Method and apparatus for determining user interface of banking system

Abstract

The present invention discloses a method and apparatus for determining a user interface of a banking system, which relates to the field of artificial intelligence. The method includes: classifying the services of a bank to obtain a plurality of service categories; acquiring the service handling data of a user, and classifying the user according to the data and the service categories to obtain a plurality of user subsets; for each user interface among the plurality of user interfaces, acquiring the service handling data of each user subset regarding the user interface; determining the interval time of each user subset regarding the user interface according to the service handling data regarding the user interface; determining the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether a first user interface among any two user interfaces is superior to a second user interface; and selecting a maximal user interface from the plurality of user interfaces as the optimal user interface according to the partial order of the user interfaces. The present invention can determine the optimal user interface of the banking system and improve the user experience.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular, to a method and device for determining a user interface of a banking system. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention stated in the claims. The description herein is not admitted to be prior art merely because it is included in this section.

[0003] Currently, banks have launched new transaction interfaces for mobile banking, self-service devices, etc. based on user personalization. However, there is no objective method to determine whether these transaction interfaces are suitable for users, how the users feel about using these transaction interfaces, and which interfaces are preferred by users. Summary of the Invention

[0004] Embodiments of the present invention provide a method for determining a user interface of a banking system to objectively determine the optimal user interface. The method includes:

[0005] Classify the services of the bank to obtain multiple service categories;

[0006] Obtain the service handling data of the user, and classify the user according to the service handling data and the service categories to obtain multiple user subsets;

[0007] For each user interface among multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the time interval from the end of one service to the start of the next service when the user handles services.

[0008] Determine the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether the first user interface among any two user interfaces is better than the second user interface;

[0009] Select a maximal user interface from multiple user interfaces according to the partial order of the user interfaces, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order.

[0010] Embodiments of the present invention also provide a device for determining a user interface of a banking system to objectively determine the optimal user interface. The device includes:

[0011] A service category determination unit, configured to classify the services of the bank to obtain multiple service categories;

[0012] A user subset determination unit, configured to obtain the service handling data of a user, classify the user according to the service handling data and the service category, and obtain multiple user subsets;

[0013] An interval time determination unit, configured to, for each user interface among multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the interval time from the end of one service to the start of the next service when the user handles services;

[0014] A partial order determination unit, configured to determine the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether a first user interface among any two user interfaces is superior to a second user interface;

[0015] An optimal interface determination unit, configured to select a maximal user interface from multiple user interfaces according to the partial order of the user interfaces, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order.

[0016] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where when the processor executes the computer program, the method for determining the user interface of the above bank system is implemented.

[0017] An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method for determining the user interface of the above bank system is implemented.

[0018] An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for determining the user interface of the above bank system is implemented.

[0019] In an embodiment of the present invention, a solution for determining a user interface of a banking system includes: classifying the services of a bank to obtain multiple service categories; obtaining the service handling data of a user, and classifying the user according to the service handling data and the service categories to obtain multiple user subsets; for each user interface among multiple user interfaces, obtaining the service handling data of each user subset regarding this user interface; determining the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the time interval from the end of one service to the start of the next service when the user handles services; determining the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether a first user interface among any two user interfaces is superior to a second user interface; selecting a maximal user interface from multiple user interfaces according to the partial order of the user interfaces, and using the maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order, and the optimal user interface of the banking system can be objectively determined, improving the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained according to these drawings. In the drawings:

[0021] Figure 1 It is a schematic flowchart of a method for determining a user interface of a banking system in an embodiment of the present invention;

[0022] Figure 2 It is a schematic flowchart of a method for obtaining multiple user subsets in an embodiment of the present invention;

[0023] Figure 3 It is a schematic flowchart of a method for determining the interval time of each user subset regarding this user interface in an embodiment of the present invention;

[0024] Figure 4 It is a schematic flowchart of a method for determining a user interface of a banking system in another embodiment of the present invention;

[0025] Figure 5 It is a schematic structural diagram of a device for determining a user interface of a banking system in an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0026] To make the objectives, technical solutions and advantages of the embodiments of the present invention clearer and more understandable, the following further elaborates on the embodiments of the present invention with reference to the accompanying drawings. Herein, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0027] Figure 1 It is a schematic flowchart of a method for determining a user interface of a banking system in an embodiment of the present invention. As Figure 1 shown, the method includes the following steps:

[0028] Step 101: Classify the services of the bank to obtain multiple service categories;

[0029] Step 102: Obtain the service handling data of the user, and classify the user according to the service handling data and the service categories to obtain multiple user subsets;

[0030] Step 103: For each user interface among multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the time interval from the end of one service to the start of the next service when the user handles services;

[0031] Step 104: Determine the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether a first user interface among any two user interfaces is superior to a second user interface;

[0032] Step 105: Select a maximal user interface from multiple user interfaces according to the partial order of the user interfaces, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order.

[0033] The method for determining the user interface of the banking system provided by the embodiments of the present invention, when working: classify the services of the bank to obtain multiple service categories; obtain the service handling data of the user, and classify the user according to the service handling data and the service categories to obtain multiple user subsets; for each user interface among the multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the interval time from the end of one service to the start of the next service when the user handles the service; determine the partial order of the user interface according to the interval time, where this partial order is used to determine whether the first user interface in any two user interfaces is better than the second user interface; select the maximal user interface from the multiple user interfaces according to the partial order of the user interface, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order, and the optimal user interface of the banking system can be objectively determined, improving the user experience. The method for determining the user interface of the banking system will be introduced in detail below.

[0034] In step 101 above, the values of each service in each service attribute can be obtained, and the service attributes can include: risk level, whether cash is involved, service type, etc.; then classify the services of the bank according to the values of each service in each service attribute to obtain multiple service categories.

[0035] In one embodiment, in step 102 above, as Figure 2 shown, obtaining the service handling data of the user, and classifying the user according to the service handling data and the service categories to obtain multiple user subsets can include:

[0036] Step 1021: For each user, use the number of service handling of each service category attributed in the service handling data of this user as the number of service handling of this user corresponding to each service category;

[0037] Step 1022: Determine the distance function corresponding to each service category, where this distance function determines the distance between any two users as the absolute value of the difference in the number of service handling of these two users corresponding to this service category;

[0038] Step 1023: Determine the function corresponding to the user according to the distance functions corresponding to each service category, where this function is used to determine the distance between any two users;

[0039] Step 1024: Classify the users according to the function corresponding to the user to obtain multiple user subsets.

[0040] In specific implementation, the above-described implementation manner of obtaining multiple user subsets can improve the accuracy of user interface determination. Different users have different requirements for user interface transactions. At the same time, the data of a single user is too little to be used for accurate evaluation of the user interface. By classifying users, the problems of insufficient data and different requirements can be effectively solved. When determining the user interface, the user's requirements are essential. Thus, the function corresponding to the user determined in this application can accurately determine the similarity of the requirements for the user interface among users. Based on such a distance function, users are classified, and the users in each obtained user subset have similar requirements for the user interface. That is, the multiple user subsets obtained in this application can improve the accuracy of user interface determination.

[0041] In specific implementation, an existing clustering algorithm (such as K-means) can be selected to classify users according to the function corresponding to the users, so as to obtain multiple user subsets.

[0042] In one embodiment, in the above step 1024, classifying users according to the function corresponding to the users to obtain multiple user subsets may include:

[0043] Select multiple users as the centers of user subsets. Each center of the user subset corresponds to a user subset, and each user subset initially only contains the corresponding center of the user subset;

[0044] Repeat the following steps for each user and each user subset until the change value of the number of business transactions corresponding to each business category of all the centers of the user subsets is less than the set threshold, so as to obtain multiple user subsets:

[0045] For each user, perform the following three steps:

[0046] For each center of the user subset, according to the function corresponding to the user, determine the distance between the center of the user subset and the user, and use this distance as the distance corresponding to the center of the user subset;

[0047] Select multiple centers of the user subsets whose risk levels are the same as that of the user from all the centers of the user subsets; determine the minimum value among the multiple first distances corresponding to the selected centers of the user subsets as the distance A (first distance) of the user, and use the user subset corresponding to the center of the user subset corresponding to this minimum value as the user subset corresponding to the user; determine the minimum value among the multiple distances corresponding to the unselected centers of the user subsets as the distance B (second distance) of the user;

[0048] When the difference between the distance A corresponding to the user and the distance B corresponding to the user is greater than the specified threshold, a user subset center is newly created based on the user. The newly created user subset center corresponds to a new user subset, and the initial elements of the new user subset only include the user; otherwise, the user is divided into the user subset corresponding to the user;

[0049] For each customer category, perform the following steps:

[0050] Update the number of business transactions corresponding to each business category of the user subset center to the average of the number of business transactions corresponding to all users of the user subset center for each business category; the risk level corresponding to the user subset center remains unchanged.

[0051] In one embodiment, in step 103 above, as Figure 3 shown, for each user interface among multiple user interfaces, for each user interface among multiple user interfaces, obtain the business transaction data of each user subset regarding the user interface; based on the business transaction data regarding the user interface, determine the interval time of each user subset regarding the user interface, which may include:

[0052] Step 1031: For each user subset, based on the business transaction data of the user subset regarding the user interface, determine multiple interval time samples of the user subset regarding the user interface;

[0053] Step 1032: Determine the interval time of the user subset regarding the user interface as the average of multiple interval time samples of the user subset regarding the user interface.

[0054] Specifically, the implementation method of determining the interval time of each user subset regarding the user interface may determine the interval time of each user subset regarding the user interface based on statistical methods, providing a data basis for subsequent analysis.

[0055] In one embodiment, as Figure 4 shown, the method for determining the user interface of the above bank system may further include:

[0056] Step 201: Based on multiple interval time samples of the user subset regarding the user interface, determine the variance corresponding to the multiple interval time samples and the sample quantity corresponding to the multiple interval time samples;

[0057] Step 202: Determine the error convergence value corresponding to the interval time of the user subset regarding the user interface as the quotient of the sum of the squares of the variances corresponding to the multiple interval time samples and the sample quantity corresponding to the multiple interval time samples;

[0058] Determining the partial order of user interfaces according to the interval time may include:

[0059] For any two user interfaces among multiple user interfaces, if for each user subset, the interval time of the user subset with respect to the first user interface among the two user interfaces is less than or equal to the interval time of the user subset with respect to the second user interface among the two user interfaces, and the error convergence value corresponding to the interval time of each user subset with respect to the first user interface is less than a preset error convergence threshold, then it is determined that the first user interface is superior to the second user interface.

[0060] In specific implementation, the above implementation manner of determining the error convergence value corresponding to the interval time of the user subset with respect to the user interface and, based on this threshold, determining the partial order of the user interfaces according to the interval time gives the accuracy of the determined interval time based on the law of large numbers, providing a mathematical basis for subsequent interface analysis.

[0061] In one embodiment, the error convergence threshold can be determined according to the following method:

[0062] Set an acceptable interval time error threshold ε, and set a probability P that the acceptable interval time error is greater than ε;

[0063] Take P×ε 2 as the error convergence threshold.

[0064] In one embodiment, in step 104 above, determining the partial order of user interfaces according to the interval time may include:

[0065] For any two user interfaces among multiple user interfaces, if for each user subset, the interval time of the user subset with respect to the first user interface among the two user interfaces is less than or equal to the interval time of the user subset with respect to the second user interface among the two user interfaces, then it is determined that the first user interface is superior to the second user interface.

[0066] In specific implementation, the above implementation manner of determining the partial order of user interfaces provides a mathematical basis for subsequent transaction interface analysis.

[0067] In one embodiment, in step 105 above, selecting a maximal user interface from multiple user interfaces according to the partial order of user interfaces may include:

[0068] 1. Initialize the set of user interfaces to be determined and the set of user interfaces to be compared as the multiple user interfaces, and initialize the set of maximal user interfaces as empty.

[0069] 2. Loop and execute the following steps until the set of user interfaces to be determined is empty:

[0070] 2.1 Select a user interface A from the set of user interfaces to be determined, and compare this user interface A with each user interface B in the set of user interfaces to be compared except this user interface A.

[0071] 2.2 If user interface B is better than this user interface A, then delete this user interface A from the set of user interfaces to be determined; if this user interface A is better than user interface B, then delete user interface B from the set of user interfaces to be determined, and determine user interface B as the secondary user interface of this user interface A.

[0072] 2.3 If it is confirmed that none of the user interfaces in the set of user interfaces to be compared except this user interface A is better than user interface A, then add this user interface A to the set of maximum user interfaces, and delete all the secondary user interfaces of this user interface A from the set of user interfaces to be compared.

[0073] 3. Use the user interfaces in the set of maximum user interfaces as the maximum user interfaces among these multiple user interfaces.

[0074] In one embodiment, in the above step 105, the definition of the maximum element of the partial order is that in the set corresponding to the partial order, there is no other element better than this maximum element.

[0075] It should be noted that when the number of user interfaces included in multiple user interfaces is relatively large, using the definition of the maximum element to determine the maximum user interface has a relatively large calculation redundancy and a relatively high complexity. The above method for selecting the maximum user interface can effectively reduce the calculation complexity and avoid repeated execution of calculations.

[0076] In summary, the beneficial technical effects of the method for determining the user interface of the bank system proposed by the present invention are: it can objectively evaluate the newly proposed interface design method, and can simultaneously compare the advantages and disadvantages of two interface design methods, as well as evaluate the prediction effect. Using the present invention, those interface design methods with better design effects can be found, and the advantages of the two new methods can be retained to obtain a new method with better effects.

[0077] In the technical solution of this application, the acquisition, storage, use, processing, etc. of data all comply with the relevant provisions of national laws and regulations.

[0078] In the embodiments of the present invention, a device for determining the user interface of a bank system is also provided as described in the following embodiments. Since the principle of this device for solving problems is similar to that of the method for determining the user interface of the bank system, the implementation of this device can refer to the implementation of the method for determining the user interface of the bank system, and the repeated parts will not be described again.

[0079] Figure 5The structural schematic diagram of the determining device for the user interface of the banking system in the embodiments of the present invention is as follows: Figure 5 As shown, the method includes:

[0080] A service category determining unit 01, configured to classify the services of the bank to obtain multiple service categories;

[0081] A user subset determining unit 02, configured to obtain the service handling data of users, and classify the users according to the service handling data and service categories to obtain multiple user subsets;

[0082] An interval time determining unit 03, configured to, for each user interface among multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the interval time from the end of one service to the start of the next service when a user handles services;

[0083] A partial order determining unit 04, configured to determine the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether a first user interface among any two user interfaces is superior to a second user interface;

[0084] An optimal interface determining unit 05, configured to select a maximal user interface from multiple user interfaces according to the partial order of the user interfaces, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order.

[0085] In one embodiment, the service category determining unit may specifically be configured to:

[0086] For each user, use the service handling quantities belonging to each service category in the service handling data of this user as the service handling quantities of this user corresponding to each service category;

[0087] Determine the distance function corresponding to each service category, where the distance function determines the distance between any two users as the absolute value of the difference between the service handling quantities of these two users corresponding to this service category;

[0088] According to the distance functions corresponding to each service category, determine the function corresponding to the user, where the function is used to determine the distance between any two users;

[0089] Classify the users according to the function corresponding to the user to obtain multiple user subsets.

[0090] In one embodiment, the interval time determining unit may specifically be configured to:

[0091] For each user subset, based on the business processing data of the user subset regarding the user interface, determine multiple interval time samples of the user subset regarding the user interface;

[0092] Determine the interval time of the user subset regarding the user interface as the mean value of the multiple interval time samples of the user subset regarding the user interface.

[0093] In one embodiment, the determining device for the user interface of the above bank system may further include:

[0094] A variance and sample number determining unit, configured to determine the variance corresponding to the multiple interval time samples and the sample number corresponding to the multiple interval time samples based on the multiple interval time samples of the user subset regarding the user interface;

[0095] An error convergence value determining unit, configured to determine the error convergence value corresponding to the interval time of the user subset regarding the user interface as the quotient of the sum of the squares of the variances corresponding to the multiple interval time samples and the sample number corresponding to the multiple interval time samples;

[0096] The partial order determining unit may specifically be configured to:

[0097] For any two user interfaces among multiple user interfaces, if for each user subset, the interval time of the user subset regarding the first user interface among the two user interfaces is less than or equal to the interval time of the user subset regarding the second user interface among the two user interfaces, and the error convergence value corresponding to the interval time of each user subset regarding the first user interface is less than a preset error convergence threshold, then determine that the first user interface is superior to the second user interface.

[0098] In one embodiment, the partial order determining unit may specifically be configured to:

[0099] For any two user interfaces among multiple user interfaces, if for each user subset, the interval time of the user subset regarding the first user interface among the two user interfaces is less than or equal to the interval time of the user subset regarding the second user interface among the two user interfaces, then determine that the first user interface is superior to the second user interface.

[0100] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where when the processor executes the computer program, the determining method for the user interface of the above bank system is implemented.

[0101] An embodiment of the present invention also provides a computer-readable storage medium storing a computer program, which when executed by a processor, implements the method for determining the user interface of the above bank system.

[0102] An embodiment of the present invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the method for determining the user interface of the above bank system.

[0103] In an embodiment of the present invention, the solution for determining the user interface of the bank system includes: classifying the services of the bank to obtain multiple service categories; obtaining the service handling data of the user, and classifying the user according to the service handling data and the service categories to obtain multiple user subsets; for each user interface among the multiple user interfaces, obtaining the service handling data of each user subset regarding this user interface; determining the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface; the interval time is the time interval from the end of one service to the start of the next service when the user handles services; determining the partial order of the user interfaces according to the interval time, where the partial order is used to determine whether the first user interface in any two user interfaces is better than the second user interface; selecting a maximal user interface from the multiple user interfaces according to the partial order of the user interfaces, and using the maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order, and the optimal user interface of the bank system can be objectively determined, improving the user experience.

[0104] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0105] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate for implementing in the process Figure 1 one process or multiple processes and / or blocks Figure 1Apparatus for the functions specified in one or more boxes.

[0106] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction device that implements the functions specified in one Figure 1 process or more processes and / or boxes Figure 1 or more boxes.

[0107] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to produce a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one Figure 1 process or more processes and / or boxes Figure 1 or more boxes.

[0108] In the specific embodiments described above, the objectives, technical solutions, and beneficial effects of the present invention have been further elaborated in detail. It should be understood that the above description is only for the specific embodiments of the present invention and is not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

Claims

1. A method for determining a user interface of a banking system, characterized in that, including: classify the services of the bank to obtain multiple service categories; obtain the service handling data of the user, and classify the user according to the service handling data and the service categories to obtain multiple user subsets; for each user interface among the multiple user interfaces, obtain the service handling data of each user subset regarding this user interface; determine the interval time of each user subset regarding this user interface according to the service handling data regarding this user interface, which includes: for each user subset, determine multiple interval time samples of this user subset regarding this user interface according to the service handling data of this user subset regarding this user interface; determine the interval time of this user subset regarding this user interface as the mean value of the multiple interval time samples of this user subset regarding this user interface; the interval time is the interval time from the end of one service to the start of the next service when the user handles services; determine the partial order of the user interface according to the interval time, which includes: for any two user interfaces among the multiple user interfaces, if for each user subset, the interval time of this user subset regarding the first user interface among the two user interfaces is less than or equal to the interval time of this user subset regarding the second user interface among the two user interfaces, and the error convergence value corresponding to the interval time of each user subset regarding the first user interface is less than the preset error convergence threshold, then determine that the first user interface is superior to the second user interface, where the partial order is used to determine whether the first user interface among any two user interfaces is superior to the second user interface; select a maximal user interface from the multiple user interfaces according to the partial order of the user interface, and use this maximal user interface as the optimal user interface, where the maximal user interface is the maximal element of this partial order.

2. The method for determining a user interface of a banking system according to claim 1, characterized in that, obtain the service handling data of the user, and classify the user according to the service handling data and the service categories to obtain multiple user subsets, including: for each user, use the number of service handling belonging to each service category in the service handling data of this user as the number of service handling of this user corresponding to each service category; determine the distance function corresponding to each service category, where this distance function determines the distance between any two users as the absolute value of the difference in the number of service handling of these two users corresponding to this service category; determine the function corresponding to the user according to the distance functions corresponding to each service category, where this function is used to determine the distance between any two users; classify the users according to the function corresponding to the user to obtain multiple user subsets.

3. The method for determining a user interface of a banking system according to claim 1, characterized in that, also including: determine the variance corresponding to the multiple interval time samples and the number of samples corresponding to the multiple interval time samples based on the multiple interval time samples of this user subset regarding this user interface; determine the error convergence value corresponding to the interval time of this user subset regarding this user interface as the quotient of the sum of the squares of the variances corresponding to the multiple interval time samples and the number of samples corresponding to the multiple interval time samples.

4. A device for determining a user interface of a banking system, characterized in that, including: a service category determination unit, configured to classify the services of the bank to obtain multiple service categories; A user subset determination unit, configured to obtain the service handling data of a user, classify the user according to the service handling data and the service category, and obtain a plurality of user subsets; An interval time determination unit, configured to, for each user interface among a plurality of user interfaces, obtain the service handling data of each user subset with respect to the user interface; According to the service handling data with respect to the user interface, determine the interval time of each user subset with respect to the user interface, including: for each user subset, according to the service handling data of the user subset with respect to the user interface, determine a plurality of interval time samples of the user subset with respect to the user interface; determine the interval time of the user subset with respect to the user interface as the mean value of the plurality of interval time samples of the user subset with respect to the user interface; the interval time is the interval time from the end of one service to the start of the next service when a user handles a service; A partial order determination unit, configured to determine the partial order of the user interfaces according to the interval time, including: for any two user interfaces among a plurality of user interfaces, if for each user subset, the interval time of the user subset with respect to the first user interface among the two user interfaces is less than or equal to the interval time of the user subset with respect to the second user interface among the two user interfaces, and the error convergence value corresponding to the interval time of each user subset with respect to the first user interface is less than a preset error convergence threshold, then determine that the first user interface is superior to the second user interface; wherein, the partial order is used to determine whether the first user interface among any two user interfaces is superior to the second user interface; An optimal interface determination unit, configured to select a maximal user interface from a plurality of user interfaces according to the partial order of the user interfaces, and use the maximal user interface as the optimal user interface, wherein the maximal user interface is the maximal element of the partial order.

5. The device for determining a user interface of a banking system according to claim 4, characterized in that, The service category determination unit is specifically configured to: For each user, use the number of service handling belonging to each service category in the service handling data of the user as the number of service handling of the user corresponding to each service category; Determine the distance function corresponding to each service category, wherein the distance function determines the distance between any two users as the absolute value of the difference between the number of service handling of the two users corresponding to the service category; According to the distance functions corresponding to each service category, determine the function corresponding to the user, wherein the function is used to determine the distance between any two users; Classify the users according to the function corresponding to the user, and obtain a plurality of user subsets.

6. The device for determining a user interface of a banking system according to claim 4, characterized in that, Further included: A variance and sample number determination unit, configured to determine the variance corresponding to the plurality of interval time samples and the sample number corresponding to the plurality of interval time samples based on the plurality of interval time samples of the user subset with respect to the user interface; An error convergence value determination unit, configured to determine the error convergence value corresponding to the interval time of the user subset with respect to the user interface as the quotient of the sum of the squares of the variances corresponding to the plurality of interval time samples and the sample number corresponding to the plurality of interval time samples.

7. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, the method according to any one of claims 1 to 3 is implemented.

8. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements the method according to any one of claims 1 to 3.

9. A computer program product, characterized in that The computer program product includes a computer program, and when the computer program is executed by a processor, it implements the method according to any one of claims 1 to 3.

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