Method for configuring network point resources based on digital twinning technology and related device

Abstract

This application provides a method and related apparatus for configuring branch network resources based on digital twin technology, including: acquiring the business status of each virtual branch; performing the following operations for each virtual branch: determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period; if the business load is detected to exceed the preset load, determining the target business that needs to be coordinated to other virtual branches, and determining at least one candidate virtual branch among the other virtual branches, and selecting the target virtual branch that meets the needs of the target customer; sending a virtual branch redirection link to the customer's terminal device; receiving a selection instruction, and sending the resource information of the target virtual branch to the terminal device to realize the target business for the customer through the target virtual branch. Thus, cross-branch resource scheduling is achieved based on the virtual branch architecture, improving the effectiveness of risk control and increasing the resource utilization rate of the banking system.

Description

Technical Field

[0001] This application relates to the field of digital twin technology in artificial intelligence, and in particular to a method and related apparatus for configuring network resources based on digital twin technology. Background Technology

[0002] Currently, the banking system has many physical branches to provide services to bank customers. However, due to the geographical limitations of these branches, human resources cannot be shared among them, resulting in uneven distribution and low utilization of human resources. Summary of the Invention

[0003] This application proposes a method and related apparatus for configuring branch resources based on digital twin technology. Compared with commonly used physical branches, the branch resource configuration method provided in this application achieves coordinated use of resources by monitoring the resource status of each digital twin in real time, thereby improving the effectiveness of risk control and resource utilization in the banking system.

[0004] In a first aspect, embodiments of this application provide a method for configuring branch network resources based on digital twin technology, applied to a group device of a banking service system. The banking service system includes multiple physical branches, multiple virtual branches constructed based on digital twin technology that correspond one-to-one with the multiple physical branches, and the group device supporting data interaction between each physical branch and its corresponding virtual branch to complete customer business processes. Each physical branch can provide multiple business functions. The method includes:

[0005] The business status of each virtual branch among the plurality of virtual branches is obtained. The business status includes the business processing status of online and offline business of each virtual branch during the current business acceptance period. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics status, and the customer's facial expression status.

[0006] For each of the virtual locations, perform the following operations:

[0007] Determine the business load of the corresponding physical outlet based on the business status of the currently processed virtual outlet during the current business acceptance period;

[0008] If it is detected that the service load of the physical network corresponding to the currently processed virtual network exceeds the preset load, then it is determined that the target service needs to be coordinated to other virtual network, and at least one candidate virtual network can support the target service and whose own service load does not exceed the preset load. The other virtual network is the virtual network other than the currently processed virtual network among the multiple virtual network.

[0009] Determine the target virtual branch that matches the needs of the target customer from the at least one candidate virtual branch, wherein the target customer is the customer who requests to handle the target business;

[0010] Send a virtual branch redirect link to the target customer's terminal device; the virtual branch redirect link is used to indicate the target virtual branch.

[0011] The system receives a selection instruction from the terminal device for the virtual branch redirection link and sends the resource information of the target virtual branch to the terminal device to enable the customer to handle the target business through the target virtual branch.

[0012] Secondly, embodiments of this application provide a configuration device for branch network resources based on digital twin technology, applied to a group device of a banking service system. The banking service system includes multiple physical branches, multiple virtual branches constructed based on digital twin technology that correspond one-to-one with the multiple physical branches, and the group device supporting data interaction between each physical branch and its corresponding virtual branch to complete customer business processes. Each physical branch can provide multiple business functions. The device includes:

[0013] The acquisition unit is used to acquire the business status of each virtual branch among the plurality of virtual branches. The business status includes the business processing status of online and offline business of each virtual branch during the current business acceptance period. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics status, and the customer's facial expression status.

[0014] The operation execution unit is configured to perform the following operations for each virtual branch: determine the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period; if it is detected that the business load of the physical branch corresponding to the currently processed virtual branch exceeds a preset load, determine the target business that needs to be coordinated to other virtual branches, and determine at least one candidate virtual branch among the other virtual branches that can support the target business and whose own business load does not exceed the preset load, wherein the other virtual branches are virtual branches other than the currently processed virtual branch among the plurality of virtual branches; determine the target virtual branch among the at least one candidate virtual branch that meets the needs of the target customer, wherein the target customer is the customer requesting to handle the target business; send a virtual branch redirection link to the target customer's terminal device, wherein the virtual branch redirection link is used to indicate the target virtual branch; receive a selection instruction from the terminal device for the virtual branch redirection link, and send the resource information of the target virtual branch to the terminal device to realize the handling of the target business for the customer through the target virtual branch.

[0015] Thirdly, embodiments of this application provide an electronic device, which is a mobile terminal device or a central control system device, including a processor, a memory, and one or more programs. The one or more programs are stored in the memory and configured to be executed by the processor. The programs include instructions for performing the steps as described in the first aspect of embodiments of this application.

[0016] Fourthly, embodiments of this application provide a computer-readable storage medium having a computer program / instructions stored thereon, wherein the computer program / instructions, when executed by a processor, implement the steps in the first and second aspects of embodiments of this application.

[0017] Fifthly, embodiments of this application provide a computer program product, including a computer program / instructions, which, when executed by a processor, implement some or all of the steps described in the first and second aspects of embodiments of this application.

[0018] As can be seen, in this embodiment, the business status of each virtual branch among multiple virtual branches is obtained; and the following operations are performed for each virtual branch: the business load of the corresponding physical branch is determined based on the business status of the currently processed virtual branch during the current business acceptance period; if the business load exceeds the preset load, the target business that needs to be coordinated to other virtual branches is determined, and at least one candidate virtual branch is determined from among the other virtual branches, and the target virtual branch that meets the needs of the target customer is selected; a virtual branch redirection link is sent to the customer's terminal device; a selection instruction is received, and the resource information of the target virtual branch is sent to the terminal device to realize the target business for the customer through the target virtual branch. In this way, cross-branch resource scheduling can be realized based on the virtual branch architecture, improving the effectiveness of system risk control and increasing the resource utilization rate of the banking system. Attached Figure Description

[0019] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0020] Figure 1a This is a schematic diagram of a banking service system provided in an embodiment of this application;

[0021] Figure 1b This is a schematic diagram of the structure of a group device provided in an embodiment of this application;

[0022] Figure 2This is a flowchart illustrating a method for configuring branch network resources based on digital twin technology, as provided in an embodiment of this application.

[0023] Figure 3 This is a functional unit block diagram of a configuration device for branch network resources based on digital twin technology provided in an embodiment of this application;

[0024] Figure 4 This is a functional unit block diagram of another configuration device for branch network resources based on digital twin technology provided in this application embodiment;

[0025] Figure 5 This is a structural block diagram of a group device provided in an embodiment of this application. Detailed Implementation

[0026] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of the present application.

[0027] The terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish different objects, not to describe a specific order. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or apparatus that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or apparatuses.

[0028] In this document, the term "embodiment" means that a particular feature, structure, or characteristic described in connection with an embodiment may be included in at least one embodiment of this application. The appearance of this phrase in various places throughout the specification does not necessarily refer to the same embodiment, nor is it a separate or alternative embodiment mutually exclusive with other embodiments. It will be explicitly and implicitly understood by those skilled in the art that the embodiments described herein can be combined with other embodiments.

[0029] To better understand the technical solutions of the embodiments of this application, the following will first introduce the banking service system and group equipment that may be involved in the embodiments of this application.

[0030] Please see Figure 1a , Figure 1aThis is a schematic diagram of a banking service system provided in an embodiment of this application. As shown in the figure, the banking service system 100 includes physical branches 101, virtual branches 102, and group devices 103. The physical branches 101, virtual branches 102, and group devices 103 are communicatively connected to each other. The virtual branch 102 is constructed using digital twin technology and corresponds one-to-one with the plurality of physical branches 101. The group devices 103 are used to support data interaction between each physical branch 101 and the corresponding virtual branch 102 to complete customer business processes. The physical branches 101 can provide multiple business functions. The group device 103 acquires the business status of each virtual branch 102 in the banking service system 100, and performs the following operations for each virtual branch 102: It determines the business load of the corresponding physical branch 101 based on the business status of the currently processed virtual branch 102 during the current business acceptance period; if it detects that the business load of the physical branch 101 corresponding to the currently processed virtual branch 102 is overloaded, it coordinates the target business to other virtual branches 102, identifies candidate virtual branches with no current business load, and then determines the appropriate virtual branch to serve the target customer. A group device 103 can also correspond to multiple physical branches 101 and multiple virtual branches 102 simultaneously, or the banking service system 100 includes multiple group devices 103, each group device 103 corresponding to one or more virtual branches 102 and physical branches 101.

[0031] Specifically, such as Figure 1a The structure of the aforementioned group device can be found in [reference]. Figure 1b , Figure 1b This is a schematic diagram of the structure of a group device provided in an embodiment of this application, such as... Figure 1b As shown, the group device 110 includes a processor 120, a memory 130, a communication interface 140, and one or more programs 131, wherein the one or more programs 131 are stored in the memory 130 and configured to be executed by the processor 120, and the one or more programs 131 include instructions for performing any step in the above method embodiments.

[0032] The communication interface can also be a transceiver, transceiver circuit, etc., used to support communication between the first electronic device and other devices. The memory is used to store the terminal's program code and data. The processor can also be a controller, such as a Central Processing Unit (CPU), a general-purpose processor, a Digital Signal Processor (DSP), an Application-Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA), or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute the various exemplary logic blocks, units, and circuits described in conjunction with the disclosure of this application. The processor can also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0033] The memory can be volatile memory or non-volatile memory, or it can include both. The non-volatile memory can be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. The volatile memory can be random access memory (RAM), which is used as an external cache. By way of example, but not limitation, many forms of random access memory (RAM) are available, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate synchronous DRAM (DDR SDRAM), enhanced synchronous DRAM (ESDRAM), synchronous linked DRAM (SLDRAM), and direct rambus RAM (DR RAM).

[0034] In a specific implementation, the processor is used to execute any step performed by the electronic device as described in the above method embodiments, and when performing data transmission such as sending, it may selectively call the communication interface to complete the corresponding operation.

[0035] Currently, banking service systems have many physical branches to serve bank customers. However, due to the different number of bank customers served by each branch during business hours and the different geographical locations, the human resources of these branches cannot be shared. For example, during certain special periods, some branches are very busy while others are idle, resulting in a low utilization rate of human resources in the banking service system.

[0036] To address the aforementioned issues, this application provides a method for configuring branch network resources based on digital twin technology. This method is applied to group devices within a banking service system. The method involves acquiring the business status of each virtual branch among multiple virtual branches; and performing the following operations for each virtual branch: determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business processing time; if the business load exceeds a preset load, determining the target business that needs to be coordinated with other virtual branches, identifying at least one candidate virtual branch among the other virtual branches, and selecting the target virtual branch that best suits the target customer's needs; sending a virtual branch redirection link to the customer's terminal device; receiving a selection instruction, and sending the resource information of the target virtual branch to the terminal device to enable the target business to be processed for the customer through the target virtual branch. Thus, based on the virtual branch architecture, cross-branch resource scheduling can be achieved, improving the effectiveness of system risk control and increasing the resource utilization rate of the banking system.

[0037] The following describes the configuration method and flow of network resources based on digital twin technology involved in the embodiments of this application from the perspective of method implementation.

[0038] Please see Figure 2 , Figure 2 This is a flowchart illustrating a method for configuring branch network resources based on digital twin technology, as provided in an embodiment of this application. The method is applied to, for example... Figure 1a The group device 103 in the bank service system 100 shown includes multiple physical branches 101, multiple virtual branches 102 constructed based on digital twin technology corresponding one-to-one with the multiple physical branches 101, and the group device 103 supporting data interaction between each physical branch 101 and its corresponding virtual branch 102 to complete customer business processes. Each physical branch 101 can provide multiple business functions; the method includes:

[0039] Step 201: Obtain the business status of each virtual branch in the multiple virtual branches.

[0040] The business status includes the online and offline business processing status of each virtual branch during the current business processing time. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics, and the customer's facial expression. The current business processing time can be from 9:00 AM to 12:00 PM or from 2:00 PM to 5:00 PM; there are no restrictions, and different business processing times may exist depending on each bank's staffing arrangements.

[0041] Among them, the customer business processes that group devices can complete include: account opening, fund transfer, transaction record inquiry, business inquiry, online payment and other basic services.

[0042] The purpose of obtaining the online and offline business processing status of each virtual outlet during the current business acceptance period is to infer whether the business status of each virtual outlet is idle or busy at the current moment. This allows for a determination of whether it is necessary to help the corresponding virtual outlet share the workload. This way, resources can be allocated reasonably, allowing busy virtual outlets to provide normal and saturated services to customer service, while allowing idle virtual outlets to help solve some of the work.

[0043] Step 202: Perform the following operations for each virtual site.

[0044] The operations include: determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period; if it is detected that the business load of the physical branch corresponding to the currently processed virtual branch exceeds the preset load, then determining the target business that needs to be coordinated to other virtual branches, and determining at least one candidate virtual branch among the other virtual branches that can support the target business and whose own business load does not exceed the preset load; determining the target virtual branch among the at least one candidate virtual branch that meets the needs of the target customer; sending a virtual branch redirection link to the target customer's terminal device; receiving a selection instruction for the virtual branch redirection link from the terminal device, and sending the resource information of the target virtual branch to the terminal device to realize the target business for the customer through the target virtual branch.

[0045] Wherein, the other virtual outlets are virtual outlets other than the currently processed virtual outlet among the plurality of virtual outlets; the target customer is the customer requesting to handle the target business; the virtual outlet redirection link is used to indicate the target virtual outlet.

[0046] The principle behind this operation is to determine the business load of the corresponding physical branch by obtaining the business status of the virtual branch. If the load exceeds the preset load value of the physical branch, it means that the physical branch is overloaded at the current moment and needs other relatively idle physical branches to help share the workload. Therefore, candidate virtual branches that can support the target business and have not exceeded the preset load are identified. From these, a suitable virtual branch is selected to provide the corresponding redirect link. By sending the redirect link to the customer, the customer is redirected to an idle virtual branch to conduct business. This realizes the coordination of bank timeout resources and user allocation based on digital twin technology, avoiding the situation where the branch load exceeds the actual capacity.

[0047] By coordinating the use of resources, banks can effectively avoid customers waiting too long due to busy branch operations, thereby preventing the occurrence of complaint risks caused by excessively long service times and helping banks to better manage branch operations.

[0048] In one possible example, the method further includes: if it is detected that the service load of the physical branch corresponding to the currently processed virtual branch does not exceed the preset load, then the current service processing status of the virtual branch is maintained.

[0049] This example illustrates a branch scenario where the business load is not exceeded by the preset load. In this case, since the business load of the physical branch has not exceeded the preset load, there is no need to reassign the work of the virtual branch to other branches to handle business outside of its own.

[0050] As can be seen in this example, if the business load of the currently processed virtual branch does not exceed the preset load, the current business processing state of the virtual branch is maintained. Only when the business load is detected to exceed the preset load will the business processing state of the virtual branch be changed, thereby improving the stability of the banking business system in processing business and the efficiency of adapting branches for customers.

[0051] In one possible example, determining the target virtual location among the at least one candidate virtual locations that matches the target customer's needs includes: calculating the distance between the physical location of each candidate virtual location and the physical location corresponding to the currently processed virtual location; and determining the closest candidate virtual location as the target virtual location.

[0052] Among them, distance refers to the actual distance in geographical location, such as 1 kilometer, 500 meters, etc., which can be determined by the actual location of the physical outlet.

[0053] As can be seen in this example, the nearest candidate virtual point is determined as the target virtual point by calculating the distance between the physical point of each candidate virtual point and the physical point corresponding to the currently processed virtual point. Then, a redirect link to the target virtual point is sent to the customer's terminal device, allowing the customer to go to the physical point to conduct business. This improves the efficiency and flexibility of point resource allocation, allowing customers to conduct business at nearby available points and enhancing the customer experience.

[0054] In one possible example, determining the target virtual location among the at least one candidate virtual locations that meets the needs of the target customer includes: sending the at least one candidate virtual location to the target customer's terminal device; receiving a selection instruction from the target customer on the terminal device for a single candidate virtual location; and determining the selected single candidate virtual location as the target virtual location.

[0055] This example demonstrates how sending suitable candidate virtual locations to customers allows them to choose according to their needs. This approach better meets the requirements of real-world application scenarios. For instance, if candidate virtual locations include Location A and Location B, the group of devices sends these locations to the customer. If Location A is located near the customer's workplace, and Location B is located near the customer's home address, the terminal device sent to the target customer can then allow the customer to choose whether to go to Location A when at work or Location B when at home. This ensures that even if the customer hasn't previously conducted business at a particular location, they can still visit a suitable alternative location.

[0056] As can be seen in this example, by sending at least one candidate virtual point of sale to the target customer's terminal device, and then receiving the target customer's selection instruction for a single candidate virtual point of sale from the terminal device, the target virtual point of sale selected by the target customer can be determined. In this way, the target virtual point of sale is both a point of sale that meets the customer's needs and a point of sale that does not have a business load exceeding the preset load, thereby improving the efficiency and accuracy of configuring point of sale resources for group devices.

[0057] In one possible example, the business processing status includes the teller's business processing status, the teller's physiological characteristics, and the customer's facial expression. Determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period includes: acquiring the online and offline business of the currently processed virtual branch during the current business acceptance period; calculating the combined basic processing time of the online and offline business based on a pre-stored set of average online and offline business processing times; predicting the processing smoothness of the online and offline business based on the teller's business processing status, the teller's physiological characteristics, and the customer's facial expression; determining the combined additional processing time of the online and offline business based on the processing smoothness; and determining the target processing time of the physical branch corresponding to the currently processed virtual branch based on the combined basic processing time and the combined additional processing time.

[0058] The set of average online business processing times includes the correspondence between online business functions and average business processing time, and the set of average offline business processing times includes the correspondence between offline business functions and average business processing time. The target processing time is used to characterize the business load of the physical branch corresponding to the virtual branch being processed.

[0059] By acquiring the physiological characteristics of tellers, the facial expressions of customers, and the tellers' business processing status, it is possible to infer the smoothness of online and offline business processing at the current virtual branch. The smoothness of processing reflects the efficiency of the virtual branch in processing customer business. If the smoothness of processing is high, it means that the virtual branch consumes business quickly and the teller is efficient in processing business. If the smoothness of processing is low, it means that the virtual branch consumes business slowly and the teller is inefficient in processing business.

[0060] For example, if the teller is in good physical condition, the customer is smiling, and the transaction is proceeding normally, the processing smoothness of the current virtual branch can be considered high. However, if the transaction is not processed and the customer's expression is impatient, the processing smoothness of the current virtual branch can be considered low.

[0061] By quantifying processing smoothness and linking it to the teller's specific physiological state, the customer's facial expressions, and the actual business processing situation, a specific processing smoothness can be determined under various circumstances. Processing smoothness can then accurately determine the overall additional time consumption, which is inversely proportional to processing smoothness. By combining the overall additional time consumption and the overall base time consumption, the target time consumption for the corresponding physical branch at the currently processed virtual branch can be determined. This allows for the determination of the physical branch's workload; the longer the target time consumption, the heavier the workload of the physical branch.

[0062] As can be seen in this example, by obtaining the online and offline business of the currently processed virtual outlet during the current business acceptance period, and by obtaining the business processing status, the group device can calculate the comprehensive basic time consumption of the business corresponding to the virtual outlet. Then, by using three different dimensions of factors in the business processing status—customer expression, teller physiological characteristics, and business processing status—the comprehensive additional time consumption is determined. This quantifies the business load of the physical outlet corresponding to the currently processed virtual outlet into a specific target time consumption. This target time consumption can accurately and clearly reflect the business load of the physical outlet, improving the accuracy, efficiency, and flexibility of the group device's resource configuration.

[0063] In one possible example, determining the target service that needs to be coordinated to other virtual outlets includes: determining the combined processing time of each service in the online and offline services; based on the combined processing time of each service and the queuing status of the online and offline services, determining at least one reference service that the currently processing virtual outlet cannot complete during the current service acceptance period; and determining the reference service as the target service.

[0064] In order to ensure the orderly processing of business and to take care of customers who arrive early, when determining the target business to be transferred, the processing time of each business is calculated and the queuing status of each business is obtained. This allows for the accurate identification of the target business that cannot be processed during the current business hours. In other words, the target business to be transferred is the business that the physical branch corresponding to the virtual branch currently being processed cannot finish processing before closing time, so that later customers can go to other branches to handle their business.

[0065] As can be seen in this example, by determining the combined processing time and queuing status of each business in online and offline services, it is possible to accurately identify the business that the current branch cannot complete before closing time. By transferring such business to other branches, the stability and efficiency of resource allocation for group devices can be improved.

[0066] In one possible example, determining the total processing time for each of the online and offline services includes: determining the basic processing time per transaction for each service; obtaining the calculated additional processing time per transaction for each service; and determining the total processing time for each service based on the basic processing time and the additional processing time per transaction.

[0067] The basic processing time for each transaction can be calculated using a large amount of real-world data. For example, by obtaining the total processing time and number of customers for the same transaction at the physical branch corresponding to the current virtual branch throughout the day, the average processing time per customer for that transaction can be calculated and determined as the basic processing time for that transaction. The additional processing time per transaction can be calculated by subtracting the basic processing time from the actual processing time of the same transaction at the current virtual branch on a specific day. By dividing the processing time of several previous transactions by the number of customers for that day, an average additional processing time can be calculated and determined as the additional processing time per transaction.

[0068] As can be seen in this example, by determining the basic processing time per transaction for each service and calculating the additional processing time per transaction for each service, the overall processing time for each service is closer to the actual value, thus improving the accuracy and stability of data processing by the group of devices.

[0069] In one possible example, after detecting that the business load of the physical branch corresponding to the currently processed virtual branch exceeds the preset load, the method further includes: highlighting the virtual branch identifier of the currently processed virtual branch on the back-end management interface of the bank service system to realize an overload alarm; and, after detecting that the target business of the target virtual branch is coordinated to the target virtual branch, restoring the virtual branch identifier of the currently processed virtual branch to the normal display state.

[0070] By attaching a virtual branch identifier to the currently processed virtual branch in the bank's service system's back-end management interface, bank back-end staff can accurately and quickly locate branches that have exceeded their timeout period, allowing them to quickly redirect customers to other branches when they make appointments. Furthermore, once the bank's back-end has effectively coordinated the process, the virtual branch identifier automatically reverts to its normal display state, increasing the bank's back-end alertness and thus improving the efficiency of resource allocation.

[0071] As can be seen in this example, by setting virtual branch identifiers on the back-end management interface, the bank's back-end can actively schedule excess transactions from branches that have exceeded the time limit, thereby improving the efficiency of resource scheduling.

[0072] It can be seen that, as Figure 2As shown, the system acquires the business status of each virtual branch across multiple virtual branches and performs the following operations for each virtual branch: It determines the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business processing period; if the business load exceeds a preset load, it determines the target business that needs to be coordinated with other virtual branches, identifies at least one candidate virtual branch among the other virtual branches, and selects the target virtual branch that best suits the needs of the target customer; it sends a virtual branch redirection link to the customer's terminal device; it receives a selection instruction and sends the resource information of the target virtual branch to the terminal device to enable the target business to be processed for the customer through the target virtual branch. Thus, based on the virtual branch architecture, it is possible to monitor the resource status of each digital twin in real time, thereby coordinating the use of resources across branches, improving the effectiveness of system risk control, and increasing the resource utilization rate of the banking system.

[0073] The following are embodiments of the apparatus of this application. These embodiments of the apparatus and the embodiments of the method of this application belong to the same concept and are used to execute the methods described in the embodiments of this application. For ease of explanation, only the parts related to the apparatus embodiments of this application are shown in the embodiments of this application. For specific technical details not disclosed, please refer to the description of the embodiments of the method of this application, which will not be repeated here.

[0074] This application provides a configuration device for branch network resources based on digital twin technology. This configuration device is applied to a group device in a banking service system. The banking service system includes multiple physical branches, multiple virtual branches corresponding one-to-one with the multiple physical branches (constructed based on digital twin technology), and the group device supporting data interaction between each physical branch and its corresponding virtual branch to complete customer business processes. Each physical branch can provide multiple business functions. Specifically, the configuration device for branch network resources based on digital twin technology is used to execute the steps performed by the group device in the above-described configuration method for branch network resources based on digital twin technology. The configuration device for branch network resources based on digital twin technology provided in this application may include modules corresponding to the respective steps.

[0075] This application embodiment can divide the configuration device for network resources based on digital twin technology into functional modules according to the above method example. For example, each function can be divided into a separate functional module, or two or more functions can be integrated into one processing module. The integrated module can be implemented in hardware or as a software functional module. The module division in this application embodiment is illustrative and only represents one logical functional division; other division methods may be used in actual implementation.

[0076] When dividing each function into modules according to its corresponding function. Figure 3This is a functional unit block diagram of a network resource configuration device based on digital twin technology provided in an embodiment of this application. The device is applied to, for example... Figure 1a In the group device 103 shown, such as Figure 3 As shown, the configuration device 30 for branch network resources based on digital twin technology includes:

[0077] The acquisition unit 301 is used to acquire the business status of each virtual branch among the plurality of virtual branches. The business status includes the business processing status of online and offline business of each virtual branch during the current business acceptance period. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics status, and the customer's facial expression status.

[0078] The operation execution unit 302 is configured to perform the following operations for each virtual branch: determine the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period; if it is detected that the business load of the physical branch corresponding to the currently processed virtual branch exceeds a preset load, determine the target business that needs to be coordinated to other virtual branches, and determine at least one candidate virtual branch among the other virtual branches that can support the target business and whose own business load does not exceed the preset load, wherein the other virtual branches are virtual branches other than the currently processed virtual branch among the plurality of virtual branches; determine the target virtual branch among the at least one candidate virtual branch that meets the needs of the target customer, wherein the target customer is the customer requesting to handle the target business; send a virtual branch redirection link to the target customer's terminal device, wherein the virtual branch redirection link is used to indicate the target virtual branch; receive a selection instruction from the terminal device for the virtual branch redirection link, and send the resource information of the target virtual branch to the terminal device to realize the handling of the target business for the customer through the target virtual branch.

[0079] In one possible example, in determining the target virtual point among the at least one candidate virtual points that meets the needs of the target customer, the operation execution unit 302 is specifically used to: calculate the distance between the physical point of each candidate virtual point and the physical point corresponding to the currently processed virtual point; and determine the closest candidate virtual point as the target virtual point.

[0080] In one possible example, in determining the target virtual location that best suits the needs of the target customer among the at least one candidate virtual locations, the operation execution unit 302 is specifically configured to: send the at least one candidate virtual location to the target customer's terminal device; receive a selection instruction from the target customer for a single candidate virtual location from the terminal device; and determine the selected single candidate virtual location as the target virtual location.

[0081] In one possible example, the business processing status includes the teller's business processing status, the teller's physiological characteristics, and the customer's facial expression. Regarding determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period, the operation execution unit 302 is specifically used to: acquire the online and offline business of the currently processed virtual branch during the current business acceptance period; calculate the comprehensive basic time consumption of the online and offline business based on a pre-stored set of average online business processing times and a set of average offline business processing times, wherein the set of average online business processing times includes online business functions and... The correspondence between average processing times for services is defined, with the set of average offline service processing times including the correspondence between offline service functions and average processing times. The smoothness of online and offline service processing is predicted based on the teller's service processing status, physiological characteristics, and customer facial expressions. The combined additional processing time for online and offline services is determined based on the smoothness of processing. The target processing time for the physical branch corresponding to the currently processed virtual branch is determined based on the combined base processing time and the combined additional processing time. The target processing time characterizes the service load of the physical branch corresponding to the currently processed virtual branch.

[0082] In one possible example, regarding the determination of the target service that needs to be coordinated to other virtual outlets, the operation execution unit 302 is specifically configured to: determine the comprehensive processing time of each service in the online service and the offline service; based on the comprehensive processing time of each service and the queuing status of the online service and the offline service, determine at least one reference service that the currently processed virtual outlet cannot complete during the current service acceptance period; and determine the reference service as the target service.

[0083] In one possible example, in determining the overall processing time of each service in the online and offline services, the operation execution unit 302 is specifically used to: determine the basic processing time per transaction for each service; obtain the calculated additional processing time per transaction for each service; and determine the overall processing time of each service based on the basic processing time per transaction and the additional processing time per transaction.

[0084] In one possible example, after detecting that the business load of the physical branch corresponding to the currently processed virtual branch exceeds the preset load, the operation execution unit 302 is further configured to: highlight the virtual branch identifier of the currently processed virtual branch on the back-end management interface of the bank service system to realize an overload alarm; and, after detecting that the target business of the target virtual branch is coordinated to the target virtual branch, restore the virtual branch identifier of the currently processed virtual branch to the normal display state.

[0085] When using integrated units, such as Figure 4 As shown, Figure 4 This is a functional unit block diagram of another branch network resource configuration device based on digital twin technology provided in an embodiment of this application. Figure 4 In this document, the branch network resource configuration device 40 based on digital twin technology includes a processing module 402 and a communication module 401. The processing module 402 controls and manages the operations of the branch network resource configuration device based on digital twin technology, for example, the steps of the acquisition unit 301 and the operation execution unit 302, and / or other processes for executing the technology described herein. The communication module 401 supports interaction between the branch network resource configuration device based on digital twin technology and other devices. Figure 4 As shown, the configuration device for network resources based on digital twin technology may further include a storage module 403, which is used to store the program code and data of the configuration device for network resources based on digital twin technology.

[0086] The processing module 402 can be a processor or controller, such as a central processing unit (CPU), a general-purpose processor, a digital signal processor (DSP), an ASIC, an FPGA, or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute the various exemplary logic blocks, modules, and circuits described in conjunction with the disclosure of this application. The processor can also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc. The communication module 401 can be a transceiver, RF circuitry, or a communication interface, etc. The storage module 403 can be a memory.

[0087] All relevant content in each scenario involved in the above method embodiments can be referenced from the functional descriptions of the corresponding functional modules, and will not be repeated here. The above-mentioned configuration device 40 for network resources based on digital twin technology can all perform the above-mentioned... Figure 2 The method for configuring network resources based on digital twin technology is shown.

[0088] The above embodiments can be implemented, in whole or in part, by software, hardware, firmware, or any other combination thereof. When implemented using software, the above embodiments can be implemented, in whole or in part, as a computer program product. The computer program product includes one or more computer instructions or computer programs. When the computer instructions or computer programs are loaded or executed on a computer, all or part of the processes or functions described in the embodiments of this application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired or wireless means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more sets of available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium. A semiconductor medium can be a solid-state drive.

[0089] Figure 5 This is a structural block diagram of a group device provided in an embodiment of this application. For example... Figure 5 As shown, the group device 500 may include one or more of the following components: a processor 501 and a memory 502 coupled to the processor 501, wherein the memory 502 may store one or more computer programs, which may be configured to implement the methods described in the above embodiments when executed by one or more processors 501.

[0090] Processor 501 may include one or more processing cores. Processor 501 connects to various parts within the group device 500 using various interfaces and lines, and performs various functions and processes data of the group device 500 by running or executing instructions, programs, code sets, or instruction sets stored in memory 502, and by calling data stored in memory 502. Optionally, processor 501 may be implemented using at least one hardware form of Digital Signal Processing (DSP), Field-Programmable Gate Array (FPGA), or Programmable Logic Array (PLA). Processor 501 may integrate one or a combination of several of the following: Central Processing Unit (CPU), Graphics Processing Unit (GPU), and modem. The CPU primarily handles the operating system, user interface, and applications; the GPU is responsible for rendering and drawing the displayed content; and the modem handles wireless communication. It is understood that the modem may also not be integrated into processor 501 and may be implemented separately using a communication chip.

[0091] The memory 502 may include random access memory (RAM) or read-only memory (ROM). The memory 502 can be used to store instructions, programs, code, code sets, or instruction sets. The memory 502 may include a program storage area and a data storage area. The program storage area may store instructions for implementing an operating system, instructions for implementing at least one function (such as touch functionality, sound playback functionality, image playback functionality, etc.), and instructions for implementing the various method embodiments described above. The data storage area may also store data created by the group device 500 during use.

[0092] It is understood that the group device 500 may include more or fewer structural elements than those shown in the above block diagram, and this is not limited thereto.

[0093] This application also provides a computer storage medium storing a computer program / instructions thereon, which, when executed by a processor, implements some or all of the steps of any of the methods described in the above method embodiments.

[0094] This application also provides a computer program product, which includes a non-transitory computer-readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods described in the above method embodiments.

[0095] It should be understood that in the various embodiments of this application, the order of the above-mentioned processes does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application.

[0096] In the several embodiments provided in this application, it should be understood that the disclosed methods, apparatuses, and systems can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for example, the division of units is merely a logical functional division, and other division methods may exist in actual implementation; for example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces, and the indirect coupling or communication connection between devices or units may be electrical, mechanical, or other forms.

[0097] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0098] Furthermore, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can be physically comprised separately, or two or more units can be integrated into one unit. The integrated unit described above can be implemented in hardware or in the form of hardware plus software functional units.

[0099] The integrated units implemented as software functional units described above can be stored in a computer-readable storage medium. These software functional units, stored in a storage medium, include several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute some steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: a USB flash drive, a portable hard drive, a magnetic disk, an optical disk, volatile memory, or non-volatile memory. The non-volatile memory can be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. The volatile memory can be random access memory (RAM), which is used as an external cache. By way of example, but not limitation, many forms of random access memory (RAM) are available, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate synchronous DRAM (DDR SDRAM), enhanced synchronous DRAM (ESDRAM), synchronous linked DRAM (SLDRAM), and direct rambus RAM (DR RAM), etc., which are various media capable of storing program code.

[0100] While the present invention has been disclosed above, it is not limited thereto. Any person skilled in the art can easily conceive of variations or substitutions without departing from the spirit and scope of the present invention, and various modifications and alterations can be made, including combinations of the different functions and implementation steps described above, as well as software and hardware implementation methods, all of which are within the protection scope of the present invention.

Claims

1. A method for configuring network resources based on digital twin technology, characterized in that, A group device applied to a banking service system, the banking service system including multiple physical branches, multiple virtual branches corresponding one-to-one with the multiple physical branches based on digital twin technology, and the group device supporting data interaction between each physical branch and its corresponding virtual branch to complete customer business processes, wherein each physical branch can provide multiple business functions; the method includes: The business status of each virtual branch among the plurality of virtual branches is obtained. The business status includes the business processing status of online and offline business of each virtual branch during the current business acceptance period. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics status, and the customer's facial expression status. For each of the virtual locations, perform the following operations: Determining the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period includes: acquiring the online and offline business of the currently processed virtual branch during the current business acceptance period; calculating the comprehensive basic time consumption of the online and offline business based on a pre-stored set of average online business processing time and a set of average offline business processing time, wherein the set of average online business processing time includes the correspondence between online business functions and average business processing time, and the set of average offline business processing time includes the correspondence between offline business functions and average business processing time; and predicting the online and offline business based on the teller's business processing status, the teller's physiological characteristics, and the customer's facial expression. The processing smoothness of offline transactions is determined when the teller's physiological condition is good, the customer's expression is smiling, and the transaction is processed normally. The processing smoothness is higher when the teller's physiological condition is good, the customer's expression is impatient, and the transaction is unsatisfactory. Based on the processing smoothness, the combined additional time for online and offline transactions is determined, and the processing smoothness is inversely proportional to the combined additional time. Based on the combined base time and the combined additional time, the target time for the physical branch corresponding to the currently processed virtual branch is determined, and the target time characterizes the business load of the physical branch corresponding to the currently processed virtual branch. If it is detected that the service load of the physical network corresponding to the currently processed virtual network exceeds the preset load, then it is determined that the target service needs to be coordinated to other virtual network, and at least one candidate virtual network can support the target service and whose own service load does not exceed the preset load. The other virtual network is the virtual network other than the currently processed virtual network among the multiple virtual network. Determine the target virtual branch that matches the needs of the target customer from the at least one candidate virtual branch, wherein the target customer is the customer who requests to handle the target business; Send a virtual branch redirect link to the target customer's terminal device; the virtual branch redirect link is used to indicate the target virtual branch. The system receives a selection instruction from the terminal device for the virtual branch redirection link and sends the resource information of the target virtual branch to the terminal device to enable the customer to handle the target business through the target virtual branch.

2. The method according to claim 1, characterized in that, Determining the target virtual location among the at least one candidate virtual locations that matches the needs of the target customer includes: Calculate the distance between the physical node of each candidate virtual node in the at least one candidate virtual node and the physical node corresponding to the currently processed virtual node; The nearest candidate virtual site is determined as the target virtual site.

3. The method according to claim 1, characterized in that, Determining the target virtual location among the at least one candidate virtual locations that matches the needs of the target customer includes: Send the at least one candidate virtual branch to the terminal device of the target customer; The system receives a selection instruction from the target customer of the terminal device for a single candidate virtual site and determines the selected single candidate virtual site as the target virtual site.

4. The method according to claim 1, characterized in that, The determination of the target services that need to be coordinated with other virtual outlets includes: Determine the combined processing time for each of the online and offline services; Based on the overall processing time of each service and the queuing status of the online and offline services, determine at least one reference service that the currently processed virtual outlet cannot complete during the current service acceptance period. The reference service is identified as the target service.

5. The method according to claim 2, characterized in that, Determining the combined processing time for each of the online and offline services includes: Determine the basic time consumption per transaction for each of the aforementioned services; Obtain the calculated additional time consumption per transaction for each of the aforementioned services; The overall processing time for each service is determined based on the basic processing time per transaction and the additional processing time per transaction.

6. The method according to any one of claims 1-5, characterized in that, After detecting that the service load of the physical branch corresponding to the currently processed virtual branch exceeds the preset load, the method further includes: The virtual branch identifier of the currently processed virtual branch in the back-end management interface of the bank service system is highlighted to implement an overload alarm; and... After detecting that the target service of the target virtual network point has been coordinated to the target virtual network point, the virtual network point identifier of the currently processed virtual network point is restored to the normal display state.

7. A device for configuring network resources based on digital twin technology, characterized in that, A group device applied to a banking service system, the banking service system including multiple physical branches, multiple virtual branches corresponding one-to-one with the multiple physical branches based on digital twin technology, and the group device supporting data interaction between each physical branch and its corresponding virtual branch to complete customer business processes, wherein each physical branch can provide multiple business functions; the device includes: The acquisition unit is used to acquire the business status of each virtual branch among the plurality of virtual branches. The business status includes the business processing status of online and offline business of each virtual branch during the current business acceptance period. The business processing status includes at least one of the following: the teller's business processing status, the teller's physiological characteristics status, and the customer's facial expression status. The operation execution unit is configured to perform the following operations for each virtual branch: determine the business load of the corresponding physical branch based on the business status of the currently processed virtual branch during the current business acceptance period, including: acquiring the online and offline business of the currently processed virtual branch during the current business acceptance period; calculating the comprehensive basic time consumption of the online and offline business based on a pre-stored set of average processing time for online business and a set of average processing time for offline business, wherein the set of average processing time for online business includes the correspondence between online business functions and average processing time, and the set of average processing time for offline business includes offline... The correspondence between business functions and average processing time; predicting the processing smoothness of online and offline services based on the teller's business processing status, physiological characteristics, and customer's facial expression; the processing smoothness is higher when the teller's physiological characteristics are good, the customer's facial expression is smiling, and the business processing is normal than when the teller's physiological characteristics are good, the customer's facial expression is impatient, and the business processing is unsatisfactory; determining the online and offline services based on the processing smoothness. The processing smoothness is inversely proportional to the overall additional time consumption. Based on the overall base time consumption and the overall additional time consumption, a target time consumption for the physical network point corresponding to the currently processed virtual network point is determined. This target time consumption characterizes the service load of the physical network point corresponding to the currently processed virtual network point. If the service load of the physical network point corresponding to the currently processed virtual network point exceeds a preset load, then a target service that needs to be coordinated to other virtual network points is determined, and at least one candidate virtual network point among the other virtual network points that can support the target service and whose own service load does not exceed the preset load is identified. The other virtual outlets refer to the virtual outlets other than the currently processed virtual outlet among the plurality of virtual outlets; a target virtual outlet that meets the needs of the target customer is determined from the at least one candidate virtual outlet, the target customer being the customer requesting to handle the target business; a virtual outlet redirection link is sent to the target customer's terminal device, the virtual outlet redirection link being used to indicate the target virtual outlet; a selection instruction for the virtual outlet redirection link is received from the terminal device, and resource information of the target virtual outlet is sent to the terminal device to realize the handling of the target business for the customer through the target virtual outlet.

8. An electronic device, characterized in that, The method includes a processor, a memory, a communication interface, and one or more programs, said programs being stored in the memory and configured to be executed by the processor, said programs including instructions for performing the steps of the method as described in any one of claims 1-6.

9. A computer program product comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method as described in any one of claims 1-6.

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