Merchant jurisdiction bank allocation method, device and equipment and storage medium

Abstract

The invention provides a merchant jurisdiction bank allocation method and device, equipment and a storage medium. Relates to the technical field of data processing. The method comprises the steps of obtaining merchant information including a position and a type of a target merchant and branch information including business evaluation of a plurality of preset branches based on target merchants input by a user in a target interface and a distance threshold value corresponding to each target merchant, and obtaining business evaluation information of a plurality of preset branches according to the obtained merchant information and the plurality of pieces of branch information. And evaluating each preset branch through different evaluation algorithms to obtain a corresponding evaluation result, determining a common candidate jurisdiction bank and a total candidate jurisdiction bank from the plurality of preset branches according to the evaluation result, and displaying the common candidate jurisdiction bank and the total candidate jurisdiction bank on a target interface of the user terminal so that a user can determine the jurisdiction bank of the target merchant. Therefore, the situation that the jurisdiction bank of the commercial tenant is allocated only through default fixed conditions is avoided, the rationality and matching accuracy of jurisdiction bank allocation are improved, effective cooperation of the commercial tenant and the jurisdiction bank is achieved, and the service experience of the commercial tenant is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, equipment and storage medium for allocating a merchant's jurisdiction bank. Background Art

[0002] With the development of the economy and society, the number of merchants is also increasing, and it is becoming increasingly important to determine the jurisdiction of the bank branch responsible for merchant transaction affairs.

[0003] The existing allocation scheme for merchant-administered banks usually only implements allocation based on distance, settlement card opening bank and default branch, and cannot be dynamically allocated according to the specific circumstances of each merchant and bank branch, resulting in unreasonable allocation results and low matching accuracy, which makes it impossible for merchants and jurisdictional banks to cooperate effectively. Summary of the invention

[0004] The present application provides a method, device, equipment and storage medium for allocating a merchant's jurisdiction bank, which is used to solve the problem in the prior art that the jurisdiction bank cannot be dynamically allocated according to the specific circumstances of each merchant and bank branch, resulting in unreasonable allocation results and low matching accuracy.

[0005] In a first aspect, the present application provides a method for assigning a merchant's jurisdiction bank, comprising: upon receiving at least one target merchant input by a user in a target interface and a distance threshold corresponding to each of the target merchants, obtaining merchant information of the target merchant and branch information of a plurality of preset branches, wherein each of the merchant information comprises at least one of the following first type of information: merchant location, target merchant type, and each of the branch information comprises at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel;

[0006] Each of the preset branches is evaluated by using multiple evaluation algorithms, the merchant information and the branch information to obtain an evaluation result of each of the evaluation algorithms on each of the preset branches, wherein different evaluation algorithms use different information of the first type and / or different information of the second type, and different evaluation algorithms correspond to different evaluation targets;

[0007] Selecting a plurality of first candidate jurisdiction banks from the plurality of preset branches whose distances from the target merchant are within the corresponding distance threshold;

[0008] Selecting the jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results;

[0009] The target interface displays the jurisdiction bank information corresponding to each target merchant, and the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

[0010] In a possible design, selecting the jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results includes:

[0011] For each of the evaluation algorithms, one or more second candidate jurisdiction lines with the largest evaluation result obtained by the evaluation algorithm are selected from the multiple first candidate jurisdiction lines, and the common candidate jurisdiction line of each evaluation algorithm and the total candidate jurisdiction line of each evaluation algorithm are determined according to the second candidate jurisdiction lines obtained by each evaluation algorithm, wherein the common candidate jurisdiction line is the intersection of the second candidate jurisdiction lines obtained by each evaluation algorithm, and the total candidate jurisdiction line is the union of the second candidate jurisdiction lines obtained by each evaluation algorithm;

[0012] If there are common candidate jurisdiction banks, one of the common candidate jurisdiction banks is used as the jurisdiction bank of the target merchant;

[0013] If the common candidate jurisdiction bank does not exist, the jurisdiction bank of the target merchant is determined from the total candidate jurisdiction banks.

[0014] In a possible design, each of the preset branches is evaluated by using multiple evaluation algorithms, the merchant information, and the branch information, and an evaluation result of each of the evaluation algorithms on each of the preset branches is obtained, including:

[0015] Determining a plurality of evaluation parameters required by the plurality of evaluation algorithms and a type of information required by each of the evaluation parameters;

[0016] For each of the preset branches and each of the evaluation parameters, calculating the evaluation sub-result of the evaluation parameter for the preset branch according to the target information corresponding to the information type required by the evaluation parameter in the branch information and / or the merchant information;

[0017] For each of the preset branches and each of the evaluation algorithms, an evaluation result of the evaluation algorithm on the preset branch is calculated according to at least one evaluation sub-result of the evaluation algorithm.

[0018] In a possible design, calculating the evaluation sub-result of the evaluation parameter for the preset branch according to the target information corresponding to the information type required by the evaluation parameter in the branch information and / or the merchant information includes:

[0019] Calculate the distance between the target merchant and the preset branch according to the merchant location and the branch location, and use it as an evaluation sub-result of the evaluation parameter for the preset branch;

[0020] The jurisdiction merchant type and the merchant quantity corresponding to the jurisdiction merchant type are extracted from the jurisdiction merchant information, and the target merchant quantity corresponding to the jurisdiction merchant type matching the target merchant type is determined as an evaluation sub-result of the evaluation parameter for the preset branch.

[0021] In a possible design, the multiple evaluation algorithms include at least two of the following three: a comprehensive evaluation algorithm, a distance evaluation algorithm, and a service evaluation algorithm; the calculation of the evaluation result of the evaluation algorithm for the preset branch according to at least one evaluation sub-result of the evaluation algorithm includes:

[0022] Calculate the evaluation result of the comprehensive evaluation algorithm on the preset branch according to the distance, the review time, the merchant evaluation and the number of service personnel; and / or,

[0023] According to the distance, calculating the evaluation result of the distance evaluation algorithm on the preset branch; and / or,

[0024] The evaluation result of the service evaluation algorithm on the preset branch is calculated according to the number of target merchants, the merchant evaluations and the review duration.

[0025] In a possible design, the evaluation result is negatively correlated with the distance and the review duration, and the evaluation result is positively correlated with the merchant evaluation, the number of service personnel, and the number of target merchants.

[0026] In a possible design, determining the jurisdiction bank of the target merchant from the total candidate jurisdiction banks includes:

[0027] According to the user's selection operation on the evaluation algorithm, determining one or more target evaluation algorithms selected by the user and the weight of each of the target evaluation algorithms;

[0028] According to the weight of each of the target evaluation algorithms, the evaluation results of the one or more target evaluation algorithms on the second candidate jurisdiction bank are weighted to obtain a comprehensive evaluation result of the one or more target evaluation algorithms on the second candidate jurisdiction bank; the jurisdiction bank of the target merchant is determined based on the total candidate jurisdiction bank with the largest comprehensive evaluation result.

[0029] In a possible design, determining the jurisdiction bank of the target merchant according to the total candidate jurisdiction bank with the largest comprehensive evaluation result includes:

[0030] If there are multiple total candidate jurisdiction banks with the largest comprehensive evaluation result, then display each total candidate jurisdiction bank with the largest comprehensive evaluation result and the evaluation result of each evaluation algorithm on the total candidate jurisdiction bank with the largest comprehensive evaluation result;

[0031] When receiving a user's confirmation operation on any one of the total candidate jurisdiction banks with the largest comprehensive evaluation result, the total candidate jurisdiction bank operated is used as the jurisdiction bank of the target merchant.

[0032] In a second aspect, the present application provides a distribution device for a merchant management bank, including:

[0033] An acquisition module, configured to acquire the merchant information of the target merchant and the branch information of a plurality of preset branches upon receiving at least one target merchant input by the user in the target interface and the distance threshold corresponding to each of the target merchants, wherein each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel;

[0034] A first processing module, configured to evaluate each of the preset branches through multiple evaluation algorithms, the merchant information and the branch information, and obtain evaluation results of each of the evaluation algorithms for each of the preset branches, wherein different evaluation algorithms use different information of the first type and / or different information of the second type, and different evaluation algorithms correspond to different evaluation targets;

[0035] The first processing module is further used to select a plurality of first candidate jurisdiction banks from the plurality of preset branches, the distances from the target merchant being within the corresponding distance threshold;

[0036] A second processing module, configured to select a jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results;

[0037] The second processing module is further used to display the jurisdiction bank information corresponding to each target merchant in the target interface, and the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

[0038] In a third aspect, an embodiment of the present application provides an electronic device comprising: at least one processor and a memory; the memory stores computer-executable instructions; the at least one processor executes the computer-executable instructions stored in the memory, so that the at least one processor executes the method for allocating a merchant's jurisdiction bank as described in the first aspect and various possible designs of the first aspect.

[0039] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When a processor executes the computer execution instructions, the method for allocating a merchant's jurisdiction bank as described in the first aspect and various possible designs of the first aspect is implemented.

[0040] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, it implements the method for allocating merchant jurisdiction banks as described in the first aspect and various possible designs of the first aspect.

[0041] The method, device, equipment and storage medium for allocating merchant jurisdiction banks provided in the present application obtain the merchant information including the location and type of the target merchant, and the branch information including the business evaluation of multiple preset branches, based on the distance threshold corresponding to at least one target merchant and each target merchant input by the user in the target interface. According to the acquired merchant information and multiple branch information, each preset branch is evaluated by different evaluation algorithms, and after obtaining the corresponding evaluation results, the common candidate jurisdiction banks and the total candidate jurisdiction banks are obtained from the multiple preset branches according to the evaluation results. Based on the selection of the target merchant, the jurisdiction bank of the target merchant is determined from the common candidate jurisdiction banks and the total candidate jurisdiction banks, thereby avoiding the allocation only through the default fixed conditions, thereby improving the rationality and matching accuracy of the allocation results, achieving effective cooperation between merchants and jurisdiction banks, and improving the service experience of merchants. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0043] Figure 1 Schematic diagram of the process of allocating merchant management banks provided in the embodiment of the present application Figure 1 ;

[0044] Figure 2 Schematic diagram of the process of allocating merchant management banks provided in the embodiment of the present application Figure 2 ;

[0045] Figure 3 A schematic diagram of the structure of a task scheduling device provided in an embodiment of the present application;

[0046] Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0047] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0048] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0049] In the technical solution of this application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data involved shall comply with the provisions of relevant laws and regulations and shall not violate public order and good morals.

[0050] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0051] First, the terms involved in this application are explained:

[0052] Merchant-managing bank: refers to the bank branch network organization responsible for managing merchants. It can provide merchant supporting services such as store inspections, door-to-door services, remote assistance, and equipment installation to acquiring merchants. It usually has a complete merchant review process and specialists who are familiar with merchant business.

[0053] In the prior art, when the current merchant does not have a clearly designated jurisdiction bank and a corresponding merchant manager, a bank branch is usually assigned to the current merchant as the merchant jurisdiction bank based only on the distance and the default branch. Specifically, the bank branch institution closest to the current merchant address in a straight line is used as the merchant jurisdiction bank. When the closest bank branch institution cannot be matched in the closest distance, the merchant's settlement card account opening bank is used as the jurisdiction bank. If the settlement card account opening bank still does not meet the conditions, such as the settlement card account opening bank does not exist, the bank branch institution designated by the merchant's first-level bank is used as the jurisdiction bank. However, the bank branch institution designated by the first-level bank has a large coverage area and is usually far away from the merchant's business location, so the branch institution still needs to be transferred to other jurisdiction banks.

[0054] The study of the above-mentioned merchant jurisdiction bank allocation process found that in the above-mentioned merchant jurisdiction bank allocation process, since only the fixed information of the merchant and the bank outlet, such as the address and account opening information, is considered, that is, the allocation conditions are rigid and fixed, which may lead to poor experience for the merchant and the jurisdiction bank: for example, the jurisdiction bank with a closer distance but more business volume is allocated to the merchant. Therefore, while the needs of the merchant are not met, the workload of the jurisdiction bank is increased, and the allocation results are unreasonable, so that the merchants and the jurisdiction bank cannot cooperate effectively, and the matching accuracy is low. In order to improve the rationality of the allocation results, it is possible to combine specific situation information such as the business capability information of the branch outlets and the evaluation feedback information of the merchants, dynamically recommend multiple bank outlets to the merchants, and let the merchants choose the target jurisdiction bank from multiple bank outlets, so as to improve the rationality of the allocation results and the matching accuracy, realize the effective cooperation between the merchants and the jurisdiction bank, and improve the service experience of the merchants.

[0055] In view of this, the present application provides a method for allocating a merchant's jurisdiction bank, by obtaining the merchant information including the location and type of the target merchant, and the branch information including the business evaluation of multiple preset branches, and then evaluating each preset branch through different evaluation algorithms according to the acquired merchant information and multiple branch information, and obtaining the corresponding evaluation results, and then obtaining the common candidate jurisdiction bank and the total candidate jurisdiction bank from the multiple preset branches according to the evaluation results. Based on the selection of the target merchant, the jurisdiction bank of the target merchant is determined from the common candidate jurisdiction banks and the total candidate jurisdiction banks, thereby avoiding the allocation of the merchant's jurisdiction bank only by default fixed conditions, thereby improving the rationality and matching accuracy of the jurisdiction bank allocation results, achieving effective cooperation between merchants and jurisdiction banks, and improving the merchant's service experience.

[0056] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0057] Figure 1 Schematic diagram of the process of allocating merchant management banks provided in the embodiment of the present application Figure 1 ,like Figure 1 As shown, the method includes:

[0058] S101. Upon receiving at least one target merchant input by a user in a target interface and a distance threshold corresponding to each of the target merchants, merchant information of the target merchant and branch information of multiple preset branches are obtained, wherein each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel.

[0059] Specifically, when the user needs to determine the jurisdiction bank corresponding to the target merchant, the target merchant's merchant information and distance threshold are input on the target interface of the user terminal, and a jurisdiction bank allocation request is generated based on the merchant information and distance threshold, and sent to the cloud or backend for processing. The distance threshold is a user-defined value, which is used to indicate the target area with the merchant location as the center and the distance threshold as the radius. Multiple preset branches around the target merchant are searched in the target area. When there is no preset branch in the target area, the target area can be expanded by increasing and modifying the distance threshold.

[0060] Furthermore, when the cloud or back-end receives a jurisdiction bank allocation request sent by the user terminal, the merchant information of the target merchant is obtained according to the jurisdiction bank allocation request, and based on the merchant location in the merchant information, multiple preset branches around the target merchant are confirmed, and the branch information of each preset branch is obtained, wherein the jurisdiction merchant information is used to indicate the merchant types under the jurisdiction of each preset branch, such as small and micro merchants or medium-sized merchants and the number of service personnel, and the jurisdiction merchant information also includes the number of merchants corresponding to each merchant type, wherein the number of service personnel is used to indicate the number of staff dedicated to business services in each preset branch.

[0061] S102. Evaluate each of the preset branches through multiple evaluation algorithms, the merchant information and the branch information to obtain evaluation results of each of the evaluation algorithms for each of the preset branches. Different evaluation algorithms use different information of the first type and / or different information of the second type, and different evaluation algorithms correspond to different evaluation targets.

[0062] Specifically, after obtaining the merchant information of the target merchant and the branch information of multiple preset branches, each preset branch is evaluated through different preset evaluation algorithms and based on the merchant information of the target merchant and the branch information of the preset branches to obtain evaluation results corresponding to different evaluation algorithms, wherein the different evaluation algorithms include comprehensive evaluation algorithms, distance evaluation algorithms and service evaluation algorithms.

[0063] Furthermore, the evaluation target of the comprehensive evaluation algorithm indicates that the jurisdiction bank needs to meet the optimal distance, review time and merchant evaluation; the evaluation target of the distance evaluation algorithm indicates that the distance between the jurisdiction bank and the target merchant is the shortest; the service evaluation algorithm conducts a comprehensive evaluation of each preset branch based on the second type of information, so that the evaluation target of the service evaluation algorithm indicates that the jurisdiction bank needs to meet the quality service.

[0064] S103: Select a plurality of first candidate jurisdiction banks from the plurality of preset branches, the distances from the target merchant being within the corresponding distance threshold.

[0065] Specifically, after obtaining the evaluation results corresponding to each preset branch under different evaluation algorithms, the distance between each preset branch and the target merchant is calculated based on the merchant location in the first type of information and the branch location in the second type of information, and the target distance less than the preset distance is obtained, and at least one preset branch corresponding to the target distance is selected as the first candidate jurisdiction bank.

[0066] S104: Selecting a jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to the evaluation results.

[0067] Specifically, after obtaining multiple first candidate jurisdiction banks, each first candidate jurisdiction bank is evaluated through different evaluation algorithms, and the corresponding evaluation results are obtained. Among the evaluation results of each first candidate jurisdiction bank corresponding to each evaluation algorithm, the first candidate jurisdiction bank with the largest evaluation result is used as the second candidate jurisdiction bank. Among them, if there are multiple identical maximum evaluation results in the evaluation results corresponding to the same evaluation algorithm, all the first candidate jurisdiction banks corresponding to the same maximum evaluation result are used as the second candidate jurisdiction bank.

[0068] Furthermore, it is detected whether there is the same jurisdiction bank in each second candidate jurisdiction bank. If there is the same jurisdiction bank, the same jurisdiction bank is used as a common candidate jurisdiction bank, and the common candidate jurisdiction bank is used as the jurisdiction bank of the target merchant.

[0069] S105. Displaying the jurisdiction bank information corresponding to each target merchant in the target interface, wherein the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

[0070] Specifically, after determining the jurisdiction bank of each target merchant, the jurisdiction bank information of each target merchant is obtained, feedback information is generated based on the jurisdiction bank information of each target merchant, and the feedback information is returned to the user terminal to display the jurisdiction bank information corresponding to each target merchant in the target interface of the user terminal, wherein the target interface includes a map display interface, an information interface and an input interface, the map display interface is used to display the location relationship and path information between each jurisdiction bank and each target merchant, the information interface is used to display the jurisdiction bank information of each target merchant, and the input interface is used to obtain the merchant information, distance threshold and confirmation operation information entered by the user.

[0071] The embodiment of the present application provides a method for allocating a merchant's jurisdiction bank, based on at least one target merchant input by a user in a target interface and a distance threshold corresponding to each target merchant, to obtain the merchant information including the location and type of the target merchant, and the branch information including the business evaluation of multiple preset branches, and after obtaining the merchant information and multiple branch information, evaluate each preset branch through different evaluation algorithms, and after obtaining the corresponding evaluation results, obtain the common candidate jurisdiction bank and the total candidate jurisdiction bank from the multiple preset branches according to the evaluation results. Based on the selection of the target merchant, the jurisdiction bank of the target merchant is determined from the common candidate jurisdiction bank and the total candidate jurisdiction bank, thereby avoiding the allocation of the merchant's jurisdiction bank only by default fixed conditions, thereby improving the rationality and matching accuracy of the jurisdiction bank allocation result, achieving effective cooperation between merchants and jurisdiction banks, and improving the merchant's service experience.

[0072] Figure 2 Schematic diagram of the process of allocating merchant management banks provided in the embodiment of the present application Figure 2 ,like Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a method for allocating merchant management banks is described in detail, and the method includes:

[0073] S201. Upon receiving at least one target merchant input by a user in a target interface and a distance threshold corresponding to each of the target merchants, merchant information of the target merchant and branch information of multiple preset branches are obtained, wherein each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel.

[0074] Specifically, the content of this step is the same as that of step S101, and will not be repeated here.

[0075] S202: Determine multiple evaluation parameters required by the multiple evaluation algorithms and the type of information required by each of the evaluation parameters.

[0076] Specifically, for the comprehensive evaluation algorithm, distance evaluation algorithm and service evaluation algorithm, the evaluation target of the comprehensive evaluation algorithm indicates that the jurisdiction bank needs to meet the optimal distance, review time and merchant evaluation. Therefore, the evaluation parameters required by the comprehensive evaluation algorithm include merchant location, branch location, merchant review time and merchant evaluation. The comprehensive evaluation algorithm requires the first type of information and the second type of information.

[0077] Furthermore, the evaluation target of the distance evaluation algorithm indicates that the distance between the jurisdiction bank and the target merchant is the shortest, so the evaluation parameters required by the distance evaluation algorithm include the merchant location and the branch location of each preset branch, so the distance evaluation algorithm also requires the first type and second type information; the evaluation target of the service evaluation algorithm indicates that the jurisdiction bank needs to provide high-quality services, and the evaluation parameters required by the service evaluation algorithm include the number of target merchants, merchant evaluations and review time, so the service evaluation algorithm requires the second type of information to conduct a comprehensive evaluation of each preset branch.

[0078] S203. For each of the preset branches and each of the evaluation parameters, calculate the distance between the target merchant and the preset branch according to the merchant location and the branch location as a sub-result of the evaluation of the preset branch by one of the evaluation parameters.

[0079] Specifically, after obtaining each evaluation algorithm, each preset branch is evaluated by using different first types of information and / or different second types of information through different evaluation algorithms. For each of the preset branches and each evaluation parameter, the evaluation sub-result of the evaluation parameter for the preset branch is calculated based on the target information in the branch information and / or the merchant information corresponding to the information type required by the evaluation parameter.

[0080] Furthermore, when evaluating each preset branch, an evaluation sub-result of each preset branch is obtained based on the merchant location in the first type of information and the branch location in the second type of information, and the distance between the target merchant and each preset branch is indicated by the evaluation sub-result of the location, so that the corresponding evaluation result can be obtained through a comprehensive evaluation algorithm and a distance evaluation algorithm based on the distance indicated by the evaluation sub-result of the location.

[0081] S204: extracting the jurisdiction merchant type and the merchant quantity corresponding to the jurisdiction merchant type from the jurisdiction merchant information, and determining the target merchant quantity corresponding to the jurisdiction merchant type that matches the target merchant type as an evaluation parameter for an evaluation sub-result of the preset branch.

[0082] Specifically, when evaluating each preset branch, the merchant type under the jurisdiction of each preset branch and the merchant number corresponding to each merchant type are obtained according to the target merchant number in the second type information, wherein the merchant type includes small and micro merchants, medium-sized merchants and large merchants. The target merchant type in the first type information is obtained, and based on the target merchant type, the same type is matched among the merchant types under the jurisdiction of each preset branch, and the number of the same merchant type is obtained as an evaluation sub-result based on the merchant type, so that the corresponding evaluation result can be obtained through the service evaluation algorithm based on the evaluation sub-result of the merchant type.

[0083] S205. Calculate the evaluation result of the comprehensive evaluation algorithm on the preset branch according to the distance, the review time, the merchant evaluation and the number of service personnel.

[0084] Specifically, after obtaining the evaluation sub-results, for each preset branch and each evaluation algorithm, the evaluation result of the evaluation algorithm for the preset branch is calculated according to at least one evaluation sub-result of the evaluation algorithm. The evaluation result is negatively correlated with the distance and the audit time, and the evaluation result is positively correlated with the merchant evaluation, the number of service personnel, and the number of target merchants. The multiple evaluation algorithms include at least two of the following three: a comprehensive evaluation algorithm, a distance evaluation algorithm, and a service evaluation algorithm.

[0085] Furthermore, for the comprehensive evaluation algorithm, among each preset branch, each preset branch is sorted in order according to the distance indicated by the distance-based evaluation sub-result, wherein the preset branch with the shortest distance is given a preset score, such as forty points, and the distance and the score are negatively correlated.

[0086] Furthermore, each preset branch is sorted in order according to the audit time, and the audit time of each preset branch is scored, wherein the shortest audit time is scored as thirty points, and the audit time and the score are negatively correlated; the merchant evaluation of each preset branch is scored, if the merchant evaluation is greater than the preset score, such as a preset branch with twenty points, the merchant evaluation and the score are positively correlated; the number of service personnel of each preset branch is scored, wherein the preset branch with the largest number of service personnel is scored as ten points, and the number of service personnel and the score are positively correlated, and the sum of the corresponding scores of the acquisition distance, audit time, merchant evaluation and number of service personnel is calculated as the score, and the preset branch with the highest score and the score are taken as the evaluation results.

[0087] Furthermore, if the distance between the target merchant and a certain outlet is not the shortest, but the other three indicators are the best among the 10 nearby outlets, that is, multiple preset branches, then the outlet, that is, the corresponding preset branch, is provided for the target merchant to choose.

[0088] S206, calculating an evaluation result of the distance evaluation algorithm on the preset branch according to the distance;

[0089] Specifically, for the distance evaluation algorithm, in each preset branch, each preset branch is sorted in order according to the distance indicated by the distance-based evaluation sub-result, wherein the preset branch with the shortest distance is given a preset score, such as 100 points, and the preset branch with the second shortest distance is given a preset score, such as 90 points, and the scores of the remaining preset branches are calculated in this way using arithmetic difference values, and the preset branch and score with the highest score are taken as the corresponding evaluation results.

[0090] S207, calculating the evaluation result of the service evaluation algorithm on the preset branch according to the number of target merchants, the merchant evaluation and the review time;

[0091] Specifically, for the service evaluation algorithm, the preset branches are sorted in order according to the number of target merchants indicated by the evaluation sub-result based on the merchant type, and each preset branch is scored according to the number of target merchants, wherein the preset branch with the largest number of target merchants is scored, for example, thirty points; the preset branch with a review time less than the preset review time, such as eight hours, is scored thirty points, and the preset branch with a review time greater than the preset review time is scored twenty points; the preset branch with a merchant evaluation greater than a preset score, such as ninety points, is scored forty points, and the preset branch with a merchant evaluation less than the preset score is scored twenty points, and the sum of the number of target merchants, the merchant evaluation and the review time is calculated as the score, and the preset branch with the highest score and the score are taken as the evaluation result;

[0092] Furthermore, if the target merchant is a small or micro merchant, among multiple outlets, such as ten outlets, or preset branches, near its business address, outlet A has the largest number of small and micro merchants under its jurisdiction, a shorter review time, and the largest number of merchant managers, then outlet A will be recommended as a high-quality service outlet for the target merchant to choose.

[0093] S208: Select a plurality of first candidate jurisdiction banks from the plurality of preset branches, the distances from the target merchant being within the corresponding distance threshold.

[0094] Specifically, after obtaining the evaluation results corresponding to each preset branch through each evaluation algorithm, the distance between each preset branch and the target merchant is calculated based on the merchant location in the first type of information and the branch location in the second type of information of each preset branch, and among the distances between multiple preset branches and the target merchant, a target distance that is less than the first preset distance, i.e., the distance threshold, is obtained, and a preset branch corresponding to the target distance is used as the first candidate jurisdiction bank.

[0095] Furthermore, if there is no target distance less than the first preset distance, a target distance less than the second preset distance is obtained, and a preset branch corresponding to the target distance is used as the first candidate jurisdiction bank, wherein the second preset distance is greater than the first preset distance to expand the confirmation range of the first candidate jurisdiction bank.

[0096] S209: For each of the evaluation algorithms, select one or more second candidate jurisdictional banks whose evaluation results obtained by the evaluation algorithm are the largest from the multiple first candidate jurisdictional banks.

[0097] Specifically, after obtaining the evaluation results of each evaluation algorithm for each preset branch and the first candidate jurisdiction bank of each evaluation algorithm, at least one second candidate jurisdiction bank is obtained from the first candidate jurisdiction banks of each evaluation algorithm according to the score indicated by the evaluation results of each first candidate jurisdiction bank, wherein the first candidate jurisdiction bank corresponding to the largest score is used as the second candidate jurisdiction bank. If there are multiple evaluation results with the same maximum score at the same time, the first candidate jurisdiction banks corresponding to the multiple largest scores are used as the second candidate jurisdiction bank, that is, multiple second candidate jurisdiction banks are obtained in each evaluation algorithm.

[0098] S210. Determine the common candidate jurisdiction bank of each evaluation algorithm and the total candidate jurisdiction bank of each evaluation algorithm according to the second candidate jurisdiction bank obtained by each evaluation algorithm.

[0099] Specifically, after obtaining at least one second candidate jurisdiction row of each evaluation algorithm, it is detected whether there is the same second candidate jurisdiction row among all the second candidate jurisdiction rows, and the same second candidate jurisdiction row is used as the common candidate jurisdiction row, that is, the common candidate jurisdiction row is the intersection of the second candidate jurisdiction rows obtained by each evaluation algorithm. If there is no same second candidate jurisdiction row, different second candidate jurisdiction rows are used as the total candidate jurisdiction row, that is, the total candidate jurisdiction row is the union of the second candidate jurisdiction rows obtained by each evaluation algorithm.

[0100] S211. If the common candidate banks having jurisdiction exist, one of the common candidate banks having jurisdiction is selected as the target merchant's bank having jurisdiction.

[0101] Specifically, if the same second candidate jurisdiction is detected among all the second candidate jurisdictions and the same second candidate jurisdiction is taken as the common candidate jurisdiction, a common candidate jurisdiction can be randomly obtained from multiple identical common candidate jurisdictions as the jurisdiction of the target merchant. Of course, the common candidate jurisdiction corresponding to the preset evaluation algorithm can also be used as the jurisdiction of the target merchant. If there are multiple identical second candidate jurisdictions, the second candidate jurisdiction corresponding to the comprehensive evaluation algorithm will be designated as the jurisdiction of the target merchant. Of course, the second candidate jurisdiction corresponding to other evaluation algorithms can also be designated as the jurisdiction of the target merchant.

[0102] S212: If the common candidate jurisdiction row does not exist, determine one or more target evaluation algorithms selected by the user and the weight of each target evaluation algorithm according to the user's selection operation on the evaluation algorithm.

[0103] Specifically, if the same second candidate jurisdiction row is not detected among all the second candidate jurisdiction rows, that is, there is no common candidate jurisdiction row, but only different total candidate jurisdiction rows, the user's weighted information on each evaluation algorithm is obtained by responding to the user's selection operation on the evaluation algorithm.

[0104] Among them, the weighted information includes the target evaluation algorithm and target weight selected by the user. The target evaluation algorithm can be at least one of the comprehensive evaluation algorithm, the distance evaluation algorithm and the service evaluation algorithm. Based on the target weight selected by the user, a weighted operation is performed on the evaluation result obtained by the target evaluation algorithm, that is, the score in the evaluation result is weighted.

[0105] S213. According to the weight of each target evaluation algorithm, weight the evaluation results of the one or more target evaluation algorithms on the second candidate bank of jurisdiction to obtain a comprehensive evaluation result of the one or more target evaluation algorithms on the second candidate bank of jurisdiction.

[0106] Specifically, when the target evaluation algorithm is a service evaluation algorithm, and the score in the evaluation result corresponding to the second candidate jurisdiction bank of the service evaluation algorithm is sixty points, the merchant evaluation is weighted by the target weight indication, so that the merchant evaluation score is twenty points multiplied by the weight value of two, to obtain a weighted merchant evaluation score of forty points. Based on the weighted merchant evaluation score, the score in the evaluation result corresponding to the second candidate jurisdiction bank of the service evaluation algorithm is eighty points, that is, the evaluation result of the total candidate jurisdiction bank of the service evaluation algorithm is eighty points, and it is used as the comprehensive evaluation result of the second candidate jurisdiction bank at this time.

[0107] S214, determining the jurisdiction bank of the target merchant according to the total candidate jurisdiction bank with the largest comprehensive evaluation result, and displaying the jurisdiction bank information corresponding to each target merchant in the target interface.

[0108] Specifically, after completing the weighting of the evaluation results of the second candidate jurisdiction bank corresponding to the evaluation algorithm according to the weighting information to obtain the weighted comprehensive evaluation results, it is detected whether there are the same comprehensive evaluation results. If there are comprehensive evaluation results with the same score, that is, if there are multiple total candidate jurisdiction banks with the largest comprehensive evaluation results, then the evaluation results and branch information of each total candidate jurisdiction bank with the largest comprehensive evaluation result and each evaluation algorithm for the total candidate jurisdiction bank with the largest comprehensive evaluation result are displayed on the information interface of the user terminal, and the location relationship and path information of each jurisdiction bank and each target merchant are displayed on the map display interface of the user terminal.

[0109] Furthermore, within the preset selection time, a confirmation operation of the user on one of the general candidate jurisdiction banks is received through the input interface of the user terminal, and the general candidate jurisdiction bank corresponding to the confirmation operation is used as the jurisdiction bank of the corresponding target merchant. If within the preset selection time, no confirmation operation of the user on any second candidate jurisdiction bank is received, any of the general candidate jurisdiction banks is used as the jurisdiction bank of the target merchant, such as the preset branch bank corresponding to the evaluation result corresponding to the comprehensive evaluation algorithm is used as the jurisdiction bank of the target merchant.

[0110] The embodiment of the present application provides a method for allocating a merchant's jurisdiction bank, based on at least one target merchant input by a user in a target interface and a distance threshold corresponding to each target merchant, to obtain the merchant information including the location and type of the target merchant, and the branch information including the business evaluation of multiple preset branches, and to evaluate each preset branch through different evaluation algorithms according to the acquired merchant information and multiple branch information, and after obtaining the corresponding evaluation results, to obtain the common candidate jurisdiction bank and the total candidate jurisdiction bank from the multiple preset branches according to the evaluation results. Based on the selection of the target merchant, the jurisdiction bank of the target merchant is determined from the common candidate jurisdiction bank and the total candidate jurisdiction bank, thereby avoiding the allocation of the merchant's jurisdiction bank only by default fixed conditions, thereby improving the rationality and matching accuracy of the jurisdiction bank allocation result, achieving effective cooperation between merchants and jurisdiction banks, and improving the merchant's service experience.

[0111] Figure 3 This is a schematic diagram of the structure of the allocation device of the merchant management bank provided in the embodiment of the present application. Figure 3 As shown, the device 30 includes: an acquisition module 301 , a first processing module 302 , and a second processing module 303 .

[0112] The acquisition module 301 is used to obtain the merchant information of the target merchant and the branch information of multiple preset branches when receiving at least one target merchant input by the user in the target interface and the distance threshold corresponding to each of the target merchants, each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel.

[0113] The first processing module 302 is used to evaluate each of the preset branches through multiple evaluation algorithms, the merchant information and the branch information, and obtain the evaluation results of each of the evaluation algorithms on each of the preset branches. Different evaluation algorithms use different first type of information and / or different second type of information, and different evaluation algorithms correspond to different evaluation targets.

[0114] The first processing module 302 is further configured to select, from the plurality of preset branches, a plurality of first candidate jurisdictional banks whose distances from the target merchant are within the corresponding distance threshold.

[0115] The second processing module 303 is used to select the jurisdiction bank of the target merchant from the multiple first candidate jurisdiction banks according to each of the evaluation results.

[0116] The second processing module 303 is further used to display the jurisdiction bank information corresponding to each target merchant in the target interface, and the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

[0117] The first processing module 302 is specifically used to select, for each of the evaluation algorithms, one or more second candidate jurisdiction lines with the largest evaluation result obtained by the evaluation algorithm from the multiple first candidate jurisdiction lines, and determine the common candidate jurisdiction line of each evaluation algorithm and the total candidate jurisdiction line of each evaluation algorithm according to the second candidate jurisdiction lines obtained by each evaluation algorithm, wherein the common candidate jurisdiction line is the intersection of the second candidate jurisdiction lines obtained by each evaluation algorithm, and the total candidate jurisdiction line is the union of the second candidate jurisdiction lines obtained by each evaluation algorithm;

[0118] If there are common candidate jurisdiction banks, one of the common candidate jurisdiction banks is used as the jurisdiction bank of the target merchant;

[0119] If the common candidate jurisdiction bank does not exist, the jurisdiction bank of the target merchant is determined from the total candidate jurisdiction banks.

[0120] A first processing module 302 is specifically used to determine a plurality of evaluation parameters required by the plurality of evaluation algorithms and a type of information required by each of the evaluation parameters;

[0121] For each of the preset branches and each of the evaluation parameters, calculating the evaluation sub-result of the evaluation parameter for the preset branch according to the target information corresponding to the information type required by the evaluation parameter in the branch information and / or the merchant information;

[0122] For each of the preset branches and each of the evaluation algorithms, an evaluation result of the evaluation algorithm on the preset branch is calculated according to at least one evaluation sub-result of the evaluation algorithm.

[0123] A first processing module 302 is specifically configured to calculate the distance between the target merchant and the preset branch according to the merchant location and the branch location, as an evaluation sub-result of the evaluation parameter for the preset branch;

[0124] The jurisdiction merchant type and the merchant quantity corresponding to the jurisdiction merchant type are extracted from the jurisdiction merchant information, and the target merchant quantity corresponding to the jurisdiction merchant type matching the target merchant type is determined as an evaluation sub-result of the evaluation parameter for the preset branch.

[0125] The multiple evaluation algorithms include at least two of the following three: a comprehensive evaluation algorithm, a distance evaluation algorithm, and a service evaluation algorithm. The first processing module 302 is specifically used to calculate the evaluation result of the comprehensive evaluation algorithm on the preset branch according to the distance, the review time, the merchant evaluation, and the number of service personnel; and / or,

[0126] According to the distance, calculating the evaluation result of the distance evaluation algorithm on the preset branch; and / or,

[0127] The evaluation result of the service evaluation algorithm on the preset branch is calculated according to the number of target merchants, the merchant evaluations and the review duration.

[0128] The evaluation result in the first processing module 302 is negatively correlated with the distance and the review time, and the evaluation result is positively correlated with the merchant evaluation, the number of service personnel, and the number of target merchants.

[0129] The second processing module 303 is specifically used to determine one or more target evaluation algorithms selected by the user and the weight of each target evaluation algorithm according to the user's selection operation on the evaluation algorithm;

[0130] According to the weight of each of the target evaluation algorithms, the evaluation results of the one or more target evaluation algorithms on the second candidate jurisdiction bank are weighted to obtain a comprehensive evaluation result of the one or more target evaluation algorithms on the second candidate jurisdiction bank; the jurisdiction bank of the target merchant is determined based on the total candidate jurisdiction bank with the largest comprehensive evaluation result.

[0131] The second processing module 303 is specifically used to display each of the total candidate jurisdiction banks with the largest comprehensive evaluation result and the evaluation result of each evaluation algorithm on the total candidate jurisdiction bank with the largest comprehensive evaluation result if there are multiple total candidate jurisdiction banks with the largest comprehensive evaluation result;

[0132] When receiving a user's confirmation operation on any one of the total candidate jurisdiction banks with the largest comprehensive evaluation result, the total candidate jurisdiction bank operated is used as the jurisdiction bank of the target merchant.

[0133] The merchant jurisdiction bank allocation device provided in the embodiment of the present application can be used to implement the technical solution of the merchant jurisdiction bank allocation method in the above embodiment. Its implementation principle and technical effect are similar and will not be repeated here.

[0134] It should be noted that it should be understood that the division of the various modules of the above device is only a division of logical functions. In actual implementation, they can be fully or partially integrated into one physical entity, or they can be physically separated. And these modules can all be implemented in the form of software called by processing elements; they can also be all implemented in the form of hardware; some modules can also be implemented in the form of software called by processing elements, and some modules can be implemented in the form of hardware. For example, the processing module can be a separately established processing element, or it can be integrated in a chip of the above device. In addition, it can also be stored in the memory of the above device in the form of program code, and called and executed by a processing element of the above device. The implementation of other modules is similar. In addition, these modules can be fully or partially integrated together, or they can be implemented independently. The processing element here can be an integrated circuit with signal processing capabilities. In the implementation process, each step of the above method or each module above can be completed by an integrated logic circuit of hardware in the processor element or instructions in the form of software.

[0135] Figure 4 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 4 As shown, the electronic device may include: a transceiver 401 , a processor 402 and a memory 403 .

[0136] The processor 402 executes the computer execution instructions stored in the memory, so that the processor 402 executes the scheme in the above embodiment. The processor 402 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or other programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components.

[0137] The memory 403 is connected to the processor 402 via a system bus and completes communication between them. The memory 403 is used to store computer program instructions.

[0138] The transceiver 401 may be used to obtain tasks to be executed and configuration information of the tasks to be executed.

[0139] The system bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus. The system bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The transceiver is used to realize the communication between the database access device and other computers (such as clients, read-write libraries, and read-only libraries).

[0140] The memory may include random access memory (RAM) and may also include non-volatile memory (VNM).

[0141] The embodiment of the present application also provides a chip for running instructions, which is used to execute the technical solution of the method for allocating the merchant's jurisdiction bank in the above embodiment.

[0142] The embodiment of the present application also provides a computer-readable storage medium, in which computer instructions are stored. When the computer instructions are executed on a computer, the computer executes the technical solution of the method for allocating merchant jurisdiction banks in the above embodiment.

[0143] An embodiment of the present application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. At least one processor can read the computer program from the computer-readable storage medium. When at least one processor executes the computer program, it can implement the technical solution of the merchant jurisdiction bank allocation method in the above embodiment.

[0144] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0145] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to implement the solution of this embodiment.

[0146] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0147] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0148] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The storage medium can be any available medium that can be accessed by a general or special purpose computer.

[0149] An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic control unit or a main control device.

[0150] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0151] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for allocating merchant management banks, characterized in that: include: Upon receiving at least one target merchant input by the user in the target interface and a distance threshold corresponding to each of the target merchants, merchant information of the target merchant and branch information of a plurality of preset branches are obtained, wherein each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel; Each of the preset branches is evaluated by using multiple evaluation algorithms, the merchant information and the branch information to obtain an evaluation result of each of the evaluation algorithms on each of the preset branches, wherein different evaluation algorithms use different information of the first type and / or different information of the second type, and different evaluation algorithms correspond to different evaluation targets; Selecting a plurality of first candidate jurisdiction banks from the plurality of preset branches whose distances from the target merchant are within the corresponding distance threshold; Selecting the jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results; The target interface displays the jurisdiction bank information corresponding to each target merchant, and the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

2. The method according to claim 1, characterized in that The step of selecting the jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results includes: For each of the evaluation algorithms, one or more second candidate jurisdiction lines with the largest evaluation result obtained by the evaluation algorithm are selected from the multiple first candidate jurisdiction lines, and the common candidate jurisdiction line of each evaluation algorithm and the total candidate jurisdiction line of each evaluation algorithm are determined according to the second candidate jurisdiction lines obtained by each evaluation algorithm, wherein the common candidate jurisdiction line is the intersection of the second candidate jurisdiction lines obtained by each evaluation algorithm, and the total candidate jurisdiction line is the union of the second candidate jurisdiction lines obtained by each evaluation algorithm; If there are common candidate jurisdiction banks, one of the common candidate jurisdiction banks is used as the jurisdiction bank of the target merchant; If the common candidate jurisdiction bank does not exist, the jurisdiction bank of the target merchant is determined from the total candidate jurisdiction banks.

3. The method according to claim 1, characterized in that The step of evaluating each of the preset branches by using multiple evaluation algorithms, the merchant information, and the branch information to obtain evaluation results of each of the evaluation algorithms for each of the preset branches includes: Determining a plurality of evaluation parameters required by the plurality of evaluation algorithms and a type of information required by each of the evaluation parameters; For each of the preset branches and each of the evaluation parameters, calculating the evaluation sub-result of the evaluation parameter for the preset branch according to the target information corresponding to the information type required by the evaluation parameter in the branch information and / or the merchant information; For each of the preset branches and each of the evaluation algorithms, an evaluation result of the evaluation algorithm on the preset branch is calculated according to at least one evaluation sub-result of the evaluation algorithm.

4. The method according to claim 3, characterized in that The step of calculating the evaluation sub-result of the evaluation parameter for the preset branch based on the target information corresponding to the information type required by the evaluation parameter in the branch information and / or the merchant information includes: Calculate the distance between the target merchant and the preset branch according to the merchant location and the branch location, and use it as an evaluation sub-result of the evaluation parameter for the preset branch; The jurisdiction merchant type and the merchant quantity corresponding to the jurisdiction merchant type are extracted from the jurisdiction merchant information, and the target merchant quantity corresponding to the jurisdiction merchant type matching the target merchant type is determined as an evaluation sub-result of the evaluation parameter for the preset branch.

5. The method according to claim 4, characterized in that The multiple evaluation algorithms include at least two of the following three: a comprehensive evaluation algorithm, a distance evaluation algorithm, and a service evaluation algorithm; the evaluation result of the evaluation algorithm for the preset branch is calculated according to at least one evaluation sub-result of the evaluation algorithm, including: Calculate the evaluation result of the comprehensive evaluation algorithm on the preset branch according to the distance, the review time, the merchant evaluation and the number of service personnel; and / or, According to the distance, calculating the evaluation result of the distance evaluation algorithm on the preset branch; and / or, The evaluation result of the service evaluation algorithm on the preset branch is calculated according to the number of target merchants, the merchant evaluations and the review duration.

6. The method according to claim 5, characterized in that The evaluation result is negatively correlated with the distance and the review duration, and is positively correlated with the merchant evaluation, the number of service personnel, and the number of target merchants.

7. The method according to claim 1, characterized in that The step of determining the jurisdiction bank of the target merchant from the total candidate jurisdiction banks includes: According to the user's selection operation on the evaluation algorithm, determining one or more target evaluation algorithms selected by the user and the weight of each of the target evaluation algorithms; According to the weight of each of the target evaluation algorithms, the evaluation results of the one or more target evaluation algorithms on the second candidate jurisdiction bank are weighted to obtain a comprehensive evaluation result of the one or more target evaluation algorithms on the second candidate jurisdiction bank; the jurisdiction bank of the target merchant is determined based on the total candidate jurisdiction bank with the largest comprehensive evaluation result.

8. The method according to claim 7, characterized in that The determining the jurisdiction bank of the target merchant according to the largest total candidate jurisdiction bank according to the comprehensive evaluation result includes: If there are multiple total candidate jurisdiction banks with the largest comprehensive evaluation result, then display each total candidate jurisdiction bank with the largest comprehensive evaluation result and the evaluation result of each evaluation algorithm on the total candidate jurisdiction bank with the largest comprehensive evaluation result; When receiving a user's confirmation operation on any one of the total candidate jurisdiction banks with the largest comprehensive evaluation result, the total candidate jurisdiction bank operated is used as the jurisdiction bank of the target merchant.

9. A distribution device for a merchant's jurisdiction bank, characterized in that: include: An acquisition module, configured to acquire the merchant information of the target merchant and the branch information of a plurality of preset branches upon receiving at least one target merchant input by the user in the target interface and the distance threshold corresponding to each of the target merchants, wherein each of the merchant information includes at least one of the following first type of information: merchant location, target merchant type, and each of the branch information includes at least one of the following second type of information: branch location, jurisdiction merchant information, merchant review time, merchant evaluation, and number of service personnel; A first processing module, configured to evaluate each of the preset branches through multiple evaluation algorithms, the merchant information and the branch information, and obtain evaluation results of each of the evaluation algorithms for each of the preset branches, wherein different evaluation algorithms use different information of the first type and / or different information of the second type, and different evaluation algorithms correspond to different evaluation targets; The first processing module is further used to select a plurality of first candidate jurisdiction banks from the plurality of preset branches, the distances from the target merchant being within the corresponding distance threshold; A second processing module, configured to select a jurisdiction bank of the target merchant from the plurality of first candidate jurisdiction banks according to each of the evaluation results; The second processing module is further used to display the jurisdiction bank information corresponding to each target merchant in the target interface, and the jurisdiction bank information includes at least one of the following: the branch information corresponding to the jurisdiction bank, and the path information from the target merchant to the jurisdiction bank.

10. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 8 when executed by a processor.

12. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 8 when being executed by a processor.

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