CN112037023B - Bank outlet management method and related device - Google Patents

Bank outlet management method and related device Download PDF

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CN112037023B
CN112037023B CN202010903815.6A CN202010903815A CN112037023B CN 112037023 B CN112037023 B CN 112037023B CN 202010903815 A CN202010903815 A CN 202010903815A CN 112037023 B CN112037023 B CN 112037023B
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banking
users
teller
determining
sites
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CN112037023A (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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Abstract

The embodiment of the application provides a banking site management method and a related device, which are used for determining N users needing to transact banking business in target time, then associating the N users to the banking site closest to the N users according to the distance between the N users and M banking sites, and determining the first user quantity respectively associated with the M banking sites according to a first association result. And determining Z banking sites to be opened from the M banking sites in a mode that the number of first users is from large to small according to the number of teller and the number of first users respectively associated with the M banking sites by determining the number of teller for processing the banking sites corresponding to the N users in the target time, so that effective management of the banking sites under special conditions is realized, and user experience is improved.

Description

Bank outlet management method and related device
Technical Field
The application relates to the technical field of data processing, in particular to a banking website management method and a related device.
Background
In some special cases, the bank cannot open all the banking sites and only part of the banking sites. Such as epidemic causes. However, for special cases, the bank does not know how to manage the banking outlets, so that the business requirements of the user can be met, and the special cases can be dealt with. Thus, there is a need for a banking outlet management solution to this problem.
Disclosure of Invention
In order to solve the technical problems in the prior art, the application provides a banking website management method and a related device, which realize effective management of banking website under special conditions.
In one aspect, an embodiment of the present application provides a banking website management method, including:
determining N users needing to transact banking business in target time;
according to the distances between the N users and the M banking sites, the N users are associated to the banking site closest to the banking site, and the first user quantity respectively associated with the M banking sites is determined according to a first association result;
determining the number of teller for processing banking business corresponding to the N users in the target time;
according to the number of teller and the number of first users respectively associated with the M banking sites, determining Z banking sites to be opened from the M banking sites 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:
re-associating the N users to the banking outlets closest to the Z banking outlets according to the distances between the N users and the Z banking outlets, and determining the second user quantity respectively associated with the Z banking outlets according to a second association result;
if the target website is any one of the Z banking websites, determining whether the second user quantity corresponding to the target website meets an opening condition;
if yes, opening the target network point in the target time;
if not, the target network point is not opened in the target time.
In one possible implementation manner, the determining the number of teller units for processing banking corresponding to the N users in the target time includes:
acquiring the business information to be handled corresponding to the N users;
and determining the quantity of teller of banking business corresponding to the N users within the target time by using a banking website management model according to the information of the business to be handled.
In one possible implementation, the to-Do service information includes an amount of to-Do service and a type of to-Do service.
In one possible implementation, the banking website management model is obtained through the following training process:
acquiring historical service information of the bank in a specified time and the number of specified teller corresponding to the historical service information;
determining training samples according to the historical service information and the number of the appointed teller; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
and training the pre-constructed undetermined network model by using the training sample to obtain the banking website management model.
In one possible implementation manner, the acquiring the to-be-handled service information of the bank in the target time includes:
acquiring business information to be handled of a bank in target time according to a bank client corresponding to the bank; the to-be-handled business information is determined by the user through the bank client.
In one possible implementation, the method further includes:
notifying the N users and the staff of the Z banking sites in a message prompting mode, and opening the messages of the Z banking sites in the target time.
In another aspect, an embodiment of the present application provides a banking outlet management apparatus, including a determining unit and an associating unit:
the determining unit is used for determining N users needing to transact banking business in target time;
the association unit is used for associating the N users to the banking outlets closest to the N users according to the distances between the N users and the M banking outlets, and determining the first user quantity respectively associated with the M banking outlets according to a first association result;
the determining unit is further used for determining the number of teller for processing banking business corresponding to the N users in the target time;
the determining unit is further configured to determine, from the M banking sites, Z banking sites to be opened according to the number of teller and the number of first users respectively associated with the M banking sites, in a manner that the number of first users is from large to small; wherein Z is not greater than M.
In a possible implementation manner, the association unit is further configured to re-associate the N users to a banking node closest to the Z banking nodes according to distances between the N users and the Z banking nodes, and determine, according to a second association result, a second number of users respectively associated with the Z banking nodes;
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 in 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 acquisition unit is used for acquiring the business information to be handled corresponding to the N users;
and the determining unit is used for determining the number of teller of the banking business corresponding to the N users in the target time by using a banking website management model according to the information of the business to be handled.
In one possible implementation, the to-Do service information includes an amount of to-Do service and a type of to-Do service.
In a possible implementation manner, the obtaining unit is further configured to obtain historical service information of the bank in a specified time and a specified number of teller corresponding to the historical service information;
the determining unit is further used for determining training samples according to the historical service information and the number of the appointed teller; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
the device further comprises a training unit:
the training unit is used for training the pre-constructed undetermined network model by utilizing the training sample to obtain the banking website management model.
In one possible implementation manner, the obtaining unit is configured to obtain, according to a bank client corresponding to the bank, to-be-handled service information of the bank in a target time; the to-be-handled business information is determined by the user through the bank client.
In a possible implementation manner, the apparatus further includes a notification unit:
the notification unit is used for notifying the N users and the staff of the Z banking sites in a message prompt mode, and opening the messages of the Z banking sites in the target time.
In another aspect, an embodiment of the present application further provides an apparatus for managing a banking website, including 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, embodiments of the present application further provide a computer readable storage medium storing a computer program for executing the method described in the above aspect.
According to the method provided by the embodiment, N users needing to transact banking business in target time are determined, then the N users are associated to the banking outlets closest to the N users according to the distances between the N users and the M banking outlets, and the first user quantity respectively associated with the M banking outlets is determined according to a first association result. And determining Z banking sites to be opened from the M banking sites in a mode that the number of first users is from large to small according to the number of teller and the number of first users respectively associated with the M banking sites by determining the number of teller for processing banking sites corresponding to the N users in the target time. Therefore, the users are divided according to the principle of closest distance, so that the banking outlets to be opened are determined according to the principle of maximum quantity, the requirement of the users for handling banking business is met, meanwhile, the fact that most of the users go to the banking outlets to be opened for handling banking non-business is guaranteed to be closer, effective management of the banking 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 that are required in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings may be obtained according to the drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic flow chart of a banking website management method according to an embodiment of the present application;
fig. 2 is a schematic structural diagram of a banking website management apparatus 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, banks cannot fully open banking sites and intelligently select part of sites, but the banks do not know how many banking sites are opened, which banking sites are opened, and how many teller are needed. And the user does not know which banking outlets are open. If the user finds that the banking outlets are not opened after the user arrives at the banking outlets, the user experience is poor. In view of this, the embodiment of the application provides a banking website management method and a related device, which realize reasonable management and control of the banking website under special conditions.
The banking website management method provided by the application can be applied to banking website management equipment with data processing capability, such as terminal equipment and a server. The terminal equipment can be a smart phone, a computer, a personal digital assistant (Personal Digital Assistant, PDA), a tablet personal computer and the like; the server may be an independent physical server, or may be a server cluster or a distributed system formed by a plurality of physical servers, which is not limited herein. In the application, the embodiment of the application is introduced by taking the server as the management equipment of the banking network.
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 steps of:
s101: n users needing to transact banking business in the target time are determined.
In practical application, a developer can develop a module for transacting banking business reservation by a user and integrate the module into a banking outlet management system. In special cases, the user can reserve by using the banking client to fill in the banking related information to be transacted. Accordingly, the banking client may store user-related data. Based on the above, the server can determine N users who need to transact banking business in the target area and the target time according to the data stored by the banking client.
Wherein the target time refers to a specified period of time, for example, 9:00 to 17:00 on month 26 of 2020. The deployment may actually be performed according to the service situation, which is not limited in any way herein. The bank client can be a mobile phone bank application program, a bank business handling website and the like, and can be set according to actual business requirements.
S102: and according to the distances between the N users and the M banking outlets, the N users are associated to the banking outlet closest to the banking outlet, and the first user quantity respectively associated with the M banking outlets is determined according to a first association result.
In practical application, the server may associate the N users to the banking outlets closest to the N users according to the distances between the N users and the M banking outlets. Wherein M banking sites may be understood as banking sites included in the target area. For example, xx city includes 200 banking outlets of xx banks.
For example, if the target area is Shenzhen city and Shenzhen city includes 200 xx banking outlets, for the user A with banking transaction requirements, the address of the user A is Shenzhen mountain coastal street in Guangdong province, and the user A is divided into xx banking outlets located on Shenzhen mountain coastal street in Guangdong province according to the principle of nearest distance.
Based on the first association result, the number of first users respectively associated with the M banking sites can be determined. The first user number of the banking website identifies the number of users having banking business handling requirements in the target time and closest to the banking website. For example, at 26 days 9:00 to 17:00 of 8 months 2020, the number of first users corresponding to the banking outlets of xx banks located on the coastal streets of Shenshan district in Shenshan, guangdong is 12.
S103: and determining the number of teller for processing the banking business corresponding to the N users in the target time.
In practical application, the information of the to-be-handled business corresponding to the N users can be obtained through the banking client, and then the number of teller corresponding to the banking business of the N users in the target time is determined by using the banking website management model according to the information of the to-be-handled business. The business information to be handled is determined by a user through a bank client. In one possible implementation, the to-Do business information includes an amount of to-Do business and a type of to-Do business.
The banking website 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 information of the business to be handled is taken as input, and the number of teller is output. In practical application, the model structure of the banking website management model may be a three-layer neural network based on a genetic algorithm (Genetic programming, GP), or may be other neural network structures, which is not limited in any way.
Firstly, acquiring historical service information of the bank in a specified time and processing the number of specified teller corresponding to the historical service information, and then determining a training sample according to the historical service information and the number of specified teller, so that a pre-constructed undetermined network model can be trained by using the training sample to obtain the bank website management model.
The training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information. In practical applications, the historical service information may also include average time for the teller to process the service, peak time periods corresponding to each service type, and the like. The actual determination may be based on traffic policies and is not limited in any way herein.
The automatic determination of the number of the teller is realized through the bank website management model, the cost of manually counting and processing the data is reduced, and the calculation efficiency and the accuracy of the number of the teller corresponding to the business information to be handled in the target time are improved.
S104: according to the number of teller and the number of first users respectively associated with the M banking sites, determining Z banking sites to be opened from the M banking sites 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 teller is 50, the target area includes 20 banking sites, that is, M is 20, and it is determined whether the number of incumbent teller is greater than the number of teller in the first banking site with the largest number of first users in the 20 banking sites. If yes, the first bank branch is opened, i.e. Z is 1. If not, opening the first banking website, and judging whether the total number of the incumbent teller is larger than the number of teller in the first banking website and the second banking website with the second largest first user number. If yes, opening the first banking site and the second banking site, namely Z is 2. If not, opening the first banking website and the second banking website, and continuously judging whether the total number of the banking website incumbent teller in the first user is greater than the teller number.
Aiming at the process of determining the banking outlets to be opened, in one possible implementation manner, re-associating the N users to the banking outlets closest to the Z banking outlets according to the distances between the N users and the Z banking outlets, and determining the second user quantity respectively associated with the Z banking outlets according to a second association result; if the target website is any one of the Z banking websites, determining whether the second user quantity corresponding to the target website meets an opening condition; if yes, opening the target network point in the target time; if not, the target network point is not opened in the target time.
And re-associating N users with the Z banking sites according to the principle of nearest distance, judging whether the number of second users respectively associated with the Z banking sites meets the opening condition, and if so, indicating that the number of users going to the banking sites meets the minimum requirement of the opening cost of the banking sites, so that the banking sites can be opened. If not, the number of users going to the banking website does not reach the minimum requirement of the bank opening cost, and the banking website is not opened. Therefore, the utilization rate of bank resources is improved, and the bank opening cost is saved.
After the target network point is determined, the N users and the staff of the Z banking network points can be notified in a message prompting mode, and the message of the target network point is opened in the target time, so that the user with the banking business handling requirement knows which banking network point is opened in the target time, and the user experience is improved. In addition, by notifying the Z banking site workers, the propagation mode of the internal information of the bank is increased, and management of the banking site workers is facilitated.
According to the banking node management method provided by the embodiment, N users needing to transact banking business in target time are determined, then the N users are associated to the banking node closest to the N users according to the distance between the N users and the M banking nodes, and the first user quantity respectively associated with the M banking nodes is determined according to a first association result. And determining Z banking sites to be opened from the M banking sites in a mode that the number of first users is from large to small according to the number of teller and the number of first users respectively associated with the M banking sites by determining the number of teller for processing banking sites corresponding to the N users in the target time. Therefore, the users are divided according to the principle of closest distance, so that the banking outlets to be opened are determined according to the principle of maximum quantity, the requirement of the users for handling banking business is met, meanwhile, the fact that most of the users go to the banking outlets to be opened for handling banking non-business is guaranteed to be closer, effective management of the banking outlets under special conditions is achieved, and user experience is improved.
The application further provides a banking outlet management device aiming at the banking outlet management method provided by the embodiment.
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 outlet management apparatus 200 includes a determination unit 201 and an association unit 202:
the determining unit 201 is configured to determine N users who need to transact banking business in a target time;
the association unit 202 is configured to associate the N users to the banking outlets closest to the N users according to the distances between the N users and the M banking outlets, and determine, according to a first association result, the first number of users respectively associated with the M banking outlets;
the determining unit 201 is further configured to determine the number of teller that processes banking corresponding to the N users in the target time;
the determining unit 201 is further configured to determine, from the M banking sites, Z banking sites to be opened according to the number of teller and the number of first users respectively associated with the M banking sites, in a manner that the number of first users is from large to small; wherein Z is not greater than M.
In a possible implementation manner, the association unit is further configured to re-associate the N users to a banking node closest to the Z banking nodes according to distances between the N users and the Z banking nodes, and determine, according to a second association result, a second number of users respectively associated with the Z banking nodes;
the determining unit 201 is further configured to determine whether the number of second users corresponding to the target website satisfies an open condition if the target website is any one of the Z banking websites; if yes, opening the target network point in 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 acquisition unit is used for acquiring the business information to be handled corresponding to the N users;
the determining unit 201 is configured to determine, according to the to-be-handled service information, the number of teller units that process banking services corresponding to the N users within the target time by using a banking website management model.
In one possible implementation, the to-Do service information includes an amount of to-Do service and a type of to-Do service.
In a possible implementation manner, the obtaining unit is further configured to obtain historical service information of the bank in a specified time and a specified number of teller corresponding to the historical service information;
the determining unit 201 is further configured to determine a training sample according to the historical service information and the specified number of teller; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
the device further comprises a training unit:
the training unit is used for training the pre-constructed undetermined network model by utilizing the training sample to obtain the banking website management model.
In one possible implementation manner, the obtaining unit is configured to obtain, according to a bank client corresponding to the bank, to-be-handled service information of the bank in a target time; the to-be-handled business information is determined by the user through the bank client.
In a possible implementation manner, the apparatus further includes a notification unit:
the notification unit is used for notifying the N users and the staff of the Z banking sites in a message prompt mode, and opening the messages of the Z banking sites in the target time.
According to the banking node management device provided by the embodiment, N users needing to transact banking business in target time are determined, then the N users are associated to the banking node closest to the N users according to the distance between the N users and the M banking nodes, and the first user quantity respectively associated with the M banking nodes is determined according to a first association result. And determining Z banking sites to be opened from the M banking sites in a mode that the number of first users is from large to small according to the number of teller and the number of first users respectively associated with the M banking sites by determining the number of teller for processing banking sites corresponding to the N users in the target time. Therefore, the users are divided according to the principle of closest distance, so that the banking outlets to be opened are determined according to the principle of maximum quantity, the requirement of the users for handling banking business is met, meanwhile, the fact that most of the users go to the banking outlets to be opened for handling banking non-business is guaranteed to be closer, effective management of the banking outlets under special conditions is achieved, and user experience is improved.
The embodiment of the application also provides equipment for managing the banking outlets, which comprises 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.
Embodiments of the present application also provide a computer-readable storage medium for storing a computer program for executing the method described in the above aspect.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the above method embodiments may be implemented by hardware related to program instructions, where the above program may be stored in a computer readable storage medium, and when the program is executed, the program performs steps including the above method embodiments; and the aforementioned storage medium may be at least one of the following media: read-only memory (ROM), RAM, magnetic disk or optical disk, etc., which can store program codes.
It should be noted that, in the present specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment is mainly described in a different point from other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, with reference to the description of the method embodiments in part. The apparatus and system embodiments described above are merely illustrative, in which elements illustrated as separate elements may or may not be physically separate, and elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present application without undue burden.
The foregoing 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 easily contemplated by those skilled in the art within the technical scope of the present application should be included in the scope of the present application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims (9)

1. A method of banking outlet management, the method comprising:
determining N users needing to transact banking business in target time;
according to the distances between the N users and the M banking sites, the N users are associated to the banking site closest to the banking site, and the first user quantity respectively associated with the M banking sites is determined according to a first association result;
determining the number of teller for processing banking business corresponding to the N users in the target time;
according to the number of teller and the number of first users respectively associated with the M banking sites, determining Z banking sites to be opened from the M banking sites in a mode that the number of the first users is from large to small; wherein Z is not greater than M; the method specifically comprises the following steps: judging whether the number of the incumbent teller is larger than that of the teller in the first banking network with the largest number of the first users in the M banking network, if so, opening the first banking network; otherwise, opening the first bank network node, judging whether the total number of the incumbent teller is larger than the number of teller, if so, opening the first bank network node and the second bank network node, if not, opening the first bank network node and the second bank network node, continuously judging whether the total number of the incumbent teller of the third bank network node before the first user number is larger than the number of teller, until the total number of the incumbent teller of the bank network node Z before the first user number is larger than the number of teller, and opening the bank network node of Z before the first user number.
2. The method according to claim 1, wherein the method further comprises:
re-associating the N users to the banking outlets closest to the Z banking outlets according to the distances between the N users and the Z banking outlets, and determining the second user quantity respectively associated with the Z banking outlets according to a second association result;
if the target website is any one of the Z banking websites, determining whether the second user quantity corresponding to the target website meets an opening condition;
if yes, opening the target network point in 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 teller machines that process banking corresponding to the N users in the target time comprises:
acquiring the business information to be handled corresponding to the N users;
and determining the quantity of teller of banking business corresponding to the N users within the target time by using a banking website management model according to the information of the business to be handled.
4. The method of claim 3, wherein the to-Do business information includes an amount of to-Do business and a type of to-Do business.
5. The method of claim 4, wherein the banking outlet management model is derived by a training process comprising:
acquiring historical service information of the bank in a specified time and the number of specified teller corresponding to the historical service information;
determining training samples according to the historical service information and the number of the appointed teller; the training sample comprises a service type and a service handling capacity corresponding to each service in the historical service information;
and training the pre-constructed undetermined network model by using the training sample to obtain the banking website management model.
6. The method according to claim 1, wherein the method further comprises:
notifying the N users and the staff of the Z banking sites in a message prompting mode, and opening the messages of the Z banking sites in the target time.
7. A banking outlet management device, characterized in that the device comprises a determination unit and an association unit:
the determining unit is used for determining N users needing to transact banking business in target time;
the association unit is used for associating the N users to the banking outlets closest to the N users according to the distances between the N users and the M banking outlets, and determining the first user quantity respectively associated with the M banking outlets according to a first association result;
the determining unit is further used for determining the number of teller for processing banking business corresponding to the N users in the target time;
the determining unit is further configured to determine, from the M banking sites, Z banking sites to be opened according to the number of teller and the number of first users respectively associated with the M banking sites, in a manner that the number of first users is from large to small; wherein Z is not greater than M; the method is particularly used for: judging whether the number of the incumbent teller is larger than that of the teller in the first banking network with the largest number of the first users in the M banking network, if so, opening the first banking network; otherwise, opening the first bank network node, judging whether the total number of the incumbent teller is larger than the number of teller, if so, opening the first bank network node and the second bank network node, if not, opening the first bank network node and the second bank network node, continuously judging whether the total number of the incumbent teller of the third bank network node before the first user number is larger than the number of teller, until the total number of the incumbent teller of the bank network node Z before the first user number is larger than the number of teller, and opening the bank network node of Z before the first user number.
8. An apparatus for banking outlets 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 1-6 according to instructions in the program code.
9. A computer readable storage medium, characterized in that the computer readable storage medium is for storing a computer program for executing the method of any one of claims 1-6.
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Citations (2)

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Publication number Priority date Publication date Assignee Title
CN104700203A (en) * 2015-01-15 2015-06-10 北京农业信息技术研究中心 Method and device for planning logistics distribution nodes
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

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104700203A (en) * 2015-01-15 2015-06-10 北京农业信息技术研究中心 Method and device for planning logistics distribution nodes
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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