CN112037023A - Bank outlet management method and related device - Google Patents

Bank outlet management method and related device Download PDF

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CN112037023A
CN112037023A CN202010903815.6A CN202010903815A CN112037023A CN 112037023 A CN112037023 A CN 112037023A CN 202010903815 A CN202010903815 A CN 202010903815A CN 112037023 A CN112037023 A CN 112037023A
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users
banking
bank
outlets
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CN112037023B (en
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黄文强
胡传杰
季蕴青
胡路苹
胡玮
黄雅楠
浮晨琪
徐晨敏
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Bank of China Ltd
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Bank of China Ltd
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Abstract

The embodiment of the application provides a bank outlet management method and a related device, which are used for determining N users needing to handle banking business within target time, then associating the N users to a bank outlet closest to the N users according to the distance between the N users and M bank outlets, and determining the number of first users respectively associated with the M bank outlets according to a first association result. By determining the number of the tellers processing the banking services corresponding to the N users within the target time, Z banking outlets to be opened are determined from the M banking outlets in a mode that the number of the first users is reduced from large according to the number of the tellers and the number of the first users respectively associated with the M banking outlets, so that effective management of the banking outlets under special conditions is realized, and user experience is improved.

Description

Bank outlet management method and related device
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a bank branch management method and a related apparatus.
Background
In some special cases, a bank cannot open all banking outlets, but only some of them. For example, cause of an epidemic. However, for special situations, the bank does not know how to manage the bank outlets, which can meet the business requirements of users and deal with special situations. Therefore, a bank outlet management method is needed to solve this problem.
Disclosure of Invention
In order to solve the technical problems in the prior art, the application provides a bank outlet management method and a related device, which realize effective management of the bank outlets under special conditions.
In one aspect, an embodiment of the present application provides a banking outlet management method, where the method includes:
determining N users needing to handle banking business within target time;
according to the distance between the N users and the M banking outlets, the N users are associated with the closest banking outlets, and the number of first users respectively associated with the M banking outlets is determined according to a first association result;
determining the number of tellers for processing the banking business corresponding to the N users in the target time;
according to the number of the tellers and the number of first users respectively associated with the M banking outlets, Z banking outlets to be opened are determined from the M banking outlets in a mode that the number of the first users is from large to small; wherein Z is not greater than M.
In one possible implementation, the method further includes:
according to the distance between the N users and the Z banking outlets, re-associating the N users to the banking outlets closest to the Z banking outlets, and determining the number of second users respectively associated with the Z banking outlets according to a second association result;
if the target network point is any one of the Z bank network points, determining whether the number of second users corresponding to the target network point meets the opening condition;
if yes, opening the target network point within the target time;
if not, the target network point is not opened in the target time.
In one possible implementation, the determining the number of tellers processing the banking services corresponding to the N users within the target time includes:
obtaining the information of the business to be handled corresponding to the N users;
and determining the number of tellers processing the banking business corresponding to the N users in the target time by utilizing a banking outlet management model according to the to-be-handled business information.
In a possible implementation manner, the information of the to-do services includes an amount of the to-do services and a type of the to-do services.
In one possible implementation, the bank outlet management model is obtained through the following training process:
acquiring historical service information of the bank in specified time and processing the number of specified tellers corresponding to the historical service information;
determining a training sample according to the historical service information and the number of the designated tellers; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
and training a pre-constructed undetermined network model by using the training sample to obtain the bank outlet management model.
In a possible implementation manner, the obtaining information of the to-do business of the bank in the target time includes:
acquiring information of the to-do business of the bank within a target time according to the bank client corresponding to the bank; and the information of the business to be handled is determined by the user through the bank client.
In one possible implementation, the method further includes:
and informing the N users and the staff of the Z banking outlets in a message prompting mode, and opening the messages of the Z banking outlets in the target time.
On the other hand, an embodiment of the present application provides a bank outlet management device, where the device includes a determining unit and an associating unit:
the determining unit is used for determining N users needing to transact banking business within the target time;
the association unit is used for associating the N users to the nearest bank outlets according to the distances between the N users and the M bank outlets, and determining the number of first users respectively associated with the M bank outlets according to a first association result;
the determining unit is further configured to determine the number of tellers processing the banking business corresponding to the N users within the target time;
the determining unit is further configured to determine Z banking outlets to be opened from the M banking outlets in a manner that the number of first users decreases from large to small according to the number of tellers and the number of first users respectively associated with the M banking outlets; wherein Z is not greater than M.
In a possible implementation manner, the associating unit is further configured to re-associate the N users to a bank branch closest to the Z bank branches according to distances between the N users and the Z bank branches, and determine, according to a second association result, second user numbers respectively associated with the Z bank branches;
the determining unit is further configured to determine whether the number of second users corresponding to the target website meets an open condition if the target website is any one of the Z banking websites; if yes, opening the target network point within the target time; if not, the target network point is not opened in the target time.
In a possible implementation manner, the apparatus further includes an obtaining unit:
the acquiring unit is used for acquiring the information of the to-do services corresponding to the N users;
and the determining unit is used for determining the number of the tellers processing the banking business corresponding to the N users in the target time by utilizing a banking outlet management model according to the information of the to-be-handled business.
In a possible implementation manner, the information of the to-do services includes an amount of the to-do services and a type of the to-do services.
In a possible implementation manner, the obtaining unit is further configured to obtain historical service information of the bank within a specified time and a specified number of tellers corresponding to processing the historical service information;
the determining unit is further used for determining a training sample according to the historical service information and the number of the designated tellers; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
the apparatus further comprises a training unit:
and the training unit is used for training a pre-constructed undetermined network model by using the training sample to obtain the bank branch management model.
In a possible implementation manner, the obtaining unit is configured to obtain information of a to-do service of a bank within a target time according to a bank client corresponding to the bank; and the information of the business to be handled is determined by the user through the bank client.
In one possible implementation manner, the apparatus further includes a notification unit:
and the notification unit is used for notifying the N users and the staff of the Z banking outlets in a message prompting mode and opening the messages of the Z banking outlets within the target time.
On the other hand, the embodiment of the present application further provides an apparatus for bank outlet management, where the apparatus includes a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the method of the above aspect according to instructions in the program code.
In another aspect, an embodiment of the present application further provides a computer-readable storage medium, where the computer-readable storage medium is used to store a computer program, where the computer program is used to execute the method in the foregoing aspect.
It can be seen from the method provided in the above embodiment that N users who need to transact banking services within a target time are determined, then the N users are associated with a closest banking outlet according to distances between the N users and M banking outlets, and the number of first users respectively associated with the M banking outlets is determined according to a first association result. And determining Z bank outlets to be opened from the M bank outlets in a mode that the number of first users is from large to small by determining the number of tellers for processing the banking services corresponding to the N users in the target time and according to the number of the tellers and the number of the first users respectively associated with the M bank outlets. Therefore, the users are divided according to the nearest distance principle, so that the bank outlets to be opened are determined according to the maximum quantity principle, the requirement of the users for handling bank business is met, meanwhile, the fact that the distance that most users go to the bank outlets to be opened for handling bank business is short is guaranteed, effective management of the bank outlets under special conditions is achieved, and user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic flow chart of a banking outlet management method according to an embodiment of the present application;
fig. 2 is a schematic structural diagram of a banking outlet management device according to an embodiment of the present application.
Detailed Description
Embodiments of the present application will be described below with reference to the accompanying drawings.
Under special conditions, a bank cannot open all bank outlets, and intelligently selects to open part of the outlets, but the bank does not know how many bank outlets are opened, which bank outlet is opened, and how many tellers are needed. And the user does not know which banking network point is open. If the user finds that the bank outlets are not open after arriving at the bank outlets, the user experience is not good. In view of this, the embodiments of the present application provide a banking outlet management method and a related apparatus, which implement reasonable management and control of banking outlets under special conditions.
The bank branch management method provided by the application can be applied to bank branch management equipment with data processing capacity, such as terminal equipment and a server. The terminal device may be a smart phone, a computer, a Personal Digital Assistant (PDA), a tablet computer, or the like; the server may be an independent physical server, or may be a server cluster or distributed system formed by a plurality of physical servers, and the application is not limited herein. In the present application, a server is used as a bank outlet management device to describe the embodiment of the present application.
Referring to fig. 1, fig. 1 is a schematic flow chart of a banking outlet management method according to an embodiment of the present application. As shown in fig. 1, the banking outlet management method includes the following steps:
s101: and determining N users needing to transact banking business within the target time.
In practical application, a developer can develop a bank business reservation module for a user to handle, and integrate the bank business reservation module in a bank outlet management system. Under special conditions, a user can make an appointment by using a bank client to fill in relevant information of banking business needing to be handled. Accordingly, the bank client may store user-related data. Based on the method, the server can determine N users needing to transact banking business in the target area and the target time according to the data stored in the bank client.
The target time refers to a specific time period, for example, 9:00 to 17:00 in 8/26/2020. The deployment can be actually performed according to the service situation, and is not limited herein. The bank client can be a mobile banking application program, a banking business handling website and the like, and can be set according to actual business requirements.
S102: and according to the distance between the N users and the M banking outlets, associating the N users to the closest banking outlet, and determining the number of first users respectively associated with the M banking outlets according to a first association result.
In practical application, the server may associate the N users with the closest banking outlets according to the distances between the N users and the M banking outlets. Wherein, M banking outlets can be understood as banking outlets included in the target area. For example, xx cities include 200 banking outlets of xx banks.
For example, if the target region is Shenzhen city, and the Shenzhen city includes 200 banking nodes of xx banks, for the user a with banking transaction requirements, the address of the user a is the Nanshan region coastal street of Guangdong province Shenzhen city, and according to the distance nearest principle, the user a is divided into the banking nodes of the xx banks located in the Nanshan region coastal street of Guangdong province Shenzhen city.
Based on the first association result, the number of the first users respectively associated with the M banking outlets can be determined. The number of the first users of the banking outlet identifies the number of users having banking business handling requirements in the target time and being closest to the banking outlet. For example, at 26.9: 00 to 17:00 of 8.2020, the bank website of xx bank located on the coastal street in nan shan region of Shenzhen, Guangdong province corresponds to a first number of users of 12.
S103: and determining the number of tellers for processing the banking business corresponding to the N users in the target time.
In practical application, the information of the business to be handled corresponding to the N users can be obtained through the bank client, and then the number of tellers processing the banking business corresponding to the N users in the target time is determined by utilizing a bank outlet management model according to the information of the business to be handled. The information of the business to be handled is determined by the user through the bank client. In one possible implementation manner, the pending service information includes a pending service amount and a pending service type.
The bank outlet management model is determined based on machine learning and comprises an input layer, a hidden layer and an output layer. In the embodiment of the application, the number of tellers is output by taking the information of the business to be handled as input. In practical applications, the model structure of the bank outlet management model may be a three-layer neural network based on Genetic Programming (GP), or may be other neural network structures, and is not limited herein.
Firstly, obtaining historical service information of the bank in a specified time and processing the number of specified tellers corresponding to the historical service information, and then determining a training sample according to the historical service information and the number of the specified tellers, so that a pre-constructed undetermined network model can be trained by using the training sample to obtain the bank outlet management model.
The training sample comprises the service type and the service handling capacity corresponding to each service in the historical service information. In practical applications, the historical service information may further include average time for the teller to handle the service, peak time period for handling each service type, and the like. The actual determination may be based on business policy, and is not limited herein.
The bank outlet management model realizes the automatic determination of the number of the tellers, reduces the cost of manually counting data and processing data, and improves the calculation efficiency and precision of the number of the tellers corresponding to the information of the business to be handled in the target time.
S104: according to the number of the tellers and the number of first users respectively associated with the M banking outlets, Z banking outlets to be opened are determined from the M banking outlets in a mode that the number of the first users is from large to small; wherein Z is not greater than M.
In practical application, if the number of the teller is 50, the target area includes 20 banking outlets, that is, M is 20, and it is determined whether the number of the first banking outlets with the largest number of the first users in the 20 banking outlets is greater than the number of the teller. If yes, the first banking outlet is opened, namely Z is 1. If not, opening the first bank outlet, and judging whether the total number of the employees is greater than the number of the tellers or not by the first bank outlet and the second bank outlet with the second largest number of the users. If yes, opening the first banking outlet and the second banking outlet, namely Z is 2. If not, opening the first bank outlet and the second bank outlet, and continuously judging whether the total number of the employees at the bank outlets three before the first user number is greater than the teller number.
In a possible implementation manner, according to the distance between the N users and the Z banking outlets, the N users are re-associated with the banking outlet closest to the Z banking outlets, and the number of second users respectively associated with the Z banking outlets is determined according to a second association result; if the target network point is any one of the Z bank network points, determining whether the number of second users corresponding to the target network point meets the opening condition; if yes, opening the target network point within the target time; if not, the target network point is not opened in the target time.
And according to the nearest principle, re-associating the N users with the Z bank outlets, and then judging whether the number of second users respectively associated with the Z bank outlets meets the opening condition, if so, indicating that the number of users going to the bank outlet reaches the minimum requirement of the opening cost of the bank outlet, and opening the bank outlet. If not, the number of the users going to the bank network does not reach the lowest requirement of the bank opening cost, and the bank network is not opened. Therefore, the utilization rate of bank resources is improved, and the bank opening cost is saved.
After the target network points are determined, the N users and the staff of the Z banking network points can be informed in a message prompting mode, the messages of the target network points are opened within the target time, so that the users with banking business handling requirements can know which banking network points are opened within the target time, and user experience is improved. In addition, by notifying Z bank outlets of staff, the method increases the propagation mode of internal information of the bank and is beneficial to the management of the staff of the bank outlets.
The banking outlet management method provided in the above embodiment determines N users who need to handle banking services within a target time, then associates the N users with a banking outlet closest to the N users according to distances between the N users and the M banking outlets, and determines the number of first users respectively associated with the M banking outlets according to a first association result. And determining Z bank outlets to be opened from the M bank outlets in a mode that the number of first users is from large to small by determining the number of tellers for processing the banking services corresponding to the N users in the target time and according to the number of the tellers and the number of the first users respectively associated with the M bank outlets. Therefore, the users are divided according to the nearest distance principle, so that the bank outlets to be opened are determined according to the maximum quantity principle, the requirement of the users for handling bank business is met, meanwhile, the fact that the distance that most users go to the bank outlets to be opened for handling bank business is short is guaranteed, effective management of the bank outlets under special conditions is achieved, and user experience is improved.
Aiming at the bank outlet management method provided by the embodiment, the application also provides a bank outlet management device.
Referring to fig. 2, fig. 2 is a schematic structural diagram of a banking outlet management device according to an embodiment of the present application. As shown in fig. 2, the banking site management apparatus 200 includes a determination unit 201 and an association unit 202:
the determining unit 201 is configured to determine N users needing to transact banking services within a target time;
the association unit 202 is configured to associate the N users with a closest bank branch according to distances between the N users and the M bank branches, and determine, according to a first association result, a first user number associated with each of the M bank branches;
the determining unit 201 is further configured to determine the number of teller machines processing the banking services corresponding to the N users within the target time;
the determining unit 201 is further configured to determine Z banking outlets to be opened from the M banking outlets in a manner that the number of first users decreases from large to small according to the number of tellers and the number of first users respectively associated with the M banking outlets; wherein Z is not greater than M.
In a possible implementation manner, the associating unit is further configured to re-associate the N users to a bank branch closest to the Z bank branches according to distances between the N users and the Z bank branches, and determine, according to a second association result, second user numbers respectively associated with the Z bank branches;
the determining unit 201 is further configured to determine whether the number of second users corresponding to the target website meets an open condition if the target website is any one of the Z banking websites; if yes, opening the target network point within the target time; if not, the target network point is not opened in the target time.
In a possible implementation manner, the apparatus further includes an obtaining unit:
the acquiring unit is used for acquiring the information of the to-do services corresponding to the N users;
the determining unit 201 is configured to determine, according to the to-do service information, the number of tellers processing the banking service corresponding to the N users within the target time by using a banking outlet management model.
In a possible implementation manner, the information of the to-do services includes an amount of the to-do services and a type of the to-do services.
In a possible implementation manner, the obtaining unit is further configured to obtain historical service information of the bank within a specified time and a specified number of tellers corresponding to processing the historical service information;
the determining unit 201 is further configured to determine a training sample according to the historical service information and the number of the designated tellers; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
the apparatus further comprises a training unit:
and the training unit is used for training a pre-constructed undetermined network model by using the training sample to obtain the bank branch management model.
In a possible implementation manner, the obtaining unit is configured to obtain information of a to-do service of a bank within a target time according to a bank client corresponding to the bank; and the information of the business to be handled is determined by the user through the bank client.
In one possible implementation manner, the apparatus further includes a notification unit:
and the notification unit is used for notifying the N users and the staff of the Z banking outlets in a message prompting mode and opening the messages of the Z banking outlets within the target time.
The banking outlet management device provided in the above embodiment determines N users who need to handle banking services within a target time, then associates the N users with a banking outlet closest to the N users according to distances between the N users and the M banking outlets, and determines the number of first users respectively associated with the M banking outlets according to a first association result. And determining Z bank outlets to be opened from the M bank outlets in a mode that the number of first users is from large to small by determining the number of tellers for processing the banking services corresponding to the N users in the target time and according to the number of the tellers and the number of the first users respectively associated with the M bank outlets. Therefore, the users are divided according to the nearest distance principle, so that the bank outlets to be opened are determined according to the maximum quantity principle, the requirement of the users for handling bank business is met, meanwhile, the fact that the distance that most users go to the bank outlets to be opened for handling bank business is short is guaranteed, effective management of the bank outlets under special conditions is achieved, and user experience is improved.
The embodiment of the application also provides equipment for bank outlet management, which comprises a processor and a memory, wherein the processor comprises:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the method of the above aspect according to instructions in the program code.
The embodiment of the present application further provides a computer-readable storage medium, which is used for storing a computer program, and the computer program is used for executing the method of the above aspect.
Those of ordinary skill in the art will understand that: all or part of the steps for realizing the method embodiments can be completed by hardware related to program instructions, the program can be stored in a computer readable storage medium, and the program executes the steps comprising the method embodiments when executed; and the aforementioned storage medium may be at least one of the following media: various media that can store program codes, such as read-only memory (ROM), RAM, magnetic disk, or optical disk.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (10)

1. A banking outlet management method, comprising:
determining N users needing to handle banking business within target time;
according to the distance between the N users and the M banking outlets, the N users are associated with the closest banking outlets, and the number of first users respectively associated with the M banking outlets is determined according to a first association result;
determining the number of tellers for processing the banking business corresponding to the N users in the target time;
according to the number of the tellers and the number of first users respectively associated with the M banking outlets, Z banking outlets to be opened are determined from the M banking outlets in a mode that the number of the first users is from large to small; wherein Z is not greater than M.
2. The method of claim 1, further comprising:
according to the distance between the N users and the Z banking outlets, re-associating the N users to the banking outlets closest to the Z banking outlets, and determining the number of second users respectively associated with the Z banking outlets according to a second association result;
if the target network point is any one of the Z bank network points, determining whether the number of second users corresponding to the target network point meets the opening condition;
if yes, opening the target network point within the target time;
if not, the target network point is not opened in the target time.
3. The method of claim 1, wherein determining the number of tellers processing the banking transaction for the N users within the target time comprises:
obtaining the information of the business to be handled corresponding to the N users;
and determining the number of tellers processing the banking business corresponding to the N users in the target time by utilizing a banking outlet management model according to the to-be-handled business information.
4. The method of claim 3, wherein the pending service information comprises a pending service amount and a pending service type.
5. The method of claim 4, wherein the bank branch management model is obtained by the following training process:
acquiring historical service information of the bank in specified time and processing the number of specified tellers corresponding to the historical service information;
determining a training sample according to the historical service information and the number of the designated tellers; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
and training a pre-constructed undetermined network model by using the training sample to obtain the bank outlet management model.
6. The method of claim 3, wherein the obtaining of the information about the to-do business of the bank within the target time comprises:
acquiring information of the to-do business of the bank within a target time according to the bank client corresponding to the bank; and the information of the business to be handled is determined by the user through the bank client.
7. The method of claim 1, further comprising:
and informing the N users and the staff of the Z banking outlets in a message prompting mode, and opening the messages of the Z banking outlets in the target time.
8. A bank outlet management device is characterized by comprising a determining unit and an associating unit:
the determining unit is used for determining N users needing to transact banking business within the target time;
the association unit is used for associating the N users to the nearest bank outlets according to the distances between the N users and the M bank outlets, and determining the number of first users respectively associated with the M bank outlets according to a first association result;
the determining unit is further configured to determine the number of tellers processing the banking business corresponding to the N users within the target time;
the determining unit is further configured to determine Z banking outlets to be opened from the M banking outlets in a manner that the number of first users decreases from large to small according to the number of tellers and the number of first users respectively associated with the M banking outlets; wherein Z is not greater than M.
9. An apparatus for bank outlet management, the apparatus comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the method of any of claims 1-7 according to instructions in the program code.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any one of claims 1-7.
CN202010903815.6A 2020-09-01 2020-09-01 Bank outlet management method and related device Active CN112037023B (en)

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CN111311125A (en) * 2020-03-25 2020-06-19 中国建设银行股份有限公司 Method and device for selecting resource linkage scheme among bank outlets based on genetic algorithm

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CN111311125A (en) * 2020-03-25 2020-06-19 中国建设银行股份有限公司 Method and device for selecting resource linkage scheme among bank outlets based on genetic algorithm

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