A service distribution method, device, server and storage medium

Abstract

The embodiment of the present application relates to the field of data processing, and discloses a business allocation method, device, server and storage medium, the method comprising: obtaining business demand information of a target user, the business demand information including a target business type; obtaining the first location information of the target user, and determining a set of candidate business personnel for the target business according to the first location information; obtaining reference business information of each candidate business personnel, the reference business information including a reference business type and business personnel characteristics; determining the correlation between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics; determining the target business personnel of the target user according to the correlation and the adjustment coefficient. The efficiency and accuracy of business allocation can be effectively improved. The present application relates to blockchain technology, such as the above data can be written into the blockchain for use in scenarios such as business allocation.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a service allocation method, device, server and storage medium. Background Art

[0002] In the process of carrying out enterprise-related work, such as processing loan business, a large number of loan business will be generated. At present, most allocation systems adopt the manual allocation method, that is, it is necessary to manually allocate a large number of loan business to the appropriate salesperson. This operation is quite troublesome, time-consuming and labor-intensive, and it is easy to make mistakes during allocation, which cannot improve work efficiency. Therefore, how to quickly and accurately allocate loan business to the appropriate salesperson has become a current research hotspot. Summary of the invention

[0003] The embodiments of the present application provide a business allocation method, device, server and storage medium, which can automatically allocate suitable business personnel to users based on the business needs of users and in combination with multiple characteristics of business personnel, thereby solving the problem of tedious and error-prone manual operations, improving work efficiency, and effectively improving the accuracy of business allocation.

[0004] In a first aspect, an embodiment of the present application discloses a service allocation method, the method comprising:

[0005] Acquire business demand information of a target user for a target business, wherein the business demand information includes a target business type;

[0006] Acquire the first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel;

[0007] Acquire reference business information of each candidate business person, wherein the reference business information includes reference business type and business person characteristics;

[0008] Determining the degree of association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics;

[0009] The target business personnel corresponding to the target user is determined from the candidate business personnel set according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and the target user is assigned to the target business personnel.

[0010] In a second aspect, an embodiment of the present application discloses a service distribution device, the device comprising:

[0011] A first acquisition unit is used to acquire business demand information of a target user for a target business, wherein the business demand information includes a target business type;

[0012] A first determining unit, configured to obtain first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel;

[0013] A second acquisition unit is used to acquire reference business information of each candidate business personnel, wherein the reference business information includes reference business type and business personnel characteristics;

[0014] A second determining unit, configured to determine the degree of association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and to determine an adjustment coefficient of each candidate business personnel according to the business personnel characteristics;

[0015] The third determining unit is used to determine the target business personnel corresponding to the target user from the candidate business personnel set according to the association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and assign the target user to the target business personnel.

[0016] In a third aspect, an embodiment of the present application discloses a server, comprising a processor and a memory, wherein the memory is used to store a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the method of the first aspect above.

[0017] In a fourth aspect, an embodiment of the present application discloses a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor executes the method of the first aspect above.

[0018] In the embodiment of the present application, the server can obtain the target user's business demand information for the target business, and the business demand information can include the target business type, and can also obtain the first position information of the target user, so as to determine the set of candidate business personnel corresponding to the target business according to the first position information. Then, the reference business information of each candidate business personnel can be obtained, and the reference business information can include the reference business type and the business personnel characteristics. The degree of association between the target user and each candidate business personnel is determined according to the target business type and the reference business type of each candidate business personnel, and the adjustment coefficient of each candidate business personnel is determined according to the business personnel characteristics. Further, the target business personnel corresponding to the target user can be determined from the candidate business personnel set according to the degree of association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and the target user can be assigned to the target business personnel. By implementing the above method, the user can be automatically assigned a suitable business personnel according to the user's business needs and in combination with multiple characteristics of the business personnel, which solves the cumbersome and error-prone manual operation, improves work efficiency, and effectively improves the accuracy of business allocation. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0020] Figure 1 It is a flowchart of a service allocation method provided in an embodiment of the present application;

[0021] Figure 2a It is a schematic diagram of an interface of a business processing interface provided in an embodiment of the present application;

[0022] Figure 2b is an interface schematic diagram of another business processing interface provided in an embodiment of the present application;

[0023] Figure 3 It is a flowchart of another service allocation method provided in an embodiment of the present application;

[0024] Figure 4 It is a structural diagram of a service distribution device provided in an embodiment of the present application;

[0025] Figure 5 It is a structural diagram of a server provided in an embodiment of the present application. DETAILED DESCRIPTION

[0026] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0027] See also Figure 1 , Figure 1 1 is a flow chart of a service allocation method provided in an embodiment of the present application. The service allocation method described in this embodiment is applied to a server and can be executed by the server. Figure 1 As shown, the business allocation method includes the following steps:

[0028] S101: Obtaining business demand information of a target user for a target business, where the business demand information includes a target business type.

[0029] In one implementation, the server may obtain the target user's business demand information for the target business. The target business may refer to a business in a specific business field, for example, the target business may be a business in the loan industry, and the business demand information may include the target user's loan intention, for example, the target user's loan intention may be a consumer loan, a business loan, a home mortgage loan, a tax loan, etc. The loan intention may be a target business type, that is, a loan type required by the target user.

[0030] In one implementation, the server can output a business processing interface for the user and display it on the user terminal interface. When the user needs to conduct a loan business, the relevant information (i.e., business demand information) can be input on the business processing interface so that the server can obtain the business demand information and assign appropriate business personnel to the target user based on the business demand information to solve the target user's business needs. The business processing interface may include an operation area and a result display area. The operation area is used for the user to input information required for the business needs. The operation area may include a demand setting item and a confirmation control. The result display area is used to display the target business personnel corresponding to the business need. When the confirmation control is selected, the business demand information can be generated based on the information input in the demand setting item. For example, the business processing interface may be as follows: Figure 2a As shown, the operating area can be Figure 2a As shown in the area marked by 21 in FIG. 1 , the required setting items can be as follows Figure 2aAs shown in the areas marked by 201, 202, and 203, for example. The area marked by 201 allows the user to enter his or her account number so that the account can be authenticated later. The area marked by 202 allows the user to enter the target business type, that is, the business that the user needs to handle. For example, if the user needs to apply for a consumer loan, the user can enter the consumer loan in this area, or select the consumer loan from the multiple options in this area. The area marked by 203 allows the user to enter the current location information so that the user's candidate business personnel set can be determined based on the location information. The confirmation control can be as follows Figure 2a As shown by the control marked 204 in FIG. 1 , the user can Figure 2a Enter the corresponding information in the areas marked by 201, 202, and 203, and click Figure 2a Then, after detecting that the user clicks the confirmation control, the terminal can obtain the information entered by the user in the demand setting item, which is the business demand information, and after the terminal obtains the information entered by the user in the demand setting item, the information entered by the user in the demand setting item can be sent to the server.

[0031] Among them, the server in this application can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The terminal can be a smart device such as a mobile phone, tablet computer, laptop computer, PDA, mobile Internet device (MID, Mobile Internet Device). The terminal and the server can be directly or indirectly connected by wired or wireless communication, and this application does not limit this.

[0032] In one implementation, the business demand information also includes the identity information of the target user, and the identity information may be the account number entered by the target user on the business processing interface. Then, after obtaining the identity information of the target user, the identity information may be used to authenticate the identity of the target user. For example, it is possible to detect whether the target user is an abnormal user based on the identity information. If the detection result is that the target user is an abnormal user, the target business of the target user is filtered; if the detection result is that the target user is not an abnormal user, step S102 is executed. Among them, the specific implementation method of detecting whether the target user is an abnormal user based on the identity information may be to perform real-name authentication based on the identity information. For example, real-name authentication may be performed using an OTP (One-time Password, dynamic password) SMS and a real-name authentication interface.

[0033] S102: Acquire first location information of a target user, and determine a set of candidate business personnel corresponding to a target business according to the first location information.

[0034] In one implementation, after obtaining the target user's business demand information, the target user's current location information can also be obtained. For example, the location information can be GPS information, which can be referred to as first location information. The first location information can specifically be a geographic location, so that business personnel around the geographic location can be identified as candidate business personnel. Then, business personnel closer to the target user can be allowed to handle the business, thereby speeding up business processing efficiency.

[0035] Optionally, the specific implementation method of obtaining the first location information of the target user can be: the positioning information sent by the terminal where the target user is located can be received, and the positioning information can be determined by the positioning function of the terminal. For example, the positioning function of the terminal can be obtained through the global positioning system (Global Positioning System, GPS) chip pre-installed in the terminal, or through the pre-installed BeiDou Navigation Satellite System (BeiDou Navigation Satellite System, BDS) chip. It can also be obtained through other positioning systems, which will not be repeated here. After receiving the positioning information sent by the terminal, the first location information of the target user can also be obtained. Among them, the first location information can be positioning information.

[0036] Optionally, a specific implementation method for obtaining the first location information of the target user may be to obtain the location input by the target user on the service processing interface, that is, the service processing interface may allow the target user to input the current location, for example, the target user may enter the current location on the service processing interface. Figure 2a The current location is input in the area marked by 203. After the terminal receives the location input by the target user, the location can be sent to the server so that the server determines the first location information of the target user according to the location.

[0037] In one implementation, the specific implementation method of determining the set of candidate business personnel corresponding to the target business according to the first location information may be: the second location information of each reference business personnel in the reference business personnel set may be obtained, wherein the method for obtaining the second location information may refer to the method for obtaining the first location information, which will not be repeated here. After determining the second location information of each reference business personnel, the target distance between the target user and each reference business personnel may be determined according to the first location information and the second location information of each reference business personnel, so as to determine the candidate business personnel according to the target distance. For example, the reference business personnel corresponding to the target distance less than or equal to the preset distance threshold may be added to the set of candidate business personnel corresponding to the target business. The preset distance threshold may be preset, for example, the preset distance threshold may be 500 meters, that is, the reference business personnel corresponding to the target distance less than or equal to 500 meters may be determined as candidate business personnel. The preset distance threshold may be set as small as possible to ensure that the candidate business personnel can reach the first location information where the target user is as soon as possible, thereby speeding up the business processing speed.

[0038] In one implementation, each reference business personnel in the reference business personnel set has its corresponding business scope area. Then, the specific implementation method of determining the candidate business personnel set corresponding to the target business according to the first position information may be: the second position information and business distance of each reference business personnel in the reference business personnel set may be obtained to determine the business scope area of ​​each reference business personnel according to the second position information and the business distance. For example, the business scope area may be a circular area centered on the second position information of the reference business personnel and with the business distance as the radius. After determining the business scope area of ​​each reference business personnel, the reference business personnel corresponding to the first position information within the business scope area may be added to the candidate business personnel set corresponding to the target business.

[0039] In one implementation, a specific implementation of determining a set of candidate business personnel corresponding to a target business according to the first location information may also be: a certain area may be pre-divided into multiple business scope areas, wherein each business scope area is configured with multiple fixed reference business personnel. Then, the business scope area where the first location information corresponding to the target user is located may be determined, and the multiple fixed reference business personnel configured in the business scope area where the first location information is located may be determined as the set of candidate business personnel corresponding to the target user.

[0040] S103: Acquire reference business information of each candidate business person, where the reference business information includes reference business type and business person characteristics.

[0041] The reference business type may refer to the business type that the candidate business personnel are good at. For example, assuming that the target business is a loan business, the types of loan business may include multiple types, such as consumer loans, business loans, home mortgage loans, tax loans, etc. Each candidate business personnel may have a corresponding business type that they are good at. For example, a candidate business personnel is good at consumer loans and business loans, and another candidate business personnel is good at home mortgage loans.

[0042] In one implementation, the server may also output a business processing interface for business personnel. For example, for loan business, business personnel may input the business type they are good at in the business processing interface. The business type is also the reference business type. Then, after receiving the business type input by the business personnel, the terminal may send the business type input by the business personnel to the server, and the server may determine the reference business type of the business personnel. Figure 2b It may be a business processing interface for business personnel, where the business personnel may input the account number in the area marked by 207, and may also input the business type they are good at in the area marked by 208. For another example, the business personnel may complete the evaluation of each loan type when registering an account at the terminal, and the server may determine the reference business type of the business personnel according to the evaluation results of the business personnel.

[0043] Among them, the business personnel characteristics may refer to the business level and current number of service users of the candidate business personnel, and may also include other characteristics about the business personnel, which are not limited in this application. Among them, the business level can be understood as the service quality of the candidate business personnel. The higher the business level, the higher the service quality. The business level can be excellent, good, medium, poor, or A, B, C, D, or other forms, which are not limited in this application. The current number of service users is the number of users being served by the candidate business personnel at the time corresponding to the business demand initiated by the target user.

[0044] In one implementation, the service level of the candidate service personnel can be obtained based on the user's historical evaluation of the candidate service personnel. The user can enter the evaluation of the service personnel on the service processing interface for the user, such as Figure 2aThe area marked by 206 shown can be used for users to input their evaluation of the business personnel. Then, after the user inputs the evaluation of the business personnel, the evaluation can be sent to the server, and the server can continuously update the business level of the business personnel according to the evaluation. For example, if the target user is not satisfied with the service of the target business personnel or the target business personnel charges fees in the service process, the business level of the target business personnel can be reduced according to the evaluation result of the target user. Optionally, the area marked by 206 can be used for users to select the evaluation level. Among them, the evaluation level can be excellent, good, medium, poor, or A, B, C, D, or other forms, which are not limited in this application. Then, after receiving the evaluation level selected by the user in the area, the terminal can send the evaluation level to the server, and the server can use the evaluation level to update the business level of the business personnel. Optionally, the area marked by 206 can be used for users to input evaluation statements. For example, the target user can enter the service attitude of the target business personnel, whether to charge, etc. in the evaluation area. Then, after receiving the evaluation statement input by the target user in the evaluation area, the terminal can send the evaluation statement to the server, and the server can parse the evaluation statement and obtain the parsing result to update the service level of the target service personnel according to the parsing result. The parsing result can be the evaluation level.

[0045] In one implementation, the number of currently served users may be the number of users recorded by the server. For example, after the server assigns a corresponding business person to each user, and after the business person completes the business needs of the target user, the number of users served by each business person may be updated. Alternatively, the business person may be provided with a business processing interface for the business person to update the number of users served in real time. Then, the terminal may obtain the number of served users entered by the business person on the business processing interface, and send the number of served users to the server.

[0046] S104: Determine the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determine the adjustment coefficient of each candidate business personnel according to the business personnel characteristics.

[0047] In one implementation, the number of reference business types of any candidate business personnel may be one or more. The following description takes any candidate business personnel in the candidate business personnel set as an example, and a similarity algorithm may be used to determine the similarity between the target business type and each reference business type in one or more reference business types of the candidate business personnel, wherein the similarity algorithm may be a term frequency-inverse document frequency (Term Frequency-Inverse Document Frequency, TF-IDF) algorithm, or a similarity algorithm that calculates cosine similarity using a word vector (Word2vec) model. Other similarity algorithms may also be used, which are not limited in this application. After determining the similarity, the degree of association between the target user and the candidate business personnel may be determined based on the similarity between the target business type and each reference business type in one or more reference business types.

[0048] In one implementation, when determining the association between the target user and the candidate business personnel according to the target business type and the reference business type of the candidate business personnel, the association may also be determined using the matching result of the target business type and the reference business type of the candidate business personnel. For example, if the matching result is that the target business type can match any one of the reference business types, the association between the target user and the candidate business personnel may be determined as 1. If the matching result is that the target business type cannot match any one of the reference business types, the association between the target user and the candidate business personnel may be determined as 0.

[0049] In one implementation, after determining the degree of association between the target user and each candidate business personnel, it is also possible to consider using information from other dimensions to further screen the candidate business personnel in order to match a more suitable business personnel to the target user. Optionally, taking any candidate business personnel in the set of candidate business personnel as an example, the first adjustment coefficient of the candidate business personnel can be determined based on the business level and the mapping relationship between the preset business level and the first adjustment coefficient, and the second adjustment coefficient of the candidate business personnel can also be determined based on the current number of service users and the mapping relationship between the preset number of current service users and the second adjustment coefficient. After determining the first adjustment coefficient and the second adjustment coefficient, the adjustment coefficient of the candidate business personnel can be determined based on the first adjustment coefficient and the second adjustment coefficient.

[0050] S105: Determine a target business person corresponding to the target user from the set of candidate business persons according to the correlation between the target user and each candidate business person and the adjustment coefficient of each candidate business person, and assign the target user to the target business person.

[0051] In one implementation, the allocation score of each candidate business personnel can be determined according to the association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel. After the allocation score of each candidate business personnel is determined, the maximum allocation score can be determined from the allocation scores of each candidate business personnel, and the maximum allocation score is the maximum value among the allocation scores of each candidate business personnel. Then, the candidate business personnel corresponding to the maximum allocation score can be determined as the target business personnel corresponding to the target user, and the target user is allocated to the target business personnel, so that the target business personnel performs the target business of the target user.

[0052] In one implementation, after the target business personnel corresponding to the target user is determined, the basic information of the target business personnel can be displayed on the business processing interface for the user, for example, the basic information can be name, contact information, etc. At the same time, the basic information of the target user can also be displayed on the business processing interface for the business personnel. This allows the target business personnel and the target user to contact each other later, so that the target business personnel can perform the target business of the target user. For example, in Figure 2a The area marked by 205 in FIG. 10 shows the basic information of the target business personnel, which can be displayed in the following manner: Figure 2b The area marked by 209 displays basic information of the target user.

[0053] In one implementation, after the target service personnel has completed the target service of the target user, the target user can input an evaluation of the target service personnel on the service processing interface, and after the terminal receives the evaluation input by the target user on the service processing interface, the evaluation can be sent to the server so that the server can update the service level of the target service personnel according to the evaluation. Figure 2a The area marked by 206 is shown for inputting the evaluation of the target service personnel. For example, if the target user is not satisfied with the service of the target service personnel or the target service personnel charges excessive fees during the service process, the service level of the target service personnel can be lowered according to the evaluation of the target user.

[0054] In one implementation, the specific implementation method of determining the distribution score of each candidate business personnel according to the correlation and the adjustment coefficient can be determined according to a preset rule. For example, taking any candidate business personnel in the candidate business personnel set as an example, the correlation between the target user and the candidate business personnel and the adjustment coefficient of the candidate business personnel can be determined according to the preset rule to obtain the distribution score of the candidate business personnel. For example, the preset rule can be to multiply the correlation and the adjustment coefficient, and then the product result is the distribution score of the candidate business personnel. Assuming that the correlation is A and the adjustment coefficient is P, the distribution score can be A*P. For another example, the preset rule can also be that before the product processing, the correlation and the adjustment coefficient are squared, and then the squared processing result of the correlation and the squared processing result of the adjustment coefficient are multiplied, and the product result is the distribution score of the candidate business personnel. For another example, the preset rule can also be that before the product processing, the correlation and the adjustment coefficient are weighted, and then the weighted processing result of the correlation and the weighted processing result of the adjustment coefficient are multiplied, and the product result is the distribution score of the candidate business personnel. Among them, the weighted coefficient of the association degree and the weighted coefficient of the adjustment coefficient can be preset, the sum of the weighted coefficient of the association degree and the weighted coefficient of the adjustment coefficient is 1, and the size of the weighted coefficient of the association degree and the adjusted weighted coefficient can be set according to demand. It should be noted that the above preset rules can also be other rules, which are not limited in this application.

[0055] In the embodiment of the present application, the server can automatically assign appropriate business personnel to the user based on the business needs of the user and in combination with multiple characteristics of the business personnel, thereby solving the cumbersome and error-prone manual operations, improving work efficiency, and effectively improving the accuracy of business allocation. For example, if the business allocation method is applied to the loan business scenario, the loan business can be intelligently allocated based on multiple dimensions such as the user's loan needs, the user's location information, the business personnel's location information, and the business personnel's characteristics, and the user can be matched with appropriate business personnel, thereby improving the processing efficiency and pass rate of the loan business. It can also solve the problems of lack of user sources, high cost of obtaining user sources, and low efficiency of obtaining user sources for business personnel in the loan business scenario. At the same time, it can also solve the problems of lack of loan channels and difficulty in obtaining loans for loan users, effectively helping users solve loan problems.

[0056] See also Figure 3 , Figure 3 FIG. 1 is a flow chart of another service allocation method provided in an embodiment of the present application. The service allocation method described in this embodiment is applied to a server and can be executed by the server. Figure 3 As shown, the business allocation method includes the following steps:

[0057] S301: Obtaining target user's business demand information for target business.

[0058] S302: Acquire first location information of a target user, and determine a set of candidate business personnel corresponding to a target business according to the first location information.

[0059] S303: Acquire reference business information of each candidate business person.

[0060] S304: For any candidate business personnel in the candidate business personnel set, a similarity algorithm is used to determine the similarity between the target business type and each reference business type in one or more reference business types of the candidate business personnel.

[0061] In one implementation, the number of reference business types of any candidate business person may be one or more. In the following, any candidate business person in the candidate business person set is used as an example to illustrate that the similarity between the target business type and each of the one or more reference business types of the candidate business person may be determined using a similarity algorithm. After the similarity is determined, the relevance between the target user and the candidate business person may be determined using the similarity.

[0062] In one implementation, the above-mentioned similarity algorithm can be a term frequency-inverse document frequency (TermFrequency-Inverse Document Frequency, TF-IDF) algorithm, or it can be a similarity algorithm that uses a word vector (Word2vec) model to calculate cosine similarity. It can also be other similarity algorithms, which are not limited in this application. For example, assume that the similarity algorithm is a word vector (Word2vec) model to calculate cosine similarity. For any reference business type among multiple reference business types, the Word2vec model can be used to first determine the word vector of the reference business type and the word vector of the target business type. After determining the word vector, the cosine distance between the word vector of the target business type and the word vector of the reference business type can be used to obtain the value that is the similarity between the target business type and the reference business type.

[0063] S305: Determine the relevance between the target user and the candidate business personnel according to the similarity between the target business type and each reference business type in the one or more reference business types.

[0064] In one implementation, the association between the target user and the candidate business personnel may be determined based on the similarity between the target business type and each of the one or more reference business types and a preset association rule, wherein the preset association rule may be preset.

[0065] Optionally, the preset association rule may sum the similarities between the target business type and each reference business type, and the sum result is the association between the target user and the candidate business personnel. For example, assuming that the number of reference business types is 2, there may be 2 similarities, which are A1 and A2, respectively, and the association between the target user and the candidate business personnel is A1+A2.

[0066] Optionally, the preset association rule can also be to perform weighted processing on each similarity separately before the summation process described above, and then sum the weighted processing results of each similarity, and the summation result is the association between the target user and the candidate business personnel. Among them, the weighted coefficients of each similarity can be preset, and the sum of the weighted coefficients of each similarity is 1, and its size can be set according to demand, and is not limited in this application. For example, when the candidate business personnel enters multiple reference business types on the business processing interface, the business processing interface can allow the candidate business personnel to select the input order of the multiple reference business types, wherein the input order of the reference business types determines the weighted coefficient of each reference business type, and the weighted coefficient is also the weighted coefficient of each similarity required subsequently. Assuming that the number of reference business types is 2, then the weighted coefficient for the first reference business type can be 0.7, and the weighted coefficient for the second reference business type can be 0.3.

[0067] S306: For any candidate business personnel in the candidate business personnel set, determine a first adjustment coefficient of the candidate business personnel according to the business level and a preset mapping relationship between the business level and the first adjustment coefficient.

[0068] S307: Determine the second adjustment coefficient of the candidate business personnel according to the current number of service users and a preset mapping relationship between the current number of service users and the second adjustment coefficient.

[0069] In step S306 and step S307, after determining the degree of association between the target user and each candidate business personnel, it is also possible to consider further screening the candidate business personnel using information from other dimensions to match more suitable business personnel for the target user. For example, the information from other dimensions may refer to the above-mentioned business personnel characteristics, which may include business level and the number of current service users. Optionally, taking any candidate business personnel in the candidate business personnel set as an example for explanation, the first adjustment coefficient of the candidate business personnel may be determined according to the business level and the mapping relationship between the preset business level and the first adjustment coefficient, and the second adjustment coefficient of the candidate business personnel may also be determined according to the current number of service users and the mapping relationship between the preset current number of service users and the second adjustment coefficient. For example, Table 1 shows the mapping relationship between the business level and the first adjustment coefficient. It can be seen that each business level corresponds to a first adjustment coefficient. Then, according to the mapping relationship shown in Table 1, the first adjustment coefficient corresponding to the business level of the candidate business personnel can be determined. For another example, Table 2 shows the mapping relationship between the current number of service users and the second adjustment coefficient. It can be seen that each number of currently served users corresponds to a second adjustment coefficient. Therefore, according to the mapping relationship shown in Table 2, the second adjustment coefficient corresponding to the number of currently served users of the candidate business personnel can be determined.

[0070] Table 1:

[0071] Business level The first adjustment factor A 0.9 B 0.7 C 0.5 D 0.3

[0072] Table 2:

[0073] Current number of service users Second adjustment factor 0-2 0.9 2-4 0.7 4-6 0.5 6 or more 0.3

[0074] S308: Determine the adjustment coefficient of the candidate business personnel according to the first adjustment coefficient and the second adjustment coefficient.

[0075] In one implementation, after determining the first adjustment coefficient and the second adjustment coefficient, the adjustment coefficient of the candidate business personnel can be determined according to the first adjustment coefficient and the second adjustment coefficient. For example, the adjustment coefficient of the candidate business personnel can be determined according to a preset coefficient rule, wherein the preset coefficient rule can be preset. For example, the preset coefficient rule is to multiply each adjustment coefficient (the first adjustment coefficient and the second adjustment coefficient), then the product result is the adjustment coefficient of the candidate business personnel. Assuming that the first adjustment coefficient and the second adjustment coefficient are A1 and A2 respectively, the adjustment coefficient can be A1*A2. For another example, the preset coefficient rule is to sum each adjustment coefficient (the first adjustment coefficient and the second adjustment coefficient), then the sum result is the adjustment coefficient of the candidate business personnel. Assuming that the first adjustment coefficient and the second adjustment coefficient are A1 and A2 respectively, the adjustment coefficient can be A1+A2. Among them, the preset coefficient rule can also be other rules, which are not limited in this application.

[0076] S309: Determine a target business person corresponding to the target user from the candidate business person set according to the association between the target user and each candidate business person and the adjustment coefficient of each candidate business person, and assign the target user to the target business person.

[0077] The specific implementation of steps S301 - S303 and S309 can refer to the specific description of steps S101 - S103 and S105 in the above embodiment, which will not be repeated here.

[0078] In the embodiment of the present application, the server can automatically assign appropriate business personnel to the user based on the business needs of the user and in combination with multiple characteristics of the business personnel, thereby solving the cumbersome and error-prone manual operations, improving work efficiency, and effectively improving the accuracy of business allocation. For example, if the business allocation method is applied to the loan business scenario, the loan business can be intelligently allocated based on multiple dimensions such as the user's loan needs, the user's location information, the business personnel's location information, and the business personnel's characteristics, and the user can be matched with appropriate business personnel, thereby improving the processing efficiency and pass rate of the loan business. It can also solve the problems of lack of user sources, high cost of obtaining user sources, and low efficiency of obtaining user sources for business personnel in the loan business scenario. At the same time, it can also solve the problems of lack of loan channels and difficulty in obtaining loans for loan users, effectively helping users solve loan problems.

[0079] See also Figure 4 , Figure 4 : is a structural diagram of a service distribution device provided in an embodiment of the present application, the service distribution device comprising:

[0080] The first acquisition unit 401 is used to acquire the service demand information of the target user for the target service, wherein the service demand information includes the target service type;

[0081] A first determining unit 402 is configured to obtain first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel;

[0082] The second acquisition unit 403 is used to acquire reference business information of each candidate business personnel, wherein the reference business information includes reference business type and business personnel characteristics;

[0083] A second determining unit 404 is used to determine the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and to determine the adjustment coefficient of each candidate business personnel according to the business personnel characteristics;

[0084] The third determining unit 405 is used to determine the target business personnel corresponding to the target user from the candidate business personnel set according to the association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and assign the target user to the target business personnel.

[0085] In one implementation, the first determining unit 402 is specifically configured to:

[0086] Obtaining second position information of each reference business person in the reference business person set;

[0087] Determine a target distance between the target user and each reference business person according to the first location information and the second location information of each reference business person;

[0088] The reference business personnel whose target distance is less than or equal to the preset distance threshold are added to the set of candidate business personnel corresponding to the target business.

[0089] In one implementation, the first determining unit 402 is specifically configured to:

[0090] Obtaining second location information and business distance of each reference business person in the reference business person set;

[0091] Determine the business scope area of ​​each reference business person according to the second location information and the business distance;

[0092] The reference business personnel whose first location information is located within the business scope area are added to the set of candidate business personnel corresponding to the target business.

[0093] In one implementation, the number of the reference service types is one or more; the second determining unit 404 is specifically configured to:

[0094] For any candidate business personnel in the candidate business personnel set, using a similarity algorithm to determine the similarity between the target business type and each of the one or more reference business types of the candidate business personnel;

[0095] The degree of association between the target user and the candidate business personnel is determined according to the similarity between the target business type and each reference business type in one or more reference business types.

[0096] In one implementation, the service personnel characteristics include service level and the number of current service users; the second determining unit 404 is specifically configured to:

[0097] For any candidate business personnel in the candidate business personnel set, determining a first adjustment coefficient of the candidate business personnel according to the business level and a mapping relationship between a preset business level and the first adjustment coefficient;

[0098] Determining the second adjustment coefficient of the candidate business personnel according to the current number of service users and a preset mapping relationship between the current number of service users and the second adjustment coefficient;

[0099] An adjustment coefficient of the candidate business personnel is determined according to the first adjustment coefficient and the second adjustment coefficient.

[0100] In one implementation, the third determining unit 405 is specifically configured to:

[0101] Determining the assigned score of each candidate business personnel according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel;

[0102] Determining a maximum allocation score from the allocation scores of the candidate business personnel;

[0103] The candidate business person corresponding to the maximum assigned score is determined as the target business person corresponding to the target user.

[0104] In one implementation, the business requirement information further includes identity information of the target user; and the first acquisition unit 401 is further configured to:

[0105] Detecting whether the target user is an abnormal user according to the identity information;

[0106] If the detection result shows that the target user is an abnormal user, filtering the target service of the target user;

[0107] If the detection result shows that the target user is not an abnormal user, the step of obtaining the first location information of the target user and determining a set of candidate business personnel corresponding to the target business according to the first location information is performed.

[0108] It can be understood that the functions of the functional units of the service distribution device described in the embodiment of the present application can be based on Figure 1 or Figure 3 The specific implementation process of the method in the method embodiment can be referred to Figure 1 or Figure 3 The relevant description of the method embodiment will not be repeated here.

[0109] In the embodiment of the present application, the first acquisition unit 401 acquires the target user's business demand information for the target business, and the business demand information includes the target business type; the first determination unit 402 acquires the first location information of the target user, and determines the set of candidate business personnel corresponding to the target business according to the first location information, and the set of candidate business personnel includes one or more candidate business personnel; the second acquisition unit 403 acquires the reference business information of each candidate business personnel, and the reference business information includes the reference business type and business personnel characteristics; the second determination unit 404 determines the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determines the adjustment coefficient of each candidate business personnel according to the business personnel characteristics; the third determination unit 405 determines the target business personnel corresponding to the target user from the candidate business personnel set according to the association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and assigns the target user to the target business personnel. The efficiency and accuracy of business allocation can be effectively improved.

[0110] See also Figure 5 , Figure 5 5 is a schematic diagram of a server structure provided in an embodiment of the present application. The server includes: a processor 501, a memory 502 and a network interface 503. The processor 501, the memory 502 and the network interface 503 can exchange data.

[0111] The processor 501 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0112] The memory 502 may include a read-only memory and a random access memory, and provide program instructions and data to the processor 501. A portion of the memory 502 may also include a random access memory. When the processor 501 calls the program instructions, it is used to execute:

[0113] Acquire business demand information of a target user for a target business, wherein the business demand information includes a target business type;

[0114] Acquire the first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel;

[0115] Acquire reference business information of each candidate business person, wherein the reference business information includes reference business type and business person characteristics;

[0116] Determining the degree of association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics;

[0117] The target business personnel corresponding to the target user is determined from the candidate business personnel set according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and the target user is assigned to the target business personnel.

[0118] In one implementation, the processor 501 is specifically configured to:

[0119] Obtaining second position information of each reference business person in the reference business person set;

[0120] Determine a target distance between the target user and each reference business person according to the first location information and the second location information of each reference business person;

[0121] The reference business personnel whose target distance is less than or equal to the preset distance threshold are added to the set of candidate business personnel corresponding to the target business.

[0122] In one implementation, the processor 501 is specifically configured to:

[0123] Obtaining second location information and business distance of each reference business person in the reference business person set;

[0124] Determine the business scope area of ​​each reference business person according to the second location information and the business distance;

[0125] The reference business personnel whose first location information is located within the business scope area are added to the set of candidate business personnel corresponding to the target business.

[0126] In an implementation manner, the number of the reference service types is one or more; and the processor 501 is specifically configured to:

[0127] For any candidate business personnel in the candidate business personnel set, using a similarity algorithm to determine the similarity between the target business type and each of the one or more reference business types of the candidate business personnel;

[0128] The degree of association between the target user and the candidate business personnel is determined according to the similarity between the target business type and each reference business type in one or more reference business types.

[0129] In one implementation, the service personnel characteristics include service level and the number of current service users; the processor 501 is specifically configured to:

[0130] For any candidate business personnel in the candidate business personnel set, determining a first adjustment coefficient of the candidate business personnel according to the business level and a mapping relationship between a preset business level and the first adjustment coefficient;

[0131] Determining the second adjustment coefficient of the candidate business personnel according to the current number of service users and a preset mapping relationship between the current number of service users and the second adjustment coefficient;

[0132] An adjustment coefficient of the candidate business personnel is determined according to the first adjustment coefficient and the second adjustment coefficient.

[0133] In one implementation, the processor 501 is specifically configured to:

[0134] Determining the assigned score of each candidate business personnel according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel;

[0135] Determining a maximum allocation score from the allocation scores of the candidate business personnel;

[0136] The candidate business person corresponding to the maximum assigned score is determined as the target business person corresponding to the target user.

[0137] In one implementation, the service requirement information further includes identity information of the target user; and the processor 501 is further configured to:

[0138] Detecting whether the target user is an abnormal user according to the identity information;

[0139] If the detection result shows that the target user is an abnormal user, filtering the target service of the target user;

[0140] If the detection result shows that the target user is not an abnormal user, the step of obtaining the first location information of the target user and determining a set of candidate business personnel corresponding to the target business according to the first location information is performed.

[0141] In a specific implementation, the processor 501 and the memory 502 described in the embodiments of the present application can execute the embodiments of the present application. Figure 1 or Figure 3 The implementation method described in the provided service allocation method can also be used to implement the embodiments of the present application. Figure 4 The implementation of the described service distribution device will not be described in detail here.

[0142] In the embodiment of the present application, the processor 501 can obtain the target user's business demand information for the target business, the business demand information includes the target business type; obtain the first location information of the target user, determine the set of candidate business personnel corresponding to the target business according to the first location information, and the set of candidate business personnel includes one or more candidate business personnel; obtain reference business information of each candidate business personnel, the reference business information includes reference business type and business personnel characteristics; determine the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determine the adjustment coefficient of each candidate business personnel according to the business personnel characteristics; determine the target business personnel corresponding to the target user from the set of candidate business personnel according to the association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel, and assign the target user to the target business personnel. The efficiency and accuracy of business allocation can be effectively improved.

[0143] The present application also provides a computer-readable storage medium in which program instructions are stored. When the program is executed, it may include: Figure 1 or Figure 3 Part or all of the steps of the service allocation method in the corresponding embodiment.

[0144] It should be noted that, for the above-mentioned various method embodiments, for the sake of simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, some steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by this application.

[0145] A person skilled in the art may understand that all or part of the steps in the various methods of the above embodiments may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0146] It should be emphasized that in order to further ensure the privacy and security of the above data, the above data can also be stored in a node of a blockchain. Among them, the blockchain referred to in this application is a new application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. The blockchain can include the blockchain underlying platform, the platform product service layer, and the application service layer.

[0147] The above is a detailed introduction to a business distribution method, device, server and storage medium provided in an embodiment of the present application. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea; at the same time, for general technical personnel in this field, according to the idea of ​​the present application, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A service allocation method, characterized in that: include: Acquire business demand information of a target user for a target business, wherein the business demand information includes a target business type; Acquire the first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel; Acquire reference business information of each candidate business person, wherein the reference business information includes reference business type and business person characteristics; Determining the degree of association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics; Determining a target business person corresponding to the target user from the set of candidate business persons according to the degree of association between the target user and each candidate business person and the adjustment coefficient of each candidate business person, and assigning the target user to the target business person; The business personnel characteristics include business level and the number of current service users; The step of determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics includes: For any candidate business personnel in the set of candidate business personnel, determining a first adjustment coefficient of the candidate business personnel according to the business grade and a mapping relationship between a preset business grade and the first adjustment coefficient; Determining the second adjustment coefficient of the candidate business personnel according to the current number of service users and a preset mapping relationship between the current number of service users and the second adjustment coefficient; Determine the adjustment coefficient of the candidate business personnel according to the first adjustment coefficient and the second adjustment coefficient; After determining the target business personnel corresponding to the target user, basic information of the target business personnel is displayed on the business processing interface for the user, and basic information of the target user is displayed on the business processing interface for the business personnel, so that the target business personnel can execute the target business of the target user; After the target business personnel completes the target business of the target user, the target user enters an evaluation of the target business personnel on the business processing interface, and after the terminal receives the evaluation entered by the target user on the business processing interface, the evaluation is sent to the server, so that the server updates the business level of the target business personnel according to the evaluation; The number of the reference business types is one or more; and determining the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel includes: For any candidate business personnel in the candidate business personnel set, using a similarity algorithm to determine the similarity between the target business type and each of the one or more reference business types of the candidate business personnel; Determining the degree of association between the target user and the candidate business personnel according to the similarity between the target business type and each reference business type in one or more reference business types; The step of determining the target business personnel corresponding to the target user from the set of candidate business personnel according to the degree of association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel includes: Determining the assigned score of each candidate business personnel according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel; Determining a maximum allocation score from the allocation scores of the candidate business personnel; Determine the candidate business person corresponding to the maximum allocation score as the target business person corresponding to the target user; The method of determining the association degree between the target user and each candidate business personnel according to the target business type and the reference business types of each candidate business personnel also includes: determining the association degree by using the matching result of the target business type and the reference business types of the candidate business personnel, when the matching result is that the target business type matches any one of the reference business types, the association degree between the target user and the candidate business personnel is determined to be 1; when the matching result is that the target business type does not match any one of the reference business types, the association degree between the target user and the candidate business personnel is determined to be 0.

2. The method according to claim 1, characterized in that The determining a set of candidate business personnel corresponding to the target business according to the first location information includes: Obtaining second position information of each reference business person in the reference business person set; Determine a target distance between the target user and each reference business person according to the first location information and the second location information of each reference business person; The reference business personnel whose target distance is less than or equal to the preset distance threshold are added to the set of candidate business personnel corresponding to the target business.

3. The method according to claim 1, characterized in that The determining a set of candidate business personnel corresponding to the target business according to the first location information includes: Obtaining second location information and business distance of each reference business person in the reference business person set; Determine the business scope area of ​​each reference business person according to the second location information and the business distance; The reference business personnel whose first location information is located within the business scope area are added to the set of candidate business personnel corresponding to the target business.

4. The method according to any one of claims 1 to 3, characterized in that: The business requirement information also includes identity information of the target user; the method also includes: Detecting whether the target user is an abnormal user according to the identity information; If the detection result shows that the target user is an abnormal user, filtering the target service of the target user; If the detection result shows that the target user is not an abnormal user, the step of obtaining the first location information of the target user and determining a set of candidate business personnel corresponding to the target business according to the first location information is performed.

5. A service distribution device, characterized in that: include: A first acquisition unit is used to acquire business demand information of a target user for a target business, wherein the business demand information includes a target business type; A first determining unit, configured to obtain first location information of the target user, and determine a set of candidate business personnel corresponding to the target business according to the first location information, wherein the set of candidate business personnel includes one or more candidate business personnel; A second acquisition unit is used to acquire reference business information of each candidate business personnel, wherein the reference business information includes reference business type and business personnel characteristics; A second determining unit, configured to determine the degree of association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel, and to determine an adjustment coefficient of each candidate business personnel according to the business personnel characteristics; A third determining unit, configured to determine a target business person corresponding to the target user from the set of candidate business persons according to the degree of association between the target user and each candidate business person and an adjustment coefficient of each candidate business person, and assign the target user to the target business person; The business personnel characteristics include business level and the number of current service users; The step of determining the adjustment coefficient of each candidate business personnel according to the business personnel characteristics includes: For any candidate business personnel in the set of candidate business personnel, determining a first adjustment coefficient of the candidate business personnel according to the business grade and a mapping relationship between a preset business grade and the first adjustment coefficient; Determining the second adjustment coefficient of the candidate business personnel according to the current number of service users and a preset mapping relationship between the current number of service users and the second adjustment coefficient; Determine the adjustment coefficient of the candidate business personnel according to the first adjustment coefficient and the second adjustment coefficient; After determining the target business personnel corresponding to the target user, basic information of the target business personnel is displayed on the business processing interface for the user, and basic information of the target user is displayed on the business processing interface for the business personnel, so that the target business personnel can execute the target business of the target user; After the target business personnel completes the target business of the target user, the target user enters an evaluation of the target business personnel on the business processing interface, and after the terminal receives the evaluation entered by the target user on the business processing interface, the evaluation is sent to the server, so that the server updates the business level of the target business personnel according to the evaluation; The number of the reference business types is one or more; and determining the association between the target user and each candidate business personnel according to the target business type and the reference business type of each candidate business personnel includes: For any candidate business personnel in the candidate business personnel set, using a similarity algorithm to determine the similarity between the target business type and each of the one or more reference business types of the candidate business personnel; Determining the degree of association between the target user and the candidate business personnel according to the similarity between the target business type and each reference business type in one or more reference business types; The step of determining the target business personnel corresponding to the target user from the set of candidate business personnel according to the degree of association between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel includes: Determining the assigned score of each candidate business personnel according to the association degree between the target user and each candidate business personnel and the adjustment coefficient of each candidate business personnel; Determining a maximum allocation score from the allocation scores of the candidate business personnel; Determine the candidate business person corresponding to the maximum allocation score as the target business person corresponding to the target user; The method of determining the association degree between the target user and each candidate business personnel according to the target business type and the reference business types of each candidate business personnel also includes: determining the association degree by using the matching result of the target business type and the reference business types of the candidate business personnel, when the matching result is that the target business type matches any one of the reference business types, the association degree between the target user and the candidate business personnel is determined to be 1; when the matching result is that the target business type does not match any one of the reference business types, the association degree between the target user and the candidate business personnel is determined to be 0.

6. A server, characterized in that: The method comprises a processor and a memory, wherein the memory is used to store a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to perform the method according to any one of claims 1 to 4.

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