Customer withdrawal risk control system and method

Abstract

The present invention provides a customer withdrawal risk control system and method, which is applied to the field of financial technology. The system includes: a bank server configured to receive a withdrawal reservation request sent by a customer via a mobile terminal; determine multiple cash terminals corresponding to the customer and send them to the customer's mobile terminal; the mobile terminal configured to display multiple cash terminals on a user interface and receive the cash terminal selected by the customer; the bank server further configured to, upon receiving the customer's selected cash terminal, send the customer's biometric data to an edge computing system corresponding to the selected cash terminal; the cash terminal configured to send the collected biometric data of the customer to the corresponding edge computing system; the edge computing system configured to match the biometric data; and the cash terminal further configured to perform risk control on the customer's withdrawal transaction based on the biometric matching value. The present invention can control the risk of customers withdrawing money from cash terminals.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a customer withdrawal risk control system and method. Background Art

[0002] When a customer searches for a cash terminal to withdraw cash, the system can only recommend cash terminals based on proximity. However, the risk profile of each cash terminal is different, and the existing method of recommending cash terminals can lead to risks. Summary of the Invention

[0003] An embodiment of the present invention provides a customer withdrawal risk control system for controlling the risk of customers withdrawing money at cash terminals. The system includes:

[0004] Bank servers, customer mobile terminals, cash terminals, and edge computing systems, among which,

[0005] Bank servers for:

[0006] receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal;

[0007] Determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal;

[0008] Sending multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal;

[0009] Mobile terminal for:

[0010] Displaying a plurality of cash terminals to be selected on a user interface, and receiving a cash terminal selected by a customer from the plurality of cash terminals to be selected;

[0011] Feedback the selected cash terminal to the bank server;

[0012] Bank servers are also used to:

[0013] After receiving the cash terminal selected by the customer, the customer's biometric data is sent to the edge computing system corresponding to the selected cash terminal;

[0014] A cash terminal, configured to: when a customer selects a withdrawal transaction on the cash terminal, and the cash terminal is the cash terminal selected by the customer, send the collected biometric data of the customer to the edge computing system corresponding to the cash terminal;

[0015] an edge computing system, configured to match the received biometric data of the customer with the biometric data of the customer stored in the edge computing system, and feed back a biometric matching value to a corresponding cash terminal;

[0016] The cash terminal is also used to: perform risk control on customers' withdrawal transactions based on biometric matching values.

[0017] An embodiment of the present invention provides a method for controlling customer withdrawal risk, for controlling the risk of customers withdrawing money at a cash terminal. The method includes:

[0018] receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal;

[0019] Determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal;

[0020] Sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; wherein the mobile terminal displays the multiple cash terminals to be selected on a user interface, receives the cash terminal selected by the customer from the multiple cash terminals to be selected, and feeds back the selected cash terminal;

[0021] After receiving the cash terminal selected by the customer, the customer's biometric data is sent to the edge computing system corresponding to the selected cash terminal;

[0022] Among them, when a customer selects a withdrawal transaction on a selected cash terminal, the selected cash terminal will send the collected biometric data of the customer to the edge computing system corresponding to the cash terminal; the edge computing system will match the received customer's biometric data with the customer's biometric data stored in the edge computing system, and feed back the biometric matching value to the corresponding cash terminal; the cash terminal will perform risk control on the customer's withdrawal transaction based on the biometric matching value.

[0023] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned customer withdrawal risk control method when executing the computer program.

[0024] An embodiment of the present invention further provides 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 above-mentioned customer withdrawal risk control method is implemented.

[0025] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned customer withdrawal risk control method.

[0026] In an embodiment of the present invention, a bank server is configured to: receive a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal; determine multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal; and send the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; the mobile terminal is configured to: display multiple cash terminals to be selected on a user interface and receive a cash terminal selected by the customer from the multiple cash terminals to be selected; and feed back the selected cash terminal to the bank server; the bank server is further configured to: after receiving the cash terminal selected by the customer, send the customer's biometric data to an edge computing system corresponding to the selected cash terminal; the cash terminal is configured to: when the customer selects a withdrawal transaction on the cash terminal and the cash terminal is the cash terminal selected by the customer, send the collected biometric data of the customer to the edge computing system corresponding to the cash terminal; the edge computing system is configured to match the received biometric data of the customer with the biometric data of the customer stored in the edge computing system, and feed back the biometric matching value to the corresponding cash terminal; the cash terminal is further configured to: perform risk control on the customer's withdrawal transaction based on the biometric matching value. Through the above process, customers can select cash terminals through mobile terminals for their convenience. When conducting cash transactions at the selected cash terminal, biometric data matching is performed through the edge computing system without occupying the resources of the cash terminal and server, thus achieving risk control while saving resources and reducing waiting time. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0028] Figure 1 A schematic diagram of a customer withdrawal risk control system according to an embodiment of the present invention;

[0029] Figure 2 This is a schematic diagram of a bank server determining multiple cash terminals to be selected in an embodiment of the present invention;

[0030] Figure 3 This is a flow chart of a bank server determining an indicator and an indicator convergence error in an embodiment of the present invention;

[0031] Figure 4This is a flow chart of a bank server determining multiple cash terminals to be selected based on a maximum cash terminal in an embodiment of the present invention;

[0032] Figure 5 This is a flow chart of a bank server sorting cash terminals to be selected in an embodiment of the present invention;

[0033] Figure 6 This is a flow chart of a mobile terminal displaying cash terminals to be selected in an embodiment of the present invention;

[0034] Figure 7 The figure is a flow chart of a method for controlling customer withdrawal risks in an embodiment of the present invention. DETAILED DESCRIPTION

[0035] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0036] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps therein is not limited and can be appropriately adjusted as needed.

[0037] Figure 1 Schematic diagram of the customer withdrawal risk control system in an embodiment of the present invention, as shown in FIG. Figure 1 As shown, including:

[0038] Bank server 10, customer's mobile terminal 20, cash terminal 30 and edge computing system 40, wherein,

[0039] The bank server 10 is used to:

[0040] S101, receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal;

[0041] S102, determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal;

[0042] S103, sending multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal;

[0043] The mobile terminal 20 is configured to:

[0044] S104, displaying a plurality of cash terminals to be selected on the user interface, and receiving a cash terminal selected by the customer from the plurality of cash terminals to be selected;

[0045] S105, feeding back the selected cash terminal to the bank server;

[0046] The bank server 10 is also used to:

[0047] S106, after receiving the cash terminal selected by the customer, sending the customer's biometric data to the edge computing system corresponding to the selected cash terminal;

[0048] Cash terminal 30, used for:

[0049] S107, when the customer selects a withdrawal transaction on the cash terminal, and the cash terminal is the cash terminal selected by the customer, sending the collected biometric data of the customer to the edge computing system corresponding to the cash terminal;

[0050] The edge computing system 40 is configured to:

[0051] S108, matching the received customer's biometric data with the customer's biometric data stored in the edge computing system, and feeding back the biometric matching value to the corresponding cash terminal;

[0052] The cash terminal 30 is also used to:

[0053] S109: Perform risk control on the customer's withdrawal transaction based on the biometric matching value.

[0054] Specifically, the cash terminal may be an ATM.

[0055] Figure 2 This is a schematic diagram of a bank server determining multiple cash terminals to be selected according to an embodiment of the present invention. When performing the step of determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal, the bank server is specifically configured to:

[0056] S201, multiple cash terminals whose distances from the received current location of the mobile terminal are less than a specified threshold are used as cash terminals corresponding to the customer;

[0057] S202, obtaining cash transaction data and non-cash transaction data of the cash terminal corresponding to the customer;

[0058] S203, for each cash terminal corresponding to the customer, determining a cash indicator, a cash indicator convergence error, a non-cash indicator, and a non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal;

[0059] S204: Determine a partial order of cash terminals corresponding to the customer, where the partial order is used to determine whether a first cash terminal is superior to a second cash terminal among any two cash terminals corresponding to the customer; when the cash indicator corresponding to the first cash terminal is greater than or equal to the cash indicator corresponding to the second cash terminal, and the non-cash indicator corresponding to the first cash terminal is greater than or equal to the non-cash indicator corresponding to the second cash terminal, and the convergence error of the cash indicator corresponding to the first cash terminal is less than a first convergence threshold, and the convergence error of the non-cash indicator corresponding to the first cash terminal is less than a second convergence threshold, then determine that the first cash terminal is superior to the second cash terminal;

[0060] S205, determining multiple maximal elements of the partial order of the cash terminals corresponding to the customer, and using the multiple maximal elements as the maximal cash terminals;

[0061] S206: Determine multiple cash terminals to be selected corresponding to the customer based on the maximum number of cash terminals.

[0062] The maximum element of a partial order is an element in the set corresponding to the partial order such that there is no other element other than the maximum element, making the other element superior to the maximum element.

[0063] In one embodiment, when performing the step of determining multiple maximal elements of the partial order of the cash terminals corresponding to the customer and using the multiple maximal elements as the maximum cash terminals, the bank server is specifically configured to:

[0064] Among the cash terminals corresponding to the customer, the cash terminal whose corresponding cash indicator convergence error is less than the first convergence threshold and whose corresponding non-cash indicator convergence error is less than the second convergence threshold is selected as the pending cash terminal;

[0065] Initializing the set of cash terminals to be determined to be all the cash terminals to be determined, and initializing the set of cash terminals to be compared to be the cash terminal corresponding to the customer;

[0066] The following three steps are executed repeatedly until the set of cash terminals to be determined is empty:

[0067] Select the cash terminal a with the largest cash index (or the largest non-cash index) from the set of cash terminals to be determined, and perform a partial order comparison between this cash terminal a and each cash terminal b (except this cash terminal a) in the set of cash terminals to be compared based on the partial order of the cash terminals corresponding to the customer.

[0068] If cash terminal b is better than cash terminal a, then cash terminal a is deleted from the set of cash terminals to be determined; if cash terminal a is better than cash terminal b, then cash terminal b is deleted from the set of cash terminals to be determined, and cash terminal b is determined as the secondary cash terminal of cash terminal a;

[0069] If it is confirmed based on the partial order of the cash terminals corresponding to the customer that each cash terminal in the set of cash terminals to be compared except cash terminal a is not superior to cash terminal a, then cash terminal a is regarded as the maximum cash terminal, and cash terminal a is deleted from the set of cash terminals to be determined, and all secondary cash terminals of cash terminal a are deleted from the set of cash terminals to be compared.

[0070] According to the definition of the maximum element, it is necessary to compare the partial order comparison relationship between any two nodes, and the corresponding complexity is O(N 2 ), the bank has hundreds of millions of customers, and the number of transactions in cash terminals will be very large. Directly relying on the definition of maximum elements will consume a lot of computing resources. The calculation of the above embodiment can avoid overlap and unnecessary partial order comparisons, and the computational complexity is less than O(N 2 ), the above embodiment can save a lot of computing resources.

[0071] Figure 3 This is a flow chart of determining an indicator and an indicator convergence error by a bank server in an embodiment of the present invention. In one embodiment, when executing the step of determining, for each cash terminal corresponding to the customer, the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal, the bank server is specifically configured to:

[0072] S301, setting a cash transaction threshold and a non-cash transaction threshold;

[0073] S302: Divide the cash transaction data of the cash terminal into a plurality of cash data subsets of the cash terminal, and divide the non-cash transaction data of the cash terminal into a plurality of non-cash data subsets of the cash terminal, wherein the number of cash transactions included in each cash data subset is greater than a cash transaction threshold, and the number of non-cash transactions included in each non-cash data subset is greater than a non-cash transaction threshold;

[0074] S303: Using the proportion of cash transactions that do not involve risk in each cash data subset of the cash terminal as a cash indicator sample for the cash terminal, and using the proportion of non-cash transactions that do not involve risk in each non-cash data subset of the cash terminal as a non-cash indicator sample for the cash terminal;

[0075] S304: Determine, based on the cash indicator sample of the cash terminal, an indicator mean and an indicator variance corresponding to the cash indicator sample of the cash terminal; and determine, based on the non-cash indicator sample of the cash terminal, an indicator mean and an indicator variance corresponding to the non-cash indicator sample of the cash terminal;

[0076] S305: Determine the cash indicator corresponding to the cash terminal as the indicator mean value corresponding to the cash indicator samples of the cash terminal, and determine the non-cash indicator corresponding to the cash terminal as the indicator mean value corresponding to the non-cash indicator samples of the cash terminal;

[0077] S306, determine the cash indicator convergence error corresponding to the cash terminal as the ratio of the square of the indicator variance corresponding to the cash indicator samples of the cash terminal to the number of cash data subsets of the cash terminal, and determine the non-cash indicator convergence error corresponding to the cash terminal as the ratio of the square of the indicator variance corresponding to the non-cash indicator samples of the cash terminal to the number of non-cash data subsets of the cash terminal.

[0078] Figure 4 This is a flow chart of a bank server determining multiple cash terminals to be selected based on a large cash terminal according to an embodiment of the present invention. In one embodiment, when executing the step of determining multiple cash terminals to be selected corresponding to the customer based on the large cash terminal, the bank server is specifically configured to:

[0079] S401, taking the minimum value of the cash index corresponding to the maximum cash terminal as the cash index threshold;

[0080] S402, taking the minimum value of the non-cash indicator corresponding to the maximum cash terminal as the non-cash indicator threshold;

[0081] S403, for each cash terminal corresponding to the customer, if the cash indicator corresponding to the cash terminal is greater than or equal to the cash indicator threshold, and the non-cash indicator corresponding to the cash terminal is greater than or equal to the non-cash indicator threshold, and the cash indicator convergence error corresponding to the cash terminal is less than the first convergence threshold, and the non-cash indicator convergence error corresponding to the cash terminal is less than the second convergence threshold, then the cash terminal is used as the candidate cash terminal corresponding to the customer.

[0082] Figure 5 This is a flow chart of sorting cash terminals to be selected by a bank server in an embodiment of the present invention. In one embodiment, when executing the step of sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal, the bank server is specifically configured to:

[0083] S501: For each cash terminal to be selected corresponding to the customer, determine the priority coefficient of the cash terminal according to the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal, using the following formula:

[0084]

[0085] Among them, y i is the priority coefficient of the i-th cash terminal to be selected corresponding to the customer, are the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the i-th cash terminal to be selected for the customer, respectively. f is a 4-variable function. The partial derivatives of f with respect to the independent variables of the first and third dimensions are greater than or equal to 0, and the partial derivatives of f with respect to the independent variables of the second and fourth dimensions are less than or equal to 0, and f>0.

[0086] S502, sending the priority coefficient of each cash terminal to be selected corresponding to the customer to the customer's mobile terminal;

[0087] When executing the step of displaying the cash terminal to be selected on the user interface, the mobile terminal is specifically used to:

[0088] S503: Display the cash terminals to be selected on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer.

[0089] Figure 6 This is a flow chart of displaying cash terminals to be selected on a mobile terminal according to an embodiment of the present invention. In one embodiment, when performing the step of displaying the cash terminals to be selected on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer, the mobile terminal is specifically configured to:

[0090] S601, sorting each position of the user interface of the mobile terminal in descending order of priority coefficient;

[0091] S602: Execute the following steps in a loop until a cash terminal to be selected corresponding to each position of the user interface of the mobile terminal is determined (or each cash terminal to be selected has a corresponding position in the user interface of the mobile terminal determined):

[0092] S603, selecting the position with the highest ranking among the positions of the user interface of the mobile terminal for which the corresponding cash terminal to be selected has not been determined;

[0093] S604, selecting a cash terminal for selection whose corresponding position has not yet been determined as an optional cash terminal;

[0094] S605, sorting the optional cash terminals;

[0095] S606 , for each optional cash terminal, taking the sum of the priority coefficients of all optional cash terminals preceding the optional cash terminal in the ranking and the priority coefficient of the optional cash terminal as the priority number corresponding to the optional cash terminal;

[0096] S607, taking the sum of the priority coefficients of all optional cash terminals as s;

[0097] S608: The ratio of the priority number corresponding to each optional cash terminal to the sum of the priority coefficients of all optional cash terminals is used as the right end value corresponding to the optional cash terminal;

[0098] S609, generating a random number w using a mean distribution random number generator, wherein the range of the mean distribution random number generator is [0, 1];

[0099] S610, selecting the smallest right end value greater than w from the right end values ​​corresponding to the optional cash terminals;

[0100] S611 , selecting the optional cash terminal corresponding to the minimum right end value as the optional cash terminal corresponding to the frontmost position; and determining the position corresponding to the optional cash terminal as the frontmost position.

[0101] In one embodiment, when performing risk control on a customer's withdrawal transaction based on a biometric matching value, the cash terminal is specifically configured to:

[0102] When the biometric matching value is greater than or equal to the biometric identification threshold corresponding to the customer, the withdrawal threshold for this withdrawal transaction is determined based on the biometric matching value and the withdrawal threshold corresponding to the customer.

[0103] In one embodiment, when determining the withdrawal threshold for the current withdrawal transaction based on the biometric matching value and the withdrawal threshold corresponding to the customer, the cash terminal is specifically configured to:

[0104] Obtaining withdrawal transaction data for the customer category to which the customer belongs, and using the proportion of non-risk-related withdrawal transactions included in the withdrawal transaction data as a withdrawal safety indicator corresponding to the customer;

[0105] The difference between the biometric matching value and the biometric identification threshold corresponding to the customer is used as the biometric matching difference corresponding to the customer in this withdrawal transaction;

[0106] Acquire historical withdrawal transaction data, and use the historical withdrawal transaction data whose corresponding biometric matching difference in the acquired historical withdrawal transaction data is equal to the biometric matching difference corresponding to the current withdrawal transaction of the customer as the withdrawal transaction data to be selected; wherein, for each piece of historical withdrawal transaction data, the difference between the biometric matching value corresponding to the historical withdrawal transaction data and the biometric recognition threshold corresponding to the corresponding customer is used as the biometric matching difference corresponding to the historical withdrawal transaction data;

[0107] For each pending withdrawal transaction data, the difference between the withdrawal threshold of the customer corresponding to the pending withdrawal transaction data and the withdrawal amount corresponding to the pending withdrawal transaction data is used as the withdrawal amount difference corresponding to the pending withdrawal transaction data;

[0108] Classify the transaction data of the funds to be selected based on the corresponding withdrawal amount differences to obtain multiple subsets of the transaction data of the funds to be selected;

[0109] For each subset of withdrawal transaction data to be selected, the proportion of withdrawal transactions that do not involve risks among the withdrawal transactions included in the subset is used as the withdrawal safety index corresponding to the subset of withdrawal transaction data to be selected;

[0110] Selecting a subset of the withdrawal transaction data to be selected from the obtained plurality of withdrawal transaction data subsets, the subset of the withdrawal transaction data to be selected having a corresponding withdrawal security index less than or equal to the withdrawal security index corresponding to the customer;

[0111] Selecting the minimum withdrawal amount difference from the withdrawal amount differences corresponding to the selected subset of the withdrawal transaction data to be selected;

[0112] The withdrawal threshold for this withdrawal transaction is determined based on the difference in the minimum withdrawal amount and the withdrawal threshold corresponding to the customer.

[0113] In one embodiment, when performing risk control on a customer's withdrawal transaction based on a biometric matching value, the cash terminal is specifically configured to:

[0114] When the biometric matching value is less than the biometric identification threshold corresponding to the customer, the cash terminal rejects the withdrawal transaction.

[0115] In summary, in the system proposed in the embodiment of the present invention, the bank server is used to: receive a withdrawal reservation request sent by a customer through a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal; determine multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal; send the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; the mobile terminal is used to: display multiple cash terminals to be selected on the user interface, and receive the cash terminal selected by the customer from the multiple cash terminals to be selected; feedback the selected cash terminal to the bank server; the bank server is also used to: after receiving the cash terminal selected by the customer After selecting the cash terminal to be selected, the biometric data of the customer is sent to the edge computing system corresponding to the selected cash terminal; the cash terminal is used to: when the customer selects a withdrawal transaction on the cash terminal, and the cash terminal is the cash terminal selected by the customer, the collected biometric data of the customer is sent to the edge computing system corresponding to the cash terminal; the edge computing system is used to match the received biometric data of the customer with the biometric data of the customer stored in the edge computing system, and feed back the biometric matching value to the corresponding cash terminal; the cash terminal is also used to: perform risk control on the customer's withdrawal transaction based on the biometric matching value. Through the above process, customers can select cash terminals through mobile terminals to facilitate customers, and when handling cash transactions at the selected cash terminal, biometric data matching is performed through the edge computing system without occupying the resources of the cash terminal, thereby saving resources and achieving risk control.

[0116] The embodiment of the present invention further proposes a customer withdrawal risk control method, the principle of which is similar to that of the customer withdrawal risk control system and will not be described in detail here.

[0117] Figure 7 This is a flow chart of a customer withdrawal risk control method according to an embodiment of the present invention, which is applied to a bank server and includes:

[0118] S701, receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal;

[0119] S702, determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal;

[0120] S703: Sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; wherein the mobile terminal displays the multiple cash terminals to be selected on a user interface, receives the cash terminal selected by the customer from the multiple cash terminals to be selected, and feeds back the selected cash terminal;

[0121] S704, after receiving the cash terminal selected by the customer, sending the customer's biometric data to the edge computing system corresponding to the selected cash terminal;

[0122] Among them, when a customer selects a withdrawal transaction on a selected cash terminal, the selected cash terminal will send the collected biometric data of the customer to the edge computing system corresponding to the cash terminal; the edge computing system will match the received customer's biometric data with the customer's biometric data stored in the edge computing system, and feed back the biometric matching value to the corresponding cash terminal; the cash terminal will perform risk control on the customer's withdrawal transaction based on the biometric matching value.

[0123] In one embodiment, see Figure 2 , based on the received current location of the mobile terminal, determining multiple cash terminals to be selected corresponding to the customer, including:

[0124] S201, multiple cash terminals whose distances from the received current location of the mobile terminal are less than a specified threshold are used as cash terminals corresponding to the customer;

[0125] S202, obtaining cash transaction data and non-cash transaction data of the cash terminal corresponding to the customer;

[0126] S203, for each cash terminal corresponding to the customer, determining a cash indicator, a cash indicator convergence error, a non-cash indicator, and a non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal;

[0127] S204: Determine a partial order of cash terminals corresponding to the customer, where the partial order is used to determine whether a first cash terminal is superior to a second cash terminal among any two cash terminals corresponding to the customer; when the cash indicator corresponding to the first cash terminal is greater than or equal to the cash indicator corresponding to the second cash terminal, and the non-cash indicator corresponding to the first cash terminal is greater than or equal to the non-cash indicator corresponding to the second cash terminal, and the convergence error of the cash indicator corresponding to the first cash terminal is less than a first convergence threshold, and the convergence error of the non-cash indicator corresponding to the first cash terminal is less than a second convergence threshold, then determine that the first cash terminal is superior to the second cash terminal;

[0128] S205, determining multiple maximal elements of the partial order of the cash terminals corresponding to the customer, and using the multiple maximal elements as the maximal cash terminals;

[0129] S206: Determine multiple cash terminals to be selected corresponding to the customer based on the maximum number of cash terminals.

[0130] In one embodiment, see Figure 3For each cash terminal corresponding to the customer, determining the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal, including:

[0131] S301, setting a cash transaction threshold and a non-cash transaction threshold;

[0132] S302: Divide the cash transaction data of the cash terminal into a plurality of cash data subsets of the cash terminal, and divide the non-cash transaction data of the cash terminal into a plurality of non-cash data subsets of the cash terminal, wherein the number of cash transactions included in each cash data subset is greater than a cash transaction threshold, and the number of non-cash transactions included in each non-cash data subset is greater than a non-cash transaction threshold;

[0133] S303: Using the proportion of cash transactions that do not involve risk in each cash data subset of the cash terminal as a cash indicator sample for the cash terminal, and using the proportion of non-cash transactions that do not involve risk in each non-cash data subset of the cash terminal as a non-cash indicator sample for the cash terminal;

[0134] S304: Determine, based on the cash indicator sample of the cash terminal, an indicator mean and an indicator variance corresponding to the cash indicator sample of the cash terminal; and determine, based on the non-cash indicator sample of the cash terminal, an indicator mean and an indicator variance corresponding to the non-cash indicator sample of the cash terminal;

[0135] S305: Determine the cash indicator corresponding to the cash terminal as the indicator mean value corresponding to the cash indicator samples of the cash terminal, and determine the non-cash indicator corresponding to the cash terminal as the indicator mean value corresponding to the non-cash indicator samples of the cash terminal;

[0136] S306, determine the cash indicator convergence error corresponding to the cash terminal as the ratio of the square of the indicator variance corresponding to the cash indicator samples of the cash terminal to the number of cash data subsets of the cash terminal, and determine the non-cash indicator convergence error corresponding to the cash terminal as the ratio of the square of the indicator variance corresponding to the non-cash indicator samples of the cash terminal to the number of non-cash data subsets of the cash terminal.

[0137] In one embodiment, see Figure 4 , based on the maximum cash terminal, determine the multiple cash terminals corresponding to the customer to be selected, including:

[0138] S401, taking the minimum value of the cash index corresponding to the maximum cash terminal as the cash index threshold;

[0139] S402, taking the minimum value of the non-cash indicator corresponding to the maximum cash terminal as the non-cash indicator threshold;

[0140] S403, for each cash terminal corresponding to the customer, if the cash indicator corresponding to the cash terminal is greater than or equal to the cash indicator threshold, and the non-cash indicator corresponding to the cash terminal is greater than or equal to the non-cash indicator threshold, and the cash indicator convergence error corresponding to the cash terminal is less than the first convergence threshold, and the non-cash indicator convergence error corresponding to the cash terminal is less than the second convergence threshold, then the cash terminal is used as the candidate cash terminal corresponding to the customer.

[0141] In one embodiment, see Figure 5 , sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal, including:

[0142] S501: For each cash terminal to be selected corresponding to the customer, determine the priority coefficient of the cash terminal according to the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal, using the following formula:

[0143]

[0144] Among them, y i is the priority coefficient of the i-th cash terminal to be selected corresponding to the customer, are the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the i-th cash terminal to be selected for the customer, respectively. f is a 4-variable function. The partial derivatives of f with respect to the independent variables of the first and third dimensions are greater than or equal to 0, and the partial derivatives of f with respect to the independent variables of the second and fourth dimensions are less than or equal to 0, and f>0.

[0145] S502, sending the priority coefficient of each cash terminal to be selected corresponding to the customer to the customer's mobile terminal;

[0146] The mobile terminal executes S503 to display the cash terminals to be selected on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer.

[0147] In one embodiment, see Figure 6 , based on the priority coefficient of each cash terminal to be selected corresponding to the customer, displaying the cash terminals to be selected on the user interface, including:

[0148] S601, sorting each position of the user interface of the mobile terminal in descending order of priority coefficient;

[0149] S602: Execute the following steps in a loop until a cash terminal to be selected corresponding to each position of the user interface of the mobile terminal is determined (or each cash terminal to be selected has a corresponding position in the user interface of the mobile terminal determined):

[0150] S603, selecting the position with the highest ranking among the positions of the user interface of the mobile terminal for which the corresponding cash terminal to be selected has not been determined;

[0151] S604, selecting a cash terminal for selection whose corresponding position has not yet been determined as an optional cash terminal;

[0152] S605, sorting the optional cash terminals;

[0153] S606 , for each optional cash terminal, taking the sum of the priority coefficients of all optional cash terminals preceding the optional cash terminal in the ranking and the priority coefficient of the optional cash terminal as the priority number corresponding to the optional cash terminal;

[0154] S607, taking the sum of the priority coefficients of all optional cash terminals as s;

[0155] S608: The ratio of the priority number corresponding to each optional cash terminal to the sum of the priority coefficients of all optional cash terminals is used as the right end value corresponding to the optional cash terminal;

[0156] S609, generating a random number w using a mean distribution random number generator, wherein the range of the mean distribution random number generator is [0, 1];

[0157] S610, selecting the smallest right end value greater than w from the right end values ​​corresponding to the optional cash terminals;

[0158] S611 , selecting the optional cash terminal corresponding to the minimum right end value as the optional cash terminal corresponding to the frontmost position; and determining the position corresponding to the optional cash terminal as the frontmost position.

[0159] In one embodiment, risk control is performed on a customer's withdrawal transaction based on a biometric matching value, including:

[0160] When the biometric matching value is greater than or equal to the biometric identification threshold corresponding to the customer, the withdrawal threshold for this withdrawal transaction is determined based on the biometric matching value and the withdrawal threshold corresponding to the customer.

[0161] In one embodiment, when the biometric matching value is greater than or equal to the biometric identification threshold corresponding to the customer, determining the withdrawal threshold for the current withdrawal transaction based on the biometric matching value and the withdrawal threshold corresponding to the customer includes:

[0162] Obtaining withdrawal transaction data for the customer category to which the customer belongs, and using the proportion of non-risk-related withdrawal transactions included in the withdrawal transaction data as a withdrawal safety indicator corresponding to the customer;

[0163] The difference between the biometric matching value and the biometric identification threshold corresponding to the customer is used as the biometric matching difference corresponding to the customer in this withdrawal transaction;

[0164] Acquire historical withdrawal transaction data, and use the historical withdrawal transaction data whose corresponding biometric matching difference in the acquired historical withdrawal transaction data is equal to the biometric matching difference corresponding to the current withdrawal transaction of the customer as the withdrawal transaction data to be selected; wherein, for each piece of historical withdrawal transaction data, the difference between the biometric matching value corresponding to the historical withdrawal transaction data and the biometric recognition threshold corresponding to the corresponding customer is used as the biometric matching difference corresponding to the historical withdrawal transaction data;

[0165] For each pending withdrawal transaction data, the difference between the withdrawal threshold of the customer corresponding to the pending withdrawal transaction data and the withdrawal amount corresponding to the pending withdrawal transaction data is used as the withdrawal amount difference corresponding to the pending withdrawal transaction data;

[0166] Classify the transaction data of the funds to be selected based on the corresponding withdrawal amount differences to obtain multiple subsets of the transaction data of the funds to be selected;

[0167] For each subset of withdrawal transaction data to be selected, the proportion of withdrawal transactions that do not involve risks among the withdrawal transactions included in the subset is used as the withdrawal safety index corresponding to the subset of withdrawal transaction data to be selected;

[0168] Selecting a subset of the withdrawal transaction data to be selected from the obtained plurality of withdrawal transaction data subsets, the subset of the withdrawal transaction data to be selected having a corresponding withdrawal security index greater than or equal to the withdrawal security index corresponding to the customer;

[0169] Selecting the minimum withdrawal amount difference from the withdrawal amount differences corresponding to the selected subset of the withdrawal transaction data to be selected;

[0170] The withdrawal threshold for this withdrawal transaction is determined based on the difference in the minimum withdrawal amount and the withdrawal threshold corresponding to the customer.

[0171] In one embodiment, risk control is performed on a customer's withdrawal transaction based on a biometric matching value, including:

[0172] When the biometric matching value is less than the biometric identification threshold corresponding to the customer, the cash terminal rejects the withdrawal transaction.

[0173] To summarize, in the method proposed in an embodiment of the present invention, a withdrawal reservation request sent by a customer through a mobile terminal is received, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal; based on the received current location of the mobile terminal, multiple cash terminals to be selected corresponding to the customer are determined; the multiple cash terminals to be selected corresponding to the customer are sent to the customer's mobile terminal; wherein the mobile terminal displays multiple cash terminals to be selected on a user interface, receives a cash terminal selected by the customer from the multiple cash terminals to be selected, and feeds back the selected cash terminal; after receiving the cash terminal selected by the customer, the biometric data of the customer is sent to the edge computing system corresponding to the selected cash terminal; wherein, when the customer selects a withdrawal transaction on the selected cash terminal, the selected cash terminal sends the collected biometric data of the customer to the edge computing system corresponding to the cash terminal; the edge computing system matches the received biometric data of the customer with the biometric data of the customer stored in the edge computing system, and feeds back the biometric matching value to the corresponding cash terminal; the cash terminal performs risk control on the customer's withdrawal transaction based on the biometric matching value. Through the above process, customers can select cash terminals through mobile terminals for their convenience. When conducting cash transactions at the selected cash terminal, biometric data matching is performed through the edge computing system without occupying the resources of the cash terminal, thus saving resources and achieving risk control.

[0174] An embodiment of the present invention also provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned customer withdrawal risk control method is implemented.

[0175] An embodiment of the present invention further provides 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 above-mentioned customer withdrawal risk control method is implemented.

[0176] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the above-mentioned customer withdrawal risk control method.

[0177] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program service systems. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program service system 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.

[0178] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program business systems according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as combinations of processes and / or blocks in the flowchart and / or block diagram, 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 flowchart and / or block diagram. 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.

[0179] 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.

[0180] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating 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 The steps for the function specified in one or more boxes.

[0181] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A customer withdrawal risk control system, characterized in that: include: Bank servers, customer mobile terminals, cash terminals, and edge computing systems, among which, Bank servers for: receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal; Determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal; Sending multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; Mobile terminal for: Displaying a plurality of cash terminals to be selected on a user interface, and receiving a cash terminal selected by a customer from the plurality of cash terminals to be selected; Feedback the selected cash terminal to the bank server; Bank servers are also used to: After receiving the cash terminal selected by the customer, the customer's biometric data is sent to the edge computing system corresponding to the selected cash terminal; Cash terminals for: When a customer selects a cash withdrawal transaction on a cash terminal, and the cash terminal is the cash terminal selected by the customer, the collected biometric data of the customer is sent to the edge computing system corresponding to the cash terminal; Edge computing systems for: Matching the received customer's biometric data with the customer's biometric data stored in the edge computing system, and feeding back the biometric matching value to the corresponding cash terminal; Cash terminals are also used to: perform risk control on customers’ withdrawal transactions based on biometric matching values; When performing the step of determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal, the bank server is specifically configured to: multiple cash terminals whose distances from the received current location of the mobile terminal are less than a specified threshold are used as cash terminals corresponding to the customer; Obtain cash transaction data and non-cash transaction data of the cash terminal corresponding to the customer; For each cash terminal corresponding to the customer, determining a cash indicator, a cash indicator convergence error, a non-cash indicator, and a non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal; Determine a partial order of cash terminals corresponding to the customer, where the partial order is used to determine whether a first cash terminal is superior to a second cash terminal among any two cash terminals corresponding to the customer; when a cash indicator corresponding to the first cash terminal is greater than or equal to a cash indicator corresponding to the second cash terminal, and a non-cash indicator corresponding to the first cash terminal is greater than or equal to a non-cash indicator corresponding to the second cash terminal, and a convergence error of a cash indicator corresponding to the first cash terminal is less than a first convergence threshold, and a convergence error of a non-cash indicator corresponding to the first cash terminal is less than a second convergence threshold, then determine that the first cash terminal is superior to the second cash terminal; Determine multiple maximal elements of a partial order of cash terminals corresponding to the customer, and use the multiple maximal elements as the maximal cash terminals; a maximal element of a partial order is one in which no other element other than the maximal element exists in the set corresponding to the partial order, such that the other element is superior to the maximal element; Determine multiple cash terminals to be selected corresponding to the customer based on the maximum cash terminal; When executing the step of determining the cash indicator, cash indicator convergence error, non-cash indicator and non-cash indicator convergence error corresponding to each cash terminal corresponding to the customer based on the cash transaction data and non-cash transaction data of the cash terminal, the bank server is specifically used to: set a cash transaction threshold and a non-cash transaction threshold; divide the cash transaction data of the cash terminal into multiple cash data subsets of the cash terminal, and divide the non-cash transaction data of the cash terminal into multiple non-cash data subsets of the cash terminal, wherein the number of cash transactions contained in each cash data subset is greater than the cash transaction threshold, and the number of non-cash transactions contained in each non-cash data subset is greater than the non-cash transaction threshold; use the proportion of cash transactions that do not involve risks in the cash transactions contained in each cash data subset of the cash terminal as the cash indicator sample of the cash terminal, and use the proportion of non-cash transactions contained in each non-cash data subset of the cash terminal as the cash indicator sample of the cash terminal. The proportion of non-cash transactions that do not involve risks is used as the non-cash indicator sample of the cash terminal; based on the cash indicator sample of the cash terminal, the indicator mean and indicator variance corresponding to the cash indicator sample of the cash terminal are determined; based on the non-cash indicator sample of the cash terminal, the indicator mean and indicator variance corresponding to the non-cash indicator sample of the cash terminal are determined; the cash indicator corresponding to the cash terminal is determined as the indicator mean corresponding to the cash indicator sample of the cash terminal, and the non-cash indicator corresponding to the cash terminal is determined as the indicator mean corresponding to the non-cash indicator sample of the cash terminal; the cash indicator convergence error corresponding to the cash terminal is determined as the ratio of the square of the indicator variance corresponding to the cash indicator sample of the cash terminal to the number of cash data subsets of the cash terminal, and the non-cash indicator convergence error corresponding to the cash terminal is determined as the ratio of the square of the indicator variance corresponding to the non-cash indicator sample of the cash terminal to the number of non-cash data subsets of the cash terminal.

2. The system according to claim 1, wherein When executing the step of determining multiple cash terminals to be selected corresponding to the customer based on the maximum number of cash terminals, the bank server is specifically configured to: The minimum value of the cash index corresponding to the maximum cash terminal is used as the cash index threshold; The minimum value of the non-cash indicator corresponding to the maximum cash terminal is used as the non-cash indicator threshold; For each cash terminal corresponding to the customer, if the cash indicator corresponding to the cash terminal is greater than or equal to the cash indicator threshold, and the non-cash indicator corresponding to the cash terminal is greater than or equal to the non-cash indicator threshold, and the cash indicator convergence error corresponding to the cash terminal is less than the first convergence threshold, and the non-cash indicator convergence error corresponding to the cash terminal is less than the second convergence threshold, then the cash terminal will be selected as the cash terminal corresponding to the customer.

3. The system according to claim 1, wherein: When executing the step of sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal, the bank server is specifically configured to: For each cash terminal to be selected corresponding to the customer, the priority coefficient of the cash terminal is determined according to the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal according to the following formula: Among them, y i is the priority coefficient of the i-th cash terminal to be selected corresponding to the customer, are the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the i-th cash terminal to be selected for the customer, respectively. f is a 4-variable function. The partial derivatives of f with respect to the independent variables of the first and third dimensions are greater than or equal to 0, and the partial derivatives of f with respect to the independent variables of the second and fourth dimensions are less than or equal to 0, and f>

0. Sending the priority coefficient of each cash terminal to be selected corresponding to the customer to the customer's mobile terminal; When executing the step of displaying the cash terminal to be selected on the user interface, the mobile terminal is specifically used to: The cash terminals to be selected are displayed on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer.

4. The system according to claim 3, wherein: When executing the step of displaying the cash terminals to be selected on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer, the mobile terminal is specifically configured to: sorting each position of the user interface of the mobile terminal in descending order of priority coefficient; The following steps are executed in a loop until a cash terminal to be selected corresponding to each position of the user interface of the mobile terminal is determined (or each cash terminal to be selected has a corresponding position in the user interface of the mobile terminal determined): Selecting the position with the highest ranking from the positions of the user interface of the mobile terminal for which the corresponding cash terminal to be selected has not been determined; The cash terminal to be selected whose corresponding position has not been determined is used as an optional cash terminal; Sort the optional cash terminals; For each optional cash terminal, the priority number corresponding to the optional cash terminal is the sum of the priority coefficients of all optional cash terminals preceding the optional cash terminal in the ranking and the priority coefficient of the optional cash terminal; The sum of the priority coefficients of all optional cash terminals is taken as s; The ratio of the priority number corresponding to each optional cash terminal to the sum of the priority coefficients of all optional cash terminals is used as the right end value corresponding to the optional cash terminal; Generate a random number w using a mean-distributed random number generator, where the range of the mean-distributed random number generator is [0, 1]. Select the smallest right-hand side value greater than w from the right-hand side values ​​corresponding to the optional cash terminals; The optional cash terminal corresponding to the minimum right end value is used as the optional cash terminal corresponding to the frontmost position; and the position corresponding to the optional cash terminal is determined as the frontmost position.

5. The system according to claim 1, wherein: When performing risk control on a customer's withdrawal transaction based on a biometric matching value, the cash terminal is specifically used to: When the biometric matching value is greater than or equal to the biometric identification threshold corresponding to the customer, the withdrawal threshold for this withdrawal transaction is determined based on the biometric matching value and the withdrawal threshold corresponding to the customer.

6. The system according to claim 1, wherein: When performing risk control on a customer's withdrawal transaction based on a biometric matching value, the cash terminal is specifically used to: When the biometric matching value is less than the biometric identification threshold corresponding to the customer, the cash terminal rejects the withdrawal transaction.

7. A customer withdrawal risk control method, characterized in that: include: receiving a withdrawal reservation request sent by a customer via a mobile terminal, wherein the withdrawal reservation request includes the customer's account number and the current location of the mobile terminal; Determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal; Sending the multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal; wherein the mobile terminal displays the multiple cash terminals to be selected on a user interface, receives the cash terminal selected by the customer from the multiple cash terminals to be selected, and feeds back the selected cash terminal; After receiving the cash terminal selected by the customer, the customer's biometric data is sent to the edge computing system corresponding to the selected cash terminal; When a customer selects a withdrawal transaction on a selected cash terminal, the selected cash terminal sends the collected biometric data of the customer to the edge computing system corresponding to the cash terminal; the edge computing system matches the received biometric data of the customer with the biometric data of the customer stored in the edge computing system, and feeds back the biometric matching value to the corresponding cash terminal; the cash terminal performs risk control on the customer's withdrawal transaction based on the biometric matching value; Determining multiple cash terminals to be selected corresponding to the customer based on the received current location of the mobile terminal, including: multiple cash terminals whose distances from the received current location of the mobile terminal are less than a specified threshold are used as cash terminals corresponding to the customer; Obtain cash transaction data and non-cash transaction data of the cash terminal corresponding to the customer; For each cash terminal corresponding to the customer, determining a cash indicator, a cash indicator convergence error, a non-cash indicator, and a non-cash indicator convergence error corresponding to the cash terminal based on the cash transaction data and non-cash transaction data of the cash terminal; Determine a partial order of cash terminals corresponding to the customer, where the partial order is used to determine whether a first cash terminal is superior to a second cash terminal among any two cash terminals corresponding to the customer; when a cash indicator corresponding to the first cash terminal is greater than or equal to a cash indicator corresponding to the second cash terminal, and a non-cash indicator corresponding to the first cash terminal is greater than or equal to a non-cash indicator corresponding to the second cash terminal, and a convergence error of a cash indicator corresponding to the first cash terminal is less than a first convergence threshold, and a convergence error of a non-cash indicator corresponding to the first cash terminal is less than a second convergence threshold, then determine that the first cash terminal is superior to the second cash terminal; Determine multiple maximal elements of a partial order of cash terminals corresponding to the customer, and use the multiple maximal elements as the maximal cash terminals; a maximal element of a partial order is one in which no other element other than the maximal element exists in the set corresponding to the partial order, such that the other element is superior to the maximal element; Determine multiple cash terminals to be selected corresponding to the customer based on the maximum cash terminal; For each cash terminal corresponding to the customer, the cash indicator, cash indicator convergence error, non-cash indicator and non-cash indicator convergence error corresponding to the cash terminal are determined based on the cash transaction data and non-cash transaction data of the cash terminal, including: setting a cash transaction threshold and a non-cash transaction threshold; dividing the cash transaction data of the cash terminal into multiple cash data subsets of the cash terminal, and dividing the non-cash transaction data of the cash terminal into multiple non-cash data subsets of the cash terminal, wherein the number of cash transactions contained in each cash data subset is greater than the cash transaction threshold, and the number of non-cash transactions contained in each non-cash data subset is greater than the non-cash transaction threshold; taking the proportion of cash transactions that do not involve risks in the cash transactions contained in each cash data subset of the cash terminal as the cash indicator sample of the cash terminal, and taking the proportion of non-cash transactions that do not involve risks in the non-cash transactions contained in each non-cash data subset of the cash terminal as the cash indicator sample of the cash terminal. The proportion of cash transactions is used as the non-cash indicator sample of the cash terminal; based on the cash indicator sample of the cash terminal, the indicator mean and indicator variance corresponding to the cash indicator sample of the cash terminal are determined; based on the non-cash indicator sample of the cash terminal, the indicator mean and indicator variance corresponding to the non-cash indicator sample of the cash terminal are determined; the cash indicator corresponding to the cash terminal is determined as the indicator mean corresponding to the cash indicator sample of the cash terminal, and the non-cash indicator corresponding to the cash terminal is determined as the indicator mean corresponding to the non-cash indicator sample of the cash terminal; the cash indicator convergence error corresponding to the cash terminal is determined as the ratio of the square of the indicator variance corresponding to the cash indicator sample of the cash terminal to the number of cash data subsets of the cash terminal, and the non-cash indicator convergence error corresponding to the cash terminal is determined as the ratio of the square of the indicator variance corresponding to the non-cash indicator sample of the cash terminal to the number of non-cash data subsets of the cash terminal.

8. The method according to claim 7, wherein Based on the maximum cash terminal, multiple cash terminals to be selected corresponding to the customer are determined, including: The minimum value of the cash index corresponding to the maximum cash terminal is used as the cash index threshold; The minimum value of the non-cash indicator corresponding to the maximum cash terminal is used as the non-cash indicator threshold; For each cash terminal corresponding to the customer, if the cash indicator corresponding to the cash terminal is greater than or equal to the cash indicator threshold, and the non-cash indicator corresponding to the cash terminal is greater than or equal to the non-cash indicator threshold, and the cash indicator convergence error corresponding to the cash terminal is less than the first convergence threshold, and the non-cash indicator convergence error corresponding to the cash terminal is less than the second convergence threshold, then the cash terminal will be selected as the cash terminal corresponding to the customer.

9. The method according to claim 7, wherein Sending multiple cash terminals to be selected corresponding to the customer to the customer's mobile terminal includes: For each cash terminal to be selected corresponding to the customer, the priority coefficient of the cash terminal is determined according to the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the cash terminal according to the following formula: Among them, y i is the priority coefficient of the i-th cash terminal to be selected corresponding to the customer, are the cash indicator, cash indicator convergence error, non-cash indicator, and non-cash indicator convergence error corresponding to the i-th cash terminal to be selected for the customer, respectively. f is a 4-variable function. The partial derivatives of f with respect to the independent variables of the first and third dimensions are greater than or equal to 0, and the partial derivatives of f with respect to the independent variables of the second and fourth dimensions are less than or equal to 0, and f>

0. Sending the priority coefficient of each cash terminal to be selected corresponding to the customer to the customer's mobile terminal; The mobile terminal displays the cash terminals to be selected on the user interface according to the priority coefficient of each cash terminal to be selected corresponding to the customer.

10. The method according to claim 9, wherein Based on the priority coefficient of each cash terminal to be selected corresponding to the customer, the cash terminals to be selected are displayed on the user interface, including: sorting each position of the user interface of the mobile terminal in descending order of priority coefficient; The following steps are executed in a loop until the cash terminal to be selected corresponding to each position of the user interface of the mobile terminal is determined: Selecting the position with the highest ranking from the positions of the user interface of the mobile terminal for which the corresponding cash terminal to be selected has not been determined; The cash terminal to be selected whose corresponding position has not been determined is used as an optional cash terminal; Sort the optional cash terminals; For each optional cash terminal, the priority number corresponding to the optional cash terminal is the sum of the priority coefficients of all optional cash terminals preceding the optional cash terminal in the ranking and the priority coefficient of the optional cash terminal; The sum of the priority coefficients of all optional cash terminals is taken as s; The ratio of the priority number corresponding to each optional cash terminal to the sum of the priority coefficients of all optional cash terminals is used as the right end value corresponding to the optional cash terminal; Generate a random number w using a mean-distributed random number generator, where the range of the mean-distributed random number generator is [0, 1]. Select the smallest right-hand side value greater than w from the right-hand side values ​​corresponding to the optional cash terminals; The optional cash terminal corresponding to the minimum right end value is used as the optional cash terminal corresponding to the frontmost position; and the position corresponding to the optional cash terminal is determined as the frontmost position.

11. The method according to claim 7, wherein Risk control of customer withdrawal transactions based on biometric matching values, including: When the biometric matching value is greater than or equal to the biometric identification threshold corresponding to the customer, the withdrawal threshold for this withdrawal transaction is determined based on the biometric matching value and the withdrawal threshold corresponding to the customer.

12. The method according to claim 7, wherein Risk control of customer withdrawal transactions based on biometric matching values, including: When the biometric matching value is less than the biometric identification threshold corresponding to the customer, the cash terminal rejects the withdrawal transaction.

13. 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 7 to 12 is implemented.

14. 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 7 to 12 is implemented.

15. 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 7 to 12 is implemented.

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