Financial institution new business branch position recommendation method and system

The weighted average straight line distance is calculated through the server, and the location of new business outlets of financial institutions is automatically recommended, which solves the subjective and inefficient problems of traditional site selection methods, improves the quality and efficiency of site selection, and ensures the security of reports through encrypted storage.

CN119130538APending Publication Date: 2024-12-13AGRI BANK OF CHINA CO LTD FUJIAN BRANCH
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Patent Information

Application Number
CN202411083641.8
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2024-08-08
Publication Date
2024-12-13

AI Technical Summary

Technical Problem

The site selection methods of traditional financial institutions' business outlets are too subjective and inefficient, making it difficult to ensure the quality and efficiency of site selection.

Method used

The service area of ​​the newly built business outlets is obtained through the server, the urban heat map is used to obtain densely populated areas, calculate the weighted average straight line distance, automatically recommend the optimal location, and generate a recommendation report for encrypted storage.

Benefits of technology

It improves the location quality and efficiency of new business outlets of financial institutions, reduces manual intervention, and enhances the safety of reports.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention provides a financial institution new business branch position recommendation method and system in the technical field of artificial intelligence, and the method comprises the steps: S1, obtaining a service region of a business branch to be newly built through a server, and obtaining a densely populated region in the service region through a city thermodynamic diagram; s2, the server reads the first longitude and latitude of the center of each densely populated area and the population number, and obtains the second longitude and latitude of the established business network in the service area; s3, the server performs grid division on the service area to obtain a plurality of grid points; s4, the server sequentially calculates the weighted average linear distance for enjoying the service of the business network at each grid point in each densely populated area based on the first latitude and longitude, the second latitude and longitude and the population number; and S5, the server takes the grid point with the shortest weighted average linear distance as a recommended position. The method has the advantages that the site selection quality and the site selection efficiency of the new business network of the financial institution are greatly improved.
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Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a method and system for recommending locations of new business outlets of a financial institution. Background Art

[0002] Business outlets are an important channel for financial institutions to provide financial services to customers, and the purpose of establishing new business outlets is to expand the coverage of financial services so that more customers can enjoy convenient and high-quality financial services. But at the same time, the addition of business outlets requires a very high investment in personnel, funds, etc. If the location of the business outlets is not good, it will directly affect the efficiency of the business outlets. Therefore, the location of the business outlets is crucial.

[0003] Traditionally, the site selection of business outlets of financial institutions mainly relies on on-site inspections and manual judgment by relevant staff, which has the following shortcomings: 1. Traditional site selection methods are too subjective and simple, and new business outlets may find it difficult to achieve their due functions, that is, the site selection effect is not good; 2. Manual site selection is inefficient and requires a lot of manpower and material resources.

[0004] Therefore, how to provide a method and system for recommending locations of new business outlets of financial institutions to improve the site selection quality and efficiency of new business outlets of financial institutions has become a technical problem that needs to be solved urgently. Summary of the invention

[0005] The technical problem to be solved by the present invention is to provide a method and system for recommending locations of new business outlets of financial institutions, so as to improve the site selection quality and site selection efficiency of new business outlets of financial institutions.

[0006] In a first aspect, the present invention provides a method for recommending a location of a new business outlet of a financial institution, comprising the following steps:

[0007] Step S1: The server obtains the service area of ​​the new business outlet and obtains the densely populated area in the service area through the city heat map;

[0008] Step S2: The server reads the first longitude and latitude of the center of each densely populated area and the population, and obtains the second longitude and latitude of the business outlets that have been built in the service area;

[0009] Step S3: The server sets a grid size, and divides the service area into grids based on the grid size to obtain a plurality of grid points;

[0010] Step S4: The server calculates the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population.

[0011] Step S5: The server takes the grid point with the shortest weighted average straight-line distance as a recommended location, and displays the recommended location.

[0012] Furthermore, the step S1 is specifically as follows:

[0013] The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

[0014] Furthermore, the step S2 is specifically as follows:

[0015] The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

[0016] Furthermore, the step S3 is specifically as follows:

[0017] The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

[0018] Furthermore, in step S4, the weighted average straight-line distance is calculated as follows:

[0019]

[0020] Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude;

[0021] The step S5 is specifically as follows:

[0022] The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.

[0023] In a second aspect, the present invention provides a new business outlet location recommendation system for a financial institution, comprising the following modules:

[0024] A service area acquisition module is used for the server to acquire the service area of ​​the new business outlets to be built, and to acquire the densely populated areas within the service area through the city heat map;

[0025] A data reading module, used for the server to read the first longitude and latitude of the center of each densely populated area and the population, and obtain the second longitude and latitude of the business outlets that have been built in the service area;

[0026] A grid division module, used for the server to set a grid size, and to divide the service area into grids based on the grid size to obtain a plurality of grid points;

[0027] A weighted average straight-line distance calculation module, used for the server to calculate the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population;

[0028] The location recommendation module is used for the server to use the grid point with the shortest weighted average straight-line distance as the recommended location and display the recommended location.

[0029] Furthermore, the service area acquisition module is specifically used for:

[0030] The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

[0031] Furthermore, the data reading module is specifically used for:

[0032] The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

[0033] Furthermore, the grid division module is specifically used for:

[0034] The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

[0035] Furthermore, in the weighted average straight-line distance calculation module, the calculation formula of the weighted average straight-line distance is:

[0036]

[0037] Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude;

[0038] The location recommendation module is specifically used for:

[0039] The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.

[0040] The advantages of the present invention are:

[0041] 1. Obtain the service area of ​​the new business outlets through the server, obtain the densely populated areas in the service area through the city heat map, then read the first longitude and latitude of the center of each densely populated area and the population, obtain the second longitude and latitude of the business outlets that have been built in the service area, divide the service area into grids based on the set grid size to obtain a number of grid points, calculate the weighted average straight-line distance of each densely populated area enjoying the service of the business outlets at each grid point based on the first longitude and latitude, the second longitude and latitude and the population, and finally take the grid point with the shortest weighted average straight-line distance as the recommended location and display it; that is, in the site selection process of the new business outlets to be built, the server obtains the service area based on the frame selection signal input by the electronic map, automatically obtains the densely populated area and the already built business outlets based on the service area, and automatically calculates the recommended location based on the first longitude and latitude and population corresponding to the densely populated area and the second longitude and latitude corresponding to the already built business outlets, fully considering the population and service distance (weighted average straight-line distance) of each densely populated area, and the server automatically calculates the entire process without manual intervention, which ultimately greatly improves the site selection quality and site selection efficiency of new business outlets of financial institutions.

[0042] 2. By obtaining the current time as the recommended time, a recommendation report is generated based on the recommended location, recommended time, service area, densely populated area, and population size, and the recommendation report is encrypted and stored to facilitate later tracing and ensure storage security. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The present invention will be further described below in conjunction with embodiments with reference to the accompanying drawings.

[0044] Figure 1 The present invention is a flow chart of a method for recommending locations of new business outlets of a financial institution.

[0045] Figure 2 The present invention is a structural schematic diagram of a new business outlet location recommendation system for a financial institution.

[0046] Figure 3 It is a schematic diagram of the service area and densely populated area of ​​the present invention.

[0047] Figure 4 This is a recommended schematic diagram of the present invention in which there are no established business outlets in the service area.

[0048] Figure 5 It is a recommended schematic diagram of the present invention that there is one established business outlet in the service area. DETAILED DESCRIPTION

[0049] The technical solution in the embodiments of the present application has the following overall idea: obtaining the service area based on the frame selection signal input from the electronic map, automatically obtaining densely populated areas and established business outlets based on the service area, automatically calculating the recommended location based on the first longitude and latitude corresponding to the densely populated area and the population size, and the second longitude and latitude corresponding to the established business outlets, taking full account of the population size and service distance of each densely populated area, and the server automatically calculating the entire process to improve the site selection quality and efficiency of new business outlets of financial institutions.

[0050] Please refer to Figures 1 to 5 As shown, a preferred embodiment of a method for recommending a new business outlet location of a financial institution of the present invention comprises the following steps:

[0051] Step S1: The server obtains the service area of ​​the new business outlet and obtains the densely populated area in the service area through the city heat map;

[0052] Step S2: The server reads the first longitude and latitude of the center of each densely populated area and the population, and obtains the second longitude and latitude of the business outlets that have been built in the service area;

[0053] Step S3: The server sets a grid size, and divides the service area into grids based on the grid size to obtain a plurality of grid points;

[0054] Step S4: The server calculates the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population.

[0055] Step S5: The server takes the grid point with the shortest weighted average straight-line distance as a recommended location, and displays the recommended location.

[0056] In specific implementation, a grid point can be randomly selected as the recommended position, the first weighted average straight-line distance of the recommended position is calculated, and then the second weighted average straight-line distances of the remaining grid points are enumerated in turn. When the second weighted average straight-line distance is less than the first weighted average straight-line distance, the corresponding grid point is updated to the recommended position until all grid points are enumerated.

[0057] The step S1 is specifically as follows:

[0058] The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

[0059] The step S2 is specifically as follows:

[0060] The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

[0061] The step S3 is specifically as follows:

[0062] The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

[0063] In step S4, the weighted average straight-line distance is calculated as follows:

[0064]

[0065] Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude;

[0066] When there are no established business outlets in the service area, the straight-line distances from each grid point to each densely populated area are calculated separately, and the weighted average of each straight-line distance is calculated based on the population to obtain the weighted average straight-line distance. Figure 4 , assuming there are 6 densely populated areas, then:

[0067]

[0068] Then select the grid point with the smallest L value as the recommended position, such as Figure 4 The triangle in .

[0069] like Figure 5 , when there is an already built business outlet in the service area, and the business outlet cannot effectively meet the needs of all customers in the service area, additional business outlets need to be added to share the pressure of the outlets. At this time, we cannot only consider densely populated areas, otherwise we will get the same location as the already built business outlets, that is, we need to consider the already built business outlets at the same time to minimize the straight-line distance for users in the service area to enjoy the business outlet services. At this time, the calculation formula of the weighted average straight-line distance is expressed as:

[0070]

[0071] The step S5 is specifically as follows:

[0072] The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.

[0073] The encrypted storage of the recommendation report is specifically as follows:

[0074] The recommendation report is hashed by the SHA-3 algorithm to obtain a hash value, the current timestamp is obtained, the recommendation report, the hash value and the timestamp are encrypted by the RSA algorithm to obtain a first encrypted string, each character in the first encrypted string is shifted rightward based on a preset displacement to obtain a second encrypted string, the second encrypted string is encrypted by the AES algorithm to obtain a third encrypted string, each character in the third encrypted string is replaced based on a preset mapping rule to generate a fourth encrypted string, the fourth encrypted string is encrypted by the ECDSA algorithm to obtain encrypted data, and the encrypted data is stored and distributedly backed up.

[0075] Since hash calculation is irreversible, the hash value can be used for integrity verification and the timestamp can be used for timeliness verification. If the corresponding encryption algorithm or transformation rule is not known, the encrypted data cannot be cracked. Distributed backup ensures the reliability of backup, and at least eight security measures are taken before and after (hash calculation, timestamp, RSA algorithm, displacement, AES algorithm, mapping rules, ECDSA algorithm, distributed backup), which greatly improves the security of recommendation report storage.

[0076] A preferred embodiment of a new business outlet location recommendation system for a financial institution of the present invention includes the following modules:

[0077] A service area acquisition module is used for the server to acquire the service area of ​​the new business outlets to be built, and to acquire the densely populated areas within the service area through the city heat map;

[0078] A data reading module, used for the server to read the first longitude and latitude of the center of each densely populated area and the population, and obtain the second longitude and latitude of the business outlets that have been built in the service area;

[0079] A grid division module, used for the server to set a grid size, and to divide the service area into grids based on the grid size to obtain a plurality of grid points;

[0080] A weighted average straight-line distance calculation module, used for the server to calculate the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population;

[0081] The location recommendation module is used for the server to use the grid point with the shortest weighted average straight-line distance as the recommended location and display the recommended location.

[0082] In specific implementation, a grid point can be randomly selected as the recommended position, the first weighted average straight-line distance of the recommended position is calculated, and then the second weighted average straight-line distances of the remaining grid points are enumerated in turn. When the second weighted average straight-line distance is less than the first weighted average straight-line distance, the corresponding grid point is updated to the recommended position until all grid points are enumerated.

[0083] The service area acquisition module is specifically used for:

[0084] The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

[0085] The data reading module is specifically used for:

[0086] The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

[0087] The grid division module is specifically used for:

[0088] The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

[0089] In the weighted average straight-line distance calculation module, the calculation formula of the weighted average straight-line distance is:

[0090]

[0091] Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude;

[0092] When there are no established business outlets in the service area, the straight-line distances from each grid point to each densely populated area are calculated separately, and the weighted average of each straight-line distance is calculated based on the population to obtain the weighted average straight-line distance. Figure 4 , assuming there are 6 densely populated areas, then:

[0093]

[0094] Then select the grid point with the smallest L value as the recommended position, such as Figure 4 The triangle in .

[0095] like Figure 5 , when there is an already built business outlet in the service area, and the business outlet cannot effectively meet the needs of all customers in the service area, additional business outlets need to be added to share the pressure of the outlets. At this time, we cannot only consider densely populated areas, otherwise we will get the same location as the already built business outlets, that is, we need to consider the already built business outlets at the same time to minimize the straight-line distance for users in the service area to enjoy the business outlet services. At this time, the calculation formula of the weighted average straight-line distance is expressed as:

[0096]

[0097] The location recommendation module is specifically used for:

[0098] The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.

[0099] The encrypted storage of the recommendation report is specifically as follows:

[0100] The recommendation report is hashed by the SHA-3 algorithm to obtain a hash value, the current timestamp is obtained, the recommendation report, the hash value and the timestamp are encrypted by the RSA algorithm to obtain a first encrypted string, each character in the first encrypted string is shifted rightward based on a preset displacement to obtain a second encrypted string, the second encrypted string is encrypted by the AES algorithm to obtain a third encrypted string, each character in the third encrypted string is replaced based on a preset mapping rule to generate a fourth encrypted string, the fourth encrypted string is encrypted by the ECDSA algorithm to obtain encrypted data, and the encrypted data is stored and distributedly backed up.

[0101] Since hash calculation is irreversible, the hash value can be used for integrity verification and the timestamp can be used for timeliness verification. If the corresponding encryption algorithm or transformation rule is not known, the encrypted data cannot be cracked. Distributed backup ensures the reliability of backup, and at least eight security measures are taken before and after (hash calculation, timestamp, RSA algorithm, displacement, AES algorithm, mapping rules, ECDSA algorithm, distributed backup), which greatly improves the security of recommendation report storage.

[0102] In summary, the advantages of the present invention are:

[0103] 1. Obtain the service area of ​​the new business outlets through the server, obtain the densely populated areas in the service area through the city heat map, then read the first longitude and latitude of the center of each densely populated area and the population, obtain the second longitude and latitude of the business outlets that have been built in the service area, divide the service area into grids based on the set grid size to obtain a number of grid points, calculate the weighted average straight-line distance of each densely populated area enjoying the service of the business outlets at each grid point based on the first longitude and latitude, the second longitude and latitude and the population, and finally take the grid point with the shortest weighted average straight-line distance as the recommended location and display it; that is, in the site selection process of the new business outlets to be built, the server obtains the service area based on the frame selection signal input by the electronic map, automatically obtains the densely populated area and the already built business outlets based on the service area, and automatically calculates the recommended location based on the first longitude and latitude and population corresponding to the densely populated area and the second longitude and latitude corresponding to the already built business outlets, fully considering the population and service distance (weighted average straight-line distance) of each densely populated area, and the server automatically calculates the entire process without manual intervention, which ultimately greatly improves the site selection quality and site selection efficiency of new business outlets of financial institutions.

[0104] 2. By obtaining the current time as the recommended time, a recommendation report is generated based on the recommended location, recommended time, service area, densely populated area, and population size, and the recommendation report is encrypted and stored to facilitate later tracing and ensure storage security.

[0105] Although the specific implementation modes of the present invention are described above, those skilled in the art should understand that the specific implementation modes described are only illustrative and are not intended to limit the scope of the present invention. Equivalent modifications and changes made by those skilled in the art in accordance with the spirit of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A method for recommending locations of new business outlets of a financial institution, characterized by: The steps include: Step S1: The server obtains the service area of ​​the new business outlet and obtains the densely populated area in the service area through the city heat map; Step S2: The server reads the first longitude and latitude of the center of each densely populated area and the population, and obtains the second longitude and latitude of the business outlets that have been built in the service area; Step S3: The server sets a grid size, and divides the service area into grids based on the grid size to obtain a plurality of grid points; Step S4: The server calculates the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population. Step S5: The server takes the grid point with the shortest weighted average straight-line distance as a recommended location, and displays the recommended location.

2. A method for recommending new business outlets of a financial institution as claimed in claim 1, characterized in that: The step S1 is specifically as follows: The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

3. A method for recommending new business outlets of a financial institution as claimed in claim 1, characterized in that: The step S2 is specifically as follows: The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

4. A method for recommending new business outlets of a financial institution as claimed in claim 1, characterized in that: The step S3 is specifically as follows: The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

5. A method for recommending new business outlets of a financial institution as claimed in claim 1, characterized in that: In step S4, the calculation formula of the weighted average straight-line distance is: Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude; The step S5 is specifically as follows: The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.

6. A new business outlet location recommendation system for a financial institution, characterized by: Includes the following modules: A service area acquisition module is used for the server to acquire the service area of ​​the new business outlets to be built, and to acquire the densely populated areas within the service area through the city heat map; A data reading module, used for the server to read the first longitude and latitude of the center of each densely populated area and the population number, and obtain the second longitude and latitude of the business outlets that have been built in the service area; A grid division module, used for the server to set a grid size, and to divide the service area into grids based on the grid size to obtain a plurality of grid points; A weighted average straight-line distance calculation module, used for the server to calculate the weighted average straight-line distance of each of the densely populated areas enjoying the service of the business outlets at each of the grid points based on the first longitude and latitude, the second longitude and latitude and the population; The location recommendation module is used for the server to use the grid point with the shortest weighted average straight-line distance as the recommended location and display the recommended location.

7. A new business outlet location recommendation system for a financial institution as claimed in claim 6, characterized in that: The service area acquisition module is specifically used for: The server obtains the mouse selection signal through the electronic map, determines the service area of ​​the new business outlet in real time based on the selection signal, and accesses the city heat map in real time through the API interface to obtain the densely populated area within the service area.

8. A new business outlet location recommendation system for a financial institution as claimed in claim 6, characterized in that: The data reading module is specifically used for: The server reads the first longitude and latitude of the center of each densely populated area through an electronic map, obtains the population of the densely populated area through a city heat map, and obtains the second longitude and latitude of the business outlets that have been built in the service area through the outlet management table stored in the database; when there are no business outlets that have been built in the service area, the value of the second longitude and latitude is (0,0).

9. A new business outlet location recommendation system for a financial institution as claimed in claim 6, characterized in that: The grid division module is specifically used for: The server sets a grid size, and divides the service area into grids on the electronic map based on the grid size, thereby obtaining a plurality of grid points on the electronic map.

10. A new business outlet location recommendation system for a financial institution as claimed in claim 6, characterized in that: In the weighted average straight-line distance calculation module, the calculation formula of the weighted average straight-line distance is: Where L represents the weighted average straight-line distance; n represents the total number of densely populated areas; p i represents the population of the ith densely populated area; (x i ,y i ) represents the first longitude and latitude; Indicates the longitude and latitude of the j1th grid point; represents the j2th second longitude and latitude; The location recommendation module is specifically used for: The server uses the grid point with the shortest weighted average straight-line distance as the recommended location, obtains the current time as the recommended time, generates a recommendation report based on the recommended location, recommended time, service area, densely populated area, and population size, displays the recommendation report through a visual interface, and encrypts and stores the recommendation report.