Risk control method and device for independent bank terminals

Abstract

The present invention proposes a risk control method and device for independent bank terminals, which relate to the field of data processing technology, including: obtaining business data of all bank terminals in a specified area; determining business vectors and user vectors of the bank terminals based on the business data of the bank terminals; classifying all bank terminals in the specified area based on the business vectors and user vectors to obtain multiple bank terminal subsets; determining a first corresponding relationship between risk-related parameters and safety factors of the bank terminal subset based on the business data of the in-bank terminals contained in the bank terminal subset; for each bank terminal subset, determining a second corresponding relationship between risk-related parameters and safety factors of the bank terminal subset based on the business data of the independent terminals contained in the bank terminal subset; for each bank terminal subset, correcting the risk-related parameters of the independent terminals in the bank terminal subset based on the first corresponding relationship and the second corresponding relationship.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a risk control method and device for an independent bank terminal. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] Bank terminals can be categorized as in-branch terminals and standalone terminals based on their location. Standalone terminals are those located outside of bank branches. Due to the lack of real-time management by bank staff, standalone terminals may present higher risks than in-branch terminals (bank terminals deployed at bank branches). Currently, the risk management methods for standalone and in-branch terminals are the same, which may result in higher risks for standalone terminals.

[0004] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects and effectively analyze and control the risks of independent terminals. Summary of the Invention

[0005] In order to solve the problems existing in the prior art, the present invention proposes a risk control method and device for an independent bank terminal.

[0006] In a first aspect of an embodiment of the present invention, a risk control method for an independent bank terminal is provided, comprising:

[0007] Obtain business data of all bank terminals within a specified area, including bank terminals and independent terminals;

[0008] For each bank terminal, determine the service vector and user vector of the bank terminal based on the service data of the bank terminal;

[0009] Classify all bank terminals in a specified area based on their business vectors and user vectors to obtain multiple bank terminal subsets;

[0010] For each bank terminal subset, determining a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset;

[0011] For each bank terminal subset, determining a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset;

[0012] For each bank terminal subset, risk-related parameters of independent terminals in the bank terminal subset are modified according to the first corresponding relationship and the second corresponding relationship.

[0013] In a second aspect of an embodiment of the present invention, a risk control device for an independent bank terminal is provided, comprising:

[0014] A business data acquisition module is used to acquire business data of all bank terminals of the bank in a designated area, wherein the bank terminals include bank terminals and independent terminals;

[0015] A data processing module, configured to determine, for each bank terminal, a service vector and a user vector of the bank terminal based on the service data of the bank terminal;

[0016] A classification module is used to classify all bank terminals in a specified area according to their business vectors and user vectors to obtain multiple bank terminal subsets;

[0017] A first correspondence determination module is configured to determine, for each bank terminal subset, a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset;

[0018] a second correspondence determination module configured to determine, for each bank terminal subset, a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset;

[0019] The risk correction module is used to correct the risk-related parameters of the independent terminals in each bank terminal subset according to the first corresponding relationship and the second corresponding relationship.

[0020] In a third aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a risk control method for an independent bank terminal when executing the computer program.

[0021] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a risk control method for an independent bank terminal is implemented.

[0022] In a fifth aspect of an embodiment of the present invention, a computer program product is proposed. The computer program product includes a computer program. When the computer program is executed by a processor, a risk control method for an independent bank terminal is implemented.

[0023] The risk control method and device for independent bank terminals proposed in the present invention obtain business data of all bank terminals in a specified area, wherein bank terminals include in-bank terminals and independent terminals; for each bank terminal, determine the business vector and user vector of the bank terminal based on the business data of the bank terminal; classify all bank terminals in the specified area based on the business vectors and user vectors of the bank terminals to obtain multiple bank terminal subsets; for each bank terminal subset, determine a first correspondence between the risk-related parameters of the bank terminal subset and the safety factor based on the business data of the in-bank terminals contained in the bank terminal subset; for each bank terminal subset, determine a second correspondence between the risk-related parameters of the bank terminal subset and the safety factor based on the business data of the independent terminals contained in the bank terminal subset; for each bank terminal subset, modify the risk-related parameters of the independent terminals in the bank terminal subset based on the first correspondence and the second correspondence. The overall solution can effectively control the risks of independent terminals, protect the safety of users when conducting business at independent terminals, and protect the property safety of banks, providing strong technical support for digital risk control of banks. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0025] Figure 1 The figure is a flow chart of a risk control method for an independent bank terminal according to an embodiment of the present invention.

[0026] Figure 2 The figure is a flow chart of determining a service vector and a user vector of a bank terminal according to an embodiment of the present invention.

[0027] Figure 3 The figure is a flow chart of classifying all bank terminals in a designated area according to an embodiment of the present invention.

[0028] Figure 4 This is a flow chart of determining a first correspondence between risk-related parameters and safety factors of a subset of bank terminals according to an embodiment of the present invention.

[0029] Figure 5 This is a schematic flow chart of determining a second correspondence between risk-related parameters and safety factors of a subset of bank terminals according to an embodiment of the present invention.

[0030] Figure 6The present invention is a flowchart of modifying risk-related parameters of an independent terminal in a subset of bank terminals according to an embodiment of the present invention.

[0031] Figure 7A 1 is a schematic diagram of a first corresponding relationship and a second corresponding relationship when a risk-related parameter is negatively correlated with risk according to an embodiment of the present invention.

[0032] Figure 7B 1 is a schematic diagram of a first corresponding relationship and a second corresponding relationship when a risk-related parameter is positively correlated with risk according to an embodiment of the present invention.

[0033] Figure 8 This is a schematic diagram of a flow chart of modifying risk-related parameters of an independent terminal according to another embodiment of the present invention.

[0034] Figure 9 It is a schematic diagram of the architecture of a risk control device for an independent bank terminal according to an embodiment of the present invention.

[0035] Figure 10 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0036] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided solely to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. Rather, these embodiments are provided to make this disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0037] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, apparatus, device, method, or computer program product. Therefore, the present disclosure may be implemented in the following forms: entirely in hardware, entirely in software (including firmware, resident software, microcode, etc.), or in a combination of hardware and software.

[0038] According to an embodiment of the present invention, a risk control method and device for an independent bank terminal are proposed, which relate to the field of data processing technology.

[0039] The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0040] Figure 1 This is a flow chart of a risk control method for a bank independent terminal according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0041] S1, obtaining business data of all bank terminals of a bank in a designated area, wherein the bank terminals include bank terminals and independent terminals;

[0042] S2, for each bank terminal, determining the service vector and user vector of the bank terminal based on the service data of the bank terminal;

[0043] S3, classifying all bank terminals in the designated area according to the business vectors and user vectors of the bank terminals to obtain multiple bank terminal subsets;

[0044] S4, for each bank terminal subset, determining a first correspondence between a risk-related parameter and a safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset;

[0045] S5. For each bank terminal subset, determine a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset;

[0046] S6. For each bank terminal subset, modify the risk-related parameters of the independent terminals in the bank terminal subset according to the first corresponding relationship and the second corresponding relationship.

[0047] Among them, risk-related parameters refer to parameters related to risk, such as face recognition threshold, or user waiting time at a bank terminal.

[0048] In order to explain the risk control method of the above-mentioned independent bank terminal more clearly, each step is described in detail below.

[0049] In S1, business data of all bank terminals of a bank in a designated area is obtained, wherein the bank terminals include bank terminals and independent terminals;

[0050] In-bank terminals refer to bank terminals deployed at bank branches, which can usually be managed in real time by bank staff; independent terminals refer to bank terminals deployed at locations other than bank branches, which usually do not have real-time management by bank staff and have higher potential risks; bank terminals can be self-service terminals of the bank.

[0051] In S2, reference Figure 2 For each bank terminal, the service vector and user vector of the bank terminal are determined based on the service data of the bank terminal, including:

[0052] S21, for each bank terminal, determining the business volume of each business category of the bank terminal per unit time based on the business data of the bank terminal; determining a business vector for the bank terminal, wherein the business vector corresponds one-to-one to each bank business, and the value of each component of the business vector is equal to the business volume of the bank terminal per unit time for the business corresponding to the component;

[0053] The unit time refers to a set time range, such as one week, one month, three months or other set time. The unit time is used to limit the time range for comparing the data of the bank terminal.

[0054] Business categories are used to classify businesses. For example, business categories may include: transaction business, clearing business, bank card business, payment settlement business, etc.

[0055] S22. For each bank terminal, determine the number of user categories corresponding to the bank terminal per unit time based on the user data included in the business data of the bank terminal; determine a user vector for the bank terminal, wherein the user vector corresponds one-to-one to the user category, and the value of each component of the user vector is equal to the number of user categories corresponding to the component of the bank terminal per unit time.

[0056] Among them, user categories are used to classify users. For example, users are classified based on their occupation, income, assets, risks, transaction data, etc., to obtain the number of users in each user category.

[0057] In S3, reference Figure 3 , based on the business vector and user vector of the bank terminal, all bank terminals in the specified area are classified to obtain multiple bank terminal subsets, including:

[0058] S31, determining a business distance function of the bank terminal based on the business vector of the bank terminal, wherein the business distance function is used to determine the business distance between any two bank terminals as the distance between the business vectors of the two bank terminals;

[0059] S32, determining a user distance function of the bank terminal based on the user vector of the bank terminal, wherein the user distance function is used to determine the user distance between any two bank terminals as the distance between the user vectors of the two bank terminals;

[0060] S33 , classifying all bank terminals in the designated area according to the business distance function and the user distance function of the bank terminals to obtain a plurality of bank terminal subsets.

[0061] In one embodiment, (S33) all bank terminals in the designated area are classified according to the service distance function and the user distance function of the bank terminals to obtain a plurality of bank terminal subsets, including:

[0062] S331, clustering all bank terminals in a specified area according to a business distance function of the bank terminals to obtain multiple bank terminal subsets;

[0063] S332: For each obtained bank terminal subset, determine the primary user category of each bank terminal in the bank terminal subset, and further determine the number ratio of bank terminals corresponding to each primary user category in the bank terminal subset in the bank terminal subset;

[0064] The main user category refers to the user category with the largest number of users in the user set corresponding to the bank terminal subset.

[0065] S333: Determine whether all bank terminal subsets satisfy condition t: the presence of a primary user category such that the proportion of bank terminals corresponding to the primary user category in the bank terminal subset is greater than or equal to a set proportion threshold. If not, the following steps are executed repeatedly until all bank terminal subsets satisfy condition t:

[0066] Select a bank terminal subset that does not meet condition t from all bank terminal subsets;

[0067] Clustering all bank terminals included in the selected bank terminal subset according to the user distance function of the bank terminals, and replacing the selected bank terminal subset with multiple new bank terminal subsets obtained by clustering;

[0068] For each new bank terminal subset, the main user category of each bank terminal in the new bank terminal subset is determined, and the proportion of bank terminals corresponding to each main user category in the new bank terminal subset is further determined.

[0069] In one embodiment, (S33) all bank terminals in a designated area are classified according to the service distance function and the user distance function of the bank terminals. Another method for obtaining multiple bank terminal subsets is:

[0070] S3301, taking the weighted sum of the bank terminal's business distance function and the user distance function as the bank terminal's distance function;

[0071] S3302: Select multiple bank terminals from all bank terminals in the designated area as bank terminal subset centers. Each bank terminal subset center corresponds to a bank terminal subset. Initially, the bank terminal subset only includes the bank terminal subset center.

[0072] S3303: Repeat the following steps for each bank terminal and each bank terminal subset in the specified area until the change in the service vector corresponding to the center of all bank terminal subsets is less than a set threshold s and the change in the corresponding user vector is less than a set threshold t:

[0073] S3304: For each bank terminal in the designated area, perform the following three steps:

[0074] According to the distance function of the bank terminal, the distance between each bank terminal subset center and the bank terminal is used as the distance corresponding to the center of the bank terminal subset;

[0075] Selecting multiple bank terminal subset centers that are consistent with the primary user category corresponding to the bank terminal from all bank terminal subset centers; using the minimum value of the distances corresponding to the selected bank terminal subset centers as the user category consistency distance corresponding to the bank terminal; and using the bank terminal subset corresponding to the bank terminal subset center whose distance is equal to the minimum value as the bank terminal subset corresponding to the bank terminal; and using the minimum value of the distances corresponding to the unselected bank terminal subset centers as the user category inconsistency distance corresponding to the bank terminal;

[0076] If the difference between the user category inconsistency distance corresponding to the bank terminal and the user category consistency distance corresponding to the bank terminal is greater than a specified threshold r, a new bank terminal subset center is created based on the bank terminal. The new bank terminal subset center corresponds to a new bank terminal subset. Initially, the new bank terminal subset only contains the bank terminal. If the difference between the user category inconsistency distance corresponding to the bank terminal and the user category consistency distance corresponding to the bank terminal is less than or equal to the specified threshold r, the bank terminal is classified into the bank terminal subset corresponding to the bank terminal.

[0077] S3305: After executing the above steps for all bank terminals, execute the following steps for each subset of bank terminals:

[0078] The business vector of the bank terminal subset center corresponding to the bank terminal subset is updated to the average of the business vectors of all bank terminals in the bank terminal subset; the user vector of the bank terminal subset center corresponding to the bank terminal subset is updated to the average of the user vectors of all bank terminals in the bank terminal subset; the main user category corresponding to the bank terminal subset center corresponding to the bank terminal subset remains unchanged.

[0079] In S4, ref. Figure 4 For each bank terminal subset, based on the business data of the on-bank terminals included in the bank terminal subset, a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset is determined, including:

[0080] S41, selecting each parameter value of the risk-related parameter from the business data of the bank terminals included in the bank terminal subset;

[0081] S42: For each selected parameter value, based on the business data of the bank terminals included in the bank terminal subset, determine the percentage of non-risk-related businesses in the business data when the risk-related parameter is set to the parameter value, and use the percentage as the safety factor corresponding to the parameter value;

[0082] S43, constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point;

[0083] S44: Perform function fitting based on the determined multiple points to obtain a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset.

[0084] In S5, reference Figure 5 For each bank terminal subset, based on the business data of the independent terminals included in the bank terminal subset, a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset is determined, including:

[0085] S51, selecting each parameter value of the risk-related parameter from the business data of the independent terminals included in the bank terminal subset;

[0086] S52: For each selected parameter value, based on the business data of the independent terminals included in the bank terminal subset, determine the percentage of non-risk-related businesses in the business data when the risk-related parameter is set to the parameter value, and use the percentage as the safety factor corresponding to the parameter value;

[0087] S53, constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point;

[0088] S54: Perform function fitting based on the determined multiple points to obtain a second corresponding relationship between the risk-related parameters and the safety factor of the bank terminal subset.

[0089] In S6, reference Figure 6 For each bank terminal subset, the risk-related parameters of the independent terminals in the bank terminal subset are modified according to the first corresponding relationship and the second corresponding relationship, including:

[0090] S61, for each independent terminal of the bank terminal subset, obtaining a parameter value of a risk-related parameter of the independent terminal;

[0091] S62, determining a potential safety factor of the independent terminal with respect to the risk-related parameter based on the first correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the parameter value of the independent terminal with respect to the risk-related parameter;

[0092] S63, determining a potential parameter value of the risk-related parameter of the independent terminal based on the second correspondence between the risk-related parameter and the safety factor of the bank terminal subset and the potential safety factor of the risk-related parameter of the independent terminal;

[0093] S64: Modify the risk-related parameters of the independent terminal according to the potential parameter values ​​of the risk-related parameters of the independent terminal.

[0094] Specifically, refer to Figure 7A and Figure 7B , which are schematic diagrams of the first corresponding relationship and the second corresponding relationship when the risk-related parameter is negatively correlated or positively correlated with the risk, respectively.

[0095] When the risk-related parameter is negatively correlated with the risk, the first correspondence and the second correspondence are as follows Figure 7A For example, a negatively correlated risk-related parameter is characterized in that the larger the value of the risk-related parameter, the lower the risk.

[0096] When the risk-related parameter is positively correlated with the risk, the first correspondence and the second correspondence are as follows Figure 7B The characteristic of a positively correlated risk-related parameter is that the larger the value of the risk-related parameter is, the higher the risk is.

[0097] For further reference, Figure 8 The risk control method for independent bank terminals proposed by the present invention further includes:

[0098] S01, for an independent terminal A outside a designated area, determining a service vector and a user vector of the independent terminal A based on service data of the independent terminal A;

[0099] S02: For each bank terminal B within the designated area, the distance between the business vector of the bank terminal B and the business vector of the independent terminal A is used as the business distance corresponding to the bank terminal B, and the distance between the user vector of the bank terminal B and the user vector of the independent terminal A is used as the user distance corresponding to the bank terminal B;

[0100] S03: Determine a partial order of bank terminals based on the service distance and the user distance. This partial order is used to determine whether, among any two bank terminals within the specified area, bank terminal C is closer than bank terminal D. Specifically, if the service distance corresponding to bank terminal C is less than or equal to the service distance corresponding to bank terminal D, and the user distance corresponding to bank terminal C is less than or equal to the user distance corresponding to bank terminal D, then bank terminal C is determined to be closer than bank terminal D.

[0101] S04: Select a reference bank terminal corresponding to the independent terminal A from all bank terminals in the designated area based on the partial order of the bank terminals, wherein for each reference bank terminal corresponding to the independent terminal A, no other bank terminal other than the reference bank terminal exists among all bank terminals in the designated area, such that the other bank terminal is close to the reference bank terminal.

[0102] S05: Based on the reference bank terminal corresponding to the independent terminal A, modify the risk-related parameters of the independent terminal A.

[0103] In one embodiment, (S04) selecting a reference bank terminal corresponding to the independent terminal A from all bank terminals in the designated area according to the partial order of the bank terminals includes:

[0104] S041, setting the comparison value of all bank terminals in the designated area to "yes";

[0105] S042, initializing the pending terminal set to all bank terminals in the specified area, and sorting all bank terminals included in the pending terminal set in ascending order according to their corresponding business distances;

[0106] S043, executing the following steps for each bank terminal A1 in the terminal set in the sorted order:

[0107] All bank terminals with a comparison value of "yes" except bank terminal A1 are used as comparison terminals corresponding to bank terminal A1;

[0108] Based on the partial order of bank terminals, compare bank terminal A1 with each comparison terminal B1 corresponding to bank terminal A1; if bank terminal A1 is closer to comparison terminal B1, remove comparison terminal B1 from the pending terminal set and set comparison terminal B1 as the secondary terminal of bank terminal A1; if comparison terminal B1 is closer to bank terminal A1, remove bank terminal A1 from the pending terminal set and stop comparing bank terminal A1 with the comparison terminals corresponding to bank terminal A1;

[0109] When it is determined that each comparison terminal corresponding to the bank terminal A1 is not close to the bank terminal A1, the comparison values ​​of all secondary terminals of the bank terminal A1 are updated to "no";

[0110] S044 , after executing the above steps for each bank terminal in the pending terminal set in order according to the ranking, the bank terminals included in the pending terminal set are used as reference bank terminals corresponding to the independent terminal A.

[0111] When there are a large number of bank terminals within a designated area, determining the reference bank terminal corresponding to independent terminal A according to the definition of a maximal element will result in a significant amount of redundant computation, resulting in a relatively high computational complexity. The algorithm in the above embodiment can effectively reduce redundant computation and lower the algorithmic complexity.

[0112] In one embodiment, (S05) modifying risk-related parameters of the independent terminal A based on the reference bank terminal corresponding to the independent terminal A includes:

[0113] S051, obtaining parameter values ​​of risk-related parameters of independent terminal A;

[0114] S052: For each reference bank terminal corresponding to the independent terminal A, determine the potential safety factor of the independent terminal A with respect to the risk-related parameters and the reference bank terminal based on the first correspondence between the risk-related parameters and the safety factor of the bank terminal subset to which the reference bank terminal belongs and the parameter value of the risk-related parameters of the independent terminal A;

[0115] S053: Determine potential parameter values ​​of the risk-related parameters of the independent terminal A and the reference bank terminal based on the second correspondence between the risk-related parameters and the safety factor of the bank terminal subset to which the reference bank terminal belongs and the risk-related parameters of the independent terminal A and the potential safety factor of the reference bank terminal.

[0116] S054: Based on the risk-related parameters of the independent terminal A and the potential parameter values ​​of each reference bank terminal corresponding to the independent terminal A, the risk-related parameters of the independent terminal A are modified.

[0117] In one embodiment, (S054) modifying the risk-related parameters of the independent terminal A based on the risk-related parameters of the independent terminal A and the potential parameter values ​​of each reference bank terminal corresponding to the independent terminal A includes:

[0118] S0541: If the risk-related parameter is positively correlated with the risk, determine a minimum value of the risk-related parameter of independent terminal A and potential parameter values ​​of each reference bank terminal corresponding to independent terminal A, and modify the risk-related parameter of independent terminal A based on the minimum value;

[0119] S0542: If the risk-related parameter is negatively correlated with the risk, determine the maximum value of the risk-related parameter of the independent terminal A and the potential parameter values ​​of each reference bank terminal corresponding to the independent terminal A, and modify the risk-related parameter of the independent terminal A based on the maximum value.

[0120] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and drawings, this does not require or imply that these operations must be performed in this specific order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0121] After introducing the method of the exemplary embodiment of the present invention, next, reference is made to Figure 9 A risk control device for an independent bank terminal according to an exemplary embodiment of the present invention is introduced.

[0122] The implementation of the risk control device for a bank's independent terminal can be referenced to the implementation of the aforementioned method, and any repetitions will not be repeated. The terms "module" or "unit" used below may refer to a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation using hardware, or a combination of software and hardware, is also possible and contemplated.

[0123] Based on the same inventive concept, the present invention also proposes a risk control device for a bank independent terminal, such as Figure 9 As shown, the device includes:

[0124] A business data acquisition module 910 is used to acquire business data of all bank terminals of a bank within a specified area, wherein the bank terminals include bank terminals and independent terminals;

[0125] A data processing module 920 is configured to determine, for each bank terminal, a service vector and a user vector of the bank terminal based on the service data of the bank terminal;

[0126] A classification module 930 is configured to classify all bank terminals in a specified area based on their service vectors and user vectors to obtain multiple bank terminal subsets;

[0127] A first correspondence determination module 940 is configured to determine, for each bank terminal subset, a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset;

[0128] A second correspondence determination module 950 is configured to determine, for each bank terminal subset, a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset;

[0129] The risk correction module 960 is configured to correct, for each bank terminal subset, risk-related parameters of the independent terminals in the bank terminal subset according to the first corresponding relationship and the second corresponding relationship.

[0130] In one embodiment, the data processing module is specifically configured to:

[0131] For each bank terminal, based on the business data of the bank terminal, determine the business volume of each business category of the bank terminal in a unit time; determine a business vector for the bank terminal, wherein the business vector corresponds to the bank's business one-to-one, and the value of each component of the business vector is equal to the business volume of the bank terminal in a unit time corresponding to the business corresponding to the component;

[0132] For each bank terminal, the number of user categories corresponding to the bank terminal per unit time is determined based on the user data included in the business data of the bank terminal; and a user vector for the bank terminal is determined, wherein the user vector corresponds one-to-one to the user category, and the value of each component of the user vector is equal to the number of user categories corresponding to the component of the bank terminal per unit time.

[0133] In one embodiment, the classification module is specifically configured to:

[0134] Determining a business distance function of the bank terminal based on the business vector of the bank terminal, wherein the business distance function is used to determine the business distance between any two bank terminals as the distance between the business vectors of the two bank terminals;

[0135] Determining a user distance function of the bank terminal based on the user vectors of the bank terminal, wherein the user distance function is used to determine the user distance between any two bank terminals as the distance between the user vectors of the two bank terminals;

[0136] According to the business distance function and user distance function of the bank terminals, all the bank terminals in the specified area are classified to obtain multiple bank terminal subsets.

[0137] In one embodiment, the classification module is specifically configured to:

[0138] Based on the business distance function of bank terminals, all bank terminals in the specified area are clustered to obtain multiple bank terminal subsets;

[0139] For each obtained bank terminal subset, determining a primary user category of each bank terminal in the bank terminal subset, and further determining a ratio of the number of bank terminals in the bank terminal subset corresponding to each primary user category in the bank terminal subset;

[0140] Determine whether all bank terminal subsets satisfy condition t: there exists a primary user category such that the proportion of bank terminals corresponding to the primary user category in the bank terminal subset is greater than or equal to a set proportion threshold; if not, loop through the following steps until all bank terminal subsets satisfy condition t:

[0141] Select a bank terminal subset that does not meet condition t from all bank terminal subsets;

[0142] Clustering all bank terminals included in the selected bank terminal subset according to the user distance function of the bank terminals, and replacing the selected bank terminal subset with multiple new bank terminal subsets obtained by clustering;

[0143] For each new bank terminal subset, the main user category of each bank terminal in the new bank terminal subset is determined, and the proportion of bank terminals corresponding to each main user category in the new bank terminal subset is further determined.

[0144] In one embodiment, the first correspondence determination module is specifically configured to:

[0145] Selecting each parameter value of the risk-related parameter from the business data of the on-bank terminals included in the bank terminal subset;

[0146] For each selected parameter value, based on the business data of the on-bank terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to the parameter value, and use the proportion as the safety factor corresponding to the parameter value;

[0147] Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point;

[0148] Based on the determined multiple points, function fitting is performed to obtain a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset.

[0149] In one embodiment, the second correspondence determination module is specifically configured to:

[0150] Selecting each parameter value of the risk-related parameter from the business data of the independent terminals included in the bank terminal subset;

[0151] For each selected parameter value, based on the business data of the independent terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to that parameter value, and use this proportion as the safety factor corresponding to the parameter value;

[0152] Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point;

[0153] Based on the determined multiple points, function fitting is performed to obtain a second corresponding relationship between the risk-related parameters and the safety factor of the bank terminal subset.

[0154] In one embodiment, the risk modification module is specifically configured to:

[0155] For each independent terminal of the bank terminal subset, obtaining a parameter value of a risk-related parameter of the independent terminal;

[0156] Determining a potential safety factor of the independent terminal with respect to the risk-related parameter based on the first correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the parameter value of the independent terminal with respect to the risk-related parameter;

[0157] Determining a potential parameter value of the risk-related parameter of the independent terminal based on the second correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the potential safety factor of the risk-related parameter of the independent terminal;

[0158] The risk-related parameters of the independent terminal are modified according to the potential parameter values ​​of the independent terminal with respect to the risk-related parameters.

[0159] In one embodiment, the risk modification module is further configured to:

[0160] For an independent terminal A outside the designated area, determining a service vector and a user vector of the independent terminal A based on the service data of the independent terminal A;

[0161] For each bank terminal B in the designated area, the distance between the business vector of bank terminal B and the business vector of independent terminal A is used as the business distance corresponding to bank terminal B, and the distance between the user vector of bank terminal B and the user vector of independent terminal A is used as the user distance corresponding to bank terminal B;

[0162] Determine a partial order of bank terminals based on the service distance and user distance. This partial order is used to determine whether, among any two bank terminals within a specified area, bank terminal C is closer than bank terminal D. Specifically, if the service distance corresponding to bank terminal C is less than or equal to the service distance corresponding to bank terminal D, and the user distance corresponding to bank terminal C is less than or equal to the user distance corresponding to bank terminal D, then bank terminal C is determined to be closer than bank terminal D.

[0163] A reference bank terminal corresponding to the independent terminal A is selected from all bank terminals in the designated area according to the partial order of the bank terminals, wherein for each reference bank terminal corresponding to the independent terminal A, no other bank terminal other than the reference bank terminal exists among all bank terminals in the designated area such that the other bank terminal is closer to the reference bank terminal.

[0164] Based on the reference bank terminal corresponding to independent terminal A, the risk-related parameters of independent terminal A are modified.

[0165] It should be noted that while the detailed description above mentions several modules within the risk control device for a bank's standalone terminal, this division is merely exemplary and not mandatory. In practice, depending on the embodiments of the present invention, the features and functions of two or more modules described above may be embodied within a single module. Conversely, the features and functions of a single module described above may be further divided and embodied within multiple modules.

[0166] Based on the above invention concept, Figure 10 As shown, the present invention also proposes a computer device 1000, including a memory 1010, a processor 1020 and a computer program 1030 stored in the memory 1010 and executable on the processor 1020, wherein the processor 1020 implements the aforementioned risk control method for an independent bank terminal when executing the computer program 1030.

[0167] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the risk control method of the aforementioned independent bank terminal is implemented.

[0168] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program. When the computer program is executed by a processor, a risk control method for an independent bank terminal is implemented.

[0169] The risk control method and device for independent bank terminals proposed in the present invention obtain business data of all bank terminals in a specified area, wherein bank terminals include in-bank terminals and independent terminals; for each bank terminal, determine the business vector and user vector of the bank terminal based on the business data of the bank terminal; classify all bank terminals in the specified area based on the business vectors and user vectors of the bank terminals to obtain multiple bank terminal subsets; for each bank terminal subset, determine a first correspondence between the risk-related parameters of the bank terminal subset and the safety factor based on the business data of the in-bank terminals contained in the bank terminal subset; for each bank terminal subset, determine a second correspondence between the risk-related parameters of the bank terminal subset and the safety factor based on the business data of the independent terminals contained in the bank terminal subset; for each bank terminal subset, modify the risk-related parameters of the independent terminals in the bank terminal subset based on the first correspondence and the second correspondence. The overall solution can effectively control the risks of independent terminals, protect the safety of users when conducting business at independent terminals, and protect the property safety of banks, providing strong technical support for digital risk control of banks.

[0170] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0171] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes 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 a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0172] These computer program instructions may 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, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0173] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0174] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The scope of protection of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the above-described embodiments, those skilled in the art should understand that any person skilled in the art can modify or easily conceive of changes to the technical solutions described in the above-described embodiments within the technical scope disclosed by the present invention, or replace some of the technical features therein with equivalents. Such modifications, changes, or replacements do not deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the scope of protection of the present invention. Therefore, the scope of protection of the present invention shall be subject to the scope of protection of the claims.

Claims

1. A risk control method for an independent bank terminal, characterized in that: include: Obtain business data for all bank terminals within a specified area, including both in-bank terminals and independent terminals. Independent terminals refer to bank terminals deployed at locations other than bank branches. For each bank terminal, determine the service vector and user vector of the bank terminal based on the service data of the bank terminal; Classify all bank terminals in a specified area based on their business vectors and user vectors to obtain multiple bank terminal subsets; For each bank terminal subset, determining a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset; For each bank terminal subset, determining a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset; For each bank terminal subset, modifying risk-related parameters of independent terminals in the bank terminal subset according to the first corresponding relationship and the second corresponding relationship; For each bank terminal, determining the service vector and user vector of the bank terminal based on the service data of the bank terminal includes: For each bank terminal, based on the business data of the bank terminal, determine the business volume of each business category of the bank terminal in a unit time; determine a business vector for the bank terminal, wherein the business vector corresponds to the bank's business one-to-one, and the value of each component of the business vector is equal to the business volume of the bank terminal in a unit time corresponding to the business corresponding to the component; For each bank terminal, the number of user categories corresponding to the bank terminal per unit time is determined based on the user data included in the business data of the bank terminal; and a user vector for the bank terminal is determined, wherein the user vector corresponds one-to-one to the user category, and the value of each component of the user vector is equal to the number of user categories corresponding to the component of the bank terminal per unit time.

2. The method according to claim 1, wherein Based on the business vectors and user vectors of the bank terminals, all bank terminals in the specified area are classified to obtain multiple bank terminal subsets, including: Determining a business distance function of the bank terminal based on the business vector of the bank terminal, wherein the business distance function is used to determine the business distance between any two bank terminals as the distance between the business vectors of the two bank terminals; Determining a user distance function of the bank terminal based on the user vectors of the bank terminal, wherein the user distance function is used to determine the user distance between any two bank terminals as the distance between the user vectors of the two bank terminals; According to the business distance function and user distance function of the bank terminals, all the bank terminals in the specified area are classified to obtain multiple bank terminal subsets.

3. The method according to claim 2, wherein Based on the business distance function and user distance function of bank terminals, all bank terminals in the specified area are classified to obtain multiple bank terminal subsets, including: Based on the business distance function of bank terminals, all bank terminals in the specified area are clustered to obtain multiple bank terminal subsets; For each obtained bank terminal subset, determining a primary user category of each bank terminal in the bank terminal subset, and further determining a ratio of the number of bank terminals corresponding to each primary user category in the bank terminal subset; wherein the primary user category refers to the user category with the largest number of users in the user set corresponding to the bank terminal subset; Determine whether all bank terminal subsets satisfy condition t: there exists a primary user category such that the proportion of bank terminals corresponding to the primary user category in the bank terminal subset is greater than or equal to a set proportion threshold; if not, loop through the following steps until all bank terminal subsets satisfy condition t: Select a bank terminal subset that does not meet condition t from all bank terminal subsets; Clustering all bank terminals included in the selected bank terminal subset according to the user distance function of the bank terminals, and replacing the selected bank terminal subset with multiple new bank terminal subsets obtained by clustering; For each new bank terminal subset, the main user category of each bank terminal in the new bank terminal subset is determined, and the proportion of bank terminals corresponding to each main user category in the new bank terminal subset is further determined.

4. The method according to claim 1, wherein For each bank terminal subset, a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset is determined based on the business data of the on-bank terminals included in the bank terminal subset, including: Selecting each parameter value of a risk-related parameter from the business data of the bank terminals included in the bank terminal subset; wherein the risk-related parameter refers to a parameter related to risk; For each selected parameter value, based on the business data of the on-bank terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to the parameter value, and use the proportion as the safety factor corresponding to the parameter value; Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point; Based on the determined multiple points, function fitting is performed to obtain a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset.

5. The method according to claim 1, wherein For each bank terminal subset, a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset is determined based on the business data of the independent terminals included in the bank terminal subset, including: Selecting each parameter value of a risk-related parameter from the business data of the independent terminal included in the bank terminal subset; wherein the risk-related parameter refers to a parameter related to risk; For each selected parameter value, based on the business data of the independent terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to that parameter value, and use this proportion as the safety factor corresponding to the parameter value; Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point; Based on the determined multiple points, function fitting is performed to obtain a second corresponding relationship between the risk-related parameters and the safety factor of the bank terminal subset.

6. The method according to claim 1, wherein For each bank terminal subset, risk-related parameters of independent terminals in the bank terminal subset are modified based on the first corresponding relationship and the second corresponding relationship, including: For each independent terminal of the bank terminal subset, obtaining a parameter value of a risk-related parameter of the independent terminal; Determining a potential safety factor of the independent terminal with respect to the risk-related parameter based on the first correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the parameter value of the independent terminal with respect to the risk-related parameter; Determining a potential parameter value of the risk-related parameter of the independent terminal based on the second correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the potential safety factor of the risk-related parameter of the independent terminal; The risk-related parameters of the independent terminal are modified according to the potential parameter values ​​of the independent terminal with respect to the risk-related parameters.

7. The method according to claim 1, wherein Also includes: For an independent terminal A outside the designated area, determining a service vector and a user vector of the independent terminal A based on the service data of the independent terminal A; For each bank terminal B in the designated area, the distance between the business vector of bank terminal B and the business vector of independent terminal A is used as the business distance corresponding to bank terminal B, and the distance between the user vector of bank terminal B and the user vector of independent terminal A is used as the user distance corresponding to bank terminal B; Determine a partial order of bank terminals based on the service distance and user distance. This partial order is used to determine whether, among any two bank terminals within a specified area, bank terminal C is closer than bank terminal D. Specifically, if the service distance corresponding to bank terminal C is less than or equal to the service distance corresponding to bank terminal D, and the user distance corresponding to bank terminal C is less than or equal to the user distance corresponding to bank terminal D, then bank terminal C is determined to be closer than bank terminal D. A reference bank terminal corresponding to the independent terminal A is selected from all bank terminals in the designated area according to the partial order of the bank terminals, wherein for each reference bank terminal corresponding to the independent terminal A, no other bank terminal other than the reference bank terminal exists among all bank terminals in the designated area such that the other bank terminal is closer to the reference bank terminal. Based on the reference bank terminal corresponding to independent terminal A, the risk-related parameters of independent terminal A are modified.

8. A risk control device for an independent bank terminal, characterized in that: include: A business data acquisition module is used to acquire business data of all bank terminals within a specified area, where bank terminals include in-bank terminals and independent terminals; independent terminals refer to bank terminals deployed at locations other than bank branches; A data processing module, configured to determine, for each bank terminal, a service vector and a user vector of the bank terminal based on the service data of the bank terminal; A classification module is used to classify all bank terminals in a specified area according to their business vectors and user vectors to obtain multiple bank terminal subsets; A first correspondence determination module is configured to determine, for each bank terminal subset, a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the on-bank terminals included in the bank terminal subset; a second correspondence determination module configured to determine, for each bank terminal subset, a second correspondence between the risk-related parameters and the safety factor of the bank terminal subset based on the business data of the independent terminals included in the bank terminal subset; a risk correction module, configured to correct, for each bank terminal subset, risk-related parameters of independent terminals in the bank terminal subset based on the first corresponding relationship and the second corresponding relationship; The data processing module is specifically used for: For each bank terminal, based on the business data of the bank terminal, determine the business volume of each business category of the bank terminal in a unit time; determine a business vector for the bank terminal, wherein the business vector corresponds to the bank's business one-to-one, and the value of each component of the business vector is equal to the business volume of the bank terminal in a unit time corresponding to the business corresponding to the component; For each bank terminal, the number of user categories corresponding to the bank terminal per unit time is determined based on the user data included in the business data of the bank terminal; and a user vector for the bank terminal is determined, wherein the user vector corresponds one-to-one to the user category, and the value of each component of the user vector is equal to the number of user categories corresponding to the component of the bank terminal per unit time.

9. The device according to claim 8, wherein The classification module is specifically used for: Determining a business distance function of the bank terminal based on the business vector of the bank terminal, wherein the business distance function is used to determine the business distance between any two bank terminals as the distance between the business vectors of the two bank terminals; Determining a user distance function of the bank terminal based on the user vectors of the bank terminal, wherein the user distance function is used to determine the user distance between any two bank terminals as the distance between the user vectors of the two bank terminals; According to the business distance function and user distance function of the bank terminals, all the bank terminals in the specified area are classified to obtain multiple bank terminal subsets.

10. The device according to claim 9, wherein The classification module is specifically used for: Based on the business distance function of bank terminals, all bank terminals in the specified area are clustered to obtain multiple bank terminal subsets; For each obtained bank terminal subset, determining a primary user category of each bank terminal in the bank terminal subset, and further determining a ratio of the number of bank terminals corresponding to each primary user category in the bank terminal subset; wherein the primary user category refers to the user category with the largest number of users in the user set corresponding to the bank terminal subset; Determine whether all bank terminal subsets satisfy condition t: there exists a primary user category such that the proportion of bank terminals corresponding to the primary user category in the bank terminal subset is greater than or equal to a set proportion threshold; if not, loop through the following steps until all bank terminal subsets satisfy condition t: Select a bank terminal subset that does not meet condition t from all bank terminal subsets; Clustering all bank terminals included in the selected bank terminal subset according to the user distance function of the bank terminals, and replacing the selected bank terminal subset with multiple new bank terminal subsets obtained by clustering; For each new bank terminal subset, the main user category of each bank terminal in the new bank terminal subset is determined, and the proportion of bank terminals corresponding to each main user category in the new bank terminal subset is further determined.

11. The device according to claim 8, wherein The first correspondence determination module is specifically configured to: Selecting each parameter value of a risk-related parameter from the business data of the bank terminals included in the bank terminal subset; wherein the risk-related parameter refers to a parameter related to risk; For each selected parameter value, based on the business data of the on-bank terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to the parameter value, and use the proportion as the safety factor corresponding to the parameter value; Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point; Based on the determined multiple points, function fitting is performed to obtain a first correspondence between the risk-related parameters and the safety factor of the bank terminal subset.

12. The device according to claim 8, wherein The second correspondence determination module is specifically configured to: Selecting each parameter value of a risk-related parameter from the business data of the independent terminal included in the bank terminal subset; wherein the risk-related parameter refers to a parameter related to risk; For each selected parameter value, based on the business data of the independent terminals included in the bank terminal subset, determine the proportion of non-risk-related businesses in the business data when the risk-related parameter is set to that parameter value, and use this proportion as the safety factor corresponding to the parameter value; Constructing a two-dimensional space, and determining a plurality of points in the two-dimensional space based on the selected parameter values ​​and the corresponding safety factors, wherein the abscissas of the plurality of points correspond one-to-one to the selected parameter values, and the ordinate of each point is equal to the safety factor corresponding to the parameter value corresponding to the abscissa of the point; Based on the determined multiple points, function fitting is performed to obtain a second corresponding relationship between the risk-related parameters and the safety factor of the bank terminal subset.

13. The device according to claim 8, wherein The risk modification module is specifically used to: For each independent terminal of the bank terminal subset, obtaining a parameter value of a risk-related parameter of the independent terminal; Determining a potential safety factor of the independent terminal with respect to the risk-related parameter based on the first correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the parameter value of the independent terminal with respect to the risk-related parameter; Determining a potential parameter value of the risk-related parameter of the independent terminal based on the second correspondence between the risk-related parameter and the safety factor of the subset of bank terminals and the potential safety factor of the risk-related parameter of the independent terminal; The risk-related parameters of the independent terminal are modified according to the potential parameter values ​​of the independent terminal with respect to the risk-related parameters.

14. The device according to claim 8, wherein The Risk Modification Module is also used to: For an independent terminal A outside the designated area, determining a service vector and a user vector of the independent terminal A based on the service data of the independent terminal A; For each bank terminal B in the designated area, the distance between the business vector of bank terminal B and the business vector of independent terminal A is used as the business distance corresponding to bank terminal B, and the distance between the user vector of bank terminal B and the user vector of independent terminal A is used as the user distance corresponding to bank terminal B; Determine a partial order of bank terminals based on the service distance and user distance. This partial order is used to determine whether, among any two bank terminals within a specified area, bank terminal C is closer than bank terminal D. Specifically, if the service distance corresponding to bank terminal C is less than or equal to the service distance corresponding to bank terminal D, and the user distance corresponding to bank terminal C is less than or equal to the user distance corresponding to bank terminal D, then bank terminal C is determined to be closer than bank terminal D. A reference bank terminal corresponding to the independent terminal A is selected from all bank terminals in the designated area according to the partial order of the bank terminals, wherein for each reference bank terminal corresponding to the independent terminal A, no other bank terminal other than the reference bank terminal exists among all bank terminals in the designated area such that the other bank terminal is closer to the reference bank terminal. Based on the reference bank terminal corresponding to independent terminal A, the risk-related parameters of independent terminal A are modified.

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

16. 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, the method according to any one of claims 1 to 7 is implemented.

17. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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