Method and device for controlling cash in bank

Abstract

The present invention provides a method and device for controlling cash in a bank, which is applied to the field of financial technology. The method comprises: numbering multiple time ranges before the current time; for each number, determining the cash vector of the number of each cash terminal at the current time; for each set historical time, numbering multiple time ranges before the historical time; for each number, determining the cash vector of the number of each cash terminal at the historical time; using the cash vectors of each number of the cash terminal at the historical time as the cash vectors of each number of the combination of the cash terminal and the historical time; determining the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal; determining the cash vector of the time range after the current time of the cash terminal; and determining the cash scheduling of the time range after the current time of the cash terminal. The present invention can realize the cash management of cash terminals.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a method and device for controlling cash in a bank. Background Art

[0002] Currently, cash at bank branches is managed manually. Without meeting customer needs, as much cash as possible is prepared in advance to meet the needs of branch customers. This management method lacks the support of actual needs, and cash will be idle for a long time or there will be insufficient cash. In other words, there is currently a lack of an effective method for cash management to control the above risks. Summary of the invention

[0003] The embodiment of the present invention provides a method for controlling cash in a bank, so as to realize cash management of a cash terminal. The method includes:

[0004] Obtain transaction data from multiple cash terminals of a bank;

[0005] Number multiple time ranges before the current time;

[0006] For each number, determine the cash vector of the number for each cash terminal at the current time;

[0007] For each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one;

[0008] For each number, determine the cash vector of the number for each cash terminal at the historical time;

[0009] For each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time;

[0010] Determine the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal according to the cash vector;

[0011] For each cash terminal, determine a cash vector of the cash terminal in a time range after the current time based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal;

[0012] The cash scheduling of each cash terminal in the time range after the current time is determined according to the cash vector of the cash terminal in the time range after the current time.

[0013] The embodiment of the present invention provides a device for controlling cash in a bank, which is used to implement cash management of a cash terminal. The device includes:

[0014] A transaction data acquisition module is used to acquire transaction data of multiple cash terminals of the bank;

[0015] A first numbering module, used for numbering multiple time ranges before the current time;

[0016] A first cash vector determination module, for determining, for each number, a cash vector of the number of each cash terminal at a current time;

[0017] The first numbering module is further used to: for each set historical time, number multiple time ranges before the historical time, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one;

[0018] The second cash vector determination module is further used to: for each serial number, determine the cash vector of the serial number of each cash terminal at the historical time;

[0019] A combined cash vector determination module is used for, for each cash terminal and each historical time, using the cash vectors of each number of the cash terminal at the historical time as the cash vectors of each number of the combination of the cash terminal and the historical time;

[0020] A historical time determination module for a reference cash terminal is used to determine a reference cash terminal for each cash terminal and a historical time corresponding to the reference cash terminal based on a cash vector;

[0021] A cash vector determination module after the current time, used to determine, for each cash terminal, a cash vector of the cash terminal in a time range after the current time based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal;

[0022] The cash call determination module after the current time is used to determine the cash scheduling of the cash terminal in the time range after the current time according to the cash vector of each cash terminal in the time range after the current time.

[0023] An embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned method of controlling cash by a bank 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 method for controlling cash by a bank is implemented.

[0025] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for controlling cash by a bank is implemented.

[0026] In an embodiment of the present invention, transaction data of multiple cash terminals of a bank are obtained; multiple time ranges before a current time are numbered; for each number, a cash vector of the number of each cash terminal at the current time is determined; for each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one; for each number, a cash vector of the number of each cash terminal at the historical time is determined; for each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time; based on the cash vector, a reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal are determined; for each cash terminal, based on the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal, the cash vector of the cash terminal in the time range after the current time is determined; based on the cash vector of each cash terminal in the time range after the current time, the cash scheduling of the cash terminal in the time range after the current time is determined. In the above process, by defining the current time and the historical time, and determining the corresponding cash vector, the cash scheduling of the cash terminal within the time range after the current time can be finally realized. 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 use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0028] Figure 1 A flow chart of a method for controlling cash by a bank in an embodiment of the present invention;

[0029] Figure 2 It is a flow chart of determining the cash vector of the number of each cash terminal at the current time in an embodiment of the present invention;

[0030] Figure 3 A flowchart of determining a cash vector of a number of each cash terminal at a historical time in an embodiment of the present invention;

[0031] Figure 4A flowchart for determining a reference cash terminal for each cash terminal and a historical time corresponding to the reference cash terminal in an embodiment of the present invention;

[0032] Figure 5 A flowchart of determining a partial order of a combination of a cash terminal and historical time corresponding to a cash terminal in an embodiment of the present invention;

[0033] Figure 6 A flowchart of determining a cash vector of a cash terminal in a time range after the current time in an embodiment of the present invention;

[0034] Figure 7 A flowchart of determining cash scheduling of a cash terminal within a time range after the current time in an embodiment of the present invention;

[0035] Figure 8 It is a schematic diagram of a device for controlling cash in a bank according to an embodiment of the present invention. DETAILED DESCRIPTION

[0036] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with 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.

[0037] 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 representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may 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.

[0038] Figure 1 FIG. 1 is a flow chart of a method for controlling cash by a bank in an embodiment of the present invention. Figure 1 As shown, including:

[0039] Step 101, obtaining transaction data of multiple cash terminals of a bank;

[0040] Step 102, numbering multiple time ranges before the current time;

[0041] Step 103, for each number, determine the cash vector of the number of each cash terminal at the current time;

[0042] Step 104: for each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one;

[0043] Step 105, for each number, determine the cash vector of the number of each cash terminal at the historical time;

[0044] Step 106, for each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time;

[0045] Step 107, determining a reference cash terminal of each cash terminal and a historical time corresponding to the reference cash terminal according to the cash vector;

[0046] Step 108, for each cash terminal, determine a cash vector of the cash terminal in a time range after the current time based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal;

[0047] Step 109: Determine the cash scheduling of each cash terminal in the time range after the current time according to the cash vector of the cash terminal in the time range after the current time.

[0048] Figure 2 The flowchart of determining the cash vector of the number of each cash terminal at the current time in an embodiment of the present invention is as follows. In one embodiment, for each number, determining the cash vector of the number of each cash terminal at the current time includes:

[0049] Step 201, for each cash terminal, obtaining cash transaction data of the cash terminal;

[0050] Step 202, for each number, according to the cash transaction data of the cash terminal in the time range corresponding to the number, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the number;

[0051] Step 203, sets the cash vector of the number of the cash terminal at the current time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

[0052] Figure 3The flowchart of determining the cash vector of the number of each cash terminal at a historical time in an embodiment of the present invention, in one embodiment, for each number, determining the cash vector of the number of each cash terminal at the historical time includes:

[0053] Step 301, for each cash terminal, obtaining cash transaction data of the cash terminal;

[0054] Step 302, for each historical time, according to the cash transaction data of the time range corresponding to each number of the cash terminal in the historical time, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the number;

[0055] Step 303, sets the cash vector of each number of the cash terminal in the historical time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

[0056] Figure 4 The flowchart of determining the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal in an embodiment of the present invention, in one embodiment, determining the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal according to the cash vector includes:

[0057] Step 401, determining a partial order of combinations of cash terminals and historical times corresponding to the cash terminal according to the cash vector, wherein the partial order is used to determine whether a first combination of any two combinations of cash terminals and historical times is closer to a second combination;

[0058] Step 402, determining a maximum combination of the partial order based on the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, wherein the maximum combination is a maximum element of the partial order;

[0059] Step 403: Determine the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal according to the maximum combination.

[0060] For example, for each maximum combination, the cash terminal corresponding to the maximum combination is used as the reference cash terminal of the cash terminal, and the historical time corresponding to the maximum combination is used as the historical time corresponding to the reference cash terminal.

[0061] Figure 5 The flowchart of determining the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal in an embodiment of the present invention, in one embodiment, determining the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal according to the cash vector includes:

[0062] Step 501, for each combination of a cash terminal and a historical time, determine the distance between each numbered cash vector of the cash terminal at the current time and the cash vector of the corresponding number of the cash terminal corresponding to the combination at the historical time corresponding to the combination, and use the distance as the distance of the combination corresponding to the number;

[0063] Step 502: for any combination of two cash terminals and historical times, if for each serial number, the distance between the first combination of the two combinations and the serial number is less than or equal to the distance between the second combination of the two combinations and the serial number, then the first combination is determined to be closer to the second combination.

[0064] In one embodiment, according to the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, determining the maximum combination of the partial order includes:

[0065] Initializing the first terminal time combination and the second terminal time combination to all combinations of cash terminals and historical times;

[0066] Select a number;

[0067] The following three steps are executed repeatedly until the first terminal time combination is empty:

[0068] A terminal time combination a with the smallest distance to the selected number is taken out from the first terminal time combination, and a partial order comparison is performed between the terminal time combination a and each terminal time combination b (except the terminal time combination a) in the second terminal time combination according to the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal;

[0069] If the terminal time combination b is closer to the terminal time combination a, the terminal time combination a is deleted from the first terminal time combination; if the terminal time combination a is closer to the terminal time combination b, the terminal time combination b is deleted from the first terminal time combination, and the terminal time combination b is determined as the secondary terminal time combination of the terminal time combination a;

[0070] If, based on the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, it is confirmed that each payment transaction set in the second terminal time combination except the terminal time combination a is not close to the terminal time combination a, then the terminal time combination a is regarded as the maximum combination, and the terminal time combination a is deleted from the first terminal time combination, and all secondary terminal time combinations of the terminal time combination a are deleted from the second terminal time combination.

[0071] Figure 6The flowchart of determining a cash vector of a cash terminal in a time range after a current time in an embodiment of the present invention, in one embodiment, for each cash terminal, determining a cash vector of the cash terminal in a time range after a current time according to a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal, includes:

[0072] Step 601, for each reference cash terminal of the cash terminal, determine the withdrawal amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the withdrawal amount as the withdrawal amount sample of the cash terminal; and determine the deposit amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the deposit amount as the deposit amount sample of the cash terminal;

[0073] Step 602, determining the withdrawal amount of the cash terminal in a time range after the current time based on the withdrawal amount sample of the cash terminal, and determining the deposit amount of the cash terminal in a time range after the current time based on the deposit amount sample of the cash terminal;

[0074] Step 603, determine the cash vector of the cash terminal in the time range after the current time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range after the current time, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range after the current time.

[0075] Figure 7 The flowchart of determining cash scheduling of a cash terminal in a time range after the current time in an embodiment of the present invention, in one embodiment, determining the cash scheduling of the cash terminal in a time range after the current time according to the cash vector of each cash terminal in the time range after the current time includes:

[0076] Step 701, obtaining the amount of cash stored in the cash terminal at the current time;

[0077] Step 702, determining the cash amount of the cash terminal in the time range after the current time according to the cash vector of the cash terminal in the time range after the current time;

[0078] Step 703: Determine the cash scheduling of the cash terminal in the time range after the current time according to the amount of cash stored in the cash terminal at the current time and the amount of cash in the cash terminal in the time range after the current time.

[0079] In one embodiment, the method further comprises:

[0080] For each cash terminal, obtaining cash transaction data of a reference cash terminal of the cash terminal;

[0081] Determine the cash risk factor and the non-cash risk factor of the reference cash terminal based on the transaction data of each reference cash terminal of the cash terminal;

[0082] A risk control method for the cash terminal in a time range after the current time is determined based on the cash risk coefficients and non-cash risk coefficients of each reference cash terminal of the cash terminal.

[0083] In one embodiment, a risk control method for determining a time range after a current time of the cash terminal based on cash risk coefficients and non-cash risk coefficients of each reference cash terminal of the cash terminal includes:

[0084] For each reference cash terminal of the cash terminal, the priority left endpoint of the reference cash terminal is determined according to the cash risk coefficient and the non-cash risk coefficient of each reference cash terminal, wherein the priority left endpoint of the reference cash terminal is determined according to the following method:

[0085]

[0086] l i is the priority left endpoint of the i-th reference cash terminal of the cash terminal, and and are the cash risk coefficient and non-cash risk coefficient of the kth reference cash terminal of the cash terminal, respectively. and are the cash risk coefficient and non-cash risk coefficient of the j-th reference cash terminal of the cash terminal, respectively; f is a real-valued function with a value greater than 0, and its partial derivatives with respect to the first and second independent variables are both less than 0;

[0087] For each transaction of the cash terminal in a time range after the current time, a random number is generated based on a random number generator, wherein the random number generator satisfies a uniform distribution with a value range of [0,1];

[0088] Select the maximum priority left endpoint that is smaller than the random number from the priority left endpoints of the reference cash terminal of the cash terminal;

[0089] The transaction is risk controlled according to the risk control method of the reference cash terminal corresponding to the maximum priority left endpoint within the time range after the historical time corresponding to the reference cash terminal.

[0090] In summary, in the method proposed in the embodiment of the present invention, the transaction data of multiple cash terminals of the bank are obtained; multiple time ranges before the current time are numbered; for each number, the cash vector of the number of each cash terminal at the current time is determined; for each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one; for each number, the cash vector of the number of each cash terminal at the historical time is determined; for each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time; based on the cash vector, the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal are determined; for each cash terminal, based on the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal, the cash vector of the time range after the current time is determined; based on the cash vector of each cash terminal in the time range after the current time, the cash scheduling of the cash terminal in the time range after the current time is determined. In the above process, by defining the current time and the historical time, and determining the corresponding cash vector, the cash scheduling of the cash terminal within the time range after the current time can be finally realized.

[0091] Figure 8 The schematic diagram of the device for controlling cash in a bank according to an embodiment of the present invention includes:

[0092] The transaction data acquisition module 801 is used to acquire transaction data of multiple cash terminals of the bank;

[0093] A first numbering module 802, used to number multiple time ranges before the current time;

[0094] A first cash vector determination module 803 is used to determine, for each number, a cash vector of the number of each cash terminal at the current time;

[0095] A second numbering module 804 is used to number multiple time ranges before each set historical time, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time in a one-to-one correspondence;

[0096] A second cash vector determination module 805 is used to determine, for each number, a cash vector of the number of each cash terminal at the historical time;

[0097] A combined cash vector determination module 806 is used for, for each cash terminal and each historical time, using the cash vectors of each number of the cash terminal at the historical time as the cash vectors of each number of the combination of the cash terminal and the historical time;

[0098] A historical time determination module 807 for a reference cash terminal is used to determine a reference cash terminal for each cash terminal and a historical time corresponding to the reference cash terminal according to the cash vector;

[0099] A cash vector determination module 808 after the current time is used to determine, for each cash terminal, a cash vector of the cash terminal in a time range after the current time according to a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal;

[0100] The cash call determination module 809 after the current time is used to determine the cash scheduling of the cash terminal in the time range after the current time according to the cash vector of each cash terminal in the time range after the current time.

[0101] In one embodiment, the first cash vector determination module is specifically configured to:

[0102] For each cash terminal, obtaining cash transaction data of the cash terminal;

[0103] For each serial number, based on the cash transaction data of the cash terminal in the time range corresponding to the serial number, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the serial number;

[0104] Set the cash vector of the cash terminal at the current time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

[0105] In one embodiment, the second cash vector determination module is specifically configured to:

[0106] For each cash terminal, obtaining cash transaction data of the cash terminal;

[0107] For each historical time, according to the cash transaction data of the time range corresponding to each number of the cash terminal in the historical time, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the number;

[0108] Set a cash vector for each number of the cash terminal at the historical time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

[0109] In one embodiment, the historical time determination module of the reference cash terminal is specifically used for:

[0110] Determine, according to the cash vector, a partial order of combinations of cash terminals and historical times corresponding to the cash terminal, wherein the partial order is used to determine whether a first combination of any two combinations of cash terminals and historical times is closer to a second combination;

[0111] According to the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, determine the maximum combination of the partial order, wherein the maximum combination is the maximum element of the partial order;

[0112] Based on the maximum combination, the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal are determined.

[0113] In one embodiment, the historical time determination module of the reference cash terminal is specifically used for:

[0114] For each combination of cash terminal and historical time, determine the distance between each numbered cash vector of the cash terminal at the current time and the cash vector of the corresponding number of the cash terminal corresponding to the combination at the historical time corresponding to the combination, and use the distance as the distance of the combination corresponding to the number;

[0115] For any combination of two cash terminals and historical times, if for each number, the distance between the first combination and the number is less than or equal to the distance between the second combination and the number, then the first combination is determined to be closer to the second combination.

[0116] In one embodiment, the cash vector determination module after the current time is specifically used to:

[0117] For each reference cash terminal of the cash terminal, determine the withdrawal amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the withdrawal amount as the withdrawal amount sample of the cash terminal; and determine the deposit amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the deposit amount as the deposit amount sample of the cash terminal;

[0118] Determine the withdrawal amount of the cash terminal in a time range after the current time based on the withdrawal amount sample of the cash terminal, and determine the deposit amount of the cash terminal in a time range after the current time based on the deposit amount sample of the cash terminal;

[0119] Determine a cash vector of the cash terminal in a time range after the current time, wherein a component value of a first component of the cash vector is equal to a withdrawal amount of the cash terminal in a time range after the current time, and a component value of a second component of the cash vector is equal to a deposit amount of the cash terminal in a time range after the current time.

[0120] In one embodiment, the cash call determination module after the current time is specifically used to:

[0121] Get the amount of cash stored in the cash terminal at the current time;

[0122] Determine the cash amount of the cash terminal in the time range after the current time according to the cash vector of the cash terminal in the time range after the current time;

[0123] The cash scheduling of the cash terminal in the time range after the current time is determined based on the amount of cash stored in the cash terminal at the current time and the amount of cash in the cash terminal in the time range after the current time.

[0124] In summary, in the device proposed in the embodiment of the present invention, the transaction data of multiple cash terminals of the bank are obtained; multiple time ranges before the current time are numbered; for each number, the cash vector of the number of each cash terminal at the current time is determined; for each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one; for each number, the cash vector of the number of each cash terminal at the historical time is determined; for each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time; based on the cash vector, the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal are determined; for each cash terminal, based on the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal, the cash vector of the time range after the current time is determined; based on the cash vector of each cash terminal in the time range after the current time, the cash scheduling of the cash terminal in the time range after the current time is determined. In the above process, by defining the current time and the historical time, and determining the corresponding cash vector, the cash scheduling of the cash terminal within the time range after the current time can be finally realized.

[0125] An embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned method of controlling cash by a bank when executing the computer program.

[0126] 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 method for controlling cash by a bank is implemented.

[0127] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for controlling cash by a bank is implemented.

[0128] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program business systems. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program business system implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0129] 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 the combination 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.

[0130] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate 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 A function specified in one or more boxes.

[0131] 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 instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0132] 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 method for controlling cash in a bank, characterized in that: include: Obtain transaction data from multiple cash terminals of a bank; Number multiple time ranges before the current time; For each number, determine the cash vector of the number for each cash terminal at the current time; For each set historical time, multiple time ranges before the historical time are numbered, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time one by one; For each number, determine the cash vector of the number for each cash terminal at the historical time; For each cash terminal and each historical time, the cash vectors of each number of the cash terminal at the historical time are used as the cash vectors of each number of the combination of the cash terminal and the historical time; Determine the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal according to the cash vector; For each cash terminal, determine a cash vector of the cash terminal in a time range after the current time based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal; Determine the cash scheduling of the cash terminal in the time range after the current time according to the cash vector of each cash terminal in the time range after the current time; The method further includes: for each cash terminal, acquiring cash transaction data of a reference cash terminal of the cash terminal; determining a cash risk coefficient and a non-cash risk coefficient of the reference cash terminal based on the transaction data of each reference cash terminal of the cash terminal; determining a risk control method for the cash terminal in a time range after the current time based on the cash risk coefficient and non-cash risk coefficient of each reference cash terminal of the cash terminal; The method for determining the risk control of the cash terminal in a time range after the current time according to the cash risk coefficient and the non-cash risk coefficient of each reference cash terminal of the cash terminal comprises: for each reference cash terminal of the cash terminal, determining the priority left endpoint of the reference cash terminal according to the cash risk coefficient and the non-cash risk coefficient of each reference cash terminal, wherein the priority left endpoint of the reference cash terminal is determined according to the following method: l i is the priority left endpoint of the i-th reference cash terminal of the cash terminal, and and are the cash risk coefficient and non-cash risk coefficient of the kth reference cash terminal of the cash terminal, respectively. and are the cash risk coefficient and non-cash risk coefficient of the j-th reference cash terminal of the cash terminal, respectively; f is a real-valued function with a value greater than 0, and its partial derivatives with respect to the first and second independent variables are both less than 0; For each transaction of the cash terminal within a time range after the current time, a random number is generated based on a random number generator, wherein the random number generator satisfies a uniform distribution with a value range of [0,1]; a maximum priority left endpoint that is smaller than the random number is selected from the priority left endpoints of the reference cash terminal of the cash terminal; and risk control is performed on the transaction based on a risk control method for a time range after the historical time corresponding to the reference cash terminal corresponding to the maximum priority left endpoint.

2. The method according to claim 1, characterized in that For each number, determine the cash vector of the number of each cash terminal at the current time, including: For each cash terminal, obtaining cash transaction data of the cash terminal; For each serial number, based on the cash transaction data of the cash terminal in the time range corresponding to the serial number, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the serial number; Set the cash vector of the cash terminal at the current time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

3. The method according to claim 1, characterized in that For each number, determine the cash vector of the number of each cash terminal at the historical time, including: For each cash terminal, obtaining cash transaction data of the cash terminal; For each historical time, according to the cash transaction data of the time range corresponding to each number of the cash terminal in the historical time, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the number; Set a cash vector for each number of the cash terminal at the historical time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

4. The method according to claim 1, characterized in that According to the cash vector, the reference cash terminal of each cash terminal and the historical time corresponding to the reference cash terminal are determined, including: Determine, according to the cash vector, a partial order of combinations of cash terminals and historical times corresponding to the cash terminal, wherein the partial order is used to determine whether a first combination of any two combinations of cash terminals and historical times is closer to a second combination; According to the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, determine the maximum combination of the partial order, wherein the maximum combination is the maximum element of the partial order; Based on the maximum combination, the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal are determined.

5. The method according to claim 4, characterized in that According to the cash vector, a partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal is determined, including: For each combination of cash terminal and historical time, determine the distance between each numbered cash vector of the cash terminal at the current time and the cash vector of the corresponding number of the cash terminal corresponding to the combination at the historical time corresponding to the combination, and use the distance as the distance of the combination corresponding to the number; For any combination of two cash terminals and historical times, if for each number, the distance between the first combination and the number is less than or equal to the distance between the second combination and the number, then the first combination is determined to be closer to the second combination.

6. The method according to claim 1, characterized in that For each cash terminal, based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal, a cash vector of the cash terminal in a time range after the current time is determined, including: For each reference cash terminal of the cash terminal, determine the withdrawal amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the withdrawal amount as the withdrawal amount sample of the cash terminal; and determine the deposit amount of the reference cash terminal in the cash transaction data of the time range after the historical time corresponding to the reference cash terminal, and use the deposit amount as the deposit amount sample of the cash terminal; Determine the withdrawal amount of the cash terminal in a time range after the current time based on the withdrawal amount sample of the cash terminal, and determine the deposit amount of the cash terminal in a time range after the current time based on the deposit amount sample of the cash terminal; Determine a cash vector of the cash terminal in a time range after the current time, wherein a component value of a first component of the cash vector is equal to a withdrawal amount of the cash terminal in a time range after the current time, and a component value of a second component of the cash vector is equal to a deposit amount of the cash terminal in a time range after the current time.

7. The method according to claim 1, characterized in that Determining cash scheduling of the cash terminal in the time range after the current time according to the cash vector of each cash terminal in the time range after the current time includes: Get the amount of cash stored in the cash terminal at the current time; Determine the cash amount of the cash terminal in the time range after the current time according to the cash vector of the cash terminal in the time range after the current time; The cash scheduling of the cash terminal in the time range after the current time is determined based on the amount of cash stored in the cash terminal at the current time and the amount of cash in the cash terminal in the time range after the current time.

8. A device for controlling cash in a bank, characterized in that: include: A transaction data acquisition module is used to acquire transaction data of multiple cash terminals of the bank; A first numbering module, used for numbering multiple time ranges before the current time; A first cash vector determination module, for determining, for each number, a cash vector of the number of each cash terminal at a current time; A second numbering module is used to number multiple time ranges before each set historical time, wherein the number of the time range before the historical time corresponds to the number of the time range before the current time in a one-to-one correspondence; A second cash vector determination module is used to determine, for each number, a cash vector of the number of each cash terminal at the historical time; A combined cash vector determination module is used for, for each cash terminal and each historical time, using the cash vectors of each number of the cash terminal at the historical time as the cash vectors of each number of the combination of the cash terminal and the historical time; A historical time determination module for a reference cash terminal is used to determine a reference cash terminal for each cash terminal and a historical time corresponding to the reference cash terminal based on a cash vector; A cash vector determination module after the current time, used to determine, for each cash terminal, a cash vector of the cash terminal in a time range after the current time based on a reference cash terminal of the cash terminal and a historical time corresponding to the reference cash terminal; A cash call determination module after the current time, used to determine the cash dispatch of the cash terminal in the time range after the current time according to the cash vector of each cash terminal in the time range after the current time; For each cash terminal, obtain cash transaction data of a reference cash terminal of the cash terminal; determine the cash risk coefficient and non-cash risk coefficient of the reference cash terminal based on the transaction data of each reference cash terminal of the cash terminal; determine the risk control method of the cash terminal in the time range after the current time based on the cash risk coefficient and non-cash risk coefficient of each reference cash terminal of the cash terminal; The method for determining the risk control of the cash terminal in a time range after the current time according to the cash risk coefficient and the non-cash risk coefficient of each reference cash terminal of the cash terminal comprises: for each reference cash terminal of the cash terminal, determining the priority left endpoint of the reference cash terminal according to the cash risk coefficient and the non-cash risk coefficient of each reference cash terminal, wherein the priority left endpoint of the reference cash terminal is determined according to the following method: l i is the priority left endpoint of the i-th reference cash terminal of the cash terminal, and and are the cash risk coefficient and non-cash risk coefficient of the kth reference cash terminal of the cash terminal, respectively. and are the cash risk coefficient and non-cash risk coefficient of the j-th reference cash terminal of the cash terminal, respectively; f is a real-valued function with a value greater than 0, and its partial derivatives with respect to the first and second independent variables are both less than 0; For each transaction of the cash terminal within a time range after the current time, a random number is generated based on a random number generator, wherein the random number generator satisfies a uniform distribution with a value range of [0,1]; a maximum priority left endpoint that is smaller than the random number is selected from the priority left endpoints of the reference cash terminal of the cash terminal; and risk control is performed on the transaction based on a risk control method for a time range after the historical time corresponding to the reference cash terminal corresponding to the maximum priority left endpoint.

9. The device according to claim 8, characterized in that The first cash vector determination module is specifically used for: For each cash terminal, obtaining cash transaction data of the cash terminal; For each serial number, based on the cash transaction data of the cash terminal in the time range corresponding to the serial number, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the serial number; Set the cash vector of the cash terminal at the current time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

10. The device according to claim 8, characterized in that The second cash vector determination module is specifically used for: For each cash terminal, obtaining cash transaction data of the cash terminal; For each historical time, according to the cash transaction data of the time range corresponding to each number of the cash terminal in the historical time, determine the withdrawal amount and deposit amount of the cash terminal in the time range corresponding to the number; Set a cash vector for each number of the cash terminal at the historical time, wherein the component value of the first component of the cash vector is equal to the withdrawal amount of the cash terminal in the time range corresponding to the number, and the component value of the second component of the cash vector is equal to the deposit amount of the cash terminal in the time range corresponding to the number.

11. The device according to claim 8, characterized in that The historical time determination module of the reference cash terminal is specifically used for: Determine, according to the cash vector, a partial order of combinations of cash terminals and historical times corresponding to the cash terminal, wherein the partial order is used to determine whether a first combination of any two combinations of cash terminals and historical times is closer to a second combination; According to the partial order of the combination of the cash terminal and the historical time corresponding to the cash terminal, determine the maximum combination of the partial order, wherein the maximum combination is the maximum element of the partial order; Based on the maximum combination, the reference cash terminal of the cash terminal and the historical time corresponding to the reference cash terminal are determined.

12. The device according to claim 11, characterized in that The historical time determination module of the reference cash terminal is specifically used for: For each combination of cash terminal and historical time, determine the distance between each numbered cash vector of the cash terminal at the current time and the cash vector of the corresponding number of the cash terminal corresponding to the combination at the historical time corresponding to the combination, and use the distance as the distance of the combination corresponding to the number; For any combination of two cash terminals and historical times, if for each number, the distance between the first combination and the number is less than or equal to the distance between the second combination and the number, then the first combination is determined to be closer to the second combination.

13. The device according to claim 8, characterized in that The cash vector determination module after the current time is specifically used for: For each reference cash terminal of the cash terminal, determining a withdrawal amount of the reference cash terminal in cash transaction data within a time range after a historical time corresponding to the reference cash terminal, and using the withdrawal amount as a withdrawal amount sample of the cash terminal; and determining a deposit amount of the reference cash terminal in cash transaction data within a time range after a historical time corresponding to the reference cash terminal, and using the deposit amount as a deposit amount sample of the cash terminal; Determine the withdrawal amount of the cash terminal in a time range after the current time based on the withdrawal amount sample of the cash terminal, and determine the deposit amount of the cash terminal in a time range after the current time based on the deposit amount sample of the cash terminal; Determine a cash vector of the cash terminal in a time range after the current time, wherein a component value of a first component of the cash vector is equal to a withdrawal amount of the cash terminal in a time range after the current time, and a component value of a second component of the cash vector is equal to a deposit amount of the cash terminal in a time range after the current time.

14. The device according to claim 8, characterized in that The cash call determination module after the current time is specifically used for: Get the amount of cash stored in the cash terminal at the current time; Determine the cash amount of the cash terminal in the time range after the current time according to the cash vector of the cash terminal in the time range after the current time; The cash scheduling of the cash terminal in the time range after the current time is determined based on the amount of cash stored in the cash terminal at the current time and the amount of cash in the cash terminal in the time range after the current time.

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