Resource allocation method, device and equipment

Abstract

The embodiments of this specification provide a resource allocation method, device and equipment, which relate to the field of big data technology, wherein the method includes: obtaining a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches; based on the target resource transfer information set, determining the resource transfer feature vector of each branch; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to the target business type; determining the weights of multiple influencing factors corresponding to the target business type; and allocating resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch. In the embodiments of this specification, the resource allocation amount of each branch can be determined from the dimensions of multiple resource transfer characteristics, thereby improving the accuracy of resource allocation.

Description

Technical Field

[0001] The embodiments of this specification relate to the field of big data technology, and in particular to a resource allocation method, device and equipment. Background Art

[0002] In management accounting, if an accounting entity includes a head office and multiple levels of branches, the revenue and expenditure performance needs to be allocated to each branch according to the level to reflect the marketing performance of branches at each level and provide a basis for budgeting, assessment, resource allocation, and business analysis.

[0003] In the existing technology, the accounting subject divides the performance income and expenditure of the head office and branches based on the proportion of the overall turnover and the proportion of the overall profit of each branch. However, the performance of the branch is not only related to the overall business indicators, but also affected by many other factors, so it is impossible to accurately divide the performance based on a comprehensive analysis of big data. It can be seen that the performance sharing method in the existing technology cannot accurately divide the performance of each branch.

[0004] To address the above problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of this specification provide a resource allocation method, device and equipment to solve the problem of accurately dividing the performance of each branch in the prior art.

[0006] An embodiment of the present specification provides a resource allocation method, which obtains a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches; based on the target resource transfer information set, a resource transfer feature vector of each branch is determined; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to the target business type; weights of multiple influencing factors corresponding to the target business type are determined; and resources are allocated to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch.

[0007] The embodiments of the present specification also provide a resource allocation device, including: an acquisition module, used to obtain a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches; a first determination module, used to determine a resource transfer feature vector of each branch based on the target resource transfer information set; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to the target business type; a second determination model, used to determine the weights of multiple influencing factors corresponding to the target business type; a resource allocation module, used to allocate resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch.

[0008] The embodiment of the present specification also provides a resource allocation device, including a processor and a memory for storing processor-executable instructions, wherein the processor implements the steps of the resource allocation method when executing the instructions.

[0009] The embodiment of the present specification also provides a computer-readable storage medium on which computer instructions are stored, and the steps of the resource allocation method are implemented when the instructions are executed.

[0010] The embodiment of this specification provides a resource allocation method, which can obtain a target resource transfer information set of a target business type of a target organization within a target time period, and determine the resource transfer feature vector of each branch based on the target resource transfer information set, wherein the resource transfer feature vector contains resource transfer feature values ​​of multiple influencing factors corresponding to the target business type, so that the resource transfer situation corresponding to the target business type of each branch in the target organization within the target time period can be determined from multiple dimensions. Since the management goal focus of the target organization and the impact of different influencing factors on the resource transfer of the target business type will be different, the weights of the multiple influencing factors corresponding to the target business type can be determined, and resources can be allocated to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch. Therefore, the resource allocation amount of each branch can be determined from the dimensions of multiple resource transfer characteristics, thereby improving the accuracy of resource allocation. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The drawings described herein are used to provide a further understanding of the embodiments of this specification, constitute a part of the embodiments of this specification, and do not constitute a limitation of the embodiments of this specification. In the drawings:

[0012] Figure 1 is a schematic diagram of the steps of the resource allocation method provided in an embodiment of this specification;

[0013] Figure 2It is a schematic diagram of the association and weight between various influencing factors provided according to a specific embodiment of the embodiment of this specification;

[0014] Figure 3 is a schematic diagram of the structure of a resource allocation device provided according to an embodiment of this specification;

[0015] Figure 4 It is a structural diagram of a resource allocation device provided according to an embodiment of this specification. DETAILED DESCRIPTION

[0016] The principles and spirit of the embodiments of this specification will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the embodiments of this specification, and are not intended to limit the scope of the embodiments of this specification in any way. On the contrary, these embodiments are provided to make the disclosure of the embodiments of this specification more thorough and complete, and to fully convey the scope of the disclosure to those skilled in the art.

[0017] Those skilled in the art know that the implementation of the embodiments of this specification can be implemented as a system, device, method or computer program product. Therefore, the embodiments disclosed in this specification can be specifically implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0018] Although the processes described below include multiple operations that occur in a particular order, it should be clear that these processes may include more or fewer operations, which may be performed sequentially or in parallel (eg, using parallel processors or a multi-threaded environment).

[0019] See also Figure 1 This embodiment can provide a resource allocation method. The resource allocation method can be used to accurately allocate resources to each branch based on the dimensions of multiple influencing factors. The above resource allocation method can include the following steps.

[0020] S101: Obtain a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches.

[0021] In this embodiment, since the resource allocation of the branch offices is executed at a certain time interval, the target resource transfer information set of the target business type of the target organization within the target time period can be obtained. The target organization may include a head office and multiple branches, and the branches may refer to various departments in the company, or may be subordinate offices, branches or outlets, etc., which may be determined according to actual conditions, and the embodiments of this specification do not limit this.

[0022] In this embodiment, since the business characteristics of different types of business, the resource transfer information involved, etc. are different, resources can be allocated for different business types. The categories of business can be divided according to the business nature involved in the corresponding resource transfer, for example, business types can include third-party payment, bank financial products, etc., which can be determined according to actual conditions, and this specification embodiment does not limit this.

[0023] In this embodiment, the above-mentioned target resource transfer information set may include all resource transfer information corresponding to the target business type of the target organization within the target time period, and the above-mentioned resource transfer information may be used to characterize the resource transfer situation, and specifically, may include the resource transfer initiator, the resource transfer recipient, the resource transfer amount, the product business channel, the organization that executes the product business, the product types involved in the resource transfer, etc. In some embodiments, other possible resource transfer information may also be included, such as the type of bound card, etc., which may be determined according to the actual situation, and the embodiments of this specification do not limit this.

[0024] In this embodiment, the above resources may include: income and profit, real estate fixed assets, human resources, expense amount, etc. Resource transfer can be used to indicate the transfer of resources between users, between users and third-party users, or between third-party users. In one embodiment, resource transfer product services may include: transfer, third-party payment, collection of water and electricity, purchase of financial products, etc.

[0025] S102: Determine a resource transfer feature vector of each branch based on the target resource transfer information set; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to the target business type.

[0026] In this embodiment, the resource transfer feature vector of each branch can be determined based on the target resource transfer information set. The resource transfer feature vector can include resource transfer feature values ​​of multiple influencing factors corresponding to the target business type of the branch in the target time period, and the multiple resource transfer feature values ​​can be resource transfer conditions corresponding to the target business type of the branch in the target time period determined from multiple dimensions, and the multiple dimensions can be determined based on the multiple influencing factors.

[0027] In this embodiment, the above-mentioned influencing factors are pre-screened factors that will affect the business of the target business type. There may be multiple influencing factors corresponding to the target business type, so that the resource transfer situation corresponding to the target business type of the branch during the target time period can be comprehensively determined from multiple different dimensions.

[0028] In this embodiment, the above-mentioned resource transfer characteristic value may be a resource transfer amount, and different resource transfer characteristic values ​​may be determined for different influencing factors. For example, when the influencing factors include: product type (Alipay, Tenpay), bound card type (debit card, credit card), the above-mentioned resource transfer characteristic value may include: the resource transfer amount involving Alipay debit cards, the resource transfer amount involving Tenpay debit cards, etc. of the branch within the target time period. Of course, the resource transfer characteristic value is not limited to the above examples. Under the inspiration of the technical essence of the embodiments of this specification, technicians in the relevant field may also make other changes, but as long as the functions and effects achieved are the same or similar to the embodiments of this specification, they should be covered within the protection scope of the embodiments of this specification.

[0029] In this embodiment, the multiple influencing factors corresponding to the target business type in the target organization can be predetermined, and after the first determination, they can be directly called in the resource allocation of the subsequent target organization without repeated determination. In some embodiments, when the business of the target business type changes, it can be re-determined to timely update the multiple influencing factors corresponding to the target business type. It can be specifically determined according to actual conditions, or it can be re-determined each time resources are allocated to ensure accuracy. It can be specifically determined according to actual conditions, and this specification embodiment does not limit this.

[0030] S103: Determine weights of multiple influencing factors corresponding to the target business type.

[0031] In this embodiment, since the management goal focus of the target organization and the influence of different influencing factors on the resource transfer of the target business type may be different, some influencing factors may be direct factors, and some may be indirect factors. Therefore, the weight of each influencing factor corresponding to the target business type can be determined, and the weight can be used to characterize the importance of different influencing factors to the resource allocation of the target business type.

[0032] In this embodiment, the weights of various influencing factors corresponding to the target business type can be determined according to the target resource transfer information set and the management objectives of the target organization, etc. For example, if the target organization's management objectives for the target business type emphasize customer coverage, the weights of influencing factors related to customer coverage can be increased; if the target organization's management objectives for the target business type emphasize transaction activity, the weights of influencing factors related to transaction activity can be increased.

[0033] In this embodiment, a deep learning algorithm can also be used to determine the weight of each influencing factor, and the historical resource transfer information set of different business types and the management objectives of the target organization can be used to train the corresponding prediction model, so that the weight of each influencing factor can be determined conveniently and accurately. Of course, the method of determining the weight of the influencing factor is not limited to the above examples. Under the inspiration of the technical essence of the embodiments of this specification, technical personnel in the relevant field may also make other changes, but as long as the functions and effects achieved are the same or similar to the embodiments of this specification, they should be covered within the protection scope of the embodiments of this specification.

[0034] In this embodiment, the weight of the above influencing factors can be data greater than 0, for example: 0.1, 0.5, 0.9, etc. In some embodiments, the above influencing factors can be values ​​greater than 0 and less than or equal to 1, which can be determined according to actual conditions, and the embodiments of this specification do not limit this.

[0035] S104: Allocate resources to each branch according to the weights of multiple influencing factors and the resource transfer feature vector of each branch.

[0036] In this embodiment, resources can be allocated to each branch in multiple dimensions according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch. The contribution of each molecular organization can be determined according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch, and then the amount of resources allocated to each branch can be determined.

[0037] From the above description, it can be seen that the embodiments of this specification achieve the following technical effects: the target resource transfer information set of the target business type of the target organization within the target time period can be obtained, and based on the target resource transfer information set, the resource transfer feature vector of each branch can be determined, and the resource transfer feature vector contains the resource transfer feature values ​​of multiple influencing factors corresponding to the target business type, so that the resource transfer situation corresponding to the target business type of each branch in the target organization within the target time period can be determined from multiple dimensions. Since the management goal focus of the target organization and the impact of different influencing factors on the resource transfer of the target business type will be different, therefore, the weights of multiple influencing factors corresponding to the target business type can be determined, and resources can be allocated to each branch according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch. Therefore, the resource allocation amount of each branch can be determined from the dimensions of multiple resource transfer characteristics, which improves the accuracy of resource allocation.

[0038] In one embodiment, before determining the resource transfer feature vectors of each branch based on the target resource transfer information set, the method may further include: performing data cleaning on the target resource transfer information set to obtain a first resource transfer information set. Further, resource transfer information related to resource allocation in the first resource transfer information set may be extracted to obtain a second resource transfer information set, and multiple influencing factors corresponding to the target business type may be determined based on the second resource transfer information set.

[0039] In this embodiment, since the sources of the target resource transfer information set are complex and include a large amount of manually acquired computer input content or uploaded file content, there are usually problems such as missing data, unreasonable data range, and data duplication. Therefore, the target resource transfer information set can be cleaned to discover and correct identifiable errors in the model information set.

[0040] In this embodiment, since the resource transfer information of the target organization in the target time period may also include some resource transfer information that is not related to resource allocation, the resource transfer information related to resource allocation can be further extracted from the first resource transfer information set to obtain a second resource transfer information set. In this embodiment, which resource transfer information is related to resource allocation can be determined based on the definition and related description of the target business type, and can be determined specifically based on actual conditions, and this specification embodiment does not limit this.

[0041] In this embodiment, multiple influencing factors corresponding to the target business type can be determined based on the processed second resource transfer information set from multiple dimensions such as how resource income is calculated in business revenue, what factors constitute the cost of business revenue, and which branches the resource allocation needs to be allocated to. Of course, it can be understood that more dimensions can be included, which can be determined based on actual conditions, and this specification embodiment does not limit this.

[0042] In one embodiment, when the above-mentioned target business type is a bank third-party payment transaction, the resource transfer information set of the bank third-party payment transaction may include multiple transaction information generated within the target time period obtained from the third-party business transaction system (for example: the merchant card swiping system). The transaction information may include: the transaction amount, the user initiating the transaction, the product business channel corresponding to the transaction, the organization executing the product business, the product types involved in the transaction, etc.

[0043] In this embodiment, when the above-mentioned target business type is a bank third-party payment transaction, the resource transfer information and influencing factors related to resource allocation can be determined from the following multiple dimensions: 1. How are the transaction fees that constitute performance income calculated? In third-party payment, income = transaction amount multiplied by the fee rate. Therefore, the transaction amount and fee rate of each transaction data need to be extracted; 2. What are the factors that constitute performance costs? In third-party payment, product types (Alipay, Tenpay), card types (debit cards, credit cards), and channels (UnionPay, Net Union) will have different transaction costs. Therefore, the above three elements of each transaction data need to be extracted; 3. Which branches need to be allocated performance shares? In third-party payment, UnionPay payment has three types of outlets participating in transactions: the host bank, the clearing bank, and the issuing bank. Net Union payment has two types of outlets participating in transactions: the host bank and the issuing bank. Therefore, each transaction data also needs to extract the information of the outlets participating in the transaction; 4. What other indirect factors in the transaction data are not directly involved in the calculation of income costs, but will also affect the corresponding performance? In third-party payment, although the number of bound cards (number of potential users) and the number of activated cards (number of active users) are not included in the calculation of performance income, they do have an impact on performance changes, so they also need to be extracted.

[0044] In this embodiment, it can be determined that data irrelevant to resource allocation, such as transaction time point, transaction operator, and transaction operation code, needs to be filtered out, and influencing factors related to resource allocation, such as product type, bound card type, payment channel, transaction outlet, transaction amount, number of bound cards, and number of active cards, need to be extracted. Of course, the resource transfer information and influencing factors related to resource allocation are not limited to the above examples. Technical personnel in the relevant field may make other changes under the inspiration of the technical essence of the embodiments of this specification, but as long as the functions and effects achieved are the same or similar to those of the embodiments of this specification, they should be covered within the protection scope of the embodiments of this specification.

[0045] In this embodiment, a resource transfer information set only related to resource allocation can be obtained by data cleaning and filtering out resource transfer information irrelevant to resource allocation, so that multiple influencing factors corresponding to the target business type that will affect resource allocation can be accurately determined based on the second resource transfer information set.

[0046] In one embodiment, determining the resource transfer feature vector of each branch based on the target resource transfer information set may include: determining the influencing factors involved in each branch based on the target resource transfer information set. And determining the correlation between the influencing factors involved in each branch based on the influencing factors involved in each branch. Further, the correlation between the influencing factors involved in each branch and the target resource transfer information set may be used to determine multiple resource transfer feature values ​​used for resource allocation in each branch. And generating the resource transfer feature vector of each branch based on the multiple resource transfer feature values ​​used for resource allocation in each branch.

[0047] In this embodiment, since different branches may be able to handle different businesses, the influencing factors involved in different branches may also be different. In some cases, there may be some branches that do not handle the target business type. The specific details can be determined based on actual conditions, and this specification does not limit this.

[0048] In this embodiment, since there is a correlation between multiple influencing factors, for example, when performing resource transfer, there will be a correlation between the product type and the bound card type, including: Alipay, debit card; Alipay, credit card; Tenpay, debit card; Tenpay, credit and other associated influencing factor values. Therefore, the correlation between the influencing factors involved in each branch can be determined, so as to determine the need to combine the influencing factors to determine the resource transfer characteristic value. Among them, the relationship between the above-mentioned influencing factors can be used to characterize the degree of correlation between the two influencing factors. In some embodiments, it can be represented by a value greater than 0, for example: 0.2, 1, 1.5, etc. The larger the correlation value, the higher the correlation between the two influencing factors. Of course, the correlation between the influencing factors is not limited to the above examples. Under the inspiration of the technical essence of the embodiments of this specification, the technicians in the relevant field may also make other changes, but as long as the functions and effects achieved are the same or similar to the embodiments of this specification, they should be covered within the protection scope of the embodiments of this specification.

[0049] In this embodiment, each influencing factor can correspond to at least one value. For example, when the influencing factor is product type, the corresponding value may include: Alipay and Tenpay; when the influencing factor is payment channel, the corresponding value may include: UnionPay and NetsUnion, etc. The specific value can be determined according to actual conditions, and this specification does not limit this.

[0050] In this embodiment, the influencing factors involved in each branch can be determined respectively, and multiple resource transfer characteristic values ​​for resource allocation of each branch can be determined based on the correlation between the influencing factors. Thus, resource transfer characteristic values ​​can be determined from multiple different dimensions for different branches.

[0051] In one embodiment, the multiple influencing factors may include at least one static influencing factor and at least one dynamic influencing factor.

[0052] In this embodiment, after determining the influencing factors corresponding to the target business type, the fixed points and possible changing points in the influencing factors can be determined. Among them, the fixed point can refer to the influencing factor of the computer scanning resource transfer information. If the value of the influencing factor falls within a fixed range of several predictable values, it is a fixed point. For example, the product type characteristic value of a third-party payment transaction can only fall within {001-Alipay; 002-Tenpay}, that is, this value is a qualitative value with a data dictionary pre-defined in the business system, not an amount value. If the value of an influencing factor is unpredictable, it is a quantitative value of the business formed after the business is generated. For example: the transaction amount of a third-party payment transaction is unknown in advance and needs to be completed before it can be obtained, then this is a changing point. The determined fixed points and changing points can form static influencing factors and dynamic influencing factors.

[0053] In this implementation, when the target business type is a bank third-party payment transaction, the determined static influencing factors and dynamic influencing factors and their values ​​may be as shown in Table 1.

[0054] Table 1

[0055]

[0056]

[0057] In this embodiment, the values ​​corresponding to the static influencing factors and dynamic influencing factors determined from the resource transfer information can also be saved and can be called when determining the weight value. Thus, the influencing factors can be classified in detail from the perspective of whether the values ​​of the influencing factors change, further improving the accuracy of resource allocation.

[0058] In one embodiment, determining the weights of multiple influencing factors corresponding to the target business type may include: determining the correlation between the multiple influencing factors corresponding to the target business type, and treating at least two influencing factors whose correlation is greater than a preset threshold as an influencing factor combination. Further, an influencing factor whose correlation with any influencing factor is less than a preset threshold may be treated as an independent influencing factor, and the weights of the influencing factor combination and the independent influencing factor are determined respectively.

[0059] In this embodiment, since the static influencing factors and the dynamic influencing factors have different properties, they can be determined separately when determining the correlation of the influencing factors. The above-mentioned preset threshold can be a preset value greater than 0, for example: 0.6, 0.85, etc., which can be determined according to actual conditions. This embodiment of the specification does not limit this.

[0060] In this embodiment, since each influencing factor has at least one corresponding value, different values ​​of the same influencing factor may have different effects on resource allocation, and different combinations of multiple influencing factors may also have different effects on resource allocation, weights may be determined separately for the values ​​of independent influencing factors and the combinations of various influencing factors.

[0061] In one embodiment, weights can be determined for the static influencing factors and dynamic influencing factors in Table 1. For the three static influencing factors in Table 1, the income amount is calculated by multiplying the transaction amount by the fee rate. Different characteristic value combinations of the two product features, product type and bound card type, determine different fee rates. For example, the fee rate of the fixed characteristic value combination of bank (product type, bound card type) = (Alipay, debit card) is 0.075% (weight w1). The payment channels include UnionPay and NetsUnion. The costs of the two channels are different. The income share ratio of UnionPay and NetsUnion can be determined based on the cost ratio of the two channels (weight w2). For example, the cost ratio of the entire bank to build the NetsUnion channel system and the cost ratio of the UnionPay channel system is 6:4, then the w2 value of the NetsUnion channel is 0.6, and the w2 value of the UnionPay channel is 0.4. The outlets (branches) involved in the transaction include the sponsoring bank, the clearing bank, and the issuing bank. The profit sharing ratio (weight w3) of each of these three outlets can be determined according to the role played by these three outlets in the third-party payment transaction. For example, in an Alipay UnionPay transaction, according to the industry rules of bank payment, the issuing bank is the marketing party of the transaction and plays the greatest role, so the w3 of the issuing bank should be the highest, which can be set at 0.6. The sponsoring bank is the operator of the transaction and plays the second role, so the profit sharing ratio w3 of the sponsoring bank can be set at 0.3. The clearing bank is the clearing party of the transaction and plays the smallest role, so the profit sharing ratio w3 of the clearing bank can be set at 0.1. Only debit card UnionPay transactions have clearing banks, so the transaction card type and payment channel also have an impact on the scope of w3.

[0062] In this embodiment, the weights of the dynamic influencing factors in Table 1 can be further determined. The transaction amount is a direct factor affecting income, and the number of card bindings and the number of active cards are indirect factors affecting income. The weight of the direct factor should be higher than that of the indirect factor. In addition, the management goals of the manager also affect the weight determination of these three motivations. If the manager wants to increase the number of product users, the weight of the card binding motivation can be increased. If the manager wants to increase the number of active product users, the weight of the active card motivation can be increased. The value of the weight of these three motivations (weight w4) can be added to 100%. w4 can reflect the motivation for the generation and change of income performance and indirectly reflect the management goals of the manager. The product characteristic factors with w4 set will directly or indirectly affect the income performance value. In this embodiment, the third-party payment transaction volume, the number of card bindings, and the number of active cards are all the reasons for the generation and change of third-party payment income.

[0063] In this embodiment, the characteristic weights used for performance sharing also include the proportion of the transaction amount of each business outlet corresponding to each third-party payment product in the first-level bank to which it belongs, the proportion of the number of card bindings in the first-level bank to which it belongs, and the proportion of the number of card activations in the first-level bank to which it belongs. The above proportions are expressed as w5. Among them, the correlation and weight between the various influencing factors in Table 1 can be as follows Figure 2 as shown in .

[0064] In this embodiment, when the target business type changes or the management target of the target organization changes, only the corresponding parameters need to be adjusted. For example, when the rate of Tenpay credit card in third-party payment transaction changes, only the weight value w1 of (product type, bound card type) = (Tenpay, credit card) needs to be adjusted; when the payment channel changes and a connection channel is added, the payment channel = the connection weight w2 is increased, and the weight w2 of UnionPay and NetsUnion channels is reduced accordingly; during the product development period, the weight w4 of the card binding motivation is increased, and during the product transaction marketing period, the weight w4 of the card dynamic motivation is increased, and the weights of various influencing factors are updated in time. And when the above changes occur, no additional version development is required.

[0065] In one embodiment, allocating resources to each branch according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch may include: determining the influencing factors involved in the target branch; wherein the influencing factors involved in the target branch include a combination of influencing factors and / or independent influencing factors. Further, the weights of the influencing factors involved in the target branch may be determined according to the weights of multiple influencing factors, and the resource allocation amount of the target branch may be determined according to the weights of the influencing factors involved in the target branch and the resource transfer feature vector.

[0066] In this embodiment, since different branches may involve different businesses, the influencing factors involved in the target branch can be determined, and the resource allocation amount of the target branch can be determined based on the weight of the influencing factors involved in the target branch, thereby improving the accuracy of determining the resource allocation amount.

[0067] In one embodiment, taking the performance share of the bank's third-party payment income as an example, the calculation model formula (i1, i2, i3, i4, i5) for calculating the performance share of the clearing bank, the sponsoring bank, and the issuing bank can be as follows.

[0068] i1:I 清算行 =∑ 全行 Q 支付宝借记卡 ×w1 支付宝借记卡 ×w2 银联 ×w3 借记卡清算行 +∑ 全行 Q 财付通借记卡 ×w1 财付通借记卡 ×w2 银联 ×w3 借记卡清算行

[0069] i2:I 主办行 =∑ 全行 Q 支付宝借记卡 ×w1 支付宝借记卡 ×w3 借记卡主办行 +∑ 全行 Q 财付通借记卡 ×w1 财付通借记卡 ×w3 借记卡主办行 +∑ 全行 Q 支付宝贷记卡 ×w1 支付宝贷记卡 ×w3 贷记卡主办行 +∑ 全行 Q 财付通贷记卡 ×w1 财付通贷记卡 ×w3 贷记卡主办行

[0070]

[0071]

[0072]

[0073] In this embodiment, the subscript of I identifies the branch, and the value of I indicates the amount of resource allocation; the subscript of Q indicates the influencing factor, and the value of Q indicates the corresponding resource transfer characteristic value; w1, w2, w3, w4, and w5 are the weights of the corresponding subscripts. Branches can include: branches and outlets at various levels, among which the provincial branch is the first-level branch, the municipal branch is the second-level branch, and the county branch is the branch. Under the branch is the smallest unit for conducting various banking business operations-the outlet. Each outlet has its own branch, second-level branch, and first-level branch. The performance share of third-party payment is directly distributed from the first-level bank to the outlet, so it is necessary to calculate the proportion of the influencing factors involved in the first-level bank.

[0074] In this embodiment, the clearing bank and the sponsoring bank have a fixed number of outlets, so the total transaction amount of the entire bank is used as the base for calculating income. Only UnionPay debit cards will have clearing banks involved in transactions, so when calculating the clearing bank's performance income, in addition to the weighted rate w1, it is also necessary to weight the relevant weights w2 and w3 of UnionPay and debit cards. The sponsoring bank will participate in the transactions of debit and credit cards, so when calculating the sponsoring bank's performance income, the transaction income of Alipay Tenpay debit and credit cards must be included, regardless of the channel, and the weights are the corresponding rate w1 and the outlet nature weight w3.

[0075] In this embodiment, if the outlet is a card issuing bank, its performance sharing mainly includes three contents: sharing by transaction amount, sharing by card binding volume, and sharing by card activation volume, which respectively reflect the three changing characteristics that affect the third-party payment income: transaction amount, card binding volume, and card activation volume. First, calculate the income share of the fixed characteristics corresponding to various products of each first-level bank, with the base being the transaction amount of each product of the first-level bank, and the weight being the relevant feature weights w1, w2, and w3 of the fixed characteristics corresponding to the product. Then calculate the percentage of the three changing characteristics of the internal transaction amount, card binding volume, and card activation volume of the first-level bank, determine it using the weight w4, and finally multiply it by the weight w5, which is the proportion of the three changing characteristics of a single outlet in the first-level bank to which it belongs.

[0076] In this implementation, the above embodiment is only an example and is not intended to limit the present application. In some embodiments, the business type may also include bank financial transaction income, and the dimension of resource allocation may include: net value financial products, non-net value financial products, and the corresponding influencing factors may include: term nature (long-term, medium-term, short-term), period (closed, open), investment direction (money market, capital market, industrial investment), fee nature (handling fee, management fee, custody fee), purchase share, transaction amount, etc. The specific can be determined according to the actual situation, and the embodiments of this specification do not limit this.

[0077] In one embodiment, before obtaining the target resource transfer information set of the target business type of the target organization within the target time period, it may also include: determining the update frequency of each influencing factor corresponding to the target business type, and determining the influencing factors involved in each branch. Further, the frequency of resource allocation for each branch may be determined based on the update frequency of each influencing factor and the influencing factors involved in each branch. And based on the frequency of resource allocation for each branch, the target time period is determined.

[0078] In this embodiment, since the update frequencies of various influencing factors may be different, specifically, the update frequencies of different dynamic influencing factors may be different, the corresponding resource allocation frequency can be determined based on the update frequencies of various influencing factors corresponding to the target business type, and then the target time period for resource allocation can be determined, thereby ensuring that resources are allocated based on the latest values ​​of the influencing factors, thereby improving the accuracy of resource allocation.

[0079] In one embodiment, the transaction amount of the bank's third-party payment product is calculated on a daily basis, and the performance income is obtained by multiplying the transaction amount by the fee rate. The main bank and the clearing bank are several fixed outlets, so the calculation of the performance share of the main bank, the clearing bank, and the issuing bank based on the transaction amount is arranged in the batch of T+1 after the end of the transaction on T day. The number of card bindings and the number of active cards are calculated on a monthly basis, and because there is a delay in the calculation of the number of card bindings and the number of active cards at the end of the month, the calculation of the performance share of the issuing bank based on the number of card bindings and the number of active cards can be arranged in the first N days of the end of each month. The continuous cycle of the resource transfer information obtained is from the first N days of the end of the previous month to the first N days of this month, ensuring that the natural day of the performance share has received all the data of this continuous cycle day. For example: if the data of the number of card bindings and the number of active cards from the 27th of the previous month to the 27th of this month have been received, the batch from the 27th of the previous month to the 27th of this month can be run on the 31st of this month, so that there will be no data omissions.

[0080] In this embodiment, in the performance sharing of third-party payment, the daily performance sharing needs to obtain the values ​​of four influencing factors: product type, card binding type, payment channel, and transaction volume; the monthly performance sharing needs to obtain the values ​​of six influencing factors: product type, card binding type, payment channel, transaction volume, card binding volume, and card activation volume.

[0081] In one embodiment, after allocating resources to each branch according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch, the method may further include: obtaining the resource allocation results of each branch and obtaining the identification data of each branch. A target resource allocation data set may be recorded according to the identification data of each branch; wherein the target resource allocation data set includes multiple influencing factors corresponding to the target business type, the weights of multiple influencing factors, the resource transfer feature vectors of each branch, the identification data, and the resource allocation results. Furthermore, a statistical quantitative analysis may be performed on the target resource allocation data set to obtain the analysis results of each branch; wherein the analysis results are used to characterize the business performance of the branch.

[0082] In this embodiment, the above-mentioned target resource allocation data set may also include other data, such as: resource allocation time, resource allocation frequency, rate, card type allocation rate, channel share, superior agency, resource transfer area code, resource transfer point number, resource allocation status (0-to be shared; 1-to be credited; 2-already credited; 3-invalid), account number, currency (RMB, US dollar), etc. The specific data can be determined according to actual conditions, and the embodiments of this specification do not limit this.

[0083] In this embodiment, since the target resource allocation data set records the data related to each resource allocation, the specific accounting account number can be determined according to the value of the influencing factor. For example, the revenue and expenditure split of the third-party payment Tenpay (product feature: product type) and UnionPay (product feature: payment channel) transactions is recorded in the 5008815 account (Tenpay debit card online payment business income). The records in the target resource allocation data set are recorded according to the accounting rules. After the recording, the account data in the accounting report of each branch includes the revenue and expenditure split data, and the resource allocation status of each branch can be updated accordingly.

[0084] In this embodiment, the relevant data of resource allocation of each branch can be recorded in real time, and a target resource allocation data set can be generated, which can be stored in the format of table, text or image. Further, the target resource allocation data set can be statistically and quantitatively analyzed to determine the contribution details of each branch in resource allocation in different dimensions, obtain the motivation report of resource allocation influencing factors, and compare the resource allocation results and motivations horizontally between different branches, so as to provide valuable benefit operation analysis data, and provide data support for improving the accuracy of budget, assessment, resource allocation and operation analysis of accounting entities.

[0085] In one embodiment, the statistical quantitative analysis results of a single outlet (branch) in the third-party payment income performance sharing may be as shown in Table 2.

[0086] Table 2

[0087]

[0088] In this embodiment, the statistical quantitative analysis results of multiple outlets (branches) in the third-party payment income performance sharing can be shown in Table 3.

[0089] Table 3

[0090]

[0091]

[0092] In this embodiment, a single outlet can be compared horizontally with all outlets to determine the performance advantages and disadvantages corresponding to each influencing factor. If the performance share of a certain influencing factor of the outlet is greater than or equal to the performance share of 50% of the outlets nationwide, then the product characteristic value of the outlet is excellent, otherwise it is poor. The analysis results can be shown in Table 4.

[0093] Table 4

[0094]

[0095]

[0096] In this embodiment, the contribution of the median outlet influencing factor refers to the contribution value of the outlet in the middle position of all outlet feature contribution rankings. In the allocation of bank third-party payment resources, according to Table 4, it can be clearly seen that the resource sources of each branch for resource allocation based on product characteristics also provide clear and powerful data support for the horizontal comparison and analysis of performance and business transaction motivations among all branches in the target institution, effectively supporting performance appraisal and management decision-making, and thus promoting the development of third-party payment business.

[0097] Based on the same inventive concept, a resource allocation device is also provided in the embodiments of this specification, such as the following embodiments. Since the principle of solving the problem by the resource allocation device is similar to that of the resource allocation method, the implementation of the device can refer to the implementation of the resource allocation method, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements the predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable. Figure 3 is a structural block diagram of a resource allocation device according to an embodiment of this specification, such as Figure 3 As shown, it may include: an acquisition module 301, a first determination module 302, a second determination model 303, and a resource allocation module 304. The structure is described below.

[0098] The acquisition module 301 may be used to acquire a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches;

[0099] The first determination module 302 may be used to determine a resource transfer feature vector of each branch based on a target resource transfer information set; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to a target business type;

[0100] The second determination model 303 may be used to determine the weights of multiple influencing factors corresponding to the target business type;

[0101] The resource allocation module 304 may be used to allocate resources to each branch according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch.

[0102] The embodiment of this specification also provides an electronic device, which can be specifically referred to in Figure 4 The electronic device composition structure diagram of the resource allocation method provided in the embodiment of this specification is shown, and the electronic device may specifically include an input device 41, a processor 42, a memory 43, and an output device 44. Among them, the input device 41 can be specifically used to input the target resource transfer information set of the target business type of the target organization within the target time period; wherein the target organization includes a head office and multiple branches. The processor 42 can be specifically used to determine the resource transfer feature vector of each branch based on the target resource transfer information set; wherein the resource transfer feature vector contains the resource transfer feature values ​​of multiple influencing factors corresponding to the target business type; determine the weights of multiple influencing factors corresponding to the target business type; and allocate resources to each branch according to the weights of multiple influencing factors and the resource transfer feature vectors of each branch. The memory 43 can be specifically used to store parameters such as resource transfer feature vectors. The output device 44 can be specifically used to output resource allocation results and business analysis reports generated based on the resource allocation results.

[0103] In this embodiment, the input device may specifically be one of the main devices for information exchange between the user and the computer system. The input device may include a keyboard, a mouse, a camera, a scanner, a light pen, a handwriting input board, a voice input device, etc.; the input device is used to input the original data and the program for processing these numbers into the computer. The input device can also obtain and receive data transmitted from other modules, units, and devices. The output device may include a display, a printer, etc., for presenting resource allocation results and related business analysis reports. The processor can be implemented in any appropriate manner. For example, the processor can take the form of a computer-readable medium, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, etc., such as a microprocessor or a processor and a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor. The memory may specifically be a memory device used to store information in modern information technology. Memory can include multiple levels. In digital systems, anything that can store binary data can be called memory. In integrated circuits, a circuit with storage function but no physical form is also called memory, such as RAM, FIFO, etc. In systems, storage devices with physical form are also called memory, such as memory sticks, TF cards, etc.

[0104] In this embodiment, the functions and effects specifically realized by the electronic device can be explained in comparison with other embodiments and will not be described in detail here.

[0105] The embodiments of the present specification also provide a computer storage medium based on the resource allocation method, the computer storage medium stores computer program instructions, and when the computer program instructions are executed, the following can be achieved: obtaining a target resource transfer information set of a target business type of a target organization within a target time period; wherein the target organization includes a head office and multiple branches; based on the target resource transfer information set, determining a resource transfer feature vector of each branch; wherein the resource transfer feature vector includes resource transfer feature values ​​of multiple influencing factors corresponding to the target business type; determining the weights of multiple influencing factors corresponding to the target business type; and allocating resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch.

[0106] In this embodiment, the storage medium includes, but is not limited to, a random access memory (RAM), a read-only memory (ROM), a cache, a hard disk (HDD), or a memory card. The memory may be used to store computer program instructions. The network communication unit may be an interface for network connection communication set in accordance with the standard specified by the communication protocol.

[0107] In this embodiment, the functions and effects specifically implemented by the program instructions stored in the computer storage medium can be explained in comparison with other embodiments and will not be repeated here.

[0108] Obviously, those skilled in the art should understand that the modules or steps of the above-mentioned embodiments of this specification can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order from that here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. In this way, the embodiments of this specification are not limited to any specific combination of hardware and software.

[0109] Although the embodiments of this specification provide method operation steps as described in the above embodiments or flowcharts, more or fewer operation steps may be included in the method based on routine or no creative labor. In the steps where there is no necessary causal relationship logically, the execution order of these steps is not limited to the execution order provided by the embodiments of this specification. When the device or terminal product of the method described in practice is executed, it can be executed in sequence or in parallel according to the method shown in the embodiments or drawings (for example, a parallel processor or a multi-threaded processing environment).

[0110] It should be understood that the above description is for illustration and not for limitation. By reading the above description, many embodiments and many applications beyond the examples provided will be apparent to those skilled in the art. Therefore, the scope of the embodiments of this specification should not be determined with reference to the above description, but should be determined with reference to the full scope of the aforementioned claims and the equivalents possessed by these claims.

[0111] The above is only a preferred embodiment of the embodiment of this specification, and is not intended to limit the embodiment of this specification. For those skilled in the art, the embodiment of this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the embodiment of this specification shall be included in the protection scope of the embodiment of this specification.

Claims

1. A resource allocation method, characterized in that: include: Obtain a target resource transfer information set of a target business type of a target organization within a target time period of resource allocation; wherein the target organization includes a head office and multiple branches, the target resource transfer information set includes all resource transfer information corresponding to the target business type within the target time period, and the resource transfer information is used to characterize the resource transfer situation; Based on the target resource transfer information set, determining a resource transfer feature vector for each branch within a target time period; wherein the resource transfer feature vector includes resource transfer feature values ​​for resource allocation of multiple influencing factors corresponding to the target business type, and the resource transfer feature values ​​are determined according to the correlation between the influencing factors involved in each branch and the target resource transfer information set; Determining weights of multiple influencing factors corresponding to the target business type; Allocating resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch; Before obtaining the target resource transfer information set of the target business type of the target organization within the target time period, it also includes: Determining the update frequency of each influencing factor corresponding to the target business type; Determine the influencing factors involved in each of the branches; Determine the frequency of resource allocation for each branch according to the update frequency of each influencing factor and the influencing factors involved in each branch; The target time period is determined according to the frequency of resource allocation performed by each branch office.

2. The method according to claim 1, characterized in that Before determining the resource transfer feature vectors of each branch based on the target resource transfer information set, the method further includes: Performing data cleaning on the target resource transfer information set to obtain a first resource transfer information set; Extracting resource transfer information related to resource allocation from the first resource transfer information set to obtain a second resource transfer information set; A plurality of influencing factors corresponding to the target service type are determined according to the second resource transfer information set.

3. The method according to claim 2, characterized in that Determining resource transfer feature vectors of each branch based on the target resource transfer information set includes: Based on the target resource transfer information set, determining the influencing factors involved in each of the branches; Determine the correlation between the influencing factors involved in each branch according to the influencing factors involved in each branch; Determine a plurality of resource transfer characteristic values ​​for resource allocation of each branch by using the correlation between the influencing factors involved in each branch and the target resource transfer information set; A resource transfer feature vector of each branch organization is generated according to a plurality of resource transfer feature values ​​used for resource allocation by each branch organization.

4. The method according to claim 1, characterized in that The multiple influencing factors include at least one static influencing factor and at least one dynamic influencing factor.

5. The method according to claim 4, characterized in that Determining weights of multiple influencing factors corresponding to the target business type includes: Determine the correlation between static and dynamic influencing factors respectively; Combining at least two static influencing factors whose correlation is greater than a preset threshold as an influencing factor; Combining at least two dynamic influencing factors whose correlation is greater than a preset threshold as one influencing factor; The static influencing factors or dynamic influencing factors whose correlation with any influencing factor is less than the preset threshold are regarded as independent influencing factors; Determine the weights of the influencing factor combination and independent influencing factors respectively.

6. The method according to claim 5, characterized in that Allocating resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch, including: Determine the influencing factors involved in the target branch; wherein the influencing factors involved in the target branch include a combination of influencing factors and / or independent influencing factors; Determining the weights of the influencing factors involved in the target branch according to the weights of the multiple influencing factors; The resource allocation amount of the target branch is determined according to the weights of the influencing factors involved in the target branch and the resource transfer feature vector.

7. The method according to claim 1, characterized in that After allocating resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch, the method further includes: Obtaining resource allocation results of each branch; Obtain identification data for each branch; Record a target resource allocation data set according to the identification data of each branch; wherein the target resource allocation data set includes multiple influencing factors corresponding to the target business type, weights of the multiple influencing factors, resource transfer feature vectors of each branch, identification data, and resource allocation results; Performing statistical quantitative analysis on the target resource allocation data set to obtain analysis results of each branch; wherein the analysis results are used to characterize the business performance of the branch.

8. A resource allocation device, characterized in that: include: An acquisition module, used to acquire a target resource transfer information set of a target business type of a target organization within a target time period of resource allocation; wherein the target organization includes a head office and multiple branches, the target resource transfer information set includes all resource transfer information corresponding to the target business type within the target time period, and the resource transfer information is used to characterize the resource transfer situation; A first determination module is used to determine a resource transfer feature vector of each branch within a target time period based on the target resource transfer information set; wherein the resource transfer feature vector contains resource transfer feature values ​​for resource allocation of multiple influencing factors corresponding to the target business type, and the resource transfer feature values ​​are determined according to the correlation between the influencing factors involved in each branch and the target resource transfer information set; A second determination model is used to determine the weights of multiple influencing factors corresponding to the target business type; A resource allocation module, configured to allocate resources to each branch according to the weights of the multiple influencing factors and the resource transfer feature vectors of each branch; Before obtaining the target resource transfer information set of the target business type of the target organization within the target time period, it also includes: Determining the update frequency of each influencing factor corresponding to the target business type; Determine the influencing factors involved in each of the branches; Determine the frequency of resource allocation for each branch according to the update frequency of each influencing factor and the influencing factors involved in each branch; The target time period is determined according to the frequency of resource allocation performed by each branch office.

9. A resource allocation device, characterized in that: The method comprises a processor and a memory for storing processor-executable instructions, wherein the processor implements the steps of the method according to any one of claims 1 to 7 when executing the instructions.

10. A computer-readable storage medium, characterized in that: Computer instructions are stored thereon, and when the instructions are executed, the steps of the method according to any one of claims 1 to 7 are implemented.

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