CN114943606A - Bank outlet business processing method and device - Google Patents
Bank outlet business processing method and deviceDownload PDFInfo
- Publication number
- CN114943606A CN114943606ACN202210615978.3ACN202210615978ACN114943606ACN 114943606 ACN114943606 ACN 114943606ACN 202210615978 ACN202210615978 ACN 202210615978ACN 114943606 ACN114943606 ACN 114943606A
- Authority
- CN
- China
- Prior art keywords
- account
- category
- business
- customer
- account category
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及金融技术领域，尤其涉及一种银行网点业务处理方法及装置。The present invention relates to the field of financial technology, and in particular, to a method and device for processing a business of a bank outlet.
背景技术Background technique
目前银行的所有客户交易处理和身份认证都是在银行服务器，当客户数比较大，尤其在交易高峰期，就会导致客户的等待时间比较长，银行服务器的系统压力也比较大，因此，目前需要一种银行网点业务处理的方法，以减少客户的等待时间，以及银行服务器的系统压力。At present, all customer transaction processing and identity authentication of the bank are carried out on the bank server. When the number of customers is relatively large, especially in the peak transaction period, the waiting time of customers will be relatively long, and the system pressure of the bank server will also be relatively large. Therefore, at present, There is a need for a method of banking branch business processing that reduces customer waiting time and system stress on bank servers.
发明内容SUMMARY OF THE INVENTION
本发明实施例提出一种银行网点业务处理方法，用以在对客户进行业务处理时降低风险，该方法包括：The embodiment of the present invention proposes a business processing method for a bank outlet, which is used to reduce risks when performing business processing on customers, and the method includes:
获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；Obtain business data of the account of the bank outlet, classify the account based on the business data, and obtain multiple account categories;
对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；For each account category, according to the business data of the account category, determine the business risk coefficient corresponding to the account category and the corresponding business frequency;
依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；Determine the first account category among the multiple account categories according to the business risk factor and business frequency;
对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；For each bank outlet, determine the first customer category corresponding to the bank outlet according to the first account category of the customer of the bank outlet;
当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；When the number of queuing customers at the bank branch is greater than the specified threshold, send a request to the bank server to obtain the customer information of the first customer category of the bank branch among the queuing customers, and receive the first customer type of the bank branch fed back by the bank server ;
在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。When the bank branch receives the customer's business request, it is determined whether the customer is the first customer category. If so, the customer's business request is processed based on the customer's customer information stored in the bank branch. Otherwise, the customer is sent to the bank server. and receive the business processing results fed back by the bank server.
本发明实施例提出一种银行网点业务处理装置，用以在对客户进行业务处理时降低风险，该装置包括：An embodiment of the present invention provides a business processing device for a bank outlet, which is used to reduce risks when performing business processing on customers, and the device includes:
账户分类模块，用于获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；The account classification module is used to obtain the business data of the account of the bank outlet, classify the account based on the business data, and obtain a plurality of account categories;
业务分析模块，用于对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；The business analysis module is used for, for each account category, to determine the business risk coefficient corresponding to the account category and the corresponding business frequency according to the business data of the account category;
第一账户类别确定模块，用于依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；a first account category determination module, configured to determine the first account category among the multiple account categories according to the business risk coefficient and business frequency;
第一客户类别确定模块，用于对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；a first customer category determination module, configured to, for each bank outlet, determine the first customer category corresponding to the bank outlet according to the first account category of the customer of the bank outlet;
请求分析模块，用于当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；The request analysis module is configured to send a request to the bank server to obtain the customer information of the first customer category of the bank branch among the queued customers when the number of queuing customers in the bank branch is greater than a specified threshold, and receive the bank server feedback from the bank the first customer category of the outlet;
业务请求处理模块，用于在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。The business request processing module is used to judge whether the customer is the first customer category when the bank outlet receives the customer's business request, and if so, process the customer's business request based on the customer's customer information stored in the bank outlet, otherwise , send the customer's business request to the bank server, and receive the business processing result fed back by the bank server.
本发明实施例还提供一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述银行网点业务处理方法。An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above-mentioned method for processing bank outlet business when the processor executes the computer program.
本发明实施例还提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机程序，所述计算机程序被处理器执行时实现上述银行网点业务处理方法。An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, implements the above-mentioned method for processing a bank outlet business.
本发明实施例还提供一种计算机程序产品，所述计算机程序产品包括计算机程序，所述计算机程序被处理器执行时实现上述银行网点业务处理方法。An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned method for processing a bank outlet business is implemented.
在本发明实施例中，获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。在上述过程中，可以通过分析账户的业务数据，确定第一账户类别，进而确定第一客户类别，从而在进行业务请求处理时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果，达到精确处理业务请求的目的。In the embodiment of the present invention, the business data of the account of the bank outlet is obtained, the accounts are classified based on the business data, and multiple account categories are obtained; for each account category, the account category is determined according to the business data of the account category. The corresponding business risk coefficient and the corresponding business frequency; according to the business risk coefficient and business frequency, determine the first account category among the multiple account categories; for each bank outlet, according to the first account category of the customer of the bank outlet, Determine the first customer category corresponding to the bank outlet; when the number of queuing customers at the bank outlet is greater than the specified threshold, send a request to the bank server to obtain the customer information of the first customer category of the bank outlet among the queuing customers, and receive the bank The first customer category of the bank outlet fed back by the server; when the bank outlet receives the customer's business request, it is determined whether the customer is the first customer category, and if so, the customer is processed based on the customer's customer information stored in the bank outlet. Otherwise, send the customer's business request to the bank server, and receive the business processing result fed back by the bank server. In the above process, the first account category and then the first customer category can be determined by analyzing the business data of the account, so as to determine whether the customer is the first customer category when processing the business request, and if so, based on the bank outlet Store the customer's customer information, process the customer's business request, otherwise, send the customer's business request to the bank server, and receive the business processing result fed back by the bank server to achieve the purpose of accurately processing the business request.
附图说明Description of drawings
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。在附图中：In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts. In the attached image:
图1为本发明实施例中银行网点业务处理方法的流程图一；FIG. 1 is a flowchart 1 of a business processing method for a bank outlet in an embodiment of the present invention;
图2为本发明实施例中账户进行分类的流程图；FIG. 2 is a flowchart of account classification in an embodiment of the present invention;
图3为本发明实施例中进行业务分析的流程图；FIG. 3 is a flowchart of business analysis in an embodiment of the present invention;
图4为本发明实施例中确定多个账户类别中的第一账户类别的流程图；4 is a flowchart of determining a first account category among multiple account categories in an embodiment of the present invention;
图5为本发明实施例中选取第一账户类别的流程图；5 is a flowchart of selecting a first account category in an embodiment of the present invention;
图6为本发明实施例中确定银行网点对应的第一客户类别的流程图；6 is a flowchart of determining a first customer category corresponding to a bank outlet in an embodiment of the present invention;
图7为本发明实施例中银行网点业务处理方法的流程图二；FIG. 7 is a second flowchart of a business processing method for a bank outlet in an embodiment of the present invention;
图8为本发明实施例中银行网点业务处理装置的示意图一；FIG. 8 is a schematic diagram 1 of a business processing device at a bank outlet in an embodiment of the present invention;
图9为本发明实施例中银行网点业务处理装置的示意图二。FIG. 9 is a second schematic diagram of a business processing apparatus in a bank outlet in an embodiment of the present invention.
具体实施方式Detailed ways
为使本发明实施例的目的、技术方案和优点更加清楚明白，下面结合附图对本发明实施例做进一步详细说明。在此，本发明的示意性实施例及其说明用于解释本发明，但并不作为对本发明的限定。In order to make the purposes, technical solutions and advantages of the embodiments of the present invention more clearly understood, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.
在本说明书的描述中，所使用的“包含”、“包括”、“具有”、“含有”等，均为开放性的用语，即意指包含但不限于。参考术语“一个实施例”、“一个具体实施例”、“一些实施例”、“例如”等的描述意指结合该实施例或示例描述的具体特征、结构或者特点包含于本申请的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不一定指的是相同的实施例或示例。而且，描述的具体特征、结构或者特点可以在任何的一个或多个实施例或示例中以合适的方式结合。各实施例中涉及的步骤顺序用于示意性说明本申请的实施，其中的步骤顺序不作限定，可根据需要作适当调整。In the description of this specification, the use of "comprising", "including", "having", "containing" and the like are all open-ended terms, that is, meaning including but not limited to. Description with reference to the terms "one embodiment", "one particular embodiment", "some embodiments", "for example" etc. means that a particular feature, structure or characteristic described in connection with the embodiment or example is included in at least one of the present application examples or examples. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the sequence of steps is not limited and can be appropriately adjusted as required.
图1为本发明实施例中银行网点业务处理方法的流程图一，如图1所示，包括：Fig. 1 is a flow chart 1 of a business processing method of a bank outlet in an embodiment of the present invention, as shown in Fig. 1 , including:
步骤101，获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；
步骤102，对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；
步骤103，依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；
步骤104，对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；
步骤105，当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；Step 105: When the number of queuing customers at the bank outlet is greater than the specified threshold, send a request to the bank server to obtain the customer information of the first customer category of the bank outlet among the queuing customers, and receive the bank outlet's feedback from the bank server. a category of customers;
步骤106，在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。
具体地，客户信息是用来支持银行网点办理客户的业务，比如预存的人脸图像，人脸匹配阈值，以及各种客户标识。Specifically, customer information is used to support bank outlets in handling customer services, such as pre-stored face images, face matching thresholds, and various customer identifiers.
图2为本发明实施例中账户进行分类的流程图，在一实施例中，获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别，包括：2 is a flow chart of classifying accounts in an embodiment of the present invention. In one embodiment, business data of an account at a bank outlet is obtained, the account is classified based on the business data, and multiple account categories are obtained, including:
步骤201，对于每一个账号，将该账户的历史业务数据中每个业务对应的业务量作为该账户对应该业务的业务量；
步骤202，对于每一个业务，确定该业务的函数，其中，该函数的自变量是任何两个账号，对应的函数值是该两个账号对应该业务的业务量的差；
步骤203，依据各个业务的函数，确定账户的距离函数；
步骤204，根据账户的距离函数，对银行的账户进行分类，获得多个账户类别。
在一实施例中，依据各个业务的函数，确定账户的距离函数，包括：In one embodiment, the distance function of the account is determined according to the function of each service, including:
将账户的距离函数确定为各个业务的函数的平方和的平方根。The distance function of the account is determined as the square root of the sum of squares of the functions of the respective businesses.
在一实施例中，根据账户的距离函数，对银行的账户进行分类，获得多个账户类别，包括：In one embodiment, according to the distance function of the accounts, the bank accounts are classified to obtain a plurality of account categories, including:
依据账户的距离函数，选择聚类算法对银行的账户进行聚类，获得多个账户类别；According to the distance function of the accounts, a clustering algorithm is selected to cluster the bank accounts to obtain multiple account categories;
确定获得的每一账户类别的每一账户的风险等级；determine the risk level obtained for each account of each account category;
对于获得的每一账户类别，确定该账户类别中各个风险等级对应的账户数占比的最大值；For each obtained account category, determine the maximum value of the proportion of accounts corresponding to each risk level in the account category;
循环执行如下步骤，直到所有的账户类别中各个风险等级对应的账户数占比的最大值大于一致阈值：Repeat the following steps until the maximum proportion of accounts corresponding to each risk level in all account categories is greater than the consistent threshold:
从所有的账户类别中选取一账户类别s，其中该账户类别s中各个风险等级对应的账户数占比都小于等于一致阈值；Select an account category s from all account categories, wherein the proportion of accounts corresponding to each risk level in the account category s is less than or equal to the consistent threshold;
依据账户的距离函数，选择聚类算法对选取的账户类别s的所有账户进行聚类，用获得的多个新的账户类别取代选取的账户类别s；According to the distance function of the accounts, select a clustering algorithm to cluster all the accounts of the selected account category s, and replace the selected account category s with multiple new account categories obtained;
对于获得的每一新的账户类别，确定该新的账户类别中各个风险等级对应的账户数占比的最大值。For each new account category obtained, determine the maximum value of the proportion of accounts corresponding to each risk level in the new account category.
图3为本发明实施例中进行业务分析的流程图，在一实施例中，对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率，包括：FIG. 3 is a flowchart of business analysis in an embodiment of the present invention. In an embodiment, for each account category, according to the business data of the account category, the business risk coefficient corresponding to the account category and the corresponding business frequency are determined. ,include:
步骤301，将该账户类别的业务数据对应的时间范围作为第一时间范围；
步骤302，对于第一时间范围内的每一单位时间(比如一天，或者一周)，将该账户类别的业务数据中该单位时间对应的业务数据作为该账户类别的样本业务数据；
步骤303，将该账户类别的每个样本业务数据包含的业务中涉及风险的业务的数量占比作为该账户类别对应的业务风险系数样本，以及将该账户类别的每个样本业务数据包含的业务量作为该账户类别对应的业务频率样本；
步骤304，依据该账户类别对应的业务风险系数样本，确定该账户类别对应的业务风险系数，以及依据该账户类别对应的业务频率样本，确定该账户类别对应的业务频率。Step 304: Determine the business risk coefficient corresponding to the account category according to the business risk coefficient sample corresponding to the account category, and determine the business frequency corresponding to the account category according to the business frequency sample corresponding to the account category.
说明：对于不同的账户类别，单位时间的选择都是一样的，这样才有可比性。Note: For different account types, the selection of unit time is the same, so that there is comparability.
图4为本发明实施例中确定多个账户类别中的第一账户类别的流程图，在一实施例中，依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别，包括：4 is a flowchart of determining a first account category among multiple account categories in an embodiment of the present invention. In one embodiment, the first account category among the multiple account categories is determined according to a business risk coefficient and a business frequency, including :
步骤401，依据业务风险系数和业务频率，确定账户类别的偏序，其中，对于多个账户类别中的任何两个账户类别，当该两个账户类别中的第一账户类别对应的业务风险系数小于等于该两个账户类别中的第二账户类别对应的业务风险系数，且第一账户类别对应的业务频率大于等于第二账户类别对应的业务频率，则确定第一账户类别优于第二账户类别；Step 401: Determine the partial order of the account categories according to the business risk coefficient and the business frequency, wherein, for any two account categories in the multiple account categories, when the business risk coefficient corresponding to the first account category in the two account categories is is less than or equal to the business risk coefficient corresponding to the second account category among the two account categories, and the business frequency corresponding to the first account category is greater than or equal to the business frequency corresponding to the second account category, then it is determined that the first account category is superior to the second account category category;
步骤402，依据账户类别的偏序，从多个账户类别中选取出第一账户类别。
具体的，相比于在银行服务器，银行网点直接处理客户的交易及身份认证是存在较大的风险。通过偏序选择的第一账户类别的业务风险系数比较小，这样可以减小银行网点处理交易及身份认证的风险。而选择业务频率相对比较大的客户作为第一账户类别，可以减小客户的等待时间。Specifically, compared with the bank server, there is a greater risk in the direct processing of customer transactions and identity authentication by the bank outlet. The business risk coefficient of the first account category selected through the partial order is relatively small, which can reduce the risk of bank outlets processing transactions and identity authentication. However, selecting a customer with relatively high business frequency as the first account category can reduce the waiting time of the customer.
图5为本发明实施例中选取第一账户类别的流程图，在一实施例中，依据账户类别的偏序，从多个账户类别中选取出第一账户类别，包括：5 is a flowchart of selecting a first account category in an embodiment of the present invention. In one embodiment, according to the partial order of the account categories, the first account category is selected from a plurality of account categories, including:
步骤501，将多个账户类别中的每个账户类别对应的偏序极大标识初始化为待定，以及每个账户类别对应的比较布尔值初始化为是；
步骤502，依据对应的业务风险系数从小到大的顺序依次将账户类别添加到账户类别队列中；
步骤503，循环执行以下步骤，直到账户类别队列为空：
S1：从队列中取出队首账户类别a；S1: Take out the team head account category a from the queue;
S2：如果队首账户类别a对应的偏序极大标识不是待定，则继续执行步骤S1，如果队首账户类别a对应的偏序极大标识是待定，则顺序执行步骤S3至步骤S4：S2: If the partial order maximal identifier corresponding to the team head account category a is not to be determined, then continue to execute step S1, if the partial order maximal identifier corresponding to the team head account category a is to be determined, then sequentially execute steps S3 to S4:
S3：依据账户类别的偏序，依次将对应的比较布尔值为是的所有账户类别中除队首账户类别a之外的每一账户类别b与队首账户类别a进行比较；如果账户类别b优于队首账户类别a，则将账户类别a对应的偏序极大标识设置为否，之后继续执行步骤S1；如果队首账户类别a优于账户类别b，则将账户类别b对应的偏序极大标识设置为否，并将该账户类别b作为队首账户类别a的次账户类别；如果队首账户类别a不优于账户类别b并且账户类别b不优于队首账户类别a，则队首账户类别a与账户类别b对应的偏序极大标识保持不变；S3: According to the partial order of the account categories, compare each account category b except the team leader account category a with the team leader account category a in all account categories for which the corresponding comparison Boolean value is yes; if the account category b If it is better than the account category a of the team leader, set the partial order maximum flag corresponding to the account category a to No, and then continue to perform step S1; if the team leader account category a is better than the account category b, set the partial order corresponding to the account category b. The sequence maximum flag is set to No, and the account category b is used as the secondary account category of the team leader account category a; if the team leader account category a is not better than the account category b and the account category b is not better than the team leader account category a, Then the partial-order maximal identifiers corresponding to account category a and account category b of the team leader remain unchanged;
S4：如果确认对应的比较布尔值为是的所有账户类别中除队首账户类别a之外的每一账户类别都不优于队首账户类别a，则将队首账户类别a确定为第一账户类别，并且将队首账户类别a的每个次账户类别的比较布尔值更新为否。S4: If it is confirmed that the corresponding comparison Boolean value of all account categories except the team leader account category a is not better than the team leader account category a, then the team leader account category a is determined as the first account category, and update the comparison boolean value of each sub-account category of the team leader account category a to no.
在一实施例中，依据该账户类别对应的业务风险系数样本，确定该账户类别对应的业务风险系数，以及依据该账户类别对应的业务频率样本，确定该账户类别对应的业务频率，包括：In one embodiment, the business risk coefficient corresponding to the account category is determined according to the business risk coefficient sample corresponding to the account category, and the business frequency corresponding to the account category is determined according to the business frequency sample corresponding to the account category, including:
设置能够接受的业务风险误差阈值α，以及业务频率误差阈值β；Set the acceptable business risk error threshold α, and the business frequency error threshold β;
基于该账户类别对应的业务风险系数样本，确定该账户类别对应的业务风险系数的方差θ及系数样本数m，以及基于该账户类别对应的业务频率样本，确定该账户类别对应的业务频率的方差
设置能够接受的第一收敛概率p1，以及第二收敛概率p2，其中，第一收敛概率表示业务风险误差大于α的概率，第二收敛概率表示业务频率误差大于β的概率；Setting an acceptable first convergence probability p1 and a second convergence probability p2 , where the first convergence probability represents the probability that the service risk error is greater than α, and the second convergence probability represents the probability that the service frequency error is greater than β;
如果
获取该账户类别的新的业务数据，其中，该新的业务数据和之前获得的该账户类别的业务数据在时间范围上无重合；Acquiring new business data of the account category, wherein the new business data and the business data of the account category obtained before have no overlap in the time range;
对于该账户类别的新的业务数据对应的时间范围内的每一单位时间(比如一天，或者一周)，将该账户类别的新的业务数据中该单位时间对应的业务数据作为该账户类别的样本业务数据；For each unit of time (such as a day or a week) in the time range corresponding to the new business data of the account category, the business data corresponding to the unit time in the new business data of the account category is taken as the sample of the account category business data;
将该账户类别的每个样本业务数据包含的业务中涉及风险的业务的数量占比作为该账户类别对应的业务风险系数样本，以及将该账户类别的每个样本业务数据包含的业务量作为该账户类别对应的业务频率样本；The proportion of the number of businesses involving risks in the business included in each sample business data of the account category is taken as the sample of the business risk coefficient corresponding to the account category, and the business volume included in each sample business data of the account category is taken as the A sample of the business frequency corresponding to the account category;
基于该账户类别对应的所有的业务风险系数样本，更新该账户类别对应的业务风险系数的方差θ及系数样本数m，以及基于该账户类别对应的所有的业务频率样本，更新该账户类别对应的业务频率的方差
当
图6为本发明实施例中确定银行网点对应的第一客户类别的流程图，在一实施例中，对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别，包括：FIG. 6 is a flow chart of determining the first customer category corresponding to a bank outlet in an embodiment of the present invention. In one embodiment, for each bank outlet, the corresponding bank outlet is determined according to the first account category of the customer of the bank outlet. of the first customer categories, including:
步骤601，获取该银行网点的业务数据对应的客户集合；
步骤602，对于该客户集合中的每一客户，如果该客户在银行有归属于第一账户类别的账号，则将该客户添加到该银行网点对应的第一客户类别。Step 602: For each customer in the customer set, if the customer has an account number belonging to the first account category in the bank, the customer is added to the first customer category corresponding to the bank outlet.
图7为本发明实施例中银行网点业务处理方法的流程图二，在一实施例中，所述方法还包括：FIG. 7 is a second flowchart of a business processing method for a bank outlet in an embodiment of the present invention. In an embodiment, the method further includes:
步骤701，将所有的第一账户类别对应的业务风险系数的最大值作为业务风险系数阈值，以及将所有的第一账户类别对应的业务频率的最小值作为业务频率阈值；
步骤702，对于多个账户类别中的每个账户类别，如果该账户类别对应的业务风险系数小于等于业务风险系数阈值，且该账户类别对应的业务频率大于等于业务频率阈值，则将该账户类别作为第二账户类别；
步骤703，对于该银行网点的业务数据对应的客户集合中的每一客户，如果该客户在银行有归属于第二账户类别的账号，则将该客户添加到该银行网点的第二客户类别。Step 703: For each client in the client set corresponding to the business data of the bank outlet, if the client has an account number belonging to the second account category in the bank, the client is added to the second client category of the bank outlet.
在一实施例中，接收所述银行服务器反馈的该银行网点的第一客户类别，包括：In one embodiment, receiving the first customer category of the bank branch fed back by the bank server includes:
当该银行网点的第一客户类别为空时，接收所述银行服务器反馈的该银行网点的第二客户类别；When the first customer category of the bank outlet is empty, receive the second client category of the bank outlet fed back by the bank server;
在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别或第二客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。When the bank outlet receives the customer's business request, it is determined whether the customer is of the first customer category or the second customer category, if so, based on the customer's customer information stored in the bank outlet, the customer's business request is processed, otherwise, to The bank server sends the customer's business request, and receives the business processing result fed back by the bank server.
在一实施例中，所述方法还包括：In one embodiment, the method further includes:
基于银行服务器的业务办理数据，确定多个业务繁忙时间区间，比如对于各个时间区间，如果该银行服务器在该时间区间的业务办理数量大于该银行服务器的业务办理数量的均值，则将该时间区间确定为业务繁忙时间区间；Based on the business processing data of the bank server, determine multiple business busy time intervals. For example, for each time interval, if the number of services processed by the bank server in this time interval is greater than the average value of the number of services processed by the bank server, the time interval will be determined. Determined as a busy time interval for business;
对于每个银行网点，依据该银行网点的业务办理数据，确定该银行网点对应的业务风险概率；For each bank outlet, determine the business risk probability corresponding to the bank outlet according to the business handling data of the bank outlet;
将对应的业务风险概率小于风险阈值的多个银行网点作为风险能控网点；Take multiple bank outlets whose corresponding business risk probability is less than the risk threshold as risk controllable outlets;
对于风险能控网点，接收银行服务器下发的客户信息，其中，所述客户信息是在该业务繁忙时间区间之前，银行服务器将每个风险能控网点对应的第一客户类别(如果没有，则将该风险能控网点对应的第二客户类别)的客户信息下发的。For risk controllable outlets, receive customer information issued by the bank server, wherein the customer information is the first customer category corresponding to each risk controllable outlet by the bank server before the busy business time interval (if not, then The customer information of the second customer category corresponding to the risk controllable outlet) is issued.
综上所述，在本发明实施例提出的方法中，获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。在上述过程中，可以通过分析账户的业务数据，确定第一账户类别，进而确定第一客户类别，从而在进行业务请求处理时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果，达到精确处理业务请求的目的。To sum up, in the method proposed in the embodiment of the present invention, the business data of the account of the bank outlet is obtained, the account is classified based on the business data, and a plurality of account categories are obtained; for each account category, according to the account category determine the business risk coefficient corresponding to the account category and the corresponding business frequency; determine the first account category among multiple account categories according to the business risk coefficient and business frequency; for each bank outlet, according to the bank outlet determine the first customer category corresponding to the bank outlet; when the number of queuing customers at the bank outlet is greater than the specified threshold, send to the bank server the customer information of the first customer category of the bank outlet among the queuing customers request, and receive the first customer category of the bank outlet fed back by the bank server; when the bank outlet receives the customer's business request, it is determined whether the customer is the first customer category, and if so, based on the bank outlet The customer information of the customer is used to process the customer's business request, otherwise, the customer's business request is sent to the bank server, and the business processing result fed back by the bank server is received. In the above process, the first account category and then the first customer category can be determined by analyzing the business data of the account, so as to determine whether the customer is the first customer category when processing the business request, and if so, based on the bank outlet Store the customer's customer information, process the customer's business request, otherwise, send the customer's business request to the bank server, and receive the business processing result fed back by the bank server to achieve the purpose of accurately processing the business request.
本发明实施例还提出一种银行网点业务处理装置，其原理与银行网点业务处理方法类似，这里不再赘述。The embodiment of the present invention also provides a bank outlet service processing device, the principle of which is similar to the bank outlet service processing method, and will not be repeated here.
图8为本发明实施例中银行网点业务处理装置的示意图一，包括：8 is a schematic diagram 1 of a business processing device at a bank outlet in an embodiment of the present invention, including:
账户分类模块801，用于获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；An
业务分析模块802，用于对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；The
第一账户类别确定模块803，用于依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；A first account
第一客户类别确定模块804，用于对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；The first customer
请求分析模块805，用于当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；The
业务请求处理模块806，用于在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。The business
在一实施例中，账户分类模块具体用于：In one embodiment, the account classification module is specifically used for:
对于每一个账号，将该账户的历史业务数据中每个业务对应的业务量作为该账户对应该业务的业务量；For each account, the business volume corresponding to each business in the historical business data of the account is taken as the business volume of the account corresponding to the business;
对于每一个业务，确定该业务的函数，其中，该函数的自变量是任何两个账号，对应的函数值是该两个账号对应该业务的业务量的差；For each service, determine the function of the service, wherein the independent variable of the function is any two accounts, and the corresponding function value is the difference between the two accounts corresponding to the service volume of the service;
依据各个业务的函数，确定账户的距离函数；According to the function of each business, determine the distance function of the account;
根据账户的距离函数，对银行的账户进行分类，获得多个账户类别。According to the distance function of the accounts, the bank accounts are classified to obtain multiple account categories.
在一实施例中，业务分析模块具体用于：In one embodiment, the business analysis module is specifically used for:
将该账户类别的业务数据对应的时间范围作为第一时间范围；The time range corresponding to the business data of the account category is taken as the first time range;
对于第一时间范围内的每一单位时间，将该账户类别的业务数据中该单位时间对应的业务数据作为该账户类别的样本业务数据；For each unit time within the first time range, the business data corresponding to the unit time in the business data of the account category is taken as the sample business data of the account category;
将该账户类别的每个样本业务数据包含的业务中涉及风险的业务的数量占比作为该账户类别对应的业务风险系数样本，以及将该账户类别的每个样本业务数据包含的业务量作为该账户类别对应的业务频率样本；The proportion of the number of businesses involving risks in the business included in each sample business data of the account category is taken as the sample of the business risk coefficient corresponding to the account category, and the business volume included in each sample business data of the account category is taken as the A sample of the business frequency corresponding to the account category;
依据该账户类别对应的业务风险系数样本，确定该账户类别对应的业务风险系数，以及依据该账户类别对应的业务频率样本，确定该账户类别对应的业务频率。The business risk coefficient corresponding to the account category is determined according to the business risk coefficient sample corresponding to the account category, and the business frequency corresponding to the account category is determined according to the business frequency sample corresponding to the account category.
在一实施例中，第一账户类别确定模块具体用于：In one embodiment, the first account category determination module is specifically configured to:
依据业务风险系数和业务频率，确定账户类别的偏序，其中，对于多个账户类别中的任何两个账户类别，当该两个账户类别中的第一账户类别对应的业务风险系数小于等于该两个账户类别中的第二账户类别对应的业务风险系数，且第一账户类别对应的业务频率大于等于第二账户类别对应的业务频率，则确定第一账户类别优于第二账户类别；Determine the partial order of account categories according to the business risk coefficient and business frequency, wherein, for any two account categories in the multiple account categories, when the business risk coefficient corresponding to the first account category in the two account categories is less than or equal to the The business risk coefficient corresponding to the second account category among the two account categories, and the business frequency corresponding to the first account category is greater than or equal to the business frequency corresponding to the second account category, then it is determined that the first account category is superior to the second account category;
依据账户类别的偏序，从多个账户类别中选取出第一账户类别。According to the partial order of the account categories, the first account category is selected from the multiple account categories.
在一实施例中，第一账户类别确定模块具体用于：In one embodiment, the first account category determination module is specifically configured to:
将多个账户类别中的每个账户类别对应的偏序极大标识初始化为待定，以及每个账户类别对应的比较布尔值初始化为是；Initialize the partial order maximal identifier corresponding to each account category in the multiple account categories to pending, and initialize the comparison boolean value corresponding to each account category to yes;
依据对应的业务风险系数从小到大的顺序依次将账户类别添加到账户类别队列中；Add account categories to the account category queue in descending order of the corresponding business risk coefficients;
循环执行以下步骤，直到账户类别队列为空：Loop through the following steps until the account category queue is empty:
S1：从队列中取出队首账户类别a；S1: Take out the team head account category a from the queue;
S2：如果队首账户类别a对应的偏序极大标识不是待定，则继续执行步骤S1，如果队首账户类别a对应的偏序极大标识是待定，则顺序执行步骤S3至步骤S4：S2: If the partial order maximal identifier corresponding to the team head account category a is not to be determined, then continue to execute step S1, if the partial order maximal identifier corresponding to the team head account category a is to be determined, then sequentially execute steps S3 to S4:
S3：依据账户类别的偏序，依次将对应的比较布尔值为是的所有账户类别中除队首账户类别a之外的每一账户类别b与队首账户类别a进行比较；如果账户类别b优于队首账户类别a，则将账户类别a对应的偏序极大标识设置为否，之后继续执行步骤S1；如果队首账户类别a优于账户类别b，则将账户类别b对应的偏序极大标识设置为否，并将该账户类别b作为队首账户类别a的次账户类别；如果队首账户类别a不优于账户类别b并且账户类别b不优于队首账户类别a，则队首账户类别a与账户类别b对应的偏序极大标识保持不变；S3: According to the partial order of the account categories, compare each account category b except the team leader account category a with the team leader account category a in all account categories for which the corresponding comparison Boolean value is yes; if the account category b If it is better than the account category a of the team leader, set the partial order maximum flag corresponding to the account category a to No, and then continue to perform step S1; if the team leader account category a is better than the account category b, set the partial order corresponding to the account category b. The sequence maximum flag is set to No, and the account category b is used as the secondary account category of the team leader account category a; if the team leader account category a is not better than the account category b and the account category b is not better than the team leader account category a, Then the partial-order maximal identifiers corresponding to account category a and account category b of the team leader remain unchanged;
S4：如果确认对应的比较布尔值为是的所有账户类别中除队首账户类别a之外的每一账户类别都不优于队首账户类别a，则将队首账户类别a确定为第一账户类别，并且将队首账户类别a的每个次账户类别的比较布尔值更新为否。S4: If it is confirmed that the corresponding comparison Boolean value of all account categories except the team leader account category a is not better than the team leader account category a, then the team leader account category a is determined as the first account category, and update the comparison boolean value of each sub-account category of the team leader account category a to no.
在一实施例中，第一客户类别确定模块具体用于：In one embodiment, the first customer category determination module is specifically used for:
获取该银行网点的业务数据对应的客户集合；Obtain the customer set corresponding to the business data of the bank outlet;
对于该客户集合中的每一客户，如果该客户在银行有归属于第一账户类别的账号，则将该客户添加到该银行网点对应的第一客户类别。For each customer in the customer set, if the customer has an account number belonging to the first account category in the bank, the customer is added to the first customer category corresponding to the bank branch.
图9为本发明实施例中银行网点业务处理装置的示意图二，在一实施例中，所述装置还包括第二客户类别确定模块901，用于：FIG. 9 is a second schematic diagram of a business processing device in a bank outlet in an embodiment of the present invention. In one embodiment, the device further includes a second customer category determination module 901 for:
将所有的第一账户类别对应的业务风险系数的最大值作为业务风险系数阈值，以及将所有的第一账户类别对应的业务频率的最小值作为业务频率阈值；Taking the maximum value of the business risk coefficients corresponding to all the first account categories as the business risk coefficient threshold, and taking the minimum value of the business frequencies corresponding to all the first account categories as the business frequency threshold;
对于多个账户类别中的每个账户类别，如果该账户类别对应的业务风险系数小于等于业务风险系数阈值，且该账户类别对应的业务频率大于等于业务频率阈值，则将该账户类别作为第二账户类别；For each account category in multiple account categories, if the business risk coefficient corresponding to the account category is less than or equal to the business risk coefficient threshold, and the business frequency corresponding to the account category is greater than or equal to the business frequency threshold, the account category will be regarded as the second account type;
对于该银行网点的业务数据对应的客户集合中的每一客户，如果该客户在银行有归属于第二账户类别的账号，则将该客户添加到该银行网点的第二客户类别。For each customer in the customer set corresponding to the business data of the bank branch, if the customer has an account number belonging to the second account category in the bank, the customer is added to the second customer category of the bank branch.
在一实施例中，请求分析模块具体用于：当该银行网点的第一客户类别为空时，接收所述银行服务器反馈的该银行网点的第二客户类别；In one embodiment, the request analysis module is specifically configured to: when the first customer category of the bank outlet is empty, receive the second customer category of the bank outlet fed back by the bank server;
业务请求处理模块具体用于：在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别或第二客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。The business request processing module is specifically used for: when the bank outlet receives the customer's business request, determine whether the customer is the first customer category or the second customer category, and if so, process the customer based on the customer information of the customer stored in the bank outlet. The customer's business request, otherwise, the customer's business request is sent to the bank server, and the business processing result fed back by the bank server is received.
综上所述，在本发明实施例提出的装置中，获取银行网点的账户的业务数据，基于所述业务数据对账户进行分类，获得多个账户类别；对于每一个账户类别，依据该账户类别的业务数据，确定该账户类别对应的业务风险系数，以及对应的业务频率；依据业务风险系数和业务频率，确定多个账户类别中的第一账户类别；对于每个银行网点，根据该银行网点的客户的第一账户类别，确定该银行网点对应的第一客户类别；当银行网点的排队客户数量大于指定阈值时，向银行服务器发送获取排队客户中该银行网点的第一客户类别的客户信息的请求，并接收所述银行服务器反馈的该银行网点的第一客户类别；在银行网点接收到客户的业务请求时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果。在上述过程中，可以通过分析账户的业务数据，确定第一账户类别，进而确定第一客户类别，从而在进行业务请求处理时，判断该客户是否为第一客户类别，若是，基于该银行网点存储的该客户的客户信息，处理该客户的业务请求，否则，向银行服务器发送该客户的业务请求，并接收银行服务器反馈的业务处理结果，达到精确处理业务请求的目的。To sum up, in the device proposed in the embodiment of the present invention, the business data of the account of the bank outlet is obtained, the account is classified based on the business data, and multiple account categories are obtained; for each account category, according to the account category determine the business risk coefficient corresponding to the account category and the corresponding business frequency; determine the first account category among multiple account categories according to the business risk coefficient and business frequency; for each bank outlet, according to the bank outlet determine the first customer category corresponding to the bank outlet; when the number of queuing customers at the bank outlet is greater than the specified threshold, send to the bank server the customer information of the first customer category of the bank outlet among the queuing customers request, and receive the first customer category of the bank outlet fed back by the bank server; when the bank outlet receives the customer's business request, it is determined whether the customer is the first customer category, and if so, based on the bank outlet The customer information of the customer is used to process the customer's business request, otherwise, the customer's business request is sent to the bank server, and the business processing result fed back by the bank server is received. In the above process, the first account category and then the first customer category can be determined by analyzing the business data of the account, so as to determine whether the customer is the first customer category when processing the business request, and if so, based on the bank outlet Store the customer's customer information, process the customer's business request, otherwise, send the customer's business request to the bank server, and receive the business processing result fed back by the bank server to achieve the purpose of accurately processing the business request.
发明实施例还提供一种计算机设备，所述计算机设备包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述银行网点业务处理方法。The embodiment of the invention also provides a computer device, the computer device includes a memory, a processor, and a computer program stored in the memory and running on the processor, the processor implements the above-mentioned bank branch business when executing the computer program. Approach.
本发明实施例还提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机程序，所述计算机程序被处理器执行时实现上述银行网点业务处理方法。An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, implements the above-mentioned method for processing a bank outlet business.
本发明实施例还提供一种计算机程序产品，所述计算机程序产品包括计算机程序，所述计算机程序被处理器执行时实现上述银行网点业务处理方法。An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned method for processing a bank outlet business is implemented.
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序业务系统。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序业务系统的形式。Those skilled in the art will appreciate that embodiments of the present invention may be provided as a method, a system, or a computer program business system. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program business system implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序业务系统的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。The present invention is described with reference to flowcharts and/or block diagrams of methods, apparatus (systems), and computer program business systems according to embodiments of the present invention. It will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.
以上所述的具体实施例，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施例而已，并不用于限定本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above-mentioned specific embodiments are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.
Claims (19)
Translated fromChinesePriority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210615978.3ACN114943606B (en) | 2022-06-01 | 2022-06-01 | Bank outlet business processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210615978.3ACN114943606B (en) | 2022-06-01 | 2022-06-01 | Bank outlet business processing method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN114943606Atrue CN114943606A (en) | 2022-08-26 |
| CN114943606B CN114943606B (en) | 2025-08-01 |
Family
ID=82908297
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210615978.3AActiveCN114943606B (en) | 2022-06-01 | 2022-06-01 | Bank outlet business processing method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114943606B (en) |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108257022A (en)* | 2017-04-07 | 2018-07-06 | 平安科技（深圳）有限公司 | Business data processing method and device |
| CN108830578A (en)* | 2018-06-11 | 2018-11-16 | 合肥汇英科技有限公司 | A kind of safe financial transaction managing and control system |
| CN111967785A (en)* | 2020-08-26 | 2020-11-20 | 中国银行股份有限公司 | Optimization processing method and device for business handling of bank outlets |
| CN112465402A (en)* | 2020-12-17 | 2021-03-09 | 中国农业银行股份有限公司 | Resource allocation method and related device |
| CN113112276A (en)* | 2021-05-17 | 2021-07-13 | 中国银行股份有限公司 | Business handling method and device, computer equipment and computer readable storage medium |
| CN113610632A (en)* | 2021-08-11 | 2021-11-05 | 中国银行股份有限公司 | Bank outlet face recognition method and device based on block chain |
| CN113626526A (en)* | 2021-08-12 | 2021-11-09 | 中国工商银行股份有限公司 | Block chain-based cross-bank illegal fund transfer monitoring method and node |
- 2022
- 2022-06-01CNCN202210615978.3Apatent/CN114943606B/enactiveActive
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108257022A (en)* | 2017-04-07 | 2018-07-06 | 平安科技（深圳）有限公司 | Business data processing method and device |
| CN108830578A (en)* | 2018-06-11 | 2018-11-16 | 合肥汇英科技有限公司 | A kind of safe financial transaction managing and control system |
| CN111967785A (en)* | 2020-08-26 | 2020-11-20 | 中国银行股份有限公司 | Optimization processing method and device for business handling of bank outlets |
| CN112465402A (en)* | 2020-12-17 | 2021-03-09 | 中国农业银行股份有限公司 | Resource allocation method and related device |
| CN113112276A (en)* | 2021-05-17 | 2021-07-13 | 中国银行股份有限公司 | Business handling method and device, computer equipment and computer readable storage medium |
| CN113610632A (en)* | 2021-08-11 | 2021-11-05 | 中国银行股份有限公司 | Bank outlet face recognition method and device based on block chain |
| CN113626526A (en)* | 2021-08-12 | 2021-11-09 | 中国工商银行股份有限公司 | Block chain-based cross-bank illegal fund transfer monitoring method and node |
Also Published As
| Publication number | Publication date |
|---|---|
| CN114943606B (en) | 2025-08-01 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11544501B2 (en) | Systems and methods for training a data classification model | |
| US20220044244A1 (en) | Incremental addition to an augmented graph model | |
| WO2015138272A1 (en) | Two stage risk model building and evaluation | |
| CN114638693A (en) | Method and system for determining the scope of business types of bank outlets | |
| CN113962401A (en) | Federal learning system, and feature selection method and device in federal learning system | |
| CN114862600A (en) | Risk control method and device for suspicious withdrawal transaction | |
| CN114926162A (en) | Risk control method and device for bank transfer transaction | |
| CN114926279B (en) | Terminal payment method and system based on block chain | |
| CN114943606A (en) | Bank outlet business processing method and device | |
| CN115048284A (en) | Method, computing device and storage medium for testing applications of a system | |
| CN109800823B (en) | Clustering method and device for POS terminals | |
| CN114723295A (en) | Bank branch customer queuing method and device | |
| CN115049507A (en) | Method and device for releasing products at bank outlets | |
| CN114971199B (en) | Bank staff internal risk control method and device | |
| CN115099938B (en) | Risk control method and device for cash terminal | |
| CN114862551B (en) | Bank branch mobile phone number risk control method and device | |
| CN113657992B (en) | Data processing method and system | |
| CN114781524A (en) | Method and system for determining face recognition threshold value by analyzing transaction risk | |
| CN114970740A (en) | Method and device for determining customer attrition | |
| CN115034881B (en) | Bank business handling risk control method and device | |
| CN114998031A (en) | System and method for providing service for independent terminal | |
| US20250259170A1 (en) | Transaction processor testing method and system | |
| US20250181891A1 (en) | Leveraging graph neural networks, community detection, and tree-based models for transaction classifications | |
| CN114925772A (en) | Self-service terminal transaction interface display method and device | |
| CN114943605A (en) | Risk control method and device for unmanned bank outlets |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |