CN115760336A

CN115760336A - Method and device for correcting waiting time threshold of bank system

Info

Publication number: CN115760336A
Application number: CN202211481027.8A
Authority: CN
Inventors: 朱江波
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-11-24
Filing date: 2022-11-24
Publication date: 2023-03-07

Abstract

The invention provides a method and a device for correcting a waiting time threshold of a bank system, which are applied to the technical field of finance, and the method comprises the following steps: selecting two service dimensions; determining a plurality of controllable traffic matrixes corresponding to each time difference value according to the service data of the bank system and two service dimensions; for each user of the bank system, determining a business volume matrix corresponding to the user according to the business data of the user, the business data of the associated user of the user and two business dimensions; determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the controllable traffic matrices corresponding to the time difference values; determining a time-to-risk threshold for the user; and issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold. The invention can correct the waiting time threshold of the bank system.

Description

Method and device for correcting waiting time threshold of bank system

Technical Field

The invention relates to the technical field of finance, in particular to a method and a device for correcting a waiting time threshold of a bank system.

Background

The banking system sets a wait time for the customer's business transaction. When the business transaction of the customer exceeds the waiting time, the bank system automatically logs out from the account of the customer to log in, so that the fund security of the customer can be protected. Currently, this waiting time is set by human experience and may present a risk to some customers.

Disclosure of Invention

The embodiment of the invention provides a method for correcting a waiting time threshold of a bank system, which is used for correcting the waiting time threshold of the bank system and comprises the following steps:

selecting two service dimensions;

determining a plurality of controllable traffic matrixes corresponding to each time difference value according to the service data of the bank system and two service dimensions;

for each user of the bank system, determining a traffic matrix corresponding to the user according to the service data of the user, the service data of the user associated with the user and two service dimensions;

determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the plurality of controllable traffic matrices corresponding to the time difference values;

determining a risk time threshold of the user according to the potential time difference value corresponding to the user and the corresponding service time threshold;

and issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold.

The embodiment of the invention provides a device for correcting a waiting time threshold of a bank system, which is used for correcting the waiting time threshold of the bank system and comprises the following components:

the service dimension selecting module is used for selecting two service dimensions;

the controllable traffic matrix determining module is used for determining a plurality of controllable traffic matrices corresponding to each time difference value according to the service data of the bank system and the two service dimensions;

the system comprises a business volume matrix determining module, a business volume matrix determining module and a business volume matrix determining module, wherein the business volume matrix determining module is used for determining a business volume matrix corresponding to each user of a bank system according to business data of the user, business data of a related user of the user and two business dimensions;

a potential time difference value determining module, configured to determine a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the multiple controllable traffic matrices corresponding to each time difference value;

a risk time threshold determining module, configured to determine a risk time threshold of the user according to the potential time difference corresponding to the user and the corresponding service time threshold;

and the risk control module is used for issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the method for correcting the waiting time threshold of the bank system is realized.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for correcting the waiting time threshold of the banking system is implemented.

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 method for correcting the waiting time threshold of the banking system is implemented.

In the embodiment of the invention, two service dimensions are selected; determining a plurality of controllable business quantity matrixes corresponding to each time difference value according to business data of a bank system and two business dimensions; for each user of the bank system, determining a business volume matrix corresponding to the user according to the business data of the user, the business data of the associated user of the user and two business dimensions; determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the controllable traffic matrices corresponding to the time difference values; determining a risk time threshold of the user according to the potential time difference value corresponding to the user and the corresponding service time threshold; and issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold. In the process, the risk time threshold of the user is finally determined by determining the service dimension, the controllable service quantity matrix and the like, so that the risk control of the service is realized.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings 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 of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a flow chart of a method of modifying a latency threshold of a banking system in an embodiment of the present invention;

FIG. 2 is a flow chart of determining a controllable traffic matrix according to an embodiment of the present invention;

FIG. 3 is a flowchart illustrating the determination of a business risk modular length and a business failure modular length according to an embodiment of the present invention;

fig. 4 is a specific flowchart of controllable traffic matrix determination according to an embodiment of the present invention;

FIG. 5 is a flow chart of determining a traffic matrix in an embodiment of the present invention;

FIG. 6 is a flowchart of determining a traffic duration in an embodiment of the present invention;

FIG. 7 is a flow chart of determining potential time difference values in an embodiment of the present invention;

FIG. 8 is a flow chart of determining a traffic gap modular length in an embodiment of the present invention;

FIG. 9 is a diagram illustrating an apparatus for modifying a latency threshold of a banking system in accordance with an embodiment of the present invention;

FIG. 10 is a diagram of a computer device in an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a 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 embodiment or example of the application. In this specification, the schematic representations of the terms used above 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 the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

Fig. 1 is a flowchart of a method for correcting a waiting time threshold of a banking system according to an embodiment of the present invention, as shown in fig. 1, including:

step 101, selecting two service dimensions; such as user category and traffic category;

step 102, determining a plurality of controllable traffic matrixes corresponding to each time difference value according to the service data of the bank system and two service dimensions;

103, for each user of the bank system, determining a traffic matrix corresponding to the user according to the service data of the user, the service data of the user associated with the user and two service dimensions;

104, determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the plurality of controllable traffic matrices corresponding to the time difference values;

step 105, determining a risk time threshold of the user according to the potential time difference value corresponding to the user and the corresponding service time threshold; if so, determining a time difference value corresponding to the user according to the potential time difference value corresponding to the user; taking the difference between the service time threshold value corresponding to the user and the corresponding time difference value as the risk time threshold value of the user;

and 106, issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold.

Fig. 2 is a flowchart of determining a controllable traffic matrix in an embodiment of the present invention, and in an embodiment, determining multiple controllable traffic matrices corresponding to time difference values according to service data of a banking system and two service dimensions includes:

step 201, regarding each service data of the banking system, taking the difference between the service time threshold corresponding to the service data and the corresponding service transaction time as the time difference corresponding to the transaction waiting time;

step 202, regarding each time difference value, taking the service data of which the corresponding time difference value is equal to the time difference value as the service data of the time difference value;

step 203, dividing the service data of the time difference into a plurality of service data sets of the time difference;

step 204, determining a service risk modular length and a service failure modular length corresponding to each service data set of the time difference value according to the two service dimensions;

step 205, determining a plurality of selectable service data sets of the time difference according to the service risk modular length and the service failure modular length; for example, for each service data set of the time difference, when the service risk modular length corresponding to the service data set is smaller than a risk threshold and the service failure modular length corresponding to the service data set is smaller than a failure threshold, the service data set is used as an optional service data set of the time difference;

step 206, determining a plurality of controllable traffic matrices corresponding to the time difference according to the plurality of selectable service data sets of the time difference and the two service dimensions.

Fig. 3 is a flowchart of determining a business risk modular length and a business failure modular length in an embodiment of the present invention, and in an embodiment, determining a business risk modular length and a business failure modular length corresponding to each business data set of the time difference according to the two business dimensions includes:

step 301, determining values of two service dimensions corresponding to each service data in the service data set, and forming a dimension value combination;

step 302, for each dimension value combination of two service dimensions, selecting service data of which the dimension value combination formed by the values corresponding to the two service dimensions is the dimension value combination from the service data set; taking the proportion of the failure business data in the selected business data as the failure rate of the business data set about the dimension value combination, and taking the proportion of the risk business data in the selected business data as the risk proportion of the business data set about the dimension value combination;

step 303, determining a service failure matrix corresponding to the service data set, wherein rows and columns of the service failure matrix respectively correspond to the two service dimensions; for each element of the service failure matrix, taking the failure rate of the service data set relative to the combination of the dimension values formed by the corresponding row and column of the element as the value of the element;

step 304, when the two service dimensions are the same in number, taking the maximum value of the modular length of the eigenvalue of the service failure matrix corresponding to the service data set as the service failure modular length corresponding to the service data set; otherwise, according to the difference between the quantities of the two service dimensions, 0 is supplemented to the service failure matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 eigenvalue of the square matrix is used as the service failure modular length corresponding to the service data set;

step 305, determining a business risk matrix corresponding to the business data set, wherein rows and columns of the business risk matrix respectively correspond to the two business dimensions; for each element of the business risk matrix, taking the risk ratio of the business data set relative to the dimension value combination formed by the corresponding row and column of the element as the value of the element;

step 306, when the two business dimensions are the same in number, taking the maximum value of the modular length of the characteristic value of the business risk matrix corresponding to the business data set as the business risk modular length corresponding to the business data set; otherwise, according to the quantity difference of the two service dimensions, 0 is supplemented to the service risk matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 characteristic value of the square matrix is used as the service risk modular length corresponding to the service data set.

Fig. 4 is a specific flowchart of determining a controllable traffic matrix in an embodiment of the present invention, where in an embodiment, determining a plurality of controllable traffic matrices corresponding to the time difference according to a plurality of selectable service data sets of the time difference and two service dimensions includes:

step 401, for each optional service data set of the time difference, determining a value of each service data in the optional service data set corresponding to the two service dimensions;

step 402, for each dimension value combination of the two service dimensions, selecting service data of which the dimension value combination is the dimension value combination corresponding to the dimension value combination of the two service dimensions from the selectable service data set; the service quantity contained in the selected service data is used as the service quantity of the optional service data set about the dimension value combination;

step 403, determining a traffic matrix corresponding to the controllable service data set, where rows and columns of the traffic matrix respectively correspond to the two service dimensions; for each element of the traffic matrix, taking the traffic of the controllable traffic data set relative to the dimension value combination formed by the corresponding row and column of the element as the value of the element;

step 404, taking the traffic matrix corresponding to the controllable service data set as the controllable traffic matrix corresponding to the time difference.

Fig. 5 is a flowchart of determining a traffic matrix in an embodiment of the present invention, and in an embodiment, for each user of a banking system, determining a traffic matrix corresponding to the user according to the service data of the user, the service data of an associated user of the user, and two service dimensions includes:

step 501, using the service data of the user and the service data of the user associated with the user as potential service data of the user;

step 502, setting a plurality of continuous historical periods, and taking the combination of any two historical periods as a period pair;

step 503, for each history period, determining a traffic matrix of the user in the history period according to the potential service data of the user in the history period and the two service dimensions;

step 504, for each epoch pair, performs the following steps:

step 505, taking the matrix difference of the traffic matrixes of the user in the two historical periods of the period pair as the difference matrix of the period pair; according to the row number and the column number of the difference matrix of the time period pair, 0 is supplemented to the difference matrix of the time period pair to obtain a square matrix; determining the modular length of the non-0 characteristic value of the obtained square matrix, and taking the maximum value of the determined modular length as the time difference modular length of the time pair;

step 506, determining the service duration of the user according to the time difference modular length of each time pair;

step 507, selecting a period of which the time difference with the current period is less than the service duration of the user from the period before the current period, and taking the potential service data of the user in the selected period as the current potential service data of the user;

step 508, determining a traffic matrix of the user in the current period according to the current potential service data of the user and the two service dimensions.

Fig. 6 is a flowchart of determining a traffic duration according to an embodiment of the present invention, in which in an embodiment, determining a traffic duration of the user according to a time difference modulo length of each time pair includes:

step 601, regarding each history period, taking the history period which is before and immediately next to the history period as a current period;

step 602, taking the combination of the current time interval and the historical time interval as a time period pair corresponding to the current time interval;

step 603, the following steps are executed in a loop until the period difference modulo length of the period pair corresponding to the current period is greater than the first modulo length threshold:

step 604, taking the historical period immediately before and after the current period as an alternative period; updating the current time interval to an alternative time interval;

step 605, when the time difference modular length of the time period pair corresponding to the current time period is smaller than the modular length threshold, taking the time difference between the two time periods included in the time period pair corresponding to the current time period as the potential traffic duration of the user;

step 606, the maximum value of the potential traffic duration of the user is taken as the traffic duration of the user.

Fig. 7 is a flowchart of determining a potential time difference value in an embodiment of the present invention, and in an embodiment, determining a potential time difference value corresponding to the banking system according to a traffic matrix corresponding to the banking system and a plurality of controllable traffic matrices corresponding to each time difference value includes:

step 701, for each time difference, determining a business difference modular length corresponding to the time difference according to a business volume matrix corresponding to the bank system and a plurality of controllable business volume matrices corresponding to the time difference;

step 702, determining a potential time difference value corresponding to the banking system according to the business difference module length corresponding to each time difference value.

Fig. 8 is a flowchart of determining a service gap length according to an embodiment of the present invention, where in an embodiment, for each time difference, the determining a service gap length corresponding to the time difference according to a service matrix corresponding to the banking system and a plurality of controllable service matrices corresponding to the time difference includes:

step 801, for each controllable traffic matrix corresponding to the time difference, determining a traffic difference matrix corresponding to the controllable traffic matrix according to the controllable traffic matrix and a traffic matrix corresponding to the banking system; correcting the controllable business volume matrix according to the business volume matrix corresponding to the bank system; taking the difference between the corrected controllable traffic matrix and the traffic matrix corresponding to the bank system as a traffic difference matrix corresponding to the controllable traffic matrix;

step 802, when the number of rows of the traffic difference matrix corresponding to the controllable traffic matrix is equal to the number of columns, taking the maximum value of the modular length of the characteristic value of the traffic difference matrix corresponding to the controllable traffic matrix as the traffic difference modular length corresponding to the controllable traffic matrix, otherwise, according to the number of rows and the number of columns, performing 0-complementing on the traffic difference matrix corresponding to the controllable traffic matrix to obtain a square matrix, and taking the maximum value of the modular length of the non-0 characteristic value of the square matrix as the traffic difference modular length corresponding to the controllable traffic matrix;

step 803, the minimum value of the service gap modular lengths corresponding to the controllable traffic matrices corresponding to the time difference is used as the service gap modular length corresponding to the time difference.

In an embodiment, determining the potential time difference value corresponding to the banking system according to the business difference module length corresponding to each time difference value includes:

determining whether a time difference value exists, wherein the time difference value meets the condition t: the service difference modular lengths corresponding to the time difference values are all smaller than a second modular length threshold value;

when the time difference value does not exist and meets the condition t, taking the associated user of the user as the current user, and circularly executing the following 4 steps until the time difference value meets the condition t:

determining a plurality of associated users of a current user;

updating a traffic matrix corresponding to a user according to the service data of a plurality of associated users of the current user;

updating the service difference modular length corresponding to the time difference value according to the updated service quantity matrix corresponding to the user and the plurality of controllable service quantity matrices corresponding to the time difference values;

updating the current user to the plurality of associated users;

and when the time difference value meets the condition t, taking the time difference value meeting the condition t as a potential time difference value corresponding to the bank system.

In an embodiment, the method further comprises determining the associated user of each user according to the following method:

sending a correlation information acquisition request to each branch office, wherein the correlation information acquisition request comprises: user collection and set hash function;

each branch institution acquires the associated user corresponding to each user in the user set prestored by the branch institution and the associated value of each user and the corresponding associated user;

the branch organization pre-stores the hash value of the identity information of the associated user corresponding to each user in the user set as the associated user fingerprint corresponding to the user according to a set hash function; taking the association value of the user and each corresponding associated user as the association value of the associated user fingerprint corresponding to the user and the associated user;

receiving the associated user fingerprints corresponding to all users in the user set determined by all branches and the associated values of all users and the corresponding associated user fingerprints;

for each user in the user set, taking a set formed by associated user fingerprints corresponding to the user pre-stored by each branch organization as the associated user fingerprint corresponding to the user;

for each associated user fingerprint corresponding to the user, taking the pre-stored associated user fingerprint corresponding to the user, which contains the branch mechanism of the associated user fingerprint, as the branch mechanism corresponding to the associated user fingerprint;

for each branch organization corresponding to the fingerprint of the associated user, taking the correlation value of the user and the fingerprint of the associated user, which is prestored by the branch organization, as the correlation value of the user and the fingerprint of the associated user at the branch organization;

determining the correlation values of the user and the fingerprint of the correlation user according to the correlation values of the user and the fingerprint of the correlation user at the corresponding branches;

for any two users, if the associated user fingerprints exist and meet the condition that the associated user fingerprints are the associated user fingerprints corresponding to each of the two users, taking the associated user fingerprints as the common user fingerprints corresponding to the two users;

for each public user fingerprint corresponding to the two users, taking the product of the correlation values of the two users and the public user fingerprint as the correlation product corresponding to the public user fingerprint;

taking the maximum value of the correlation product corresponding to the fingerprints of each public user corresponding to the two users as the correlation value corresponding to the two users;

and determining the associated users of each user in the user set according to the associated values among the users in the user set.

In one embodiment, the method includes determining the failure threshold and the risk threshold as follows:

for each time difference, when no failure code in the service data of the time difference is failure service data with an overtime error value, the service failure length corresponding to the time difference is used as a potential failure threshold value, wherein the overtime error value is a failure code generated when the service handling time of the user exceeds a service time threshold value;

determining a failure threshold value according to the potential failure threshold value;

when no risk business data with the risk type being a specific risk type exists in the business data with the time difference, the business risk modular length corresponding to the time difference is used as a potential risk threshold, wherein the specific risk type is a risk type caused by the fact that a user does not quit a bank system after handling business;

a risk threshold is determined from the potential risk threshold.

In summary, in the method provided in the embodiment of the present invention, two service dimensions are selected; determining a plurality of controllable traffic matrixes corresponding to each time difference value according to the service data of the bank system and two service dimensions; for each user of the bank system, determining a business volume matrix corresponding to the user according to the business data of the user, the business data of the associated user of the user and two business dimensions; determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the plurality of controllable traffic matrices corresponding to the time difference values; determining a risk time threshold of the user according to the potential time difference value corresponding to the user and the corresponding service time threshold; and issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold. In the process, the risk time threshold of the user is finally determined by determining the service dimension, the controllable service quantity matrix and the like, so that the risk control of the service is realized.

The embodiment of the invention also provides a device for correcting the waiting time threshold of the bank system, the principle of which is similar to that of the method for correcting the waiting time threshold of the bank system, and the details are not repeated here.

Fig. 9 is a schematic diagram of an apparatus for correcting a waiting time threshold of a banking system according to an embodiment of the present invention, including:

a service dimension selecting module 901, configured to select two service dimensions;

a controllable traffic matrix determining module 902, configured to determine, according to the service data of the banking system and the two service dimensions, multiple controllable traffic matrices corresponding to each time difference;

a traffic matrix determining module 903, configured to determine, for each user of the banking system, a traffic matrix corresponding to the user according to the service data of the user, the service data of the user associated with the user, and the two service dimensions;

a potential time difference value determining module 904, configured to determine a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the multiple controllable traffic matrices corresponding to each time difference value;

a risk time threshold determining module 905, configured to determine a risk time threshold of the user according to the potential time difference corresponding to the user and the corresponding service time threshold;

and a risk control module 906, configured to issue the risk time threshold of the user to the mobile terminal of the user, where the mobile terminal of the user performs risk control on the service of the user according to the received risk time threshold.

In an embodiment, the controllable traffic matrix determining module is specifically configured to:

for each service data of the banking system, taking the difference between the service time threshold corresponding to the service data and the corresponding service handling time as a time difference value corresponding to the transaction waiting time;

for each time difference, the service data of which the corresponding time difference is equal to the time difference is taken as the service data of the time difference;

dividing the service data of the time difference into a plurality of service data sets of the time difference;

determining a service risk modular length and a service failure modular length corresponding to each service data set of the time difference value according to the two service dimensions;

determining a plurality of optional service data sets of the time difference value according to the service risk modular length and the service failure modular length;

and determining a plurality of controllable traffic matrixes corresponding to the time difference value according to the plurality of optional service data sets of the time difference value and the two service dimensions.

determining the value of each service data in the service data set corresponding to two service dimensions to form a dimension value combination;

for each dimension value combination of two service dimensions, selecting service data of which the dimension value combination is formed by corresponding values of the two service dimensions from the service data set; taking the proportion of failed business data in the selected business data as the failure rate of the business data set about the dimension value combination, and taking the proportion of risk business data in the selected business data as the risk proportion of the business data set about the dimension value combination;

determining a service failure matrix corresponding to the service data set, wherein rows and columns of the service failure matrix respectively correspond to the two service dimensions; for each element of the service failure matrix, taking the failure rate of the service data set relative to the combination of the dimension values formed by the corresponding row and column of the element as the value of the element;

when the number of the two service dimensions is the same, taking the maximum value of the modular length of the characteristic value of the service failure matrix corresponding to the service data set as the service failure modular length corresponding to the service data set; otherwise, according to the difference between the quantities of the two service dimensions, 0 is supplemented to the service failure matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 eigenvalue of the square matrix is used as the service failure modular length corresponding to the service data set;

determining a business risk matrix corresponding to the business data set, wherein the rows and the columns of the business risk matrix respectively correspond to the two business dimensions; for each element of the business risk matrix, taking the risk ratio of the business data set relative to the dimension value combination formed by the corresponding row and column of the element as the value of the element;

when the number of the two service dimensions is the same, taking the maximum value of the modular length of the characteristic value of the service risk matrix corresponding to the service data set as the service risk modular length corresponding to the service data set; otherwise, according to the quantity difference of the two service dimensions, 0 is supplemented to the service risk matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 characteristic value of the square matrix is used as the service risk modular length corresponding to the service data set.

for each optional service data set of the time difference value, determining the value of each service data in the optional service data set corresponding to the two service dimensions;

for each dimension value combination of the two service dimensions, selecting the service data of which the dimension value combination formed by the values corresponding to the two service dimensions is the dimension value combination from the selectable service data set; the service quantity contained in the selected service data is used as the service quantity of the optional service data set about the dimension value combination;

determining a traffic matrix corresponding to the controllable service data set, wherein rows and columns of the traffic matrix respectively correspond to the two service dimensions; for each element of the traffic matrix, taking the traffic of the dimension value combination formed by the corresponding row and column of the controllable service data set as the value of the element;

and taking the traffic matrix corresponding to the controllable service data set as the controllable traffic matrix corresponding to the time difference.

In an embodiment, the traffic matrix determining module is specifically configured to:

the service data of the user and the service data of the associated user of the user are used as potential service data of the user;

setting a plurality of continuous historical periods, and taking the combination of any two historical periods as a period pair;

for each historical period, determining a traffic matrix of the user in the historical period according to the potential service data of the user in the historical period and the two service dimensions;

for each epoch pair, the following steps are performed:

taking the matrix difference of the traffic matrixes of the user in the two historical periods of the period pair as the difference matrix of the period pair; according to the row number and the column number of the difference matrix of the period pair, 0 is supplemented to the difference matrix of the period pair to obtain a square matrix; determining the modular length of the non-0 characteristic value of the obtained square matrix, and taking the maximum value of the determined modular length as the time difference modular length of the time pair;

determining the service volume duration of the user according to the time difference modular length of each time pair;

selecting a period of which the time difference with the current period is less than the service volume duration of the user from the period before the current period, and taking the potential service data of the user in the selected period as the current potential service data of the user;

and determining a traffic matrix of the user in the current period according to the current potential service data of the user and the two service dimensions.

for each history period, taking the history period which is before and immediately next to the history period as a current period;

taking the combination of the current time interval and the historical time interval as a time period pair corresponding to the current time interval;

the following steps are executed in a circulating manner until the time period difference modular length of the time period pair corresponding to the current time period is greater than the first modular length threshold value:

taking a history period which is before and immediately next to the current period as an alternative period; updating the current time interval to an alternative time interval;

when the time difference modular length of the time period pair corresponding to the current time period is smaller than the modular length threshold value, taking the time difference of the two time periods contained in the time period pair corresponding to the current time period as the potential service volume duration of the user;

and taking the maximum value of the potential traffic duration of the user as the traffic duration of the user.

In an embodiment, the potential time difference value determining module is specifically configured to:

for each time difference, determining a business difference module length corresponding to the time difference according to a business matrix corresponding to the bank system and a plurality of controllable business matrixes corresponding to the time difference;

and determining the potential time difference value corresponding to the bank system according to the business difference module length corresponding to each time difference value.

for each controllable traffic matrix corresponding to the time difference value, determining a traffic difference matrix corresponding to the controllable traffic matrix according to the controllable traffic matrix and a traffic matrix corresponding to the banking system;

when the number of rows of the traffic difference matrix corresponding to the controllable traffic matrix is equal to the number of columns, taking the maximum value of the modular length of the characteristic value of the traffic difference matrix corresponding to the controllable traffic matrix as the traffic difference modular length corresponding to the controllable traffic matrix, otherwise, according to the number of rows and the number of columns, performing 0-complementing on the traffic difference matrix corresponding to the controllable traffic matrix to obtain a square matrix, and taking the maximum value of the modular length of the non-0 characteristic value of the square matrix as the traffic difference modular length corresponding to the controllable traffic matrix;

and taking the minimum value of the service difference modular lengths corresponding to the controllable service quantity matrixes corresponding to the time difference as the service difference modular length corresponding to the time difference.

In summary, in the apparatus provided in the embodiment of the present invention, two service dimensions are selected; determining a plurality of controllable traffic matrixes corresponding to each time difference value according to the service data of the bank system and two service dimensions; for each user of the bank system, determining a traffic matrix corresponding to the user according to the service data of the user, the service data of the user associated with the user and two service dimensions; determining a potential time difference value corresponding to the user according to the traffic matrix corresponding to the user and the plurality of controllable traffic matrices corresponding to the time difference values; determining a risk time threshold of the user according to the potential time difference corresponding to the user and the corresponding service time threshold; and issuing the risk time threshold of the user to the mobile terminal of the user, wherein the mobile terminal of the user carries out risk control on the service of the user according to the received risk time threshold. In the process, the risk time threshold of the user is finally determined by determining the service dimension, the controllable service quantity matrix and the like, so that the risk control of the service is realized.

Fig. 10 is a schematic diagram of a computer device in an embodiment of the present invention, where the computer device 1000 includes a memory 1010, a processor 1020, and a computer program 1030 stored in the memory 1010 and executable on the processor 1020, and when the processor 1020 executes the computer program 1030, the method for modifying the latency threshold of the banking system is implemented.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for correcting a waiting time threshold of a banking system is implemented.

It will be appreciated by one skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. 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 service system embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program business systems according to embodiments of the invention. It will be understood that each flow and/or block of 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 a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method of modifying a latency threshold of a banking system, comprising:

selecting two service dimensions;

determining a risk time threshold of the user according to the potential time difference corresponding to the user and the corresponding service time threshold;

2. The method of claim 1, wherein determining a plurality of controllable traffic matrices for each time difference based on the business data of the banking system and two business dimensions comprises:

for each business data of the bank system, taking the difference between the business time threshold value corresponding to the business data and the corresponding business handling time as the time difference value corresponding to the transaction waiting time;

for each time difference value, the service data of which the corresponding time difference value is equal to the time difference value is taken as the service data of the time difference value;

and determining a plurality of controllable traffic matrixes corresponding to the time difference value according to the plurality of selectable service data sets of the time difference value and the two service dimensions.

3. The method of claim 2, wherein determining the service risk modular length and the service failure modular length corresponding to each service data set of the time difference value according to the two service dimensions comprises:

for each dimension value combination of two service dimensions, selecting service data of which the dimension value combination is formed by corresponding values of the two service dimensions from the service data set; taking the proportion of the failure business data in the selected business data as the failure rate of the business data set about the dimension value combination, and taking the proportion of the risk business data in the selected business data as the risk proportion of the business data set about the dimension value combination;

when the two service dimensions are the same in quantity, taking the maximum value of the modular length of the characteristic value of the service risk matrix corresponding to the service data set as the service risk modular length corresponding to the service data set; otherwise, according to the quantity difference of the two service dimensions, 0 is supplemented to the service risk matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 characteristic value of the square matrix is used as the service risk modular length corresponding to the service data set.

4. The method of claim 2, wherein determining a plurality of controllable traffic matrices corresponding to the time difference according to a plurality of selectable service data sets and two service dimensions of the time difference comprises:

for each dimension value combination of the two service dimensions, selecting service data of which the dimension value combination is formed by the values corresponding to the two service dimensions from the optional service data set; taking the service quantity contained in the selected service data as the service quantity of the selectable service data set relative to the dimension value combination;

determining a traffic matrix corresponding to the controllable service data set, wherein rows and columns of the traffic matrix respectively correspond to the two service dimensions; for each element of the traffic matrix, taking the traffic of the controllable traffic data set relative to the dimension value combination formed by the corresponding row and column of the element as the value of the element;

5. The method as claimed in claim 1, wherein for each user of the banking system, determining the traffic matrix corresponding to the user according to the service data of the user, the service data of the associated user of the user, and two service dimensions comprises:

taking the service data of the user and the service data of the associated user of the user as potential service data of the user;

for each historical period, determining a traffic matrix of the user in the historical period according to the potential traffic data of the user in the historical period and the two traffic dimensions;

for each epoch pair, the following steps are performed:

6. The method of claim 5, wherein determining the duration of traffic for the user based on the time period difference modulo length for each time period pair comprises:

when the time difference modular length of the time period pair corresponding to the current time period is smaller than the modular length threshold value, taking the time difference of the two time periods contained in the time period pair corresponding to the current time period as the potential traffic duration of the user;

7. The method as claimed in claim 1, wherein determining the potential time difference value corresponding to the banking system according to the traffic matrix corresponding to the banking system and the plurality of controllable traffic matrices corresponding to the respective time difference values comprises:

for each time difference, determining a business difference modular length corresponding to the time difference according to a business quantity matrix corresponding to the bank system and a plurality of controllable business quantity matrixes corresponding to the time difference;

and determining the potential time difference value corresponding to the bank system according to the business difference modular length corresponding to each time difference value.

8. The method as claimed in claim 7, wherein for each time difference, determining the service difference modular length corresponding to the time difference according to the service matrix corresponding to the banking system and the plurality of controllable service matrices corresponding to the time difference, comprises:

when the number of rows of the traffic difference matrix corresponding to the controllable traffic matrix is equal to the number of columns, taking the maximum value of the modular length of the characteristic value of the traffic difference matrix corresponding to the controllable traffic matrix as the traffic difference modular length corresponding to the controllable traffic matrix, otherwise, according to the number of rows and the number of columns, performing 0-supplementing on the traffic difference matrix corresponding to the controllable traffic matrix to obtain a square matrix, and taking the maximum value of the modular length of the non-0 characteristic value of the square matrix as the traffic difference modular length corresponding to the controllable traffic matrix;

9. An apparatus for modifying a latency threshold of a banking system, comprising:

the risk time threshold determining module is used for determining the risk time threshold of the user according to the potential time difference value corresponding to the user and the corresponding service time threshold;

10. The apparatus of claim 9, wherein the controllable traffic matrix determination module is specifically configured to:

11. The apparatus of claim 10, wherein the controllable traffic matrix determination module is specifically configured to:

when the number of the two service dimensions is the same, taking the maximum value of the modular length of the characteristic value of the service failure matrix corresponding to the service data set as the service failure modular length corresponding to the service data set; otherwise, according to the difference between the numbers of the two service dimensions, 0 is supplemented to the service failure matrix corresponding to the service data set to obtain a square matrix, and the maximum value of the modular length of the non-0 characteristic value of the square matrix is used as the service failure modular length corresponding to the service data set;

12. The apparatus of claim 10, wherein the controllable traffic matrix determination module is specifically configured to:

for each optional service data set of the time difference, determining the value of each service data in the optional service data set corresponding to the two service dimensions;

13. The apparatus of claim 9, wherein the traffic matrix determination module is specifically configured to:

for each epoch pair, the following steps are performed:

taking the matrix difference of the traffic matrixes of the user in the two historical periods of the period pair as a difference matrix of the period pair; according to the row number and the column number of the difference matrix of the time period pair, 0 is supplemented to the difference matrix of the time period pair to obtain a square matrix; determining the modular length of the non-0 characteristic value of the obtained square matrix, and taking the maximum value of the determined modular length as the time difference modular length of the time pair;

14. The apparatus of claim 13, wherein the traffic matrix determination module is specifically configured to:

for each history period, taking the history period which is before and immediately adjacent to the history period as a current period;

taking the combination of the current time interval and the historical time interval as a time interval pair corresponding to the current time interval;

the following steps are executed in a loop until the time period difference modulo length of the time period pair corresponding to the current time period is greater than a first modulo length threshold value:

15. The apparatus of claim 9, wherein the potential time difference determination module is specifically configured to:

16. The apparatus of claim 15, wherein the potential time difference determination module is specifically configured to:

17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 8 when executing the computer program.

18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 8.

19. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 8.