Method and device for determining financial network address, and computer program product

Abstract

The invention discloses a financial website address determination method and device and a computer program product, and relates to the field of financial science and technology, and the determination method comprises the steps: determining a plurality of candidate website addresses in a preset region, and determining a plurality of condition elements of each candidate website address; scoring and vectorizing each condition element to obtain a condition element vector; determining the linkage cost based on all the obtained cooperation frequencies between every two stock network points; determining a plurality of sub-services based on the service target, and determining the weight of each condition element for the sub-services; determining a cooperation relationship between every two sub-services, and determining a proportion weight of each sub-service in the service target; and determining a target website address of the financial website based on all the condition element vectors, all the linkage costs, all the weights, all the cooperation relationships and all the proportion weights. According to the invention, the technical problem that the financial network address cannot be accurately determined in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular, to a method for determining the address of a financial outlet, an apparatus thereof, and a computer program product. Background Art

[0002] To ensure customer flow and revenue at physical branches, financial institutions currently rely on manual evaluations of various locational factors to determine location choices. However, when faced with multiple potential locations in an area, accurately selecting the optimal one for branch location may be impossible. Furthermore, relying on manual evaluations of location advantages and disadvantages to determine branch location strategies can result in branches failing to achieve expected revenue or effectiveness, resulting in increased sunk costs and low revenue efficiency, which in turn impacts the overall performance of the financial institution.

[0003] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0004] The embodiments of the present invention provide a method for determining a financial outlet address, an apparatus thereof, and a computer program product thereof, to at least solve the technical problem in related arts that the financial outlet address cannot be accurately determined.

[0005] According to one aspect of an embodiment of the present application, a method for determining a financial outlet address is provided, comprising: determining a set of candidate outlet addresses for financial outlets within a preset area, and determining multiple conditional elements for each candidate outlet address in the set of candidate outlet addresses; scoring each conditional element to obtain a score value, and vectorizing all the score values ​​to obtain a conditional element vector for each candidate outlet address; obtaining the frequency of cooperation between every two existing outlets within the preset area, and determining, based on all cooperation frequencies, a linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet, wherein an existing outlet refers to an outlet that is currently providing financial services within the preset area, and the linkage cost is the amount of resources consumed when two outlets cooperate; determining, based on the business objectives of the financial outlet, multiple sub-businesses, and determining a weight for each conditional element with respect to the sub-business; determining a cooperative relationship between every two sub-businesses, and determining a weighted proportion of each sub-business in the business objectives; and determining a target outlet address for the financial outlet based on all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all weighted proportions.

[0006] Furthermore, based on all cooperation frequencies, the step of determining the linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet includes: determining the historical linkage cost between each two existing outlets based on the cooperation frequency between each two existing outlets; for each candidate outlet, judging whether there is cooperative linkage between the candidate outlet and each existing outlet; in the case that there is no cooperative linkage between the candidate outlet and each existing outlet, sorting the historical linkage costs of all existing outlets to obtain a sorted set; and determining the linkage cost based on the sorted set.

[0007] Furthermore, based on the business objectives of the financial outlets, multiple sub-businesses are determined, and the steps of determining the weight of each conditional factor on the sub-business include: dividing the business objectives to obtain multiple sub-businesses; for each sub-business, determining the impact level of each conditional factor on the sub-business; and based on all impact levels, determining the weight of each conditional factor on the sub-business.

[0008] Furthermore, before determining the weight of each sub-business in the business objectives, it also includes: constructing a sub-business relationship diagram based on the cooperative relationship between every two sub-businesses and each sub-business; based on the sub-business relationship diagram, determining the link relationship between every two sub-businesses; based on all link relationships, determining a link matrix.

[0009] Furthermore, the step of determining the proportion weight of each sub-business in the business goal includes: initializing the weight of each sub-business to obtain an initial weight vector; determining a first preset matrix, and processing the first preset matrix to obtain a transposed matrix of the first preset matrix; determining the number of sub-businesses, and determining a transfer matrix based on the number, link matrix, first preset matrix, transposed matrix and preset constant; adjusting the initial weight vector based on the transfer matrix to obtain a first preset weight vector; calculating the difference between the first preset weight vector and the initial weight vector, and determining whether the difference is less than a preset difference threshold; if the difference is not less than the preset difference threshold, adjusting the first preset weight vector based on the transfer matrix to obtain a second preset weight vector; continuing to calculate the difference between the second preset weight vector and the first preset weight vector until the difference is less than the preset difference threshold to obtain a target weight vector; normalizing the target weight vector to obtain a proportion weight.

[0010] Furthermore, the step of determining the target outlet address of the financial outlet based on all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights includes: encoding each candidate outlet address to obtain an initialized outlet population; selecting multiple candidate outlet addresses from the initialized outlet population based on the number of sub-businesses to obtain an initial outlet set; allocating each sub-business to a candidate outlet corresponding to each candidate outlet address in the initial outlet set to obtain multiple preset allocation schemes; calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights; and determining the target outlet address based on all comprehensive fitness values.

[0011] Furthermore, the step of determining the target network point address based on all comprehensive fitness values ​​includes: calculating the fitness mean of each preset allocation scheme based on all comprehensive fitness values; sorting all comprehensive fitness values ​​to obtain the maximum comprehensive fitness value; determining the crossover probability and the mutation probability based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, wherein the crossover probability is used to control whether to perform cross processing on the preset allocation scheme, the crossover processing is used to adjust the allocation of candidate network points and sub-businesses between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate network point address and the sub-business in at least one preset allocation scheme; and determining the target network point address based on the crossover probability and the mutation probability.

[0012] Furthermore, before calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights, it also includes: for each preset allocation scheme, based on all cooperative relationships, determining the target sub-business set, wherein each target sub-business in the target sub-business set is assigned a candidate outlet; calculating the sum of the linkage costs between the candidate outlets corresponding to all target sub-businesses to obtain the target linkage cost; for each preset allocation scheme, calculating the target performance quality evaluation value based on all conditional element vectors, all weights and all proportion weights.

[0013] Furthermore, the step of calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperation relationships and all proportion weights includes: sorting all preset allocation schemes based on the target linkage cost to obtain a first sorting set; sorting all preset allocation schemes based on the target performance quality evaluation value to obtain a second sorting set; determining the target linkage cost sorting position of each preset allocation scheme based on the first sorting set, and determining the target linkage cooperation cost fitness of each preset allocation scheme based on the target linkage cost sorting position; determining the target performance quality evaluation sorting position of each preset allocation scheme based on the second sorting set, and determining the target performance quality fitness of each preset allocation scheme based on the target performance quality evaluation sorting position; determining the comprehensive fitness value of each preset allocation scheme based on the target linkage cooperation cost fitness and the target performance quality fitness.

[0014] According to another aspect of an embodiment of the present application, a device for determining a financial outlet address is provided, comprising: a first determining unit, configured to determine a set of candidate outlet addresses of financial outlets within a preset area, and to determine a plurality of conditional elements for each candidate outlet address in the set of candidate outlet addresses; a first scoring unit, configured to score each conditional element to obtain a score value, and to vectorize all the score values ​​to obtain a conditional element vector for each candidate outlet address; a first acquiring unit, configured to acquire the frequency of cooperation between every two existing outlets within the preset area, and to determine, based on all the cooperation frequencies, the frequency of cooperation between each candidate outlet address and each existing outlet address; The linkage cost between existing outlets is defined as the linkage cost between existing outlets, where existing outlets refer to outlets that are providing financial services in a preset area, and the linkage cost is the resource consumption generated when every two outlets cooperate with each other; the second determination unit is used to determine multiple sub-businesses based on the business objectives of the financial outlets, and determine the weight of each conditional factor to the sub-business; the third determination unit is used to determine the cooperative relationship between every two sub-businesses, and determine the proportion weight of each sub-business in the business objectives; the fourth determination unit is used to determine the target outlet address of the financial outlet based on all conditional factor vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights.

[0015] Furthermore, the first acquisition unit includes: a first determination module, used to determine the historical linkage cost between each two existing outlets based on the frequency of cooperation between each two existing outlets; a first judgment module, used to determine, for each candidate outlet, whether there is cooperative linkage between the candidate outlet and each existing outlet; a first sorting module, used to sort the historical linkage costs of all existing outlets to obtain a sorted set when there is no cooperative linkage between the candidate outlet and each existing outlet; and a second determination module, used to determine the linkage cost based on the sorted set.

[0016] Furthermore, the second determination unit includes: a first division module, used to divide the business objectives to obtain multiple sub-businesses; a third determination module, used to determine the impact level of each conditional factor on the sub-business for each sub-business; and a fourth determination module, used to determine the weight of each conditional factor on the sub-business based on all impact levels.

[0017] Furthermore, the device for determining the address of a financial outlet also includes: a first construction module, used to construct a sub-business relationship diagram based on the cooperative relationship between every two sub-businesses and each sub-business before determining the proportion weight of each sub-business in the business goal; a fifth determination module, used to determine the link relationship between every two sub-businesses based on the sub-business relationship diagram; and a sixth determination module, used to determine the link matrix based on all link relationships.

[0018] Furthermore, the third determination unit includes: a first initialization module, used to initialize the weight of each sub-service to obtain an initial weight vector; a first processing module, used to determine a first preset matrix and process the first preset matrix to obtain a transposed matrix of the first preset matrix; a seventh determination module, used to determine the number of sub-services and determine a transfer matrix based on the number, the link matrix, the first preset matrix, the transposed matrix and the preset constant; a first adjustment module, used to adjust the initial weight vector based on the transfer matrix to obtain a first preset weight vector; a second judgment module, used to calculate the difference between the first preset weight vector and the initial weight vector, and determine whether the difference is less than a preset difference threshold; a second adjustment module, used to adjust the first preset weight vector based on the transfer matrix when the difference is not less than the preset difference threshold to obtain a second preset weight vector; a first calculation module, used to continue calculating the difference between the second preset weight vector and the first preset weight vector until the difference is less than the preset difference threshold to obtain a target weight vector; and a second processing module, used to normalize the target weight vector to obtain a proportion weight.

[0019] Furthermore, the fourth determination unit includes: a first encoding module, used to encode each candidate network address to obtain an initialized network population; a first selection module, used to select multiple candidate network addresses from the initialized network population based on the number of sub-businesses to obtain an initial network set; a first allocation module, used to allocate each sub-business to a candidate network corresponding to each candidate network address in the initial network set to obtain multiple preset allocation schemes; a second calculation module, used to calculate the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights; an eighth determination module, used to determine the target network address based on all comprehensive fitness values.

[0020] Furthermore, the eighth determination module includes: a first calculation submodule, used to calculate the fitness mean of each preset allocation scheme based on all comprehensive fitness values; a first sorting submodule, used to sort all comprehensive fitness values ​​to obtain the maximum comprehensive fitness value; a first determination submodule, used to determine the crossover probability and the mutation probability based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, wherein the crossover probability is used to control whether to perform cross-processing on the preset allocation scheme, the cross-processing is used to adjust the allocation of candidate outlets and sub-services between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate outlet address and the sub-service in at least one preset allocation scheme; a second determination submodule, used to determine the target outlet address based on the crossover probability and the mutation probability.

[0021] Furthermore, the device for determining the address of a financial outlet also includes: a ninth determination module, which is used to determine a target sub-business set for each preset allocation scheme based on all cooperative relationships before calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights, wherein each target sub-business in the target sub-business set is assigned a candidate outlet; a third calculation module, which is used to calculate the sum of the linkage costs between the candidate outlets corresponding to all target sub-businesses to obtain the target linkage cost; and a fourth calculation module, which is used to calculate the target performance quality evaluation value for each preset allocation scheme based on all conditional element vectors, all weights, and all proportion weights.

[0022] Furthermore, the second calculation module includes: a second sorting submodule, used to sort all preset allocation schemes based on the target linkage cost to obtain a first sorting set; a third sorting submodule, used to sort all preset allocation schemes based on the target performance quality evaluation value to obtain a second sorting set; a third determination submodule, used to determine the target linkage cost sorting position of each preset allocation scheme based on the first sorting set, and determine the target linkage cooperation cost fitness of each preset allocation scheme based on the target linkage cost sorting position; a fourth determination submodule, used to determine the target performance quality evaluation sorting position of each preset allocation scheme based on the second sorting set, and determine the target performance quality fitness of each preset allocation scheme based on the target performance quality evaluation sorting position; a fifth determination submodule, used to determine the comprehensive fitness value of each preset allocation scheme based on the target linkage cooperation cost fitness and the target performance quality fitness.

[0023] According to another aspect of an embodiment of the present application, a computer program product is also provided, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements any of the above-mentioned methods for determining the address of a financial outlet.

[0024] According to another aspect of an embodiment of the present application, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any one of the above-mentioned methods for determining the address of a financial outlet.

[0025] In the present invention, a set of candidate outlet addresses of financial outlets in a preset area is determined, and multiple conditional elements of each candidate outlet address in the set of candidate outlet addresses are determined; each conditional element is scored to obtain a score value, and all the score values ​​are vectorized to obtain a conditional element vector of each candidate outlet address; the frequency of cooperation between every two existing outlets in the preset area is obtained, and based on all cooperation frequencies, the linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet is determined; based on the business objectives of the financial outlet, multiple sub-businesses are determined, and the weight of each conditional element to the sub-business is determined; the cooperation relationship between every two sub-businesses is determined, and the proportion weight of each sub-business in the business objectives is determined; based on all conditional element vectors, all linkage costs, all weights, all cooperation relationships and all proportion weights, the target outlet address of the financial outlet is determined, which solves the technical problem in the related art that the address of the financial outlet cannot be accurately determined.

[0026] In the present invention, a set of candidate locations for financial outlets within a predetermined area is determined, multiple conditional factors for each candidate location are collected, and each conditional factor is scored to obtain a score. All score values ​​are then vectorized to obtain a conditional factor vector for each candidate location. The frequency of cooperation among all operating outlets within the predetermined area is then calculated, and the cost of cooperation between each candidate outlet and existing outlets is calculated based on the frequency of cooperation. Furthermore, based on the business objectives of the financial outlet, several sub-businesses are subdivided, and the weight of each conditional factor for each sub-business is quantified. The interdependencies between the sub-businesses are then analyzed, cooperation relationships between the businesses are established, and the weight of each sub-business relative to the business objectives is calculated. Combining all conditional factor vectors, all linkage costs, all weights, all cooperation relationships, and all weights, an algorithmic analysis is performed to obtain the target address of the financial outlet. By quantifying the conditional factors, business requirements, and cost-effectiveness of cooperation among the candidate outlets, the accuracy and rationality of financial outlet site selection are ensured, reliance on manual evaluation is reduced, and automatic selection of outlet addresses is achieved, thereby achieving the technical effect of improving the accuracy of determining financial outlet addresses. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0028] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for determining a financial outlet address is shown;

[0029] Figure 2 is a flowchart of a method for determining a financial outlet address according to Example 1 of the present application;

[0030] Figure 3 is a schematic diagram of an optional linkage cost between existing outlets according to an embodiment of the present application;

[0031] Figure 4 is a schematic diagram of an optional sub-service relationship according to an embodiment of the present application;

[0032] Figure 5 is a flowchart of an optional web page ranking algorithm according to an embodiment of the present application;

[0033] Figure 6 This is an optional flow chart of determining a network point address based on a genetic algorithm according to an embodiment of the present application;

[0034] Figure 7 is a schematic diagram of an optional device for determining a financial outlet address according to an embodiment of the present application;

[0035] Figure 8 This is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0036] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0037] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0038] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) collected and involved in the present invention are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set up between this system and the relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or institution.

[0039] In the present invention, since manual selection of financial outlet addresses is uncertain, the present invention quantitatively evaluates the objective conditions of candidate addresses, such as traffic flow, location, etc., and assesses the sub-business set and the correlation between sub-businesses under the business objectives. It applies a web page sorting algorithm to calculate the weight of the sub-business, uses a genetic algorithm to optimize outlet selection and task allocation, selects the best address and task matching through population genetic operations, and adjusts the algorithm parameters according to population diversity. This can complete the outlet site selection more efficiently and conveniently and ensure the completion of business objectives.

[0040] The present invention will be described in detail below with reference to various embodiments.

[0041] Example 1

[0042] According to an embodiment of the present application, an embodiment of a method for determining the address of a financial outlet is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0043] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for determining a financial outlet address is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera, wherein the network interface may be connected to a wired and / or wireless network. It will be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components than shown, or with Figure 1 Different configurations shown.

[0044] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuitry may be a single independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0045] Memory 104 can be used to store software programs and modules for application software, such as the program instructions / data storage device corresponding to the method for determining a financial outlet address in the embodiments of the present application. Processor 102 executes the software programs and modules stored in memory 104 to perform various functional applications and data processing, thereby implementing the aforementioned method for determining a financial outlet address. Memory 104 can include high-speed random access memory (RAM) and non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 can further include memory remotely located from processor 102, which can be connected to computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0046] The transmission device 106 is configured to receive or transmit data via a network. A specific example of the aforementioned network may include a wireless network provided by the communications provider of the computer terminal 10. In one embodiment, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to enable communication with the Internet. In another embodiment, the transmission device 106 may be a radio frequency (RF) module, which is configured to communicate with the Internet wirelessly.

[0047] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0048] Under the above operating environment, this application provides Figure 2 The method for determining the address of the financial branch shown. Figure 2 is a flow chart of the method for determining the address of a financial outlet according to Example 1 of the present application, as shown in FIG. Figure 2 As shown, the method includes the following steps:

[0049] Step S201 : determining a set of candidate financial outlet addresses within a preset area, and determining a plurality of conditional elements for each candidate financial outlet address in the set of candidate financial outlet addresses.

[0050] In an embodiment of the present invention, candidate branch addresses of financial branches within a preset area (i.e., the geographical scope of the planned branches, such as a district in a city) can be screened out through market research, geographic information system analysis, and the like, to obtain a set of candidate branch addresses. For each candidate branch address, the surrounding environment's pedestrian density, site value, target customer group distribution, rental levels, and future development potential are collected and analyzed. This information can be obtained through field visits, big data analysis, and expert evaluation.

[0051] Step S202 : Score each conditional element to obtain a score value, and vectorize all the score values ​​to obtain a conditional element vector of each candidate network point address.

[0052] In an embodiment of the present invention, a set of scoring criteria is constructed based on the collected conditional factors. Each conditional factor is scored according to its importance to the network point, such as using "poor", "medium", "good", "excellent", "excellent", etc., or directly using numerical scores. All the scoring values ​​of each candidate network point address are converted into a vector, namely the conditional factor vector. For example, the conditional factor vector P of candidate network point address A is A =(0.7,0.7,0.3,0.3). Scoring and vectorization enable the quantification of complex geographical and socioeconomic conditions, facilitating unified comparison and analysis of subsequent models.

[0053] Step S203: Obtain the frequency of cooperation between every two existing outlets in the preset area, and determine the linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet based on all cooperation frequencies, wherein the existing outlet refers to the outlet that is providing financial services in the preset area, and the linkage cost is the resource consumption generated when every two outlets cooperate.

[0054] In an embodiment of the present invention, based on historical data and the operating records of existing outlets, the frequency of cooperation between outlets that are providing financial services in a preset area (i.e., existing outlets) is counted, including but not limited to jointly hosting activities, sharing resources, etc., and statistical results or model predictions can be used to evaluate the additional costs that may be incurred when new outlets (i.e., candidate outlets) cooperate with existing outlets, including logistics costs, communication costs, and potential customer diversion costs, etc., so as to quantify the linkage costs.

[0055] Step S204: Based on the business objectives of the financial outlet, a plurality of sub-businesses are determined, and the weight of each condition factor to the sub-business is determined.

[0056] In an embodiment of the present invention, the main business objectives of financial outlets are clearly established, such as improving customer experience, expanding market share, etc., and the business objectives are broken down into multiple sub-businesses, such as customer service optimization, high-end customer acquisition, and enhanced community coverage.

[0057] In an embodiment of the present invention, for each sub-business, it is possible to determine through expert evaluation, market research and data analysis which conditional factors are more critical to the realization of the sub-business, and assign a higher weight accordingly, and vice versa. By splitting the sub-businesses and evaluating the impact of environmental factors, the importance of each conditional factor is clarified, which can improve the targetedness of financial outlet site selection and business matching.

[0058] For example, a business goal is divided into 4 sub-businesses, where the weight of the conditional factor for sub-business 1 is TW1 = (0, 0, 0.4, 0.6), indicating that to complete the sub-business, the required values ​​for traffic and rent are 0, the required value for location is 0.4, and the required value for development potential is 0.6.

[0059] Step S205 : determining the cooperation relationship between every two sub-businesses, and determining the weight of each sub-business in the business goal.

[0060] In the embodiment of the present invention, the interdependence (ie, cooperation) between different sub-businesses can be analyzed, and the weight of each task in the business goal can be obtained according to PageRank (web page ranking algorithm).

[0061] For example, there is a cooperative relationship between sub-service 1 (ie, T1) and sub-service 2 (ie, T2), and the cooperative relationship (R) can be quantified, such as R(T1, T2)=1, indicating that sub-service 1 and sub-service 2 need to cooperate.

[0062] Step S206 : determining the target branch address of the financial branch based on all condition factor vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights.

[0063] In an embodiment of the present invention, all the aforementioned analysis results are comprehensively utilized, a genetic algorithm or other optimization algorithm is adopted, and the conditional element vectors of all candidate branch addresses, the linkage costs, the weights of the sub-businesses, and the weights of the sub-businesses in the business objectives are considered at the same time. Through multiple rounds of iteration and optimization, a branch layout plan that can maximize the business objectives and minimize the linkage costs is found, and finally the optimal address of the financial branch (i.e., the target branch address) is output.

[0064] In summary, by collecting candidate outlet addresses and their environmental condition factors within a preset area and quantifying and scoring each condition factor, a condition factor vector is formed. Then, by analyzing the frequency of cooperation between existing outlets, the cost of linkage cooperation between old and new outlets, namely the linkage cost, is quantified to evaluate the resource consumption efficiency of different outlet combinations. Then, according to the business objectives of the financial outlets, they are subdivided into multiple sub-businesses, and the weight of each condition factor on the sub-business, as well as the proportion of the sub-business in the business objectives, are determined. Afterwards, by combining all condition factor vectors, linkage costs, weights, cooperation relationships, and proportion weights, a genetic algorithm is used to optimize the outlet layout plan, and finally the target outlet address is determined to achieve the optimization of the outlet layout, thereby solving the technical problem that the relevant technologies cannot accurately determine the addresses of financial outlets.

[0065] In order to accurately determine the linkage cost, in the method for determining the address of a financial outlet provided in Example 1 of the present application, the historical linkage cost between each two existing outlets is determined based on the frequency of cooperation between each two existing outlets; for each candidate outlet, it is determined whether there is a cooperative linkage between the candidate outlet and each existing outlet; in the case that there is no cooperative linkage between the candidate outlet and each existing outlet, the historical linkage costs of all existing outlets are sorted to obtain a sorted set; based on the sorted set, the linkage cost is determined.

[0066] In an embodiment of the present invention, by analyzing the business transaction data between existing outlets recorded in the internal database of financial outlets, such as shared customer resources, collaborative activities or technical support collaboration, the number of collaborations between each two outlets in the past period of time is counted, and based on the frequency of collaboration and the human, material and financial resources required for each collaboration, the historical linkage cost is evaluated, that is, the average or cumulative resource consumption when each two outlets cooperate.

[0067] In an embodiment of the present invention, for each candidate outlet, it is determined whether there is cooperative linkage between the candidate outlet and each existing outlet. If there is no cooperative linkage between the candidate outlet and each existing outlet, the historical linkage costs of all existing outlets are sorted to obtain a sorted set, and the largest historical linkage cost in the sorted set is determined as the linkage cost (CM) between each candidate outlet and each existing outlet.

[0068] For example, Figure 3 is a schematic diagram of an optional linkage cost between existing outlets according to an embodiment of the present application, such as Figure 3 As shown, there are four existing outlets (a, b, c, d) and one candidate outlet e. The linkage costs between the two existing outlets are CM ab =3,CM ac =7,CM ad =1,CM bc =4,CMbd =1,CM cd =5, since candidate outlet e has never cooperated with any existing outlets, the maximum value of the historical linkage costs of all existing outlets (CM max =CM ac =7) Determine the linkage cost between candidate outlet e and other existing outlets, such as CM ae =CM max =7.

[0069] In order to accurately determine the weight of each conditional factor on the sub-business, in the method for determining the address of a financial outlet provided in Example 1 of the present application, the business objectives are divided to obtain multiple sub-businesses; for each sub-business, the impact level of each conditional factor on the sub-business is determined; and based on all impact levels, the weight of each conditional factor on the sub-business is determined.

[0070] In an embodiment of the present invention, the business objectives are divided to obtain multiple sub-businesses. For example, "improving customer experience" can be subdivided into sub-businesses such as "improving customer satisfaction", "reducing customer waiting time", and "providing personalized services". For each sub-business, the influence of different conditional factors on its achievement of business objectives is analyzed. For example, for the sub-business of "improving customer satisfaction", pedestrian density may be an important factor, while location value and rental cost may be secondary factors. By conducting field surveys, market research and data analysis on these factors, the impact level of each conditional factor on the sub-business is quantified (such as low, medium, high, etc., or directly assigning a numerical value), and the impact level of all conditional factors is converted into weight values. The weight value can be set according to the relative size of the impact level. For example, a high-level impact is set to a higher weight, and a low-level impact is set to a lower weight.

[0071] In order to accurately determine the link matrix, in the method for determining the address of a financial outlet provided in Example 1 of the present application, a sub-business relationship graph is constructed based on the cooperative relationship between each two sub-businesses and each sub-business; based on the sub-business relationship graph, the link relationship between each two sub-businesses is determined; and based on all the link relationships, a link matrix is ​​determined.

[0072] In the embodiment of the present invention, a sub-business relationship diagram can be constructed based on the cooperation relationship between every two sub-businesses and each sub-business, such as Figure 4 As shown, Figure 4 is a schematic diagram of an optional sub-business relationship according to an embodiment of the present application. Figure 4 In the example, there is a cooperative relationship between sub-business T1 and sub-business T2, a cooperative relationship between sub-business T1 and sub-business T3, a cooperative relationship between sub-business T2 and sub-business T3, and a cooperative relationship between sub-business T3 and sub-business T4.

[0073] In the embodiment of the present invention, the link relationship between every two sub-services is determined according to the sub-service relationship diagram, and the link matrix S is determined according to all the link relationships, such as Figure 4 As shown, the total number of links of sub-business T1 is 2 (connected to sub-business T2 and sub-business T3 respectively), the total number of links of sub-business T2 is 2 (connected to sub-business T1 and sub-business T3 respectively), the total number of links of sub-business T3 is 3 (connected to sub-business T1, sub-business T2 and sub-business T4 respectively), and the total number of links of sub-business T4 is 1 (connected to sub-business T3). For the first row of the link matrix S, it means that the link between T1 and T1 itself is 0, and T1 accounts for 1% of the total links of T2. T1 accounts for the total number of links in T3 T1 accounts for 0 of the total links of T4, and so on to get the value of each row of the matrix, so as to get the link matrix

[0074] In order to accurately obtain the proportion weight, in the method for determining the address of a financial outlet provided in Example 1 of the present application, the weight of each sub-business is initialized to obtain an initial weight vector; a first preset matrix is ​​determined, and the first preset matrix is ​​processed to obtain a transposed matrix of the first preset matrix; the number of sub-businesses is determined, and a transfer matrix is ​​determined based on the number, the link matrix, the first preset matrix, the transposed matrix and the preset constant; based on the transfer matrix, the initial weight vector is adjusted to obtain a first preset weight vector; the difference between the first preset weight vector and the initial weight vector is calculated, and it is determined whether the difference is less than a preset difference threshold; if the difference is not less than the preset difference threshold, the first preset weight vector is adjusted based on the transfer matrix to obtain a second preset weight vector; the difference between the second preset weight vector and the first preset weight vector is continued to be calculated until the difference is less than the preset difference threshold to obtain a target weight vector; the target weight vector is normalized to obtain the proportion weight.

[0075] In the embodiment of the present invention, weights of all sub-services are initialized. Since the exact importance of each sub-service cannot be determined initially, the weights can be set to the same value. For example, if there are 5 sub-services in total, the initial weight vector can be set to Determine a first preset matrix (such as E, where all elements in each column of E are 1), and process the first preset matrix to obtain a transposed matrix of the first preset matrix (E T ), determine the number of sub-services (such as K), and determine the transfer matrix according to the number, the link matrix (S), the first preset matrix, the transposed matrix and the preset constant (α)

[0076] In the embodiment of the present invention, the initial weight vector (such as ) is adjusted to obtain the first preset weight vector Calculate the difference between the first preset weight vector and the initial weight vector, and determine whether the difference is less than the preset difference threshold. If the difference is not less than the preset difference threshold, adjust the first preset weight vector according to the transfer matrix to obtain the second preset weight vector. Continue to calculate the difference between the second preset weight vector and the first preset weight vector (i.e., continue to iteratively calculate the preset weight vector of the new round) until the difference between the current preset weight vector and the previous round of preset weight vector is less than the preset difference threshold (a pre-set constant value, such as ε), and the target weight vector can be obtained. The target weight vector is normalized so that the sum of the weight values ​​is 1, and the proportion weight is obtained.

[0077] Figure 5 is a flow chart of an optional web page ranking algorithm according to an embodiment of the present application, such as Figure 5 As shown, first, initialize the task weight value to obtain the initial weight vector, then calculate the transfer matrix A, and iteratively calculate the new task weight value through the transfer matrix (adjust the first preset weight vector), obtain the second preset weight vector, and judge (i.e., determine whether the difference is less than the preset difference threshold). If the difference is not less than the preset difference threshold, re-iterate and calculate the new task weight value until the difference is less than the preset difference threshold, obtain the target weight vector, and normalize the target weight vector to obtain the proportion weight.

[0078] In order to accurately determine the target branch address, in the method for determining the financial branch address provided in Example 1 of the present application, each candidate branch address is encoded to obtain an initialized branch population; based on the number of sub-businesses, multiple candidate branch addresses are selected from the initialized branch population to obtain an initial branch set; each sub-business is respectively assigned to a candidate branch corresponding to each candidate branch address in the initial branch set to obtain multiple preset allocation schemes; based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights, the comprehensive fitness value of each preset allocation scheme is calculated; based on all comprehensive fitness values, the target branch address is determined.

[0079] Optionally, the candidate network point addresses can be logically encoded to convert the address information into computer-recognizable digital or symbolic codes to facilitate subsequent algorithm processing. Each code represents a unique candidate network point address, forming an initialized network point population, that is, a set of all possible network point addresses.

[0080] In an embodiment of the present invention, based on the number of sub-services, a corresponding number of candidate network point addresses are randomly selected from the initialized network point population to obtain an initial network point set. A genetic algorithm is used for random allocation to ensure that each sub-service is assigned to at least one candidate network point. Through different random allocations, multiple preset allocation schemes are generated. Each scheme represents a possible sub-service-network address matching method, providing multiple starting points to increase the probability of the algorithm finding the optimal solution.

[0081] In the embodiment of the present invention, for each preset allocation scheme, the condition factor vector (i.e., the objective conditions for network site selection), linkage cost (cost of cooperation between network points), weight of sub-business (importance of condition factor to sub-business), cooperation relationship between sub-businesses and proportion weight (proportion of sub-business in business objectives) are comprehensively considered to calculate its comprehensive fitness value (e.g., the comprehensive fitness value Fit (Team) of the xth preset allocation scheme). x )), based on all comprehensive fitness values, a genetic algorithm is used to determine the final target network address.

[0082] In order to improve the accuracy of determining the target branch address, in the method for determining the financial branch address provided in Example 1 of the present application, based on all comprehensive fitness values, the fitness mean of each preset allocation scheme is calculated; all comprehensive fitness values ​​are sorted to obtain the maximum comprehensive fitness value; based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, the crossover probability and the mutation probability are determined, wherein the crossover probability is used to control whether to perform cross processing on the preset allocation scheme, the crossover processing is used to adjust the allocation of candidate branches and sub-businesses between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate branch address and the sub-business in at least one preset allocation scheme; based on the crossover probability and the mutation probability, the target branch address is determined.

[0083] In the embodiment of the present invention, the fitness mean of each preset allocation scheme is calculated based on all comprehensive fitness values. avg ), and sort the comprehensive fitness values ​​of all preset allocation schemes to obtain the maximum comprehensive fitness value (such as Fit max ), and determine the crossover probability and mutation probability based on the comprehensive fitness value, fitness mean, and maximum comprehensive fitness value.

[0084] For example, the crossover probability between the xth preset allocation scheme and the yth preset allocation scheme is

[0085] Among them, w represents a constant, max(Fit(Team x ),Fit(Team y)) represents the maximum value of the comprehensive fitness of the xth preset allocation scheme and the comprehensive fitness of the yth preset allocation scheme. Among them, Fit (Team z ) represents the comprehensive fitness value of the z-th preset allocation scheme, and α is a constant).

[0086] In an embodiment of the present invention, in each generation of the genetic algorithm, a preset allocation scheme is randomly selected for crossover or mutation based on the calculated crossover and mutation probabilities. Crossover involves combining two schemes to generate a new scheme by exchanging some genes (i.e., the assignment of candidate nodes to sub-services). Mutation involves modifying randomly selected genes within a single scheme, changing the pairing relationship between one or more candidate node addresses and sub-services. After multiple iterations, when conditions are met (e.g., reaching N genetic iterations, or when the average fitness between two iterations is not significantly different), the final population (i.e., the target node addresses) is obtained.

[0087] Figure 6 This is an optional flow chart of determining a network point address based on a genetic algorithm according to an embodiment of the present application. Figure 6 As shown, first, the individuals are encoded to obtain the initialized population, and then the fitness (i.e., comprehensive fitness value) is calculated based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights. Then, based on all comprehensive fitness values, the fitness mean of each preset allocation scheme is calculated, and all comprehensive fitness values ​​are sorted to obtain the maximum comprehensive fitness value. Based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, the crossover probability and the mutation probability are determined. Based on the crossover probability and the mutation probability, population crossover and population mutation are performed to obtain a new generation of population. Then, it is determined whether the termination condition is met. If the termination condition is met, the member allocation result (i.e., the target network address) is obtained. If the termination condition is not met, the fitness is recalculated.

[0088] In order to accurately calculate the target performance quality evaluation value, in the method for determining the financial outlet address provided in Example 1 of the present application, for each preset allocation scheme, a target sub-business set is determined based on all cooperative relationships, wherein each target sub-business in the target sub-business set is assigned a candidate outlet; the sum of the linkage costs between the candidate outlets corresponding to all target sub-businesses is calculated to obtain the target linkage cost; for each preset allocation scheme, the target performance quality evaluation value is calculated based on all conditional element vectors, all weights and all proportion weights.

[0089] In an embodiment of the present invention, for each preset allocation scheme, a target sub-business set is determined based on all cooperative relationships (i.e., there is a cooperative relationship between the sub-businesses in the set. For example, there are 4 sub-businesses (1, 2, 3, 4), and each sub-business is allocated to a different candidate outlet. Among them, there is a cooperative relationship between sub-business 1 and sub-business 2, and there is no cooperative relationship between the other sub-businesses. Then, the target sub-business set includes sub-business 1 and sub-business 2).

[0090] In the embodiment of the present invention, the sum of the linkage costs between candidate outlets corresponding to all target sub-businesses is calculated to obtain the target linkage cost (CM(Team), Where K represents the number of sub-services, i, j = 1 represents the first sub-service, do(T i )=I m Indicates the candidate network point I m Assign sub-business T i ,do(T j )=I n Indicates the candidate network point I n Assign sub-business T j , R(T i ,T j )=1 means sub-service T i With sub-business T j There is a cooperative relationship between CM(I m ,I n ) represents candidate network point I m With candidate site I n linkage costs between them).

[0091] In the embodiment of the present invention, for each preset allocation scheme, the target performance quality evaluation value (QS(Team)) is calculated based on all condition factor vectors, all weights and all proportion weights. Where K represents the number of sub-services, i=1 represents the first sub-service, do(T i )=I m Indicates the candidate network point I m Assign sub-business T i , M means there are M conditional elements, P=1 means the first conditional element, Represents the conditional element vector of candidate network point m, TW i p Indicates the weight of condition factor P on the i-th sub-business, nw i Indicates the weight of the i-th sub-business in the business goal, Indicates dot I m Completed the task T i the quality level, Indicates dot I mProvides an assessment of the quality of performance towards business objectives).

[0092] In order to accurately determine the comprehensive fitness value of each preset allocation plan, in the method for determining the address of a financial outlet provided in Example 1 of the present application, all preset allocation plans are sorted based on the target linkage cost to obtain a first sorting set; based on the target performance quality evaluation value, all preset allocation plans are sorted to obtain a second sorting set; based on the first sorting set, the target linkage cost sorting position of each preset allocation plan is determined, and based on the target linkage cost sorting position, the target linkage cooperation cost fitness of each preset allocation plan is determined; based on the second sorting set, the target performance quality evaluation sorting position of each preset allocation plan is determined, and based on the target performance quality evaluation sorting position, the target performance quality fitness of each preset allocation plan is determined; based on the target linkage cooperation cost fitness and the target performance quality fitness, the comprehensive fitness value of each preset allocation plan is determined.

[0093] In an embodiment of the present invention, the comprehensive fitness requires minimizing the linkage cost and maximizing the performance quality evaluation value. According to the target linkage cost, all preset allocation schemes can be sorted (such as ascending order, the closer the target linkage cost is, the smaller it is) to obtain a first sorting set, and according to the target performance quality evaluation value, all preset allocation schemes can be sorted (such as descending order, the closer the target performance quality evaluation value is, the larger it is) to obtain a second sorting set.

[0094] For example, the population individual Team z The ranking position of the target linkage cost is expressed by R CM (Team z ) represents the ranking position of the target performance quality evaluation value, and R QS (Team z ) indicates that the target linkage cost is sorted in ascending order to obtain the first sorted set. If the target linkage cost is lower, the target linkage cost is ranked higher, then R CM (Team z ) is smaller, the target performance quality evaluation value is sorted in descending order to obtain the second sorted set. If the target performance quality evaluation value is higher, the ranking position of the target performance quality evaluation value is higher, then R QS (Team z ) value is smaller.

[0095] In the embodiment of the present invention, in the first sorting set, each preset allocation scheme will occupy a specific sorting position according to the size of its target linkage cost, reflecting the performance of the scheme in terms of linkage cost control. According to the first sorting set, the target linkage cost sorting position of each preset allocation scheme can be determined (for example, the lower the target linkage cost, the higher the sorting position of the target linkage cost, and the higher the target linkage cost, the higher the target linkage cost). The smaller the value of , and according to the target linkage cost ranking position, the target linkage cooperation cost fitness of each preset allocation scheme can be determined (such as the target linkage cooperation cost fitness of the zth preset allocation scheme Fit CM (Team z ), Wherein, G represents the number of preset allocation schemes, k represents a constant, and 1 represents that the preset allocation scheme is located first in the first sorted set).

[0096] In the embodiment of the present invention, in the second sorting set, each preset allocation scheme obtains a sorting position according to the size of its target performance quality evaluation value, reflecting its relative performance in improving performance quality. According to the second sorting set, the target performance quality evaluation sorting position of each preset allocation scheme is determined (for example, the lower the target performance quality evaluation value, the higher the sorting position of the target performance quality evaluation value, the higher the ranking position of the target performance quality evaluation value). The smaller the value of ), and according to the ranking position of the target performance quality evaluation, the target performance quality fitness of each preset allocation scheme can be determined (such as the target linkage cooperation cost fitness of the zth preset allocation scheme Fit QS (Team z ), Wherein, G represents the number of preset allocation schemes, k represents a constant, and 1 represents that the preset allocation scheme is the first one in the second sorted set).

[0097] In the embodiment of the present invention, the comprehensive fitness value of each preset allocation scheme (such as the comprehensive fitness value Fit(Team z ), Fit(Team z )=Fit CM (Team z )+Fit QS (Team z )), achieving a refined balance between cost and benefit in the site selection of financial outlets, and effectively improving the market adaptability and overall operational efficiency of the outlet layout.

[0098] The method for determining the address of a financial outlet provided in the embodiment of the present application can form a horizontal vector of conditional factors by quantitatively scoring the objective conditions of the candidate outlet addresses, and at the same time evaluate the linkage costs between outlets, divide the business objectives, obtain multiple sub-businesses, and determine the weight of each conditional factor to the sub-business. Then, the PageRank algorithm is used to determine the weight ratio of each sub-business in the overall goal. After that, a genetic algorithm is used to optimize the preset allocation plan, comprehensively considering the economy of the outlet layout and the business collaboration efficiency, and calculating the comprehensive fitness value of each preset allocation plan through double sorting of the target linkage cost and the target performance quality evaluation value. Then, the crossover and mutation probabilities are dynamically adjusted by calculating the fitness mean and the maximum comprehensive fitness value, so as to realize the scientific and intelligent selection of financial outlet settings and improve the efficiency and accuracy of outlet site selection decisions.

[0099] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0100] Example 2

[0101] The present application also provides a device for determining a financial outlet address. It should be noted that the device for determining a financial outlet address in the present application can be used to execute the method for determining a financial outlet address provided in the present application. The following describes the device for determining a financial outlet address provided in the present application.

[0102] According to an embodiment of the present application, a device for implementing the above-mentioned method for determining the address of a financial outlet is also provided. Figure 7 is a schematic diagram of an optional device for determining a financial outlet address according to an embodiment of the present application, such as Figure 7 As shown, the device for determining the address of a financial outlet may include: a first determining unit 70 , a first scoring unit 71 , a first acquiring unit 72 , a second determining unit 73 , a third determining unit 74 , and a fourth determining unit 75 .

[0103] The first determining unit 70 is configured to determine a set of candidate network address of financial network outlets within a preset area, and determine a plurality of conditional elements for each candidate network address in the set of candidate network address;

[0104] The first scoring unit 71 is configured to score each conditional element to obtain a score value, and vectorize all the score values ​​to obtain a conditional element vector for each candidate network point address;

[0105] The first acquisition unit 72 is configured to acquire the frequency of cooperation between every two existing outlets in a preset area, and determine, based on all the cooperation frequencies, a linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet, wherein an existing outlet is an outlet that is currently providing financial services in the preset area, and the linkage cost is the amount of resources consumed when each two outlets cooperate;

[0106] A second determining unit 73 is configured to determine a plurality of sub-businesses based on the business objectives of the financial outlet, and to determine a weight of each condition factor for the sub-business;

[0107] The third determining unit 74 is used to determine the cooperation relationship between every two sub-businesses and determine the weight of each sub-business in the business goal;

[0108] The fourth determining unit 75 is configured to determine a target branch address of a financial branch based on all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights.

[0109] The apparatus for determining a financial outlet address provided in an embodiment of the present application can determine a set of candidate outlet addresses of financial outlets within a preset area through a first determining unit 70, and determine multiple conditional elements for each candidate outlet address in the set of candidate outlet addresses. A first scoring unit 71 can score each conditional element to obtain a score value, and all score values ​​can be vectorized to obtain a conditional element vector for each candidate outlet address. A first obtaining unit 72 can obtain the frequency of cooperation between every two existing outlets within the preset area, and based on all cooperation frequencies, determine the linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet. A second determining unit 73 can determine multiple sub-businesses based on the business objectives of the financial outlet, and determine the weight of each conditional element for the sub-businesses. A third determining unit 74 can determine the cooperative relationship between every two sub-businesses, and determine the weight of each sub-business in the business objectives. A fourth determining unit 75 can determine the target outlet address of the financial outlet based on all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all weights.

[0110] Optionally, the first acquisition unit includes: a first determination module, used to determine the historical linkage cost between each two existing outlets based on the frequency of cooperation between each two existing outlets; a first judgment module, used to determine, for each candidate outlet, whether there is cooperative linkage between the candidate outlet and each existing outlet; a first sorting module, used to sort the historical linkage costs of all existing outlets to obtain a sorted set when there is no cooperative linkage between the candidate outlet and each existing outlet; and a second determination module, used to determine the linkage cost based on the sorted set.

[0111] Optionally, the second determination unit includes: a first division module, used to divide the business objectives to obtain multiple sub-businesses; a third determination module, used to determine the impact level of each conditional factor on the sub-business for each sub-business; and a fourth determination module, used to determine the weight of each conditional factor on the sub-business based on all impact levels.

[0112] Optionally, the device for determining the address of a financial outlet also includes: a first construction module, used to construct a sub-business relationship diagram based on the cooperative relationship between every two sub-businesses and each sub-business before determining the proportion weight of each sub-business in the business goal; a fifth determination module, used to determine the link relationship between every two sub-businesses based on the sub-business relationship diagram; and a sixth determination module, used to determine the link matrix based on all link relationships.

[0113] Optionally, the third determination unit includes: a first initialization module, used to initialize the weight of each sub-service to obtain an initial weight vector; a first processing module, used to determine a first preset matrix and process the first preset matrix to obtain a transposed matrix of the first preset matrix; a seventh determination module, used to determine the number of sub-services, and determine a transfer matrix based on the number, the link matrix, the first preset matrix, the transposed matrix and the preset constant; a first adjustment module, used to adjust the initial weight vector based on the transfer matrix to obtain a first preset weight vector; a second judgment module, used to calculate the difference between the first preset weight vector and the initial weight vector, and determine whether the difference is less than a preset difference threshold; a second adjustment module, used to adjust the first preset weight vector based on the transfer matrix when the difference is not less than the preset difference threshold to obtain a second preset weight vector; a first calculation module, used to continue calculating the difference between the second preset weight vector and the first preset weight vector until the difference is less than the preset difference threshold to obtain a target weight vector; and a second processing module, used to normalize the target weight vector to obtain a proportion weight.

[0114] Optionally, the fourth determination unit includes: a first encoding module, used to encode each candidate network address to obtain an initialized network population; a first selection module, used to select multiple candidate network addresses from the initialized network population based on the number of sub-businesses to obtain an initial network set; a first allocation module, used to allocate each sub-business to a candidate network corresponding to each candidate network address in the initial network set to obtain multiple preset allocation schemes; a second calculation module, used to calculate the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships and all proportion weights; an eighth determination module, used to determine the target network address based on all comprehensive fitness values.

[0115] Optionally, the eighth determination module includes: a first calculation submodule, used to calculate the fitness mean of each preset allocation scheme based on all comprehensive fitness values; a first sorting submodule, used to sort all comprehensive fitness values ​​to obtain the maximum comprehensive fitness value; a first determination submodule, used to determine the crossover probability and the mutation probability based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, wherein the crossover probability is used to control whether to perform cross-processing on the preset allocation scheme, the cross-processing is used to adjust the allocation of candidate outlets and sub-services between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate outlet address and the sub-service in at least one preset allocation scheme; a second determination submodule, used to determine the target outlet address based on the crossover probability and the mutation probability.

[0116] Optionally, the device for determining the address of a financial outlet also includes: a ninth determination module, which is used to determine a target sub-business set for each preset allocation scheme based on all cooperative relationships before calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights, wherein each target sub-business in the target sub-business set is assigned a candidate outlet; a third calculation module, which is used to calculate the sum of the linkage costs between the candidate outlets corresponding to all target sub-businesses to obtain the target linkage cost; and a fourth calculation module, which is used to calculate the target performance quality evaluation value for each preset allocation scheme based on all conditional element vectors, all weights, and all proportion weights.

[0117] Optionally, the second calculation module includes: a second sorting submodule, used to sort all preset allocation schemes based on the target linkage cost to obtain a first sorting set; a third sorting submodule, used to sort all preset allocation schemes based on the target performance quality evaluation value to obtain a second sorting set; a third determination submodule, used to determine the target linkage cost sorting position of each preset allocation scheme based on the first sorting set, and determine the target linkage cooperation cost fitness of each preset allocation scheme based on the target linkage cost sorting position; a fourth determination submodule, used to determine the target performance quality evaluation sorting position of each preset allocation scheme based on the second sorting set, and determine the target performance quality fitness of each preset allocation scheme based on the target performance quality evaluation sorting position; a fifth determination submodule, used to determine the comprehensive fitness value of each preset allocation scheme based on the target linkage cooperation cost fitness and the target performance quality fitness.

[0118] The above-mentioned financial outlet address determination device may further include a processor and a memory. The above-mentioned first determination unit 70, first scoring unit 71, first acquisition unit 72, second determination unit 73, third determination unit 74, fourth determination unit 75, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to implement corresponding functions.

[0119] The processor includes a core that retrieves the corresponding program unit from memory. One or more cores can be configured, and kernel parameters are adjusted to determine the target financial outlet address based on all conditional element vectors, all linkage costs, all weights, all partnerships, and all proportion weights.

[0120] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0121] It should be noted that the first determination unit 70, the first scoring unit 71, the first acquisition unit 72, the second determination unit 73, the third determination unit 74, and the fourth determination unit 75 correspond to steps S201 to S206 in Example 1. The examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the above Example 1. It should be noted that the above units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above units can also be part of the device and can be run in the computer terminal 10 provided in Example 1.

[0122] Example 3

[0123] The embodiment of the present application may provide a computer terminal, which may be any computer terminal device in a computer terminal group. Optionally, in this embodiment, the computer terminal may also be replaced by a terminal device such as a mobile terminal or an electronic device.

[0124] Optionally, in this embodiment, the computer terminal may be located in at least one network device among a plurality of network devices of a computer network.

[0125] In this embodiment, the computer terminal may execute program code for the following steps in the method for determining a financial outlet address: determining a set of candidate outlet addresses for financial outlets within a preset area, and determining multiple conditional elements for each candidate outlet address in the set of candidate outlet addresses; scoring each conditional element to obtain a score value, and vectorizing all the score values ​​to obtain a conditional element vector for each candidate outlet address; obtaining the frequency of cooperation between every two existing outlets within the preset area, and determining, based on all the cooperation frequencies, a linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet, wherein an existing outlet refers to an outlet currently providing financial services within the preset area, and the linkage cost is the amount of resources consumed when two outlets cooperate; determining, based on the business objectives of the financial outlet, multiple sub-businesses, and determining a weight for each conditional element with respect to the sub-business; determining a cooperative relationship between every two sub-businesses, and determining a weighted contribution of each sub-business to the business objectives; and determining a target outlet address for the financial outlet based on all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the weighted contributions.

[0126] Optionally, the computer terminal may execute the program code of the following steps in the method for determining the address of a financial outlet: determining the historical linkage cost between each two existing outlets based on the frequency of cooperation between each two existing outlets; for each candidate outlet, determining whether there is cooperative linkage between the candidate outlet and each existing outlet; in the case that there is no cooperative linkage between the candidate outlet and each existing outlet, sorting the historical linkage costs of all existing outlets to obtain a sorted set; and determining the linkage cost based on the sorted set.

[0127] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial branch: dividing the business objectives to obtain multiple sub-businesses; for each sub-business, determining the impact level of each conditional factor on the sub-business; based on all impact levels, determining the weight of each conditional factor on the sub-business.

[0128] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial branch: constructing a sub-business relationship graph based on the cooperative relationship between every two sub-businesses and each sub-business; determining the link relationship between every two sub-businesses based on the sub-business relationship graph; and determining a link matrix based on all link relationships.

[0129] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial branch: initialize the weight of each sub-business to obtain an initial weight vector; determine a first preset matrix, and process the first preset matrix to obtain a transposed matrix of the first preset matrix; determine the number of sub-businesses, and determine a transfer matrix based on the number, link matrix, first preset matrix, transposed matrix and preset constant; adjust the initial weight vector based on the transfer matrix to obtain a first preset weight vector; calculate the difference between the first preset weight vector and the initial weight vector, and determine whether the difference is less than a preset difference threshold; if the difference is not less than the preset difference threshold, adjust the first preset weight vector based on the transfer matrix to obtain a second preset weight vector; continue to calculate the difference between the second preset weight vector and the first preset weight vector until the difference is less than the preset difference threshold to obtain a target weight vector; normalize the target weight vector to obtain a proportion weight.

[0130] Optionally, the computer terminal may execute the program code of the following steps in the method for determining the address of a financial outlet: encoding each candidate outlet address to obtain an initialized outlet population; selecting multiple candidate outlet addresses from the initialized outlet population based on the number of sub-businesses to obtain an initial outlet set; assigning each sub-business to a candidate outlet corresponding to each candidate outlet address in the initial outlet set to obtain multiple preset allocation schemes; calculating the comprehensive fitness value of each preset allocation scheme based on all preset allocation schemes, all conditional element vectors, all linkage costs, all weights, all cooperative relationships, and all proportion weights; and determining the target outlet address based on all comprehensive fitness values.

[0131] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial outlet: based on all comprehensive fitness values, calculate the fitness mean of each preset allocation scheme; sort all comprehensive fitness values ​​to obtain the maximum comprehensive fitness value; based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, determine the crossover probability and the mutation probability, wherein the crossover probability is used to control whether to perform cross processing on the preset allocation scheme, the crossover processing is used to adjust the allocation of candidate outlets and sub-businesses between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate outlet addresses and sub-businesses in at least one preset allocation scheme; determine the target outlet address based on the crossover probability and the mutation probability.

[0132] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial outlet: for each preset allocation scheme, based on all cooperative relationships, determine a target sub-business set, wherein each target sub-business in the target sub-business set is assigned a candidate outlet; calculate the sum of the linkage costs between the candidate outlets corresponding to all target sub-businesses to obtain the target linkage cost; for each preset allocation scheme, calculate the target performance quality evaluation value based on all conditional element vectors, all weights and all proportion weights.

[0133] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the method for determining the address of a financial branch: based on the target linkage cost, all preset allocation plans are sorted to obtain a first sorting set; based on the target performance quality evaluation value, all preset allocation plans are sorted to obtain a second sorting set; based on the first sorting set, the target linkage cost sorting position of each preset allocation plan is determined, and based on the target linkage cost sorting position, the target linkage cooperation cost fitness of each preset allocation plan is determined; based on the second sorting set, the target performance quality evaluation sorting position of each preset allocation plan is determined, and based on the target performance quality evaluation sorting position, the target performance quality fitness of each preset allocation plan is determined; based on the target linkage cooperation cost fitness and the target performance quality fitness, the comprehensive fitness value of each preset allocation plan is determined.

[0134] Optionally, Figure 8 This is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 8 As shown, the electronic device may include: one or more ( Figure 8 Only one is shown) processor 802, memory 804, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0135] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the method and apparatus for determining a financial outlet address in the embodiments of the present application. The processor executes the software programs and modules stored in the memory to perform various functional applications and data processing, thereby implementing the aforementioned method for determining a financial outlet address. The memory can include high-speed random access memory (RAM) and can also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory can further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0136] The processor may call the information and application program stored in the memory through the transmission device to execute the above steps in the above method for determining the address of the financial outlet.

[0137] The embodiment of the present application provides a solution for determining the addresses of financial outlets. By comprehensively applying genetic algorithms and address condition analysis, the objective conditions of candidate outlets and the linkage effects between outlets can be scientifically quantified. This not only ensures the rationality of the outlet layout, but also promotes effective collaboration between outlets, significantly reduces operating costs, and achieves precise site selection and maximized efficiency of financial outlets, thereby solving the technical problem in related technologies that cannot accurately determine the addresses of financial outlets.

[0138] It can be understood by those skilled in the art that Figure 8 The structure shown is for illustration only, and the electronic device may also be a terminal device such as a smart phone, a tablet computer, a PDA, or a mobile Internet device (MID). Figure 8 It does not limit the structure of the above electronic device. For example, the electronic device may also include Figure 8 More or fewer components (such as network interfaces, display devices, etc.) shown in, or with Figure 8 Different configurations shown.

[0139] A person skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0140] Example 4

[0141] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the method for determining the address of a financial outlet provided in the first embodiment.

[0142] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0143] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of the method for determining the address of a financial outlet.

[0144] The serial numbers of the above embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0145] In the above embodiments of the present application, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0146] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods, such as multiple units or components 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 through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0147] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.

[0148] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0149] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product 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.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0150] The above is only a preferred embodiment of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for determining the address of a financial outlet, characterized in that: include: Determining a set of candidate network point addresses of financial network points within a preset area, and determining a plurality of conditional elements for each candidate network point address in the set of candidate network point addresses; Scoring each of the conditional elements to obtain a score value, and vectorizing all of the score values ​​to obtain a conditional element vector for each of the candidate network point addresses; Obtaining the frequency of cooperation between every two existing outlets in the preset area, and determining, based on all the cooperation frequencies, a linkage cost between each candidate outlet indicated by the candidate outlet address and each existing outlet, wherein the existing outlet refers to an outlet currently providing financial services in the preset area, and the linkage cost is the amount of resources consumed when each two outlets cooperate; Determining a plurality of sub-businesses based on the business objectives of the financial outlet, and determining a weight of each of the conditional factors for the sub-businesses; Determine the cooperative relationship between every two of the sub-businesses, and determine the weight of each of the sub-businesses in the business objectives; The target branch address of the financial branch is determined based on all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights.

2. The method for determining the address of a financial outlet according to claim 1, wherein: The step of determining, based on all the cooperation frequencies, a linkage cost between each candidate outlet indicated by the candidate outlet address and each of the existing outlets includes: Determining a historical linkage cost between each two existing outlets based on the frequency of cooperation between each two existing outlets; For each candidate outlet, determining whether there is a cooperative linkage between the candidate outlet and each existing outlet; In the case where there is no cooperative linkage between the candidate outlet and each of the existing outlets, sorting the historical linkage costs of all the existing outlets to obtain a sorted set; Based on the ranked set, the linkage cost is determined.

3. The method for determining the address of a financial outlet according to claim 1, wherein: The steps of determining a plurality of sub-businesses based on the business objectives of the financial outlet and determining the weight of each of the conditional factors for the sub-businesses include: Dividing the business objective to obtain a plurality of sub-businesses; For each of the sub-businesses, determining an impact level of each of the conditional elements on the sub-business; Based on all the impact levels, the weight of each of the conditional elements to the sub-service is determined.

4. The method for determining the address of a financial outlet according to claim 1, wherein: Before determining the weight of each sub-business in the business objective, the method further includes: constructing a sub-business relationship graph based on the cooperation relationship between every two sub-businesses and each sub-business; Determining a link relationship between every two sub-businesses based on the sub-business relationship graph; Based on all the link relationships, a link matrix is ​​determined.

5. The method for determining the address of a financial outlet according to claim 4, wherein: The step of determining the weight of each sub-business in the business objective includes: Initializing the weight of each sub-service to obtain an initial weight vector; Determining a first preset matrix, and processing the first preset matrix to obtain a transposed matrix of the first preset matrix; Determining the number of the sub-services, and determining a transfer matrix based on the number, the link matrix, the first preset matrix, the transposed matrix, and a preset constant; Adjusting the initial weight vector based on the transfer matrix to obtain a first preset weight vector; Calculating a difference between the first preset weight vector and the initial weight vector, and determining whether the difference is less than a preset difference threshold; When the difference is not less than the preset difference threshold, adjusting the first preset weight vector based on the transfer matrix to obtain a second preset weight vector; Continue calculating the difference between the second preset weight vector and the first preset weight vector until the difference is less than the preset difference threshold, thereby obtaining a target weight vector; The target weight vector is normalized to obtain the proportion weight.

6. The method for determining the address of a financial outlet according to claim 1, wherein: The step of determining the target branch address of the financial branch based on all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights includes: Encoding each candidate network point address to obtain an initialized network point population; Based on the number of the sub-services, a plurality of candidate network point addresses are selected from the initialization network point population to obtain an initial network point set; Allocating each of the sub-services to the candidate network point corresponding to each candidate network point address in the initial network point set, to obtain multiple preset allocation schemes; Calculating a comprehensive fitness value of each preset allocation scheme based on all the preset allocation schemes, all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights; Based on all the comprehensive fitness values, the target network node address is determined.

7. The method for determining the address of a financial outlet according to claim 6, wherein: The step of determining the target network point address based on all the comprehensive fitness values ​​includes: Calculating the fitness mean of each of the preset allocation schemes based on all the comprehensive fitness values; Sort all comprehensive fitness values ​​and get the maximum comprehensive fitness value; Determining a crossover probability and a mutation probability based on the comprehensive fitness value, the fitness mean, and the maximum comprehensive fitness value, wherein the crossover probability is used to control whether to perform crossover processing on the preset allocation schemes, the crossover processing is used to adjust the allocation of the candidate network points and the sub-services between the preset allocation schemes, and the mutation probability is used to control whether to modify the pairing relationship between the candidate network point address and the sub-service in at least one of the preset allocation schemes; The target network node address is determined based on the crossover probability and the mutation probability.

8. The method for determining the address of a financial outlet according to claim 7, wherein: Before calculating the comprehensive fitness value of each preset allocation scheme based on all the preset allocation schemes, all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights, the method further includes: For each of the preset allocation schemes, determining a target sub-business set based on all the cooperation relationships, wherein each target sub-business in the target sub-business set is allocated with the candidate network point; Calculating the sum of the linkage costs between all candidate outlets corresponding to the target sub-services to obtain a target linkage cost; For each of the preset allocation schemes, a target performance quality evaluation value is calculated based on all of the conditional element vectors, all of the weights, and all of the proportion weights.

9. The method for determining the address of a financial outlet according to claim 8, wherein: The step of calculating the comprehensive fitness value of each preset allocation scheme based on all the preset allocation schemes, all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights includes: Sorting all the preset allocation schemes based on the target linkage cost to obtain a first sorted set; Sorting all the preset allocation schemes based on the target performance quality evaluation value to obtain a second sorted set; Determining a target linkage cost ranking position of each of the preset allocation schemes based on the first ranking set, and determining a target linkage cooperation cost fitness of each of the preset allocation schemes based on the target linkage cost ranking position; Determining a target performance quality evaluation ranking position of each of the preset allocation schemes based on the second ranking set, and determining a target performance quality fitness of each of the preset allocation schemes based on the target performance quality evaluation ranking position; The comprehensive fitness value of each of the preset allocation schemes is determined based on the target linkage cooperation cost fitness and the target performance quality fitness.

10. A device for determining a financial outlet address, characterized in that: include: a first determining unit, configured to determine a set of candidate network point addresses of financial network points within a preset area, and determine a plurality of conditional elements for each candidate network point address in the set of candidate network point addresses; A first scoring unit is configured to score each of the conditional elements to obtain a score value, and vectorize all the score values ​​to obtain a conditional element vector for each candidate network point address; a first acquiring unit configured to acquire a frequency of cooperation between every two existing outlets in the preset area, and determine, based on all the cooperation frequencies, a linkage cost between the candidate outlet indicated by each candidate outlet address and each existing outlet, wherein the existing outlet refers to an outlet currently providing financial services in the preset area, and the linkage cost is an amount of resources consumed when cooperation is performed between every two outlets; A second determining unit is configured to determine a plurality of sub-businesses based on the business objectives of the financial outlet, and determine a weight of each of the conditional factors for the sub-businesses; A third determining unit is configured to determine a cooperative relationship between every two of the sub-businesses, and determine a weight of each of the sub-businesses in the business objective; A fourth determining unit is configured to determine a target branch address of the financial branch based on all the conditional element vectors, all the linkage costs, all the weights, all the cooperative relationships, and all the proportion weights.

11. A computer program product, characterized in that The invention comprises a non-volatile computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method for determining the address of a financial outlet according to any one of claims 1 to 9.

Images