Risk control method and device for service terminal

Abstract

The present invention proposes a risk control method and device for a service terminal, which relates to the field of computer data processing technology. The method includes: obtaining business data of the service terminal, determining the risk dimension vector, customer dimension vector and business dimension vector of the service terminal; obtaining biometric identification data of the service terminal, and determining the corresponding relationship between the biometric threshold and risk index of the service terminal; selecting multiple controllable service terminals from the service terminals based on the risk dimension vector of the service terminal; for each uncontrollable service terminal, determining a similar controllable terminal of the uncontrollable service terminal; when a customer performs biometric identification on the uncontrollable service terminal, determining the biometric threshold of the customer when performing biometric identification on the uncontrollable service terminal; and identifying the biometric information of the customer obtained by the uncontrollable service terminal. The present invention can effectively control the risks of the service terminal and protect the property safety of the customer and the bank.

Description

Technical Field

[0001] The present invention relates to the technical field of computer data processing, and in particular to a risk control method and device for a service 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] Currently, the parameters used for biometric identification at self-service terminals are independent of the terminal itself. However, the risk factors for different bank terminals vary, which can lead to higher risks for biometric identification at certain terminals.

[0004] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects and effectively control risks of different self-service 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 a service terminal.

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

[0007] Obtaining business data of the service terminals, and determining the risk dimension vector, customer dimension vector, and business dimension vector of each service terminal based on the business data of the service terminal;

[0008] Obtaining biometric identification data of the service terminals, and determining a correspondence between a biometric threshold and a risk indicator for each service terminal based on the biometric identification data of the service terminal;

[0009] Selecting multiple controllable service terminals from the service terminals based on the risk dimension vectors of the service terminals;

[0010] For each non-controllable service terminal, determine similar controllable terminals of the non-controllable service terminal based on the customer dimension vector and the business dimension vector of the service terminal; wherein a non-controllable service terminal is a service terminal other than a controllable service terminal, and similar controllable terminals are controllable service terminals;

[0011] When a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer is determined based on the biometric threshold of the customer stored on the bank server, the correspondence between the biometric threshold and the risk index of the non-controllable service terminal, and the correspondence between the biometric threshold and the risk index of similar controllable terminals to the non-controllable service terminal;

[0012] Based on a biometric threshold when the customer performs biometric identification on the non-controllable service terminal, the biometric information of the customer obtained by the non-controllable service terminal is identified.

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

[0014] A business data processing module is used to obtain business data of service terminals and determine the risk dimension vector, customer dimension vector and business dimension vector of each service terminal based on the business data of the service terminal;

[0015] a correspondence determination module, configured to obtain the biometric identification data of the service terminal and determine the correspondence between the biometric threshold and the risk indicator of each service terminal based on the biometric identification data of the service terminal;

[0016] A controllable range terminal selection module is used to select multiple controllable service terminals from the service terminals based on the risk dimension vector of the service terminals;

[0017] a similar controllable terminal determination module configured to determine, for each non-controllable service terminal, a similar controllable terminal to the non-controllable service terminal based on the customer dimension vector and the service dimension vector of the service terminal; wherein a non-controllable service terminal is a service terminal other than a controllable service terminal, and a similar controllable terminal is a controllable service terminal;

[0018] a biometric threshold determination module for determining, when a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer based on the customer's biometric threshold stored in the bank server, the corresponding relationship between the biometric threshold and risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and risk indicator of a controllable terminal similar to the non-controllable service terminal;

[0019] The biometric information recognition module is used to recognize the biometric information of the customer obtained by the non-controllable service terminal based on the biometric threshold of the customer when the biometric identification is performed on the non-controllable service terminal.

[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 a service 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. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, a risk control method for a service 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 a service terminal is implemented.

[0023] The risk control method and device for service terminals proposed by the present invention obtain the business data of the service terminals, and determine the risk dimension vector, customer dimension vector and business dimension vector of the service terminal according to the business data of each service terminal; obtain the biometric identification data of the service terminal, and determine the corresponding relationship between the biometric threshold and the risk index of the service terminal according to the biometric identification data of each service terminal; select multiple controllable service terminals from the service terminals according to the risk dimension vector of the service terminal; for each non-controllable service terminal, determine the similar controllable terminal of the non-controllable service terminal according to the customer dimension vector and business dimension vector of the service terminal; wherein the non-controllable service terminal is a service terminal other than the controllable service terminal, and the similar controllable terminal belongs to the controllable service terminal; when the customer When performing biometric identification on a non-controllable service terminal, the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal is determined based on the biometric threshold of the customer stored in the bank server, the correspondence between the biometric threshold of the non-controllable service terminal and the risk index, and the correspondence between the biometric threshold of a similar controllable terminal to the non-controllable service terminal and the risk index; based on the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal, the biometric information of the customer obtained by the non-controllable service terminal is identified, effectively controlling the risks of the service terminal, protecting the property safety of the customer and the bank, improving the customer experience, and also improving the operational efficiency of the bank branch, providing strong technical support for the bank's digital risk control. 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 a service terminal according to an embodiment of the present invention.

[0026] Figure 24 is a flow chart of determining a vector of a service terminal according to an embodiment of the present invention.

[0027] Figure 3 The figure is a flowchart of determining the correspondence between the biometric threshold and the risk indicator of a service terminal according to an embodiment of the present invention.

[0028] Figure 4 It is a schematic diagram of a process of selecting multiple controllable service terminals from service terminals according to an embodiment of the present invention.

[0029] Figure 5 This is a schematic diagram of a process for determining a similar controllable terminal to a non-controllable service terminal according to an embodiment of the present invention.

[0030] Figure 6 It is a flowchart of determining a similar controllable terminal to a non-controllable service terminal according to another embodiment of the present invention.

[0031] Figure 7 This is a schematic diagram of a process for determining a biometric threshold value when a customer performs biometric identification on a non-controllable service terminal according to an embodiment of the present invention.

[0032] Figure 8 FIG. 1 is a schematic diagram of the architecture of a risk control device of a service terminal according to an embodiment of the present invention.

[0033] Figure 9 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0034] 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.

[0035] 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.

[0036] According to an embodiment of the present invention, a risk control method and device for a service terminal are proposed, which relate to the technical field of computer data processing.

[0037] The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0038] Figure 1 FIG. 1 is a flow chart of a risk control method for a service terminal according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0039] S1, obtaining the business data of the service terminal, and determining the risk dimension vector, customer dimension vector, and business dimension vector of each service terminal based on the business data of the service terminal;

[0040] S2, obtaining biometric identification data of the service terminal, and determining a correspondence between a biometric threshold and a risk indicator of each service terminal based on the biometric identification data of the service terminal;

[0041] S3, selecting multiple controllable service terminals from the service terminals based on the risk dimension vector of the service terminals;

[0042] S4. For each non-controllable service terminal, determine a similar controllable terminal to the non-controllable service terminal based on the customer dimension vector and the service dimension vector of the service terminal; wherein a non-controllable service terminal is a service terminal other than a controllable service terminal, and a similar controllable terminal is a controllable service terminal;

[0043] S5. When a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer is determined based on the biometric threshold of the customer stored on the bank server, the corresponding relationship between the biometric threshold and the risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and the risk indicator of similar controllable terminals to the non-controllable service terminal.

[0044] S6: Based on the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal, identify the biometric information of the customer obtained by the non-controllable service terminal.

[0045] The present invention can effectively control the risks of service terminals, protect the property safety of customers and banks, improve customer experience, and also improve the operational efficiency of bank branches, providing strong technical support for the bank's digital risk control.

[0046] In order to explain the risk control method of the above service terminal more clearly, each step is described in detail below.

[0047] In S1, ref. Figure 2 , obtain the business data of the service terminal, and determine the risk dimension vector, customer dimension vector and business dimension vector of each service terminal based on the business data of the service terminal, including:

[0048] S11. For each service terminal, determine, based on the business data of the service terminal, a risk indicator for each data dimension of the service terminal; and determine a risk dimension vector for the service terminal, wherein the components of the risk dimension vector correspond one-to-one to the data dimensions, and the value of each component of the risk dimension vector is equal to the risk indicator of the service terminal for the data dimension corresponding to the component.

[0049] S12: For each service terminal, determine the service volume of each service type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determine a service dimension vector for the service terminal, wherein the components of the service dimension vector correspond one-to-one to the service types, and the value of each component of the service dimension vector is equal to the service volume of the service terminal for the service type corresponding to the component;

[0050] S13. For each service terminal, determine the number of customers of each customer type corresponding to the service terminal based on the business data of the service terminal within a preset time range; determine the customer dimension vector of the service terminal, wherein the components of the customer dimension vector correspond one-to-one to the customer types, and the component value of each component of the customer dimension vector is equal to the number of customers of the service terminal corresponding to the customer type corresponding to the component.

[0051] In one embodiment, (S11) for each service terminal, based on the business data of the service terminal, determining the risk indicators of each data dimension corresponding to the service terminal includes:

[0052] S111, selecting business data corresponding to each data dimension from the business data of the service terminal;

[0053] S112, for each data dimension, dividing the business data corresponding to the data dimension into multiple business data subsets corresponding to the data dimension;

[0054] S113: For each data dimension, determine a subset number threshold corresponding to the data dimension based on multiple business data subsets corresponding to the data dimension;

[0055] S114: Determine the relationship between the number of multiple business data subsets corresponding to the data dimension and the subset number threshold corresponding to the data dimension. If it is determined that the number of multiple business data subsets corresponding to the data dimension is less than the subset number threshold corresponding to the data dimension, loop through the following steps until the number of business data subsets corresponding to the data dimension is greater than or equal to the subset number threshold corresponding to the data dimension:

[0056] Acquire new business data of the service terminal, select new business data corresponding to the data dimension from the new business data, and divide the new business data corresponding to the data dimension into multiple new business data subsets corresponding to the data dimension;

[0057] S115: When the number of business data subsets corresponding to the data dimension is greater than or equal to the subset number threshold corresponding to the data dimension, the proportion of the number of risk-related businesses included in each business data subset corresponding to the data dimension is used as a risk indicator sample corresponding to the data dimension;

[0058] S116: Determine the risk indicator of each data dimension corresponding to the service terminal as the mean value of the risk indicator samples corresponding to the data dimension.

[0059] Specifically, (S113) for each data dimension, based on the multiple business data subsets corresponding to the data dimension, determining a subset number threshold corresponding to the data dimension includes:

[0060] S1131, determining the ratio of the number of risk-related businesses among the businesses included in each of the multiple business data subsets corresponding to the data dimension;

[0061] S1132: Using the determined quantity ratio as a sample of the same distribution (i.e., the distribution of risk satisfaction of the service terminal corresponding to the data dimension), determine the variance θ corresponding to the distribution;

[0062] S1133, set the maximum acceptable risk error ε and the maximum probability p that the risk error is greater than ε;

[0063] S1134: Determine the subset number threshold corresponding to the data dimension to be greater than The smallest integer.

[0064] In S2, reference Figure 3 , obtain the biometric identification data of the service terminal, and determine the corresponding relationship between the biometric threshold and the risk indicator of each service terminal based on the biometric identification data of the service terminal, including:

[0065] S21, for each service terminal, selecting real values ​​of a biometric identification threshold from the biometric identification data of the service terminal;

[0066] S22, for each selected real value, determining the proportion of risk-related biometric features among all biometric features included in the biometric data of the service terminal when the biometric threshold is set to the real value, and using the proportion as the risk indicator corresponding to the real value;

[0067] S23, constructing a discrete function, where the independent variables of the discrete function are the selected real values, and the function value of the discrete function corresponding to each real value is the risk indicator corresponding to the real value;

[0068] S24, performing function fitting based on the discrete function to obtain a continuous function corresponding to the discrete function, and using the continuous function as the correspondence between the biometric threshold and the risk indicator of the service terminal.

[0069] In S3, reference Figure 4 , according to the risk dimension vector of the service terminal, multiple controllable service terminals are selected from the service terminals, including:

[0070] S31, determining a partial order of the service terminals based on the risk dimension vectors, wherein the partial order is used to determine whether a first service terminal is superior to a second service terminal among any two service terminals; for any two service terminals, if each component of the risk dimension vector of the first service terminal among the two service terminals is less than or equal to the corresponding component of the risk dimension vector of the second service terminal among the two service terminals, then the first service terminal is superior to the second service terminal in the partial order;

[0071] S32, selecting multiple controllable service terminals from the service terminals according to the partial order of the service terminals, wherein for each controllable service terminal, there are no other service terminals other than the controllable service terminal in the service terminals, such that the other service terminals are superior to the controllable service terminal.

[0072] A partial order may have multiple maximal elements. For example, if the risk dimension vector is two-dimensional and contains (0.2, 0.2), (0, 1, 0.3), (0.15, 0.3), (0.5, 0.4), and (0.2, 0.3), then the controllable service terminals in the partial order are the service terminals corresponding to (0.2, 0.2) and the service terminals corresponding to (0, 1, 0.3).

[0073] Specifically, (S32) selecting a plurality of controllable service terminals from the service terminals according to the partial order of the service terminals, including:

[0074] S321, initializing the set of service terminals to be determined and the set of service terminals to be compared to all service terminals of the bank;

[0075] S322: Execute the following three steps in a loop until the set of service terminals to be determined is empty:

[0076] Select a service terminal a from the set of service terminals to be determined (for example, select the service terminal a with the smallest customer dimension distance or business dimension distance), and compare the service terminal a with each service terminal b in the set of service terminals to be compared, excluding the service terminal a, based on the partial order of the service terminals.

[0077] If service terminal b is closer to service terminal a, service terminal a is deleted from the set of service terminals to be determined; if service terminal a is closer to service terminal b, service terminal b is deleted from the set of service terminals to be determined, and service terminal b is determined as the secondary service terminal of service terminal a;

[0078] If it is confirmed based on the partial order of the service terminals that each service terminal in the set of service terminals to be compared, except for service terminal a, is not close to service terminal a, then service terminal a is treated as a controllable service terminal and is deleted from the set of service terminals to be determined. In addition, all secondary service terminals of service terminal a are deleted from the set of service terminals to be compared.

[0079] When the number of service terminals in a bank is very large, if all pairs of service terminals are compared to select the controllable service terminals, there will be a lot of redundant calculations, and the corresponding computational complexity is O(N 2 The algorithm of the above embodiment can effectively reduce redundant calculations and reduce the complexity of the algorithm, that is, the complexity is less than O(N 2 ).

[0080] In S4, ref. Figure 5 For each uncontrollable service terminal, a similar controllable terminal of the uncontrollable service terminal is determined based on the customer dimension vector and the business dimension vector of the service terminal, including:

[0081] S41: For each non-controllable service terminal, the distance between the customer dimension vector of each controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to each controllable service terminal, and the distance between the business dimension vector of each controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to each controllable service terminal.

[0082] S42, selecting a plurality of controllable service terminals whose corresponding customer dimension distances are less than a first threshold from all controllable service terminals;

[0083] S43: The controllable service terminal with the smallest corresponding service dimension distance among the selected multiple controllable service terminals is used as a similar controllable terminal to the uncontrollable service terminal.

[0084] In another embodiment, reference Figure 6 (S4) For each non-controllable service terminal, another method for determining a similar controllable terminal of the non-controllable service terminal based on the customer dimension vector and the business dimension vector of the service terminal is:

[0085] S01: Determine a partial order of controllable service terminals based on the customer dimension vector and the business dimension vector, wherein the partial order is used to determine whether a first controllable service terminal is closer to a second controllable service terminal among any two controllable service terminals;

[0086] S02: Select multiple extreme controllable terminals from all controllable service terminals based on the partial order of the controllable service terminals, wherein for each extreme controllable terminal, there are no other controllable service terminals other than the extreme controllable terminal among all controllable service terminals, such that the other controllable service terminals are close to the extreme controllable terminal.

[0087] S03: Determine similar controllable terminals of the uncontrollable service terminal based on the extreme controllable terminal.

[0088] For example, the extreme value controllable terminal is used as a similar controllable terminal of the uncontrollable terminal.

[0089] Specifically, (S01) a method for determining the partial order of controllable service terminals based on the customer dimension vector and the business dimension vector is:

[0090] For each controllable service terminal, the difference between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the first vector difference corresponding to the controllable service terminal, and the difference between the service dimension vector of the controllable service terminal and the service dimension vector of the non-controllable service terminal is used as the second vector difference corresponding to the controllable service terminal;

[0091] For any two controllable service terminals, if the absolute value of the first vector difference corresponding to the first controllable service terminal of the two controllable service terminals in each component is less than or equal to the absolute value of the first vector difference corresponding to the second controllable service terminal of the two controllable service terminals in the corresponding component, and the absolute value of the second vector difference corresponding to the first controllable service terminal in each component is less than or equal to the absolute value of the second vector difference corresponding to the second controllable service terminal in the corresponding component, then the first controllable service terminal is determined to be closer to the second controllable service terminal.

[0092] Specifically, (S01) another method for determining the partial order of controllable service terminals based on the customer dimension vector and the business dimension vector is:

[0093] For each controllable service terminal, the distance between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to the controllable service terminal, and the distance between the business dimension vector of the controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to the controllable service terminal;

[0094] For any two controllable service terminals, if the customer dimension distance corresponding to the first controllable service terminal of the two controllable service terminals is less than or equal to the customer dimension distance corresponding to the second controllable service terminal of the two controllable service terminals, and the business dimension distance corresponding to the first controllable service terminal is less than or equal to the business dimension distance corresponding to the second controllable service terminal, then it is determined that the first controllable service terminal is closer to the second controllable service terminal.

[0095] In S5, reference Figure 7 When a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer is determined based on the bank's server-stored biometric threshold, the corresponding relationship between the biometric threshold and risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and risk indicator of similar controllable terminals to the non-controllable service terminal, including:

[0096] S51, determining the risk index of the customer corresponding to each similar controllable terminal based on the biometric threshold of the customer stored in the bank server and the corresponding relationship between the biometric threshold and risk index of each similar controllable terminal of the non-controllable service terminal;

[0097] S52: taking the maximum value of the risk indicators of the controllable terminals similar to the non-controllable service terminal for the customer as the potential risk indicator corresponding to the customer;

[0098] S53, determining a potential biometric threshold corresponding to the customer based on the potential risk indicator corresponding to the customer and a correspondence between the biometric threshold of the non-controllable service terminal and the risk indicator;

[0099] S54: Using the potential biometric threshold corresponding to the customer as the biometric threshold for performing biometric identification on the non-controllable service terminal.

[0100] In S6, based on the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal, the biometric information of the customer obtained by the non-controllable service terminal is identified.

[0101] 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.

[0102] After introducing the method of the exemplary embodiment of the present invention, next, reference is made to Figure 8A risk control device for a service terminal according to an exemplary embodiment of the present invention is introduced.

[0103] The implementation of the risk control device in the service terminal can be referenced to the implementation of the above-mentioned 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 in hardware, or a combination of software and hardware, is also possible and contemplated.

[0104] Based on the same inventive concept, the present invention also proposes a risk control device for a service terminal, such as Figure 8 As shown, the device includes:

[0105] The business data processing module 810 is used to obtain the business data of the service terminal and determine the risk dimension vector, customer dimension vector and business dimension vector of each service terminal based on the business data of the service terminal;

[0106] The corresponding relationship determination module 820 is used to obtain the biometric identification data of the service terminal and determine the corresponding relationship between the biometric threshold and the risk indicator of each service terminal based on the biometric identification data of the service terminal;

[0107] A controllable range terminal selection module 830 is used to select a plurality of controllable service terminals from the service terminals based on the risk dimension vectors of the service terminals;

[0108] A similar controllable terminal determination module 840 is configured to determine, for each non-controllable service terminal, similar controllable terminals to the non-controllable service terminal based on the service terminal's customer dimension vector and business dimension vector. A non-controllable service terminal is a service terminal other than a controllable service terminal, and similar controllable terminals are controllable service terminals.

[0109] The biometric threshold determination module 850 is configured to determine, when a customer performs biometric identification on a non-controllable service terminal, the biometric threshold of the customer based on the bank server's stored biometric threshold, the corresponding relationship between the biometric threshold and risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and risk indicator of similar controllable terminals to the non-controllable service terminal;

[0110] The biometric information recognition module 860 is configured to recognize the biometric information of the customer obtained by the non-controllable service terminal based on the biometric threshold of the customer when performing biometric recognition on the non-controllable service terminal.

[0111] In one embodiment, the business data processing module is specifically configured to:

[0112] For each service terminal, determine the risk indicator for each data dimension of the service terminal based on the business data of the service terminal; determine the risk dimension vector for the service terminal, wherein the components of the risk dimension vector correspond one-to-one to the data dimensions, and the component value of each component of the risk dimension vector is equal to the risk indicator of the service terminal for the data dimension corresponding to the component;

[0113] For each service terminal, determining the service volume of each service type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determining a service dimension vector for the service terminal, wherein the components of the service dimension vector correspond one-to-one to the service types, and the component value of each component of the service dimension vector is equal to the service volume of the service terminal for the service type corresponding to the component;

[0114] For each service terminal, the number of customers of each customer type corresponding to the service terminal is determined based on the business data of the service terminal within a preset time range; and the customer dimension vector of the service terminal is determined, wherein the components of the customer dimension vector correspond one-to-one to the customer types, and the component value of each component of the customer dimension vector is equal to the number of customers of the service terminal corresponding to the customer type corresponding to the component.

[0115] In one embodiment, the correspondence relationship determination module is specifically configured to:

[0116] For each service terminal, selecting respective real values ​​of the biometric identification threshold from the biometric identification data of the service terminal;

[0117] For each selected real value, determine the proportion of risk-related biometric features among all biometric features included in the biometric data of the service terminal when the biometric threshold is set to the real value, and use the proportion as the risk indicator corresponding to the real value;

[0118] Construct a discrete function, where the independent variables of the discrete function are the selected real values, and the function value of the discrete function corresponding to each real value is the risk indicator corresponding to the real value;

[0119] Based on the discrete function, function fitting is performed to obtain a continuous function corresponding to the discrete function, and the continuous function is used as the correspondence between the biometric threshold and the risk indicator of the service terminal.

[0120] In one embodiment, the controllable range terminal selection module is specifically used to:

[0121] Determining a partial order of the service terminals based on the risk dimension vectors, wherein the partial order is used to determine whether a first service terminal is superior to a second service terminal among any two service terminals; for any two service terminals, if each component of the risk dimension vector of the first service terminal among the two service terminals is less than or equal to the corresponding component of the risk dimension vector of the second service terminal among the two service terminals, then the first service terminal is superior to the second service terminal in the partial order;

[0122] According to the partial order of the service terminals, a plurality of controllable service terminals are selected from the service terminals, wherein for each controllable service terminal, there are no other service terminals other than the controllable service terminal in the service terminals, such that the other service terminals are superior to the controllable service terminal.

[0123] In one embodiment, the similar controllable terminal determination module is specifically configured to:

[0124] For each non-controllable service terminal, the distance between the customer dimension vector of each controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to each controllable service terminal, and the distance between the business dimension vector of each controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to each controllable service terminal;

[0125] Selecting a plurality of controllable service terminals whose corresponding customer dimension distances are less than a first threshold from all controllable service terminals;

[0126] The controllable service terminal with the smallest corresponding business dimension distance among the selected multiple controllable service terminals is used as a similar controllable terminal to the uncontrollable service terminal.

[0127] In one embodiment, the similar controllable terminal determination module is specifically configured to:

[0128] Determining a partial order of the controllable service terminals based on the customer dimension vector and the business dimension vector, wherein the partial order is used to determine whether a first controllable service terminal is closer to a second controllable service terminal among any two controllable service terminals;

[0129] According to the partial order of the controllable service terminals, a plurality of extreme controllable terminals are selected from all the controllable service terminals, wherein for each extreme controllable terminal, no other controllable service terminals other than the extreme controllable terminal exist among all the controllable service terminals, such that the other controllable service terminals are close to the extreme controllable terminal;

[0130] Based on the extreme controllable terminal, a similar controllable terminal of the uncontrollable service terminal is determined.

[0131] In one embodiment, the similar controllable terminal determination module is specifically configured to:

[0132] For each controllable service terminal, the difference between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the first vector difference corresponding to the controllable service terminal, and the difference between the service dimension vector of the controllable service terminal and the service dimension vector of the non-controllable service terminal is used as the second vector difference corresponding to the controllable service terminal;

[0133] For any two controllable service terminals, if the absolute value of the first vector difference corresponding to the first controllable service terminal of the two controllable service terminals in each component is less than or equal to the absolute value of the first vector difference corresponding to the second controllable service terminal of the two controllable service terminals in the corresponding component, and the absolute value of the second vector difference corresponding to the first controllable service terminal in each component is less than or equal to the absolute value of the second vector difference corresponding to the second controllable service terminal in the corresponding component, then the first controllable service terminal is determined to be closer to the second controllable service terminal.

[0134] In one embodiment, the similar controllable terminal determination module is specifically configured to:

[0135] For each controllable service terminal, the distance between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to the controllable service terminal, and the distance between the business dimension vector of the controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to the controllable service terminal;

[0136] For any two controllable service terminals, if the customer dimension distance corresponding to the first controllable service terminal of the two controllable service terminals is less than or equal to the customer dimension distance corresponding to the second controllable service terminal of the two controllable service terminals, and the business dimension distance corresponding to the first controllable service terminal is less than or equal to the business dimension distance corresponding to the second controllable service terminal, then it is determined that the first controllable service terminal is closer to the second controllable service terminal.

[0137] In one embodiment, the biometric threshold determination module is specifically configured to:

[0138] Determine the risk index of the customer corresponding to the similar controllable terminal based on the biometric threshold of the customer stored in the bank server and the corresponding relationship between the biometric threshold and risk index of each similar controllable terminal of the non-controllable service terminal;

[0139] The maximum value of the risk index of the controllable terminal similar to the non-controllable service terminal corresponding to the customer is used as the potential risk index corresponding to the customer;

[0140] Determine the potential biometric threshold corresponding to the customer based on the potential risk indicator corresponding to the customer and the corresponding relationship between the biometric threshold of the non-controllable service terminal and the risk indicator;

[0141] The potential biometric threshold corresponding to the customer is used as the biometric threshold when the customer performs biometric identification on the non-controllable service terminal.

[0142] It should be noted that while the detailed description above mentions several modules of the risk control device of the service terminal, this division is merely exemplary and not mandatory. In practice, according to embodiments of the present invention, the features and functions of two or more modules described above may be embodied in a single module. Conversely, the features and functions of a single module described above may be further divided and embodied by multiple modules.

[0143] Based on the above invention concept, Figure 9 As shown, the present invention also proposes a computer device 900, including a memory 910, a processor 920, and a computer program 930 stored in the memory 910 and executable on the processor 920, wherein the processor 920 implements the risk control method of the aforementioned service terminal when executing the computer program 930.

[0144] 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 service terminal is implemented.

[0145] 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 a service terminal is implemented.

[0146] The risk control method and device for service terminals proposed by the present invention obtain the business data of the service terminals, and determine the risk dimension vector, customer dimension vector and business dimension vector of the service terminal according to the business data of each service terminal; obtain the biometric identification data of the service terminal, and determine the corresponding relationship between the biometric threshold and the risk index of the service terminal according to the biometric identification data of each service terminal; select multiple controllable service terminals from the service terminals according to the risk dimension vector of the service terminal; for each non-controllable service terminal, determine the similar controllable terminal of the non-controllable service terminal according to the customer dimension vector and business dimension vector of the service terminal; wherein the non-controllable service terminal is a service terminal other than the controllable service terminal, and the similar controllable terminal belongs to the controllable service terminal; when the customer When performing biometric identification on a non-controllable service terminal, the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal is determined based on the biometric threshold of the customer stored in the bank server, the correspondence between the biometric threshold of the non-controllable service terminal and the risk index, and the correspondence between the biometric threshold of a similar controllable terminal to the non-controllable service terminal and the risk index; based on the biometric threshold of the customer when performing biometric identification on the non-controllable service terminal, the biometric information of the customer obtained by the non-controllable service terminal is identified, effectively controlling the risks of the service terminal, protecting the property safety of the customer and the bank, improving the customer experience, and also improving the operational efficiency of the bank branch, providing strong technical support for the bank's digital risk control.

[0147] 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.

[0148] 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.

[0149] 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 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0150] 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.

[0151] 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 a service terminal, characterized in that: include: Obtaining business data of the service terminals, and determining the risk dimension vector, customer dimension vector, and business dimension vector of each service terminal based on the business data of the service terminal; Obtaining biometric identification data of the service terminals, and determining a correspondence between a biometric threshold and a risk indicator for each service terminal based on the biometric identification data of the service terminal; Selecting multiple controllable service terminals from the service terminals based on the risk dimension vectors of the service terminals; For each non-controllable service terminal, determine similar controllable terminals of the non-controllable service terminal based on the customer dimension vector and the business dimension vector of the service terminal; wherein a non-controllable service terminal is a service terminal other than a controllable service terminal, and similar controllable terminals are controllable service terminals; When a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer is determined based on the biometric threshold of the customer stored on the bank server, the correspondence between the biometric threshold and the risk index of the non-controllable service terminal, and the correspondence between the biometric threshold and the risk index of similar controllable terminals to the non-controllable service terminal; Identify the biometric information of the customer obtained by the uncontrollable service terminal based on a biometric threshold of the customer when performing biometric identification on the uncontrollable service terminal; The process of obtaining the business data of the service terminal and determining the risk dimension vector, customer dimension vector, and business dimension vector of each service terminal based on the business data of the service terminal includes: For each service terminal, determine the risk indicator for each data dimension of the service terminal based on the business data of the service terminal; determine the risk dimension vector for the service terminal, wherein the components of the risk dimension vector correspond one-to-one to the data dimensions, and the component value of each component of the risk dimension vector is equal to the risk indicator of the service terminal for the data dimension corresponding to the component; For each service terminal, determining the service volume of each service type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determining a service dimension vector for the service terminal, wherein the components of the service dimension vector correspond one-to-one to the service types, and the component value of each component of the service dimension vector is equal to the service volume of the service terminal for the service type corresponding to the component; For each service terminal, determining the number of customers of each customer type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determining a customer dimension vector for the service terminal, wherein the components of the customer dimension vector correspond one-to-one to the customer types, and the value of each component of the customer dimension vector is equal to the number of customers of the service terminal corresponding to the customer type corresponding to the component; Among them, according to the risk dimension vector of the service terminal, multiple controllable service terminals are selected from the service terminals, including: Determining a partial order of the service terminals based on the risk dimension vectors, wherein the partial order is used to determine whether a first service terminal is superior to a second service terminal among any two service terminals; for any two service terminals, if each component of the risk dimension vector of the first service terminal among the two service terminals is less than or equal to the corresponding component of the risk dimension vector of the second service terminal among the two service terminals, then the first service terminal is superior to the second service terminal in the partial order; According to the partial order of the service terminals, a plurality of controllable service terminals are selected from the service terminals, wherein for each controllable service terminal, there are no other service terminals other than the controllable service terminal in the service terminals, such that the other service terminals are superior to the controllable service terminal.

2. The method according to claim 1, wherein Obtain biometric identification data of the service terminal, and determine the corresponding relationship between the biometric threshold and the risk indicator of each service terminal based on the biometric identification data of the service terminal, including: For each service terminal, selecting respective real values ​​of the biometric identification threshold from the biometric identification data of the service terminal; For each selected real value, determine the proportion of risk-related biometric features among all biometric features included in the biometric data of the service terminal when the biometric threshold is set to the real value, and use the proportion as the risk indicator corresponding to the real value; Construct a discrete function, where the independent variables of the discrete function are the selected real values, and the function value of the discrete function corresponding to each real value is the risk indicator corresponding to the real value; Based on the discrete function, function fitting is performed to obtain a continuous function corresponding to the discrete function, and the continuous function is used as the correspondence between the biometric threshold and the risk indicator of the service terminal.

3. The method according to claim 1, wherein For each uncontrollable service terminal, a similar controllable terminal to the uncontrollable service terminal is determined based on the customer dimension vector and the business dimension vector of the service terminal, including: For each non-controllable service terminal, the distance between the customer dimension vector of each controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to each controllable service terminal, and the distance between the business dimension vector of each controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to each controllable service terminal; Selecting a plurality of controllable service terminals whose corresponding customer dimension distances are less than a first threshold from all controllable service terminals; The controllable service terminal with the smallest corresponding business dimension distance among the selected multiple controllable service terminals is used as a similar controllable terminal to the uncontrollable service terminal.

4. The method according to claim 1, wherein For each uncontrollable service terminal, a similar controllable terminal to the uncontrollable service terminal is determined based on the customer dimension vector and the business dimension vector of the service terminal, including: Determining a partial order of the controllable service terminals based on the customer dimension vector and the business dimension vector, wherein the partial order is used to determine whether a first controllable service terminal is closer to a second controllable service terminal among any two controllable service terminals; According to the partial order of the controllable service terminals, a plurality of extreme controllable terminals are selected from all the controllable service terminals, wherein for each extreme controllable terminal, no other controllable service terminals other than the extreme controllable terminal exist among all the controllable service terminals, such that the other controllable service terminals are close to the extreme controllable terminal; According to the extreme controllable terminal, a similar controllable terminal of the uncontrollable service terminal is determined.

5. The method according to claim 4, wherein Based on the customer dimension vector and the business dimension vector, the partial order of the controllable service terminals is determined, including: For each controllable service terminal, the difference between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the first vector difference corresponding to the controllable service terminal, and the difference between the service dimension vector of the controllable service terminal and the service dimension vector of the non-controllable service terminal is used as the second vector difference corresponding to the controllable service terminal; For any two controllable service terminals, if the absolute value of the first vector difference corresponding to the first controllable service terminal of the two controllable service terminals in each component is less than or equal to the absolute value of the first vector difference corresponding to the second controllable service terminal of the two controllable service terminals in the corresponding component, and the absolute value of the second vector difference corresponding to the first controllable service terminal in each component is less than or equal to the absolute value of the second vector difference corresponding to the second controllable service terminal in the corresponding component, then the first controllable service terminal is determined to be closer to the second controllable service terminal.

6. The method according to claim 4, wherein Based on the customer dimension vector and the business dimension vector, the partial order of the controllable service terminals is determined, including: For each controllable service terminal, the distance between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to the controllable service terminal, and the distance between the business dimension vector of the controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to the controllable service terminal; For any two controllable service terminals, if the customer dimension distance corresponding to the first controllable service terminal of the two controllable service terminals is less than or equal to the customer dimension distance corresponding to the second controllable service terminal of the two controllable service terminals, and the business dimension distance corresponding to the first controllable service terminal is less than or equal to the business dimension distance corresponding to the second controllable service terminal, then it is determined that the first controllable service terminal is closer to the second controllable service terminal.

7. The method according to claim 1, wherein When a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer is determined based on the bank's server-stored biometric threshold, the corresponding relationship between the biometric threshold and the risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and the risk indicator of a similar controllable terminal to the non-controllable service terminal, including: Determine the risk index of the customer corresponding to the similar controllable terminal based on the biometric threshold of the customer stored in the bank server and the corresponding relationship between the biometric threshold and risk index of each similar controllable terminal of the non-controllable service terminal; The maximum value of the risk indicators of the controllable terminals similar to the non-controllable service terminal corresponding to the customer is used as the potential risk indicator corresponding to the customer; Determine the potential biometric threshold corresponding to the customer based on the potential risk indicator corresponding to the customer and the corresponding relationship between the biometric threshold of the non-controllable service terminal and the risk indicator; The potential biometric threshold corresponding to the customer is used as the biometric threshold when the customer performs biometric identification on the non-controllable service terminal.

8. A risk control device for a service terminal, characterized in that: include: A business data processing module is used to obtain business data of service terminals and determine the risk dimension vector, customer dimension vector and business dimension vector of each service terminal based on the business data of the service terminal; a correspondence determination module, configured to obtain the biometric identification data of the service terminal and determine the correspondence between the biometric threshold and the risk indicator of each service terminal based on the biometric identification data of the service terminal; A controllable range terminal selection module is used to select multiple controllable service terminals from the service terminals based on the risk dimension vector of the service terminals; a similar controllable terminal determination module configured to determine, for each non-controllable service terminal, a similar controllable terminal to the non-controllable service terminal based on the customer dimension vector and the service dimension vector of the service terminal; wherein a non-controllable service terminal is a service terminal other than a controllable service terminal, and a similar controllable terminal is a controllable service terminal; a biometric threshold determination module for determining, when a customer performs biometric identification on a non-controllable service terminal, the biometric threshold for the customer based on the customer's biometric threshold stored in the bank server, the corresponding relationship between the biometric threshold and risk indicator of the non-controllable service terminal, and the corresponding relationship between the biometric threshold and risk indicator of a controllable terminal similar to the non-controllable service terminal; a biometric information recognition module, configured to recognize the biometric information of the customer obtained by the non-controllable service terminal based on a biometric threshold when the customer performs biometric recognition on the non-controllable service terminal; The business data processing module is specifically used to: For each service terminal, determine the risk indicator for each data dimension of the service terminal based on the business data of the service terminal; determine the risk dimension vector for the service terminal, wherein the components of the risk dimension vector correspond one-to-one to the data dimensions, and the component value of each component of the risk dimension vector is equal to the risk indicator of the service terminal for the data dimension corresponding to the component; For each service terminal, determining the service volume of each service type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determining a service dimension vector for the service terminal, wherein the components of the service dimension vector correspond one-to-one to the service types, and the component value of each component of the service dimension vector is equal to the service volume of the service terminal for the service type corresponding to the component; For each service terminal, determining the number of customers of each customer type corresponding to the service terminal based on the service data of the service terminal within a preset time range; determining a customer dimension vector for the service terminal, wherein the components of the customer dimension vector correspond one-to-one to the customer types, and the value of each component of the customer dimension vector is equal to the number of customers of the service terminal corresponding to the customer type corresponding to the component; Among them, the controllable range terminal selection module is specifically used to: Determining a partial order of the service terminals based on the risk dimension vectors, wherein the partial order is used to determine whether a first service terminal is superior to a second service terminal among any two service terminals; for any two service terminals, if each component of the risk dimension vector of the first service terminal among the two service terminals is less than or equal to the corresponding component of the risk dimension vector of the second service terminal among the two service terminals, then the first service terminal is superior to the second service terminal in the partial order; According to the partial order of the service terminals, a plurality of controllable service terminals are selected from the service terminals, wherein for each controllable service terminal, there are no other service terminals other than the controllable service terminal in the service terminals, such that the other service terminals are superior to the controllable service terminal.

9. The device according to claim 8, wherein The corresponding relationship determination module is specifically used for: For each service terminal, selecting respective real values ​​of the biometric identification threshold from the biometric identification data of the service terminal; For each selected real value, determine the proportion of risk-related biometric features among all biometric features included in the biometric data of the service terminal when the biometric threshold is set to the real value, and use the proportion as the risk indicator corresponding to the real value; Construct a discrete function, where the independent variables of the discrete function are the selected real values, and the function value of the discrete function corresponding to each real value is the risk indicator corresponding to the real value; Based on the discrete function, function fitting is performed to obtain a continuous function corresponding to the discrete function, and the continuous function is used as the correspondence between the biometric threshold and the risk indicator of the service terminal.

10. The device according to claim 8, wherein The similar controllable terminal determination module is specifically used to: For each non-controllable service terminal, the distance between the customer dimension vector of each controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to each controllable service terminal, and the distance between the business dimension vector of each controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to each controllable service terminal; Selecting a plurality of controllable service terminals whose corresponding customer dimension distances are less than a first threshold from all controllable service terminals; The controllable service terminal with the smallest corresponding business dimension distance among the selected multiple controllable service terminals is used as a similar controllable terminal to the uncontrollable service terminal.

11. The device according to claim 8, wherein The similar controllable terminal determination module is specifically used to: Determining a partial order of the controllable service terminals based on the customer dimension vector and the business dimension vector, wherein the partial order is used to determine whether a first controllable service terminal is closer to a second controllable service terminal among any two controllable service terminals; According to the partial order of the controllable service terminals, a plurality of extreme controllable terminals are selected from all the controllable service terminals, wherein for each extreme controllable terminal, no other controllable service terminals other than the extreme controllable terminal exist among all the controllable service terminals, such that the other controllable service terminals are close to the extreme controllable terminal; According to the extreme controllable terminal, a similar controllable terminal of the uncontrollable service terminal is determined.

12. The device according to claim 11, wherein The similar controllable terminal determination module is specifically used to: For each controllable service terminal, the difference between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the first vector difference corresponding to the controllable service terminal, and the difference between the service dimension vector of the controllable service terminal and the service dimension vector of the non-controllable service terminal is used as the second vector difference corresponding to the controllable service terminal; For any two controllable service terminals, if the absolute value of the first vector difference corresponding to the first controllable service terminal of the two controllable service terminals in each component is less than or equal to the absolute value of the first vector difference corresponding to the second controllable service terminal of the two controllable service terminals in the corresponding component, and the absolute value of the second vector difference corresponding to the first controllable service terminal in each component is less than or equal to the absolute value of the second vector difference corresponding to the second controllable service terminal in the corresponding component, then the first controllable service terminal is determined to be closer to the second controllable service terminal.

13. The device according to claim 11, wherein The similar controllable terminal determination module is specifically used to: For each controllable service terminal, the distance between the customer dimension vector of the controllable service terminal and the customer dimension vector of the non-controllable service terminal is used as the customer dimension distance corresponding to the controllable service terminal, and the distance between the business dimension vector of the controllable service terminal and the business dimension vector of the non-controllable service terminal is used as the business dimension distance corresponding to the controllable service terminal; For any two controllable service terminals, if the customer dimension distance corresponding to the first controllable service terminal of the two controllable service terminals is less than or equal to the customer dimension distance corresponding to the second controllable service terminal of the two controllable service terminals, and the business dimension distance corresponding to the first controllable service terminal is less than or equal to the business dimension distance corresponding to the second controllable service terminal, then it is determined that the first controllable service terminal is closer to the second controllable service terminal.

14. The device according to claim 8, wherein The biometric threshold determination module is specifically used to: Determine the risk index of the customer corresponding to the similar controllable terminal based on the biometric threshold of the customer stored in the bank server and the corresponding relationship between the biometric threshold and risk index of each similar controllable terminal of the non-controllable service terminal; The maximum value of the risk indicators of the controllable terminals similar to the non-controllable service terminal corresponding to the customer is used as the potential risk indicator corresponding to the customer; Determine the potential biometric threshold corresponding to the customer based on the potential risk indicator corresponding to the customer and the corresponding relationship between the biometric threshold of the non-controllable service terminal and the risk indicator; The potential biometric threshold corresponding to the customer is used as the biometric threshold when the customer performs biometric identification on the non-controllable service terminal.

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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