when intelligent outbound is performed;

the intelligent outbound unit is used for carrying out intelligent outbound on the user according to a preset speaking template and the intelligent outbound data to obtain an intelligent outbound result; the preset conversation template indicates conversation sentences when the user carries out conversation;

And the card issuing unit is used for performing credit card issuing processing on the user under the condition that the intelligent outbound result indicates that the card issuing verification passes.

11. A computer device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 9.

12. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 9.