Method and apparatus for bank self-service terminal transaction

Abstract

The application provides a bank self-service terminal transaction method and device, which is applied to the field of financial technology, and comprises the following steps: receiving resource shortage information sent by a first self-service terminal; when the customer belongs to a risk controllable customer category, determining a second self-service terminal which can meet the resource requirement of the customer; when the customer confirms to go to the second self-service terminal to handle the business, generating a corresponding resource voucher for the customer; sending the resource voucher to the mobile terminal of the customer, and sending a resource reservation instruction for the customer to the second self-service terminal; after receiving the resource reservation instruction for the customer, the second self-service terminal reserves the resource corresponding to the resource voucher; when receiving the resource voucher input by the customer and sent by the second self-service terminal, querying a database to determine whether the business handling condition is met; and if yes, sending a transaction support command to the second self-service terminal. The application can realize cooperative transaction of multiple self-service terminals.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial technology, and in particular to a bank self-service terminal transaction method and device. BACKGROUND

[0002] Currently, when a customer transacts at a bank self-service terminal (ATM), the following scenarios exist: first, the customer withdraws money at the ATM, but the ATM is out of balance, and the customer needs to go to another ATM to withdraw money. Second, the customer applies for a new bank card at the self-service terminal, but the self-service terminal has no bank card, and the customer needs to go to a nearby other intelligent terminal to receive the bank card. Third, the customer exchanges foreign currency at a foreign currency exchange machine, but the foreign currency exchange machine cannot meet the customer's foreign currency needs, and the customer needs to go to another foreign currency exchange machine to exchange foreign currency. At this time, it will be inconvenient for the customer. SUMMARY

[0003] The embodiments of the present application propose a bank self-service terminal transaction method to realize cooperative transaction of multiple self-service terminals to facilitate customers. The method comprises:

[0004] receiving resource deficiency information sent by a first self-service terminal, wherein the resource deficiency information is generated by the first self-service terminal according to business handling conditions when a customer handles business at the first self-service terminal;

[0005] determining whether a customer category to which the customer belongs is a risk-controllable customer category;

[0006] when the customer category to which the customer belongs is the risk-controllable customer category, determining a second self-service terminal that meets resource needs of the customer for business handling, and sending information of the second self-service terminal to a mobile terminal of the customer;

[0007] when it is received that the customer confirms to go to the second self-service terminal to handle business, generating a corresponding resource voucher for the customer, and storing a terminal number of the second self-service terminal, the resource voucher, and an effective time of the resource voucher in a database;

[0008] sending the resource voucher to the mobile terminal of the customer, and sending a resource reservation instruction for the customer to the second self-service terminal, wherein the second self-service terminal reserves resources corresponding to the resource voucher after receiving the resource reservation instruction for the customer;

[0009] when it is received that the customer inputs the resource voucher, querying the database to determine whether the terminal number of the second self-service terminal, the resource voucher, and the effective time of the resource voucher meet business handling conditions, and if so, sending a transaction support command to the second self-service terminal, wherein the second self-service terminal supports transaction of the customer by using the reserved resources after receiving the transaction support command.

[0010] The embodiment of the present application provides a bank self-service terminal transaction device, which is used for realizing cooperative transaction of multiple self-service terminals to facilitate customers, and comprises the following steps:

[0011] The resource deficiency information receiving module is used for receiving resource deficiency information sent by the first self-service terminal, wherein the resource deficiency information is generated by the first self-service terminal according to service processing when the customer processes the service at the first self-service terminal;

[0012] The customer category judging module is used for judging whether the customer category to which the customer belongs is a risk-controllable customer category;

[0013] The second self-service terminal recommending module is used for determining a second self-service terminal which meets the resource requirement of the customer for service processing when the customer category to which the customer belongs is the risk-controllable customer category, and sending information of the second self-service terminal to a mobile terminal of the customer;

[0014] The resource voucher generating module is used for generating a corresponding resource voucher for the customer when the customer confirms to process the service at the second self-service terminal, and storing a terminal number of the second self-service terminal, the resource voucher and a valid time of the resource voucher in a database;

[0015] The information sending module is used for sending the resource voucher to the mobile terminal of the customer, and sending a resource reserving instruction for the customer to the second self-service terminal, so that the second self-service terminal reserves the resource corresponding to the resource voucher after receiving the resource reserving instruction for the customer;

[0016] The transaction module is used for querying the database when the resource voucher input by the customer is received from the second self-service terminal, judging whether the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher meet the service processing condition, sending a transaction support command to the second self-service terminal if yes, and supporting the transaction of the customer by the second self-service terminal by using the reserved resource after the second self-service terminal receives the transaction support command.

[0017] The embodiment of the present application also provides a computer device, which comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, and the processor realizes the bank self-service terminal transaction method when executing the computer program.

[0018] The embodiment of the present application also provides a computer readable storage medium, which stores a computer program, and the computer program realizes the bank self-service terminal transaction method when being executed by a processor.

[0019] The embodiment of the present application further provides a computer program product, which comprises a computer program, and the computer program is executed by a processor to realize the method for bank self-service terminal transaction.

[0020] In the embodiment of the present application, the resource deficiency information sent by the first self-service terminal is received, the resource deficiency information is generated by the first self-service terminal according to the service processing when the customer processes the service at the first self-service terminal; it is judged whether the customer category to which the customer belongs is a risk-controllable customer category; when the customer category to which the customer belongs is the risk-controllable customer category, the second self-service terminal satisfying the resource requirement of the customer for service processing is determined, and the information of the second self-service terminal is sent to the mobile terminal of the customer; when the customer confirms to process the service at the second self-service terminal, the corresponding resource voucher of the customer is generated, and the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher are stored in the database; the resource voucher is sent to the mobile terminal of the customer, and the instruction for reserving the resource for the customer is sent to the second self-service terminal, and the second self-service terminal reserves the resource corresponding to the resource voucher after receiving the instruction for reserving the resource for the customer; when the resource voucher input by the customer sent by the second self-service terminal is received, the database is inquired to judge whether the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher satisfy the service processing condition, and if yes, the transaction support command is sent to the second self-service terminal, and the second self-service terminal supports the transaction of the customer by using the reserved resource after receiving the transaction support command. In the above process, the second self-service terminal satisfying the resource requirement of the customer for service processing is determined by analyzing the customer category, and the second self-service terminal can reserve the resource, so that the customer processes the service at the second self-service terminal, and convenience is provided for the customer. BRIEF DESCRIPTION OF DRAWINGS

[0021] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or the prior art description. Obviously, the drawings in the following description only some embodiments of the present application, and for those skilled in the art, other drawings can also be obtained without creative labor on the basis of these drawings. In the drawings:

[0022] Figure 1 The flow chart of the method for bank self-service terminal transaction in the embodiment of the present application;

[0023] Figure 2 The flow chart of determining the risk-controllable customer category in the embodiment of the present application;

[0024] Figure 3 The flow chart of determining the risk-controllable customer category according to multiple large customer categories in the embodiment of the present application;

[0025] Figure 4 Flow chart for determining a second self-service terminal satisfying the resource requirement of the customer's service handling in an embodiment of the present application;

[0026] Figure 5 Flow chart for determining a second self-service terminal according to a plurality of alternative self-service terminals in an embodiment of the present application;

[0027] Figure 6 Flow chart for determining a second self-service terminal according to a recommendation coefficient in an embodiment of the present application;

[0028] Figure 7 Flow chart for generating a corresponding resource voucher for a customer in an embodiment of the present application;

[0029] Figure 8 Schematic diagram of the device for bank self-service terminal transaction in an embodiment of the present application Figure 1 ;

[0030] Figure 9 Schematic diagram of the device for bank self-service terminal transaction in an embodiment of the present application Figure 2 .DETAILED DESCRIPTION

[0031] In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the embodiments of the present application are further described in detail below with reference to the drawings. Herein, the schematic embodiments of the present application and the descriptions thereof are used to explain the present application, but not as a limitation of the present application.

[0032] In the description of the present specification, "comprise", "include", "have", "contain" and the like are all open terms, i.e. meaning containing but not limited to. The description referring to the terms "one embodiment", "one specific embodiment", "some embodiments", "for example" and the like means that the specific features, structures or characteristics described in connection with the embodiment or example are contained in at least one embodiment or example of the present application. In the present specification, the schematic description of the above terms does not necessarily mean the same embodiment or example. Moreover, the specific features, structures or characteristics described can be combined in any one or more embodiments or examples in a suitable manner. The order of the steps involved in the embodiments is used for the schematic description of the embodiments of the present application, and the order of the steps is not limited, and can be adjusted as needed.

[0033] Figure 1 Flow chart for the method of bank self-service terminal transaction in an embodiment of the present application, as shown in Figure 1 , comprising:

[0034] Step 101, receiving resource insufficient information sent by a first self-service terminal, wherein the resource insufficient information is generated by the first self-service terminal according to a service processing condition when a customer processes a service at the first self-service terminal;

[0035] Step 102, judging whether a customer category to which the customer belongs is a risk-controllable customer category;

[0036] Step 103, when the customer category to which the customer belongs is the risk-controllable customer category, determining a second self-service terminal that meets a resource requirement of the service processing of the customer, and sending information of the second self-service terminal to a mobile terminal of the customer;

[0037] Step 104, when receiving a confirmation of the customer that the customer processes the service at the second self-service terminal, generating a corresponding resource voucher for the customer, and storing a terminal number of the second self-service terminal, the resource voucher and a valid time of the resource voucher in a database;

[0038] Step 105, sending the resource voucher to the mobile terminal of the customer, and sending a resource reservation instruction for the customer to the second self-service terminal, wherein the second self-service terminal reserves a resource corresponding to the resource voucher after receiving the resource reservation instruction for the customer;

[0039] Step 106, when receiving a resource voucher input by the customer and sent by the second self-service terminal, querying the database to judge whether the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher meet a service processing condition, and if yes, sending a transaction support command to the second self-service terminal, wherein the second self-service terminal supports a transaction of the customer by using the reserved resource after receiving the transaction support command.

[0040] In the embodiment of the application, the second self-service terminal that meets the resource requirement of the service processing of the customer is determined by analyzing the customer category, and the second self-service terminal can reserve the resource, so that the customer processes the service at the second self-service terminal and the customer is provided with convenience.

[0041] Specifically, the self-service terminal can be an ATM, and in step 103, when the customer category to which the customer belongs is the risk-controllable customer category, the second self-service terminal that meets the resource requirement of the service processing of the customer is determined, and information (mainly position information) of the second self-service terminal is sent to the mobile terminal of the customer; in addition, the position information of the second self-service terminal can also be sent to a first self-service terminal interface to be obtained by the customer, such as scanning a code.

[0042] In an embodiment, the method further comprises classifying customers of a bank according to the following steps to obtain a plurality of customer categories:

[0043] 1. Determine the value of each attribute dimension corresponding to each customer (for example, the attribute dimensions can include various transaction categories, and the value of each transaction category corresponding to a customer is the number of transactions in the transaction data of the customer that belong to the transaction category)

[0044] 2. Determine the distance function of the customer based on the above attribute dimensions;

[0045] First, for each attribute dimension, determine the distance function of the attribute dimension, wherein the distance function determines the distance between any two customers as the absolute value of the difference between the two values of the attribute dimension corresponding to the two customers;

[0046] Then determine the distance function of the customer as Where f is the distance function of the customer, f i And w i The distance function of the i-th attribute dimension and the corresponding weight coefficient, respectively.

[0047] 3. Loop the following steps until the maximum value of the proportion of customers corresponding to each risk level in each customer category obtained is greater than a set value:

[0048] If multiple customer categories have been clustered, select all customers in a customer category k from the obtained multiple customer categories, and delete the customer category k from the obtained multiple customer categories, wherein the maximum value of the proportion of customers corresponding to each risk level in the customer category k is greater than a set value, otherwise select all customers of the bank;

[0049] Cluster all selected customers according to the distance function of the customer to obtain multiple new customer categories.

[0050] Specifically, when clustering, an unsupervised clustering algorithm (such as K-means) can be used, or a supervised clustering algorithm can be used with the main transaction category of the customer as the category identifier.

[0051] Figure 2 A flowchart for determining the risk-controllable customer category in the embodiment of the present application, in an embodiment, the risk-controllable customer category is determined by the following steps:

[0052] Step 201, for each customer category, determine the risk indicator of each dimension corresponding to the customer category according to the transaction data of the customer category;

[0053] Step 202, determine the partial order of the customer category according to the risk indicator, wherein the partial order is used to determine whether a first customer category in any two customer categories is safer than a second customer category;

[0054] Step 203: Determine a plurality of extremely large customer categories in a partial order of customer categories, wherein for each extremely large customer category, no other customer category other than the extremely large customer category among all customer categories of the bank is safer than the extremely large customer category;

[0055] Step 204: Determine the risk controllable customer category based on the multiple large customer categories.

[0056] In one embodiment, for each customer category, risk indicators corresponding to each dimension of the customer category are determined based on the transaction data of the customer category, including:

[0057] Dividing the transaction data of the customer category into multiple data subsets;

[0058] For each data subset, determine the risk indicator samples for each dimension corresponding to the customer category;

[0059] The risk indicator of each dimension corresponding to the customer category is determined as the mean value of the risk indicator sample of each dimension corresponding to the customer category.

[0060] In one embodiment, determining the partial order of customer categories based on risk indicators includes:

[0061] For any two customer categories, if, for any dimension, the risk indicator of the first customer category of the two customer categories corresponding to that dimension is less than or equal to the risk indicator of the second customer category of the two customer categories corresponding to that dimension, and the risk indicator of the first customer category corresponding to each dimension is less than the set threshold, then the first customer category is determined to be safer than the second customer category.

[0062] Figure 3 The flowchart of determining a customer category with manageable risk based on multiple large customer categories in an embodiment of the present invention is as follows. In one embodiment, determining a customer category with manageable risk based on multiple large customer categories includes:

[0063] Step 301: For each dimension, the maximum value of the risk indicators of multiple extremely large customer categories corresponding to the dimension is used as the indicator threshold corresponding to the dimension;

[0064] Step 302: For each customer category, if the risk indicator of each dimension corresponding to the customer category is less than or equal to the indicator threshold corresponding to the dimension, the customer category is regarded as a customer category with controllable risk.

[0065] Note: Dimensions may include: transaction scenario, transaction time, transaction location, transaction category, etc.

[0066] Figure 4For the flowchart of determining the second self-service terminal satisfying the resource requirement of the service handling of the customer in the embodiment of the present application, in an embodiment, the determining the second self-service terminal satisfying the resource requirement of the service handling of the customer comprises:

[0067] Step 401, obtaining a plurality of self-service terminals satisfying the resource requirement of the service handling of the customer and having a distance less than a first distance threshold (such as 2000 meters) from the first self-service terminal;

[0068] Step 402, for each self-service terminal obtained, determining a transaction risk probability corresponding to the self-service terminal according to transaction data of the self-service terminal, and determining an environmental risk probability corresponding to the self-service terminal according to payment data of payment locations within a specified distance range of the self-service terminal (that is, payment data of merchants (such as supermarkets, bookstores, grocery stores, and restaurants) having a distance less than a second threshold from the first self-service terminal);

[0069] Step 403, determining a partial order of the self-service terminals according to the transaction risk probability and the environmental risk probability, wherein for any two self-service terminals of the plurality of self-service terminals, if a first transaction risk probability corresponding to the first self-service terminal is less than or equal to a second transaction risk probability corresponding to the second self-service terminal, and a first environmental risk probability corresponding to the first self-service terminal is less than or equal to a second environmental risk probability corresponding to the second self-service terminal, it is determined that the first self-service terminal is superior to the second self-service terminal;

[0070] Step 404, selecting a plurality of candidate self-service terminals from the plurality of self-service terminals according to the partial order of the self-service terminals, wherein for each candidate self-service terminal, there is no self-service terminal other than the candidate self-service terminal in the plurality of self-service terminals that is superior to the candidate self-service terminal;

[0071] Step 405, determining the second self-service terminal according to the plurality of candidate self-service terminals.

[0072] In an embodiment, for each self-service terminal obtained, determining a transaction risk probability corresponding to the self-service terminal according to transaction data of the self-service terminal, and determining an environmental risk probability corresponding to the self-service terminal according to payment data of payment locations within a specified distance range of the self-service terminal comprises:

[0073] For each self-service terminal obtained, the payment data of the payment locations within the specified distance range of the self-service terminal is divided into a plurality of payment data subsets according to an order (such as a time sequence), wherein each payment data subset contains a number of payment transactions greater than a first threshold, and the difference in the number of payment transactions contained by any two payment data subsets is less than a second threshold;

[0074] determining a proportion of the number of risk payment transactions in all payment transactions included in each payment data subset as an environmental risk sample corresponding to the self-service terminal;

[0075] based on all environmental risk samples corresponding to the self-service terminal, determining a variance δ and a sample l corresponding to the environmental risk corresponding to the self-service terminal, and determining the probability convergence upper bound as

[0076] cyclically performing the following steps until the probability convergence upper bound is less than the probability convergence threshold:

[0077] obtaining new payment data of payment locations within a specified distance range of the self-service terminal, and dividing the new payment data into a plurality of new payment data subsets in order, wherein the number of payment transactions included in each new payment data subset is greater than a first threshold, and the difference in the number of payment transactions included in any two new payment data subsets is less than a second threshold;

[0078] determining a proportion of the number of risk payment transactions in all payment transactions included in each new payment data subset as an environmental risk sample corresponding to the self-service terminal;

[0079] based on all environmental risk samples corresponding to the self-service terminal, updating the variance δ and the sample l corresponding to the environmental risk corresponding to the self-service terminal, and calculating a new and updating the probability convergence upper bound to the new

[0080] When the probability convergence upper bound is less than the probability convergence threshold, the environmental risk probability corresponding to the self-service terminal is determined as the mean of the environmental risk samples corresponding to the self-service terminal.

[0081] wherein the probability convergence threshold is determined according to the law of large numbers, specifically:

[0082] setting an environmental risk error maximum value β, and a probability p that an acceptable environmental risk error is greater than β;

[0083] determining the probability convergence threshold as β 2 ×p.

[0084] The method for determining the transaction risk probability is similar to the above method.

[0085] Figure 5 A flowchart for determining a second self-service terminal according to a plurality of alternative self-service terminals in an embodiment of the present application, in an embodiment, according to a plurality of alternative self-service terminals, a second self-service terminal is determined, comprising:

[0086] Step 501, determining the risk probability corresponding to each alternative self-service terminal according to the transaction risk probability and the environment risk probability corresponding to each alternative self-service terminal; wherein the risk probability corresponding to the ith alternative self-service terminal is determined as r i = r i t + r i e, wherein r i t and r i e are the transaction risk probability and the environment risk probability corresponding to the ith alternative self-service terminal respectively. wherein r i = r i t + r i e, r i t and r i e are the transaction risk probability and the environment risk probability corresponding to the ith alternative self-service terminal respectively. i i1 i2 i1 i2

[0087] Step 502, determining the recommendation coefficient of each alternative self-service terminal according to the risk probability, wherein the recommendation coefficient corresponding to the ith alternative self-service terminal is determined as r i = r i t + r i e.

[0088] Step 503, determining the second self-service terminal according to the recommendation coefficient.

[0089] Specifically, when the screen of the first self-service terminal can display the information of N self-service terminals, the recommendation coefficients can be sorted, and the top N alternative self-service terminals can be displayed on the first self-service terminal.

[0090] When only one self-service terminal is recommended, a probability method can be selected, as follows:

[0091] Figure 6 A flowchart for determining the second self-service terminal according to the recommendation coefficient in the embodiment of the application, in an embodiment, determining the second self-service terminal according to the recommendation coefficient comprises:

[0092] Step 601, selecting a probability density function f, and dividing the definition domain of the function f into a plurality of non-intersecting real value intervals, wherein the real value intervals and the alternative self-service terminals are in one-to-one correspondence, and the integral value of the function f in each real value interval is equal to the recommendation coefficient of the alternative self-service terminal corresponding to the real value interval;

[0093] Step 602, generating a random number according to the function f;

[0094] Step 603, taking the alternative self-service terminal corresponding to the real value interval in which the random number is located as the second self-service terminal.

[0095] Figure 7 A flowchart for generating the corresponding resource voucher for the customer in the embodiment of the application, in an embodiment, when the customer confirms to go to the second self-service terminal to handle the business, the corresponding resource voucher is generated for the customer, comprising:

[0096] Step 701, generating a corresponding hash value according to the transaction data of the customer at the first self-service terminal;

[0097] ​Step 702, generating a corresponding resource voucher from the hash value and the digital signature information of the bank server.

[0098] In summary, in the method provided in the embodiments of the present application, resource insufficient information sent by a first self-service terminal is received, the resource insufficient information being generated by the first self-service terminal according to a service handling condition when a customer handles a service at the first self-service terminal; it is determined whether a customer category to which the customer belongs is a risk-controllable customer category; when the customer category to which the customer belongs is the risk-controllable customer category, a second self-service terminal satisfying a resource requirement of the customer for service handling is determined, and information of the second self-service terminal is sent to a mobile terminal of the customer; when it is received that the customer confirms to go to the second self-service terminal to handle a service, a corresponding resource voucher is generated for the customer, and a terminal number of the second self-service terminal, the resource voucher, and a valid time of the resource voucher are stored in a database; the resource voucher is sent to the mobile terminal of the customer, and a resource reservation instruction for the customer is sent to the second self-service terminal, the second self-service terminal reserving a resource corresponding to the resource voucher after receiving the resource reservation instruction for the customer; when it is received that the customer inputs the resource voucher, the database is queried to determine whether the terminal number of the second self-service terminal, the resource voucher, and the valid time of the resource voucher satisfy a service handling condition, and if so, a transaction support command is sent to the second self-service terminal, the second self-service terminal supporting a transaction of the customer by using the reserved resource after receiving the transaction support command. In the above process, by analyzing a customer category, a second self-service terminal satisfying a resource requirement of the customer for service handling is determined, and the second self-service terminal can reserve a resource, so that the customer handles a service at the second self-service terminal, and convenience is provided for the customer.

[0099] Figure 8 A schematic diagram of a device for bank self-service terminal transaction in the embodiments of the present application Figure 1 , comprising:

[0100] A resource insufficient information receiving module 801 is configured to receive resource insufficient information sent by a first self-service terminal, the resource insufficient information being generated by the first self-service terminal according to a service handling condition when a customer handles a service at the first self-service terminal;

[0101] A customer category determining module 802 is configured to determine whether a customer category to which the customer belongs is a risk-controllable customer category;

[0102] A second self-service terminal recommending module 803 is configured to determine a second self-service terminal satisfying a resource requirement of the customer for service handling when the customer category to which the customer belongs is the risk-controllable customer category, and send information of the second self-service terminal to a mobile terminal of the customer;

[0103] The resource credential generation module 804 is configured to generate a corresponding resource credential for the customer when the customer confirms to conduct the service at the second self-service terminal, and store the terminal number of the second self-service terminal, the resource credential and the validity time of the resource credential into the database;

[0104] The information sending module 805 is configured to send the resource credential to the mobile terminal of the customer, and send a resource reservation instruction for the customer to the second self-service terminal, which reserves the resource corresponding to the resource credential after receiving the resource reservation instruction for the customer.

[0105] The transaction module 806 is configured to query the database when receiving the resource credential input by the customer and sent by the second self-service terminal, and determine whether the terminal number of the second self-service terminal, the resource credential and the validity time of the resource credential meet the service processing condition, and if so, send a transaction support command to the second self-service terminal, which supports the transaction of the customer by using the reserved resource after receiving the transaction support command.

[0106] Figure 9 The device for bank self-service terminal transaction in the embodiment of the application Figure 2 In an embodiment, the device further comprises a risk-controllable customer class determination module 901 configured to determine the risk-controllable customer class by using the following steps:

[0107] For each customer class, determine the risk indicator of each dimension corresponding to the customer class according to the transaction data of the customer class.

[0108] Determine the partial order of the customer classes according to the risk indicators, wherein the partial order is used to determine whether a first customer class in any two customer classes is safer than a second customer class.

[0109] Determine a plurality of maximal customer classes of the partial order of the customer classes, wherein for each maximal customer class, there is no customer class other than the maximal customer class that is safer than the maximal customer class among all customer classes of the bank.

[0110] Determine the risk-controllable customer class according to the plurality of maximal customer classes.

[0111] In an embodiment, the risk-controllable customer class determination module is specifically configured to:

[0112] For any two customer classes, if the risk indicator of each dimension corresponding to a first customer class in the two customer classes is less than or equal to the risk indicator of each dimension corresponding to a second customer class in the two customer classes, and the risk indicator of each dimension corresponding to the first customer class is less than a set threshold, it is determined that the first customer class is safer than the second customer class.

[0113] In an embodiment, the risk-controllable customer category determining module is specifically configured to:

[0114] For each dimension, taking the maximum value of the risk indicators of the plurality of maximum customer categories corresponding to the dimension as the indicator threshold corresponding to the dimension;

[0115] For each customer category, if the risk indicators of the customer category corresponding to each dimension are all less than or equal to the indicator threshold corresponding to the dimension, taking the customer category as a risk-controllable customer category.

[0116] In an embodiment, the second self-service terminal recommendation module is specifically configured to:

[0117] obtaining a plurality of self-service terminals whose distances to the first self-service terminal are less than a first distance threshold and which are capable of the resource demand of the customer for business handling;

[0118] For each self-service terminal obtained, determining a transaction risk probability corresponding to the self-service terminal according to transaction data of the self-service terminal, and determining an environmental risk probability corresponding to the self-service terminal according to payment data of payment locations within a specified distance range of the self-service terminal;

[0119] determining a partial order of the self-service terminals according to the transaction risk probabilities and the environmental risk probabilities, wherein for any two self-service terminals of the plurality of self-service terminals, if a first transaction risk probability corresponding to the first self-service terminal is less than or equal to a second transaction risk probability corresponding to the second self-service terminal, and a first environmental risk probability corresponding to the first self-service terminal is less than or equal to a second environmental risk probability corresponding to the second self-service terminal, then the first self-service terminal is determined to be superior to the second self-service terminal;

[0120] selecting a plurality of candidate self-service terminals from the plurality of self-service terminals according to the partial order of the self-service terminals, wherein for each candidate self-service terminal, there is no self-service terminal other than the candidate self-service terminal in the plurality of self-service terminals that is superior to the candidate self-service terminal;

[0121] determining the second self-service terminal according to the plurality of candidate self-service terminals.

[0122] In an embodiment, the second self-service terminal recommendation module is specifically configured to:

[0123] determining a risk probability corresponding to each candidate self-service terminal according to a transaction risk probability and an environmental risk probability corresponding to the candidate self-service terminal; wherein the risk probability corresponding to the i th candidate self-service terminal is determined as wherein r i is the risk probability corresponding to the i th candidate self-service terminal, r i1 and r i2 are respectively the transaction risk probability and the environmental risk probability corresponding to the i th candidate self-service terminal;

[0124] determining a recommendation coefficient of each of the candidate self-service terminals according to the risk probability, wherein the recommendation coefficient of the ith candidate self-service terminal is determined as

[0125] determining the second self-service terminal according to the recommendation coefficient.

[0126] In an embodiment, the second self-service terminal recommendation module is specifically configured to:

[0127] select a probability density function f, and divide a definition domain of the function f into a plurality of disjoint real value intervals, wherein each real value interval corresponds to one candidate self-service terminal, and an integral value of the function f in each real value interval is equal to the recommendation coefficient of the candidate self-service terminal corresponding to the real value interval;

[0128] generating a random number according to the function f;

[0129] selecting the candidate self-service terminal corresponding to the real value interval in which the random number is located as the second self-service terminal.

[0130] In an embodiment, the resource voucher generation module is specifically configured to:

[0131] generating a hash value corresponding to the transaction data of the customer at the first self-service terminal;

[0132] generating a resource voucher corresponding to the hash value and the digital signature information of the bank server.

[0133] In summary, in the device provided by the embodiment of the present application, the resource shortage information sent by the first self-service terminal is received, the resource shortage information is generated by the first self-service terminal according to the service processing when the customer processes the service at the first self-service terminal; it is judged whether the customer class to which the customer belongs is a risk-controllable customer class; when the customer class to which the customer belongs is the risk-controllable customer class, the second self-service terminal satisfying the resource requirement of the customer in service processing is determined, and the information of the second self-service terminal is sent to the mobile terminal of the customer; when the customer confirms to process the service at the second self-service terminal, the corresponding resource voucher of the customer is generated, and the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher are stored in the database; the resource voucher is sent to the mobile terminal of the customer, and the resource reservation instruction for the customer is sent to the second self-service terminal, and the second self-service terminal reserves the resource corresponding to the resource voucher after receiving the resource reservation instruction for the customer; when the resource voucher input by the customer sent by the second self-service terminal is received, the database is inquired to judge whether the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher satisfy the service processing condition, if yes, the transaction support command is sent to the second self-service terminal, and the second self-service terminal supports the transaction of the customer by using the reserved resource after receiving the transaction support command. In the above process, the second self-service terminal satisfying the resource requirement of the customer in service processing is determined by analyzing the customer class, and the second self-service terminal can reserve the resource, so that the customer processes the service at the second self-service terminal, and convenience is provided for the customer.

[0134] The embodiment of the present application further provides a computer device, the computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, and the processor implements the method for bank self-service terminal transaction when executing the computer program.

[0135] The embodiment of the present application further provides a computer readable storage medium, the computer readable storage medium storing a computer program, and the computer program implements the method for bank self-service terminal transaction when executed by the processor.

[0136] The embodiment of the present application further provides a computer program product, the computer program product comprising a computer program, and the computer program implements the method for bank self-service terminal transaction when executed by the processor.

[0137] Those skilled in the art will appreciate that embodiments of the application can be devised for a system, a method, or an computer program business system. As such, embodiments of the application can be embodied in a variety of forms, all of which have been contemplated to be within the scope of the application. Furthermore, the application can be practiced in the form of a computer program business system embodied on one or more computer-usable storage media (including, but not limited to, magnetic disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied thereon.

[0138] The present application is described in reference to the flowchart and / or block diagrams of the method, apparatus (system) and computer program business system according to the embodiments of the present application. It will be understood that each block of the flowchart and / or block diagrams, and combinations of blocks in the flowchart and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart and / or block diagrams block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks.

[0139] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the function specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks.

[0140] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks.

[0141] The specific embodiments described above have been shown by way of example, and any modifications, well as other equivalents, are intended to be within the scope of the application.

Claims

1. A method of conducting a transaction at a bank self-service terminal, characterized by, The method comprises the following steps: receiving resource shortage information sent by a first self-service terminal, wherein the resource shortage information is generated by the first self-service terminal according to a service process when a customer is conducting a service at the first self-service terminal; judging whether a customer category to which the customer belongs is a risk-controllable customer category; when the customer category to which the customer belongs is the risk-controllable customer category, determining a second self-service terminal that meets a resource requirement of the service of the customer, and sending information of the second self-service terminal to a mobile terminal of the customer; when it is received that the customer confirms to go to the second self-service terminal to conduct the service, generating a corresponding resource voucher for the customer, and storing a terminal number of the second self-service terminal, the resource voucher and a valid time of the resource voucher in a database; sending the resource voucher to the mobile terminal of the customer, and sending a resource reservation instruction for the customer to the second self-service terminal, wherein the second self-service terminal reserves the resource corresponding to the resource voucher after receiving the resource reservation instruction for the customer; when it is received that the customer inputs the resource voucher at the second self-service terminal, querying the database to judge whether the terminal number of the second self-service terminal, the resource voucher and the valid time of the resource voucher meet a service condition, and if so, sending a transaction support command to the second self-service terminal, wherein the second self-service terminal supports the transaction of the customer by using the reserved resource after receiving the transaction support command; determining the second self-service terminal that meets the resource requirement of the service of the customer comprises the following steps: obtaining a plurality of self-service terminals that are within a first distance threshold from the first self-service terminal and can meet the resource requirement of the service of the customer; for each self-service terminal obtained, determining a transaction risk probability corresponding to the self-service terminal according to transaction data of the self-service terminal, and determining an environmental risk probability corresponding to the self-service terminal according to payment data of a payment site within a specified distance range of the self-service terminal; determining a partial order of the self-service terminals according to the transaction risk probability and the environmental risk probability, wherein for any two self-service terminals of the plurality of self-service terminals, if a first transaction risk probability corresponding to the first self-service terminal is less than or equal to a second transaction risk probability corresponding to the second self-service terminal, and a first environmental risk probability corresponding to the first self-service terminal is less than or equal to a second environmental risk probability corresponding to the second self-service terminal, then the first self-service terminal is determined to be superior to the second self-service terminal; selecting a plurality of candidate self-service terminals from the plurality of self-service terminals according to the partial order of the self-service terminals, wherein for each candidate self-service terminal, there is no self-service terminal other than the candidate self-service terminal that is superior to the candidate self-service terminal in the plurality of self-service terminals; and determining the second self-service terminal according to the plurality of candidate self-service terminals; For each self-service terminal obtained, according to transaction data of the self-service terminal, a transaction risk probability corresponding to the self-service terminal is determined, and according to payment data of a payment site within a specified distance range of the self-service terminal, an environmental risk probability corresponding to the self-service terminal is determined, including: for each self-service terminal obtained, payment data of a payment site within a specified distance range of the self-service terminal is divided into a plurality of payment data subsets in order, wherein the number of payment transactions contained in each payment data subset is greater than a first threshold, and the difference in the number of payment transactions contained in any two payment data subsets is less than a second threshold; the proportion of the number of risk payment transactions in all payment transactions contained in each payment data subset is determined, and the proportion is taken as an environmental risk sample corresponding to the self-service terminal; based on all environmental risk samples corresponding to the self-service terminal, a variance δ corresponding to the environmental risk of the self-service terminal and a corresponding sample l are determined, and a probability convergence upper bound is determined as The following steps are cyclically executed until the probability convergence upper bound is less than a probability convergence threshold: new payment data of a payment site within a specified distance range of the self-service terminal is obtained, and the new payment data is divided into a plurality of new payment data subsets in order, wherein the number of payment transactions contained in each new payment data subset is greater than the first threshold, and the difference in the number of payment transactions contained in any two new payment data subsets is less than the second threshold; the proportion of the number of risk payment transactions in all payment transactions contained in each new payment data subset is determined, and the proportion is taken as an environmental risk sample corresponding to the self-service terminal; based on all environmental risk samples corresponding to the self-service terminal, the variance δ corresponding to the environmental risk of the self-service terminal and the corresponding sample l are updated, and a new The probability convergence upper bound is updated as the new When the probability convergence upper bound is less than the probability convergence threshold, the environmental risk probability corresponding to the self-service terminal is determined as the mean of the environmental risk samples corresponding to the self-service terminal.

2. The method of claim 1, wherein, the method further comprises the following steps for determining the risk-controllable customer category: for each customer category, determining risk indicators corresponding to each dimension of the customer category according to transaction data of the customer category; determining a partial order of the customer categories according to the risk indicators, wherein the partial order is used to determine whether a first customer category of any two customer categories is safer than a second customer category. determining a plurality of maximal customer classes of the partial order of customer classes, wherein for each maximal customer class, there is no other customer class in all customer classes of the bank that is safer than the maximal customer class except for the maximal customer class; determining the risk-controllable customer classes according to the plurality of maximal customer classes.

3. The method of claim 2, wherein, determining a partial order of customer classes according to the risk indicators, comprising: for any two customer classes, if for any dimension, the risk indicator of a first customer class of the two customer classes corresponding to the dimension is less than or equal to the risk indicator of a second customer class of the two customer classes corresponding to the dimension, and the risk indicator of the first customer class corresponding to each dimension is less than a set threshold, then determining that the first customer class is safer than the second customer class.

4. The method of claim 2, wherein, determining the risk-controllable customer classes according to the plurality of maximal customer classes, comprising: for each dimension, taking the maximum value of the risk indicators of the plurality of maximal customer classes corresponding to the dimension as an indicator threshold corresponding to the dimension; for each customer class, if the risk indicator of the customer class corresponding to each dimension is less than or equal to the indicator threshold corresponding to the dimension, then taking the customer class as a risk-controllable customer class.

5. The method of claim 1, wherein, determining a second self-service terminal according to a plurality of candidate self-service terminals, comprising: According to the transaction risk probability and the environment risk probability corresponding to each alternative self-service terminal, determine the risk probability corresponding to each alternative self-service terminal; wherein the risk probability corresponding to the ith alternative self-service terminal is determined as wherein, r i is the risk probability corresponding to the ith alternative self-service terminal, r i1 and r i2 are respectively the transaction risk probability and the environment risk probability corresponding to the ith alternative self-service terminal; According to the risk probability, a recommendation coefficient of each candidate self-service terminal is determined, wherein the recommendation coefficient corresponding to the ith candidate self-service terminal is determined as determining the second self-service terminal according to the recommendation coefficients.

6. The method of claim 5, wherein, determining a second self-service terminal according to recommendation coefficients, comprising: selecting a probability density function f, and dividing the domain of the function f into a plurality of disjoint real value intervals, wherein each real value interval corresponds to a candidate self-service terminal, and the integral value of the function f in each real value interval is equal to the recommendation coefficient of the candidate self-service terminal corresponding to the real value interval; generating a random number according to the function f; taking the candidate self-service terminal corresponding to the real value interval in which the random number is located as the second self-service terminal.

7. The method of claim 1, wherein, generating a corresponding resource voucher for the customer when the customer confirms to go to the second self-service terminal to conduct a business, comprising: generating a corresponding hash value according to the transaction data of the customer at the first self-service terminal; generating a corresponding resource voucher from the hash value and the digital signature information of the bank server.

8. An apparatus for bank self-service terminal transaction, characterized by, comprising: a resource shortage information receiving module, configured to receive resource shortage information sent by a first self-service terminal, wherein the resource shortage information is generated by the first self-service terminal according to a business handling situation when a customer conducts a business at the first self-service terminal; a customer class judging module, configured to judge whether a customer class to which the customer belongs is a risk-controllable customer class; a second self-service terminal recommendation module, configured to, when the customer class to which the customer belongs is a risk-controllable customer class, determine a second self-service terminal that satisfies the resource demand of the business handling of the customer, and send information of the second self-service terminal to a mobile terminal of the customer; a resource voucher generating module, configured to, when the customer confirms to go to the second self-service terminal to conduct a business, generate a corresponding resource voucher for the customer, and store a terminal number of the second self-service terminal, the resource voucher, and an effective time of the resource voucher into a database. The information sending module is configured to send the resource credential to the mobile terminal of the customer, and send a resource reserving instruction for the customer to a second self-service terminal. After receiving the resource reserving instruction, the second self-service terminal reserves the resource corresponding to the resource credential. The transaction module is configured to, after receiving the resource credential input by the customer sent by the second self-service terminal, query the database to determine whether the terminal number of the second self-service terminal, the resource credential, and the validity time of the resource credential satisfy a business handling condition. If yes, the transaction module sends a transaction support command to the second self-service terminal. After receiving the transaction support command, the second self-service terminal supports the transaction of the customer by using the reserved resource. The second self-service terminal recommendation module is specifically configured to: acquire a plurality of self-service terminals that are within a first distance threshold from the first self-service terminal and can meet the resource requirement of the customer for business handling; for each self-service terminal acquired, determine a transaction risk probability corresponding to the self-service terminal according to transaction data of the self-service terminal, and determine an environmental risk probability corresponding to the self-service terminal according to payment data of a payment location within a specified distance range of the self-service terminal; determine a partial order of the self-service terminals according to the transaction risk probability and the environmental risk probability, wherein for any two self-service terminals of the plurality of self-service terminals, if a first transaction risk probability corresponding to the first self-service terminal is less than or equal to a second transaction risk probability corresponding to the second self-service terminal, and a first environmental risk probability corresponding to the first self-service terminal is less than or equal to a second environmental risk probability corresponding to the second self-service terminal, it is determined that the first self-service terminal is superior to the second self-service terminal; select a plurality of candidate self-service terminals from the plurality of self-service terminals according to the partial order of the self-service terminals, wherein for each candidate self-service terminal, there is no self-service terminal other than the candidate self-service terminal that is superior to the candidate self-service terminal in the plurality of self-service terminals; and determine the second self-service terminal according to the plurality of candidate self-service terminals. For each self-service terminal obtained, according to transaction data of the self-service terminal, a transaction risk probability corresponding to the self-service terminal is determined, and according to payment data of a payment site within a specified distance range of the self-service terminal, an environmental risk probability corresponding to the self-service terminal is determined, including: for each self-service terminal obtained, payment data of a payment site within a specified distance range of the self-service terminal is divided into a plurality of payment data subsets in order, wherein the number of payment transactions contained in each payment data subset is greater than a first threshold, and the difference in the number of payment transactions contained in any two payment data subsets is less than a second threshold; the proportion of the number of risk payment transactions in all payment transactions contained in each payment data subset is determined, and the proportion is taken as an environmental risk sample corresponding to the self-service terminal; based on all environmental risk samples corresponding to the self-service terminal, a variance δ corresponding to the environmental risk of the self-service terminal and a corresponding sample l are determined, and a probability convergence upper bound is determined as The following steps are cyclically executed until the probability convergence upper bound is less than a probability convergence threshold: new payment data of a payment site within a specified distance range of the self-service terminal is obtained, and the new payment data is divided into a plurality of new payment data subsets in order, wherein the number of payment transactions contained in each new payment data subset is greater than the first threshold, and the difference in the number of payment transactions contained in any two new payment data subsets is less than the second threshold; the proportion of the number of risk payment transactions in all payment transactions contained in each new payment data subset is determined, and the proportion is taken as an environmental risk sample corresponding to the self-service terminal; based on all environmental risk samples corresponding to the self-service terminal, the variance δ corresponding to the environmental risk of the self-service terminal and the corresponding sample l are updated, and a new The probability convergence upper bound is updated as the new When the probability convergence upper bound is less than the probability convergence threshold, the environmental risk probability corresponding to the self-service terminal is determined as the mean of the environmental risk samples corresponding to the self-service terminal.

9. The apparatus of claim 8, wherein, The risk-controllable customer category determination module is further configured to determine the risk-controllable customer category by using the following steps: For each customer category, determine a risk indicator corresponding to each dimension of the customer category according to transaction data of the customer category; determine a partial order of the customer categories according to the risk indicators, wherein the partial order is used to determine whether a first customer category of any two customer categories is safer than a second customer category; determine a plurality of maximal customer categories of the partial order of the customer categories, wherein for each maximal customer category, there is no customer category other than the maximal customer category that is safer than the maximal customer category in all customer categories of the bank; determine the risk-controllable customer category according to the plurality of maximal customer categories.

10. The apparatus of claim 8, wherein, The risk-controllable customer category determination module is specifically configured to: for any two customer categories, if for any dimension, a risk indicator corresponding to the dimension of a first customer category of the two customer categories is less than or equal to a risk indicator corresponding to the dimension of a second customer category of the two customer categories, and the risk indicators corresponding to each dimension of the first customer category are all less than a set threshold, it is determined that the first customer category is safer than the second customer category.

11. The apparatus of claim 9, wherein, The risk-controllable customer category determination module is specifically configured to: For each dimension, the maximum value of the risk indicators of the plurality of maximum customer categories corresponding to the dimension is taken as the indicator threshold corresponding to the dimension; For each customer category, if the risk indicators of the customer category corresponding to each dimension are all less than or equal to the indicator threshold corresponding to the dimension, the customer category is taken as a risk-controllable customer category.

12. The apparatus of claim 8, wherein, The second self-service terminal recommendation module is specifically configured to: According to the transaction risk probability and the environment risk probability corresponding to each alternative self-service terminal, determine the risk probability corresponding to each alternative self-service terminal; wherein the risk probability corresponding to the ith alternative self-service terminal is determined as Wherein, r i is the risk probability corresponding to the ith alternative self-service terminal, r i1 and r i2 are respectively the transaction risk probability and the environment risk probability corresponding to the ith alternative self-service terminal; According to the risk probability, a recommendation coefficient of each candidate self-service terminal is determined, wherein the recommendation coefficient corresponding to the ith candidate self-service terminal is determined as Determine the second self-service terminal according to the recommendation coefficient.

13. The apparatus of claim 12, wherein, The second self-service terminal recommendation module is specifically configured to: Select a probability density function f, and divide the definition domain of the function f into a plurality of non-intersecting real value intervals, the real value intervals and the candidate self-service terminals are one-to-one corresponding, and the integral value of the function f in each real value interval is equal to the recommendation coefficient of the candidate self-service terminal corresponding to the real value interval; Generate a random number according to the function f; The candidate self-service terminal corresponding to the real value interval in which the random number is located is taken as the second self-service terminal.

14. The apparatus of claim 8, wherein, The resource voucher generation module is specifically configured to: Generate a corresponding hash value according to the transaction data of the customer at the first self-service terminal; Generate a corresponding resource voucher from the hash value and the digital signature information of the bank server.

15. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, The processor executes the computer program to realize the method in any one of claims 1 to 7.

16. A computer-readable storage medium, characterized in that, The computer readable storage medium stores a computer program, and the computer program is executed by the processor to realize the method in any one of claims 1 to 7.

17. A computer program product, characterised in that, The computer program product includes a computer program, and the computer program is executed by the processor to realize the method in any one of claims 1 to 7. The computer program product includes a computer program, and the computer program is executed by the processor to realize the method in any one of claims 1 to 7.

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