Risk control strategy determination method and device for multiple risk control places, equipment and medium

Abstract

The embodiment of the invention provides a risk control strategy determination method and device for multiple risk control places, equipment and a medium, and relates to the technical field of data processing. The method comprises the steps of determining a corresponding deployment probability based on business data and a historical risk exposure level of each place to be subjected to risk control, and obtaining a corresponding equipment installation strategy; the risk assessment strategy of each place to be subjected to risk control is acquired, the total risk control cost is determined based on the preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost and the risk exposure probability, then the risk assessment strategy is iteratively optimized, the corresponding total risk control cost is calculated, and the risk assessment strategy of each place to be subjected to risk control is calculated under the condition that the preset iteration condition is met. And outputting the optimal risk control strategy. According to the method, the input cost and the risk exposure level are considered, the balance coefficient is flexibly adjusted according to the actual emphasis of the user on the risk exposure level and the input cost, the demand of the user on the risk control effect is met, the risk exposure level is effectively reduced, and the expense is reduced.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method, apparatus, equipment and medium for determining risk control strategies in multiple risk control locations. Background Technology

[0002] Risk management is crucial for financial institutions to ensure their safe and stable operation. Traditional risk management mainly uses risk control technology to identify and analyze structured data generated by banks and other financial institutions in their daily operations to identify risk events in the business process.

[0003] To more accurately and comprehensively identify and interpret risk events in business transactions and workflows, existing risk control technologies use audio and video capture devices to record data from business processes. This data is then combined with structured data to improve risk control identification capabilities and reduce risk exposure levels. The more comprehensive the audio and video data collected during the risk control process, the higher the accuracy and comprehensiveness of risk control identification based on audio and video.

[0004] However, the cost of audio and video data acquisition and storage equipment is relatively high. Therefore, how to effectively reduce risk exposure levels while lowering costs is an urgent problem to be solved. Summary of the Invention

[0005] This application provides a method, apparatus, equipment, and medium for determining risk control strategies in multiple risk control locations, in order to solve the technical problem of reducing cost expenditures while effectively reducing risk exposure levels.

[0006] Firstly, this application provides a method for determining risk control strategies in multiple risk control locations, including:

[0007] The system acquires business data and historical risk exposure levels of multiple locations awaiting risk control, and determines the deployment probability of audio and video acquisition devices for each location based on the business data and historical risk exposure levels of each location.

[0008] Based on multiple risk events corresponding to multiple locations to be subject to risk control within a preset period, risk assessment strategies corresponding to multiple locations to be subject to risk control are obtained.

[0009] Based on multiple deployment probabilities, obtain equipment installation strategies corresponding to multiple locations to be risk-controlled, and determine the total risk control cost based on a preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost, the risk exposure probability, and the risk management cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively.

[0010] The risk assessment strategy is iteratively optimized. Based on the optimized risk assessment strategy, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined. Under the condition of meeting the preset iteration conditions, the optimal risk control strategy is output according to the multiple total risk control costs.

[0011] Secondly, this application provides a risk control strategy determination device for multiple risk control locations, comprising:

[0012] The acquisition module is used to acquire business data and historical risk exposure levels of multiple locations subject to risk control.

[0013] The determination module is used to determine the deployment probability of audio and video acquisition devices for each of the locations to be subject to risk control based on the business data and historical risk exposure levels of each location.

[0014] The acquisition module is also used to acquire risk assessment strategies corresponding to multiple risk events corresponding to multiple locations to be subject to risk control within a preset period.

[0015] The acquisition module is also used to acquire equipment installation strategies corresponding to multiple locations to be subject to risk control based on multiple deployment probabilities.

[0016] The determining module is also used to determine the total risk control cost based on the preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost, the risk exposure probability, and the risk management cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively.

[0017] The optimization module is used to iteratively optimize the risk assessment strategy.

[0018] The determination module is used to determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies based on the optimized risk assessment strategy, and output the optimal risk control strategy according to the multiple total risk control costs when the preset iteration conditions are met.

[0019] Thirdly, embodiments of this application provide an electronic device, including: a memory and a processor;

[0020] The memory stores computer-executed instructions;

[0021] The processor executes computer execution instructions stored in the memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect as described above.

[0022] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the first aspect and / or various possible implementations of the first aspect.

[0023] Fifthly, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the first aspect and / or various possible implementations of the first aspect.

[0024] The method for determining risk control strategies for multiple risk control sites provided in this application acquires business data and historical risk exposure levels of multiple sites to be subject to risk control. Based on the business data and historical risk exposure levels of each site, the deployment probability of audio and video acquisition equipment for multiple sites to be subject to risk control is determined, thereby obtaining equipment installation strategies corresponding to multiple deployment probabilities. Furthermore, based on multiple risk events corresponding to each site to be subject to risk control within a preset period, risk assessment strategies corresponding to multiple sites to be subject to risk control are obtained. Based on preset balance coefficients, equipment installation strategies, risk assessment strategies, investment costs, risk exposure probabilities, and risk management costs, the total risk control cost is determined. The risk assessment strategies are then iteratively optimized. Based on the optimized risk assessment strategies, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined. Under preset iteration conditions, the optimal risk control strategy is output based on the total risk control cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and investment cost, respectively. This method can flexibly adjust the balance coefficient according to the emphasis on input cost and risk exposure level to balance input cost and risk exposure level, and continuously iterate and optimize the risk assessment strategy. In the process, the equipment installation strategy is continuously updated to obtain the optimal risk control strategy with the lowest total risk control cost. While meeting the user's requirements for risk control effect, it effectively reduces the risk exposure level and reduces expenses. Attached Figure Description

[0025] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0026] Figure 1 A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 1 ;

[0027] Figure 2 A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 2 ;

[0028] Figure 3A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 3 ;

[0029] Figure 4 A schematic diagram of the structure of the risk control strategy determination device for multiple risk control sites provided in this application;

[0030] Figure 5 A schematic diagram of the structure of the electronic device provided in this application.

[0031] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0032] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0033] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation access points for users to choose to authorize or refuse.

[0034] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0035] It should be noted that the method, apparatus, equipment and medium for determining risk control strategies in multiple risk control locations provided in this application can be used in the financial field, or in any field other than finance. The application fields of the method, apparatus, equipment and medium for determining risk control strategies in multiple risk control locations in this application are not limited.

[0036] Operational risk management is the main means of disclosing and reducing internal and external risks of financial institutions. Traditional risk control techniques mainly rely on structured data to identify risks. For example, by using preset risk rules to judge the structured data generated by the business system, it can be determined whether risky data appears in the business data.

[0037] With the evolution of business models, some business processes, such as remote video verification and contract signing, and telephone verification, cannot be presented in the system as structured data. Audio and video data, based on unstructured data storage, effectively covers the entire business process and is beneficial for revealing potential risk exposures. Therefore, existing risk control technologies use audio and video capture devices to collect data on business processes, and then combine this data with structured data to improve risk control identification capabilities and reduce risk exposure levels. Furthermore, the more comprehensive the audio and video data collected during the risk control process, the higher the accuracy and comprehensiveness of risk control identification based on audio and video.

[0038] However, the cost of audio and video data acquisition and storage equipment is relatively high. Therefore, how to reduce expenses while ensuring effective risk identification and reducing risk exposure levels is an urgent problem to be solved.

[0039] The method for determining risk control strategies across multiple risk control sites provided in this application determines the total risk control cost based on a balance coefficient set by the user's focus on investment costs and risk exposure levels, combined with these factors. During this process, the risk assessment strategy is optimized, and the equipment installation strategy is updated, resulting in the optimal risk control strategy with the lowest total cost. This optimal risk control strategy not only meets the user's requirements for risk identification effectiveness by balancing investment costs and risk exposure levels, effectively reducing risk exposure levels, but also achieves the lowest expenditure based on updates to the risk assessment and equipment installation strategies, thus reducing overall costs.

[0040] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0041] Figure 1 A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 1 ,like Figure 1 As shown, the method includes:

[0042] S101. Obtain business data and historical risk exposure levels of multiple locations awaiting risk control, and determine the deployment probability of audio and video acquisition equipment for each location based on the business data and historical risk exposure levels of each location awaiting risk control.

[0043] Among them, audio and video acquisition equipment is used to collect and store audio and video data during the business processing process. Such audio and video acquisition equipment includes, for example, surveillance video, remote video teller machines, and intelligent dual recording devices.

[0044] Financial institutions typically have multiple branches, each with several key locations handling a significant volume of business. Therefore, installing monitoring equipment and various audio-visual devices required for business transactions in these key locations is crucial for capturing the entire business process, facilitating subsequent risk identification based on the collected data. For multiple locations within a branch awaiting risk control, the need for deploying audio-visual capture equipment is determined based on the business data and historical risk exposure levels of each location.

[0045] Specifically, the process involves acquiring business data and historical risk exposure levels from multiple locations awaiting risk control within a preset time period. For each location, the business volume and type are statistically analyzed based on the business data. A first generalized cost for installing audio / video capture equipment at the location is determined based on this data, and a second generalized cost is determined based on the historical risk exposure level. Finally, the total generalized cost is calculated using both costs. This total generalized cost is then used as a fixed utility, and the deployment probability of the audio / video capture equipment at each location is determined based on the principle of utility maximization.

[0046] S102. Based on multiple risk events corresponding to multiple locations awaiting risk control within a preset period, obtain risk assessment strategies for multiple locations awaiting risk control.

[0047] The process involves acquiring all risk events from multiple locations awaiting risk control within a preset period, randomly determining the risk assessment method for each risk event, and then constructing risk assessment strategies for each location based on the risk assessment method for each risk event. For example, acquiring all risk events from three locations awaiting risk control within one month, randomly determining the risk assessment method for each risk event, and then integrating the multiple risk assessment methods for each location into a single risk assessment set, resulting in three risk assessment sets. Based on these three risk assessment sets, risk assessment strategies for the three locations awaiting risk control are then constructed.

[0048] The preset cycle is set based on user needs, and this application does not impose any restrictions on it. Furthermore, risk assessment methods include, but are not limited to, direct assessment and monitoring / confirmation methods. The aforementioned direct assessment method uses models or preset rules to identify risk events; no human intervention is required during the normal assessment process. The aforementioned monitoring / confirmation method monitors and assesses risk data, and then utilizes experienced employees for manual verification to identify risk events, thereby improving the accuracy of risk event assessment.

[0049] It should be noted that this application does not restrict the execution order of step S102 and the above step S101.

[0050] S103. Based on multiple deployment probabilities, obtain the equipment installation strategies corresponding to multiple locations to be subject to risk control, and determine the total risk control cost based on the preset balance coefficient, equipment installation strategy, risk assessment strategy, investment cost, risk exposure probability, and risk management cost.

[0051] The balancing coefficient is set based on the criticality of risk exposure level and input cost, respectively. For example, if an institution is more concerned about risk exposure level, the balancing coefficient will be set more in favor of risk exposure level.

[0052] Specifically, the equipment installation strategy for each location under risk control is determined based on multiple deployment probabilities. For example, if the deployment probability is less than a preset probability, it is determined that audio / video acquisition equipment will not be deployed at the corresponding location under risk control, and a non-deployment flag is generated. Conversely, if the deployment probability is not less than the preset probability, it is determined that audio / video acquisition equipment will be deployed at the corresponding location under risk control, and a deployment flag is generated. Then, based on the non-deployment flag or deployment flag corresponding to each location under risk control, an equipment installation strategy is constructed. The preset probability is a dynamic threshold, determined, for example, by performing cluster analysis on multiple deployment probabilities to obtain the aforementioned preset probability.

[0053] After obtaining the equipment installation strategies and risk assessment strategies for multiple locations to be subject to risk control, the total risk control cost for installing audio and video acquisition equipment in these locations is determined based on preset balance coefficients, equipment installation strategies, risk assessment strategies, investment costs, risk exposure probabilities, and risk management costs. Investment costs include, but are not limited to: the cost of installing audio and video acquisition equipment, labor costs, and risk management costs.

[0054] S104. Iteratively optimize the risk assessment strategy. Based on the optimized risk assessment strategy, determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies. Under the condition of meeting the preset iteration conditions, output the optimal risk control strategy according to the multiple total risk control costs.

[0055] To obtain the optimal risk control strategy while balancing input costs and risk exposure levels, the risk assessment strategy is iteratively optimized. Using the method shown in step S103 above, the total risk control cost corresponding to the optimal risk control strategy after iterative optimization and the re-acquired equipment installation strategy is calculated. Then, under the condition of meeting the preset iteration, the minimum total risk control cost is determined from multiple total risk control costs, and the risk assessment strategy and equipment installation strategy corresponding to the minimum total risk control cost are taken as the optimal risk control strategy and output.

[0056] The method for determining risk control strategies for multiple risk control sites provided in this application obtains business data and historical risk exposure levels of multiple sites to be subject to risk control. Based on the business data and historical risk exposure levels of each site, the deployment probability of audio and video acquisition equipment for multiple sites to be subject to risk control is determined, thereby obtaining equipment installation strategies corresponding to multiple deployment probabilities. In addition, based on multiple risk events corresponding to multiple sites to be subject to risk control within a preset period, risk assessment strategies corresponding to multiple sites to be subject to risk control are obtained. Based on preset balance coefficients, equipment installation strategies, risk assessment strategies, investment costs, risk exposure probabilities, and risk management costs, the total risk control cost is determined. The risk assessment strategies are then iteratively optimized. Based on the optimized risk assessment strategies, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined. Under preset iteration conditions, the optimal risk control strategy is output based on the multiple total risk control costs. The balancing coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively. This method uses a preset balancing coefficient to balance investment costs and risk exposure levels, and continuously iterates and optimizes the risk assessment strategy. During this process, the equipment installation strategy is continuously updated, resulting in the optimal risk control strategy with the lowest total cost. This optimal risk control strategy balances investment costs and risk exposure levels. Based on the user-preset balancing coefficient, it not only meets the user's requirements for risk identification effectiveness and effectively reduces risk exposure levels, but also lowers cost expenditures.

[0057] Figure 2 A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 2 ,like Figure 2 As shown, in this embodiment... Figure 1 Based on the embodiments, a method for determining risk control strategies in multiple risk control locations is described in detail. The method includes:

[0058] S201. Obtain business data and historical risk exposure levels for multiple locations awaiting risk control.

[0059] The explanation of step S201 is similar to that of step S101 above, and will not be repeated here.

[0060] S202. For each location to be subject to risk control, cluster the business volume, business type, and historical risk exposure level to obtain the corresponding business volume level score, business type level score, and risk exposure level score.

[0061] The aforementioned business data includes business volume and business type. The business volume level score, business type level score, and risk exposure level score each correspond to different weighting parameters. Furthermore, the business volume level score characterizes the demand for audio / video capture equipment based on the business volume of the location under risk control; the business type level score characterizes the demand for audio / video capture equipment based on the business type of the location under risk control; and the risk exposure level score characterizes the demand for audio / video capture equipment based on the risk exposure level of the location under risk control.

[0062] In locations awaiting risk control, factors influencing the deployment of audio and video capture equipment include, but are not limited to, business volume, business type, and historical risk exposure level. Therefore, locations awaiting risk control are categorized according to business volume, business type, and historical risk exposure level, resulting in a business volume level score, a business type level score, and a risk exposure level score for each location. Understandably, a higher business volume corresponds to a higher business volume level score, and the same applies to the business type level score and risk exposure level score.

[0063] For example, for any location to be subject to risk control, its business types are coded. A clustering algorithm is then used to perform cluster analysis on the coded business types to obtain the cluster corresponding to the location to be subject to risk control. Each cluster has a corresponding business volume level score, and the business volume level score corresponding to the cluster is output. Similarly, the business type level score and risk exposure level score corresponding to the location to be subject to risk control are output.

[0064] For example, cluster analysis was performed on the business volume, business type, and risk exposure level of the first site under risk control to obtain its corresponding business volume level score, business type level score, and risk exposure level score, respectively. , as well as .in, The corresponding weight parameters are , The corresponding weight parameters are , The corresponding weight parameters are .

[0065] S203. Based on the business volume level score, business type level score, risk exposure level score, and the weight parameters corresponding to the business volume level score, business type level score, and risk exposure level score, determine the corresponding generalized cost.

[0066] Specifically, a third generalized cost is calculated based on the business volume level score and the corresponding weight parameters, a fourth generalized cost is calculated based on the business type level score and the corresponding weight parameters, and a fifth generalized cost is calculated based on the risk exposure level score and the corresponding weight parameters. Then, the generalized cost for each location to be subject to risk control is calculated based on the above-mentioned third, fourth, and fifth generalized costs.

[0067] For example, as shown in step S202 above, the business volume level score Business type level score and risk exposure level score The corresponding weight parameters are as follows: , as well as Therefore, the aforementioned third generalized cost is: The fourth generalized cost is: The fifth generalized cost is: Then the above generalized cost is: .in, For branch offices The next A site awaiting risk control.

[0068] S204. Based on the generalized cost and the total generalized cost corresponding to multiple locations awaiting risk control, determine the deployment probability corresponding to each location awaiting risk control.

[0069] Based on the generalized cost corresponding to each location awaiting risk control, the total generalized cost for multiple locations awaiting risk control is calculated. Furthermore, treating the aforementioned generalized cost as a fixed utility, the deployment probability of audio and video acquisition equipment for each location awaiting risk control is determined based on the principle of utility maximization.

[0070] Optionally, based on the principle of utility maximization and the aforementioned fixed utility, a deployment probability model is constructed to calculate the deployment probability of audio and video acquisition equipment for each location to be subject to risk control. For example, total utility... ,in, The generalized cost mentioned in the explanation of step S203 above is treated as a fixed cost when calculating total utility. Assuming the random utility follows a Gumbel distribution (type I extreme value distribution), the deployment probability model is derived as follows:

[0071]

[0072] in, For the first The first branch office A site awaiting risk control. This represents the total number of branches under the aforementioned financial institutions. For the first The total number of locations requiring risk control in each branch office. For branch offices The next The probability of deploying audio and video acquisition equipment for each location awaiting risk control.

[0073] S205. Based on multiple risk events corresponding to multiple locations awaiting risk control within a preset period, obtain risk assessment strategies for multiple locations awaiting risk control.

[0074] Optionally, the risk assessment strategy can be used as a decision variable in a genetic algorithm to obtain the aforementioned risk assessment strategy. This risk assessment strategy may include, for example, a direct assessment method and a monitoring assessment method, where the direct assessment method is identified as "1" and the monitoring assessment method is identified as "0". Then, the... Risk assessment strategies for locations requiring risk control ,in, Risk events The risk assessment method uses a value of either 0 or 1. For the first The total number of risk events in each location awaiting risk control. In this embodiment, the population symbol for the genetic algorithm is defined as... , For the first Generations of populations .in, The population size refers to the total number of locations to be subject to risk control.

[0075] S206. Obtain the random deployment probability corresponding to each location to be subject to risk control; determine whether the random deployment probability is less than the deployment probability; if the random deployment probability is less than the deployment probability, execute the following step S207; if the random deployment probability is not less than the deployment probability, execute the following step S208.

[0076] A random number generation mechanism is used to generate a corresponding random deployment probability for each location to be subject to risk control. For each location, its random deployment probability is compared with the deployment probability obtained in step S204 above. It is determined whether the random deployment probability is less than the deployment probability. If so, it means that the random deployment probability has not reached the deployment probability of installing audio and video acquisition equipment in the corresponding location to be subject to risk control, and step S207 is executed below; if not, it means that the random deployment probability has reached the deployment probability of installing audio and video acquisition equipment in the corresponding location to be subject to risk control, and step S208 is executed below.

[0077] This method obtains the random deployment probability of each site to be risk-controlled by random generation. In step S211 below, when iteratively optimizing the risk assessment strategy to calculate the total risk control cost corresponding to the optimized risk assessment strategy, the equipment installation strategy corresponding to multiple sites to be risk-controlled is updated each time. This avoids using a fixed equipment installation strategy to calculate the total risk control cost, which would otherwise prevent the output of the optimal equipment installation strategy.

[0078] S207. Determine the corresponding location to be subject to risk control as the first equipment installation strategy.

[0079] The first equipment installation strategy is used to instruct the corresponding risk control sites not to deploy audio and video acquisition equipment. Furthermore, the first equipment installation strategy has a corresponding first identifier, which can be, for example, 0.

[0080] S208. Determine the corresponding risk control site as the second equipment installation strategy.

[0081] The second equipment installation strategy is used to instruct the deployment of audio and video acquisition equipment in the corresponding risk control locations. Furthermore, the second equipment installation strategy has a corresponding second identifier, which can be, for example, 1.

[0082] S209. Generate an equipment installation strategy based on the first or second equipment installation strategy corresponding to each site to be subject to risk control.

[0083] Based on the above steps S206 to S208, a first equipment installation strategy or a second equipment installation strategy corresponding to the site to be controlled is obtained. The first equipment installation strategy or the second equipment installation strategy corresponding to multiple sites to be controlled is combined to obtain an equipment installation strategy.

[0084] For example, a financial institution has Each branch office, A collection of branch offices , For the first The branch office, the The total number of locations under risk control owned by each branch is A set of key locations in each branch. ,but For the first The first branch office One location awaiting risk control. Then, the first... The first branch office Equipment installation strategies for each site requiring risk control Its value is 0 or 1, where 0 represents the first equipment installation strategy and 1 represents the second equipment installation strategy, based on multiple locations under the aforementioned branch offices that require risk control. Construct an array representing the equipment installation strategies for multiple locations requiring risk control. For example, the equipment installation strategies could be: .

[0085] S210. Based on the preset balance coefficient, equipment installation strategy, risk assessment strategy, investment cost, risk exposure probability, and risk management cost, determine the total risk control cost.

[0086] The explanation of step S210 is similar to that of step S103 above, and will not be repeated here.

[0087] S211. Iteratively optimize the risk assessment strategy. Based on the optimized risk assessment strategy, determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies. Under the condition of meeting the preset iteration conditions, output the optimal risk control strategy according to the multiple total risk control costs.

[0088] The explanation of step S211 is similar to that of step S104 above, and will not be repeated here.

[0089] The risk control strategy determination method for multiple risk control sites provided in this embodiment acquires business data and historical risk exposure levels from multiple sites to be subject to risk control. For each site, it clusters business volume, business type, and historical risk exposure levels to obtain corresponding business volume level scores, business type level scores, and risk exposure level scores. Then, based on these scores and their corresponding weight parameters, a generalized cost is determined. Finally, based on the generalized cost and the total generalized cost across multiple sites, the deployment probability for each site is determined. This deployment probability determination process not only considers business data and risk exposure levels but also utilizes the utility maximization principle to obtain the deployment probability that maximizes utility for each site within a preset period, given its business data and risk exposure levels. Based on this deployment probability, it is beneficial to obtain the most effective equipment installation strategy, thereby contributing to the optimal risk control strategy with the highest utility. Furthermore, based on multiple risk events corresponding to multiple locations awaiting risk control within a preset period, risk assessment strategies for multiple locations awaiting risk control are obtained. The random deployment probability for each location awaiting risk control is also obtained, and it is determined whether the random deployment probability is less than the deployment probability. If the random deployment probability is less than the deployment probability, the location awaiting risk control is determined to use the first equipment installation strategy; otherwise, it is determined to use the second equipment installation strategy. Then, based on the first or second equipment installation strategy for each location awaiting risk control, an equipment installation strategy is generated. Finally, based on preset balance coefficients, equipment installation strategies, risk assessment strategies, investment costs, risk exposure probabilities, and risk management costs, the total risk control cost is determined. The risk assessment strategies are iteratively optimized. Based on the optimized risk assessment strategies, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined. Finally, under preset iteration conditions, the optimal risk control strategy is output based on the multiple total risk control costs. Based on the principle of utility maximization, this method considers business data and risk exposure levels to obtain deployment probabilities for multiple locations requiring risk control. This facilitates the determination of the most effective equipment installation strategy during the subsequent calculation of total risk control costs. Furthermore, each time the total risk control cost is calculated, this method uses the aforementioned deployment probabilities, combined with a random number generation mechanism, to obtain the corresponding equipment installation strategy. This allows for the use of different equipment installation strategies in multiple iterations of total risk control cost calculations, enabling the optimal equipment installation strategy to be matched with the optimal risk assessment strategy, thereby yielding the optimal risk control strategy.

[0090] Figure 3 A flowchart illustrating the method for determining risk control strategies for multiple risk control locations provided in this application. Figure 3 ,like Figure 3As shown, in this embodiment... Figure 1-2 Based on the examples, a possible method for determining the minimum risk control cost and optimizing the risk assessment strategy to output the optimal risk control strategy is described in detail. This method includes:

[0091] S301. Calculate equipment expenditure costs based on equipment installation strategy and equipment investment costs.

[0092] Based on the equipment installation strategy and equipment investment cost corresponding to each site requiring risk control, calculate the equipment expenditure costs for multiple sites requiring risk control. Optionally, the following formula can be used to calculate the equipment expenditure costs for multiple sites requiring risk control:

[0093]

[0094] As explained in step S209 above, This represents the total number of branches of a financial institution. For the first The branch office, the The total number of locations under risk control owned by each branch is indivual, For the first A site awaiting risk control. For the first The first branch office Equipment installation strategies for locations requiring risk control. The fixed cost of installing audio and video acquisition equipment in each location subject to risk control.

[0095] S302. Calculate the human resource expenditure based on the equipment installation strategy, risk assessment strategy, and the human resource input cost corresponding to each risk assessment method.

[0096] The risk assessment methods include: direct assessment and monitoring assessment. Direct assessment corresponds to the first human resource input cost, while monitoring assessment corresponds to the second human resource input cost.

[0097] Since both equipment installation strategy and risk assessment strategy affect manpower expenditure, manpower expenditure is calculated based on the equipment installation strategy, risk assessment strategy, and manpower input cost corresponding to each risk assessment method in each site to be subject to risk control.

[0098] Optionally, the equipment expenditure costs for multiple locations requiring risk control can be calculated using the following formula:

[0099]

[0100] in, The total number of branches, For the first The total number of locations under risk control owned by each branch office. For the aforementioned initial human resource investment costs, For the aforementioned second human resource investment cost, For the first The first branch office The number of risk events assessed using the direct assessment method in each site awaiting risk control. For the first The first branch office The number of risk events assessed using monitoring and evaluation methods in each site awaiting risk control. and The risk assessment strategy obtained from step S205 above According to statistics, For the first The first branch office Equipment installation strategies for locations requiring risk control. This is based on the equipment installation strategy in step S209 above.

[0101] S303. Based on the equipment installation strategy, the probability of risk exposure, and the risk management cost, calculate the risk management fee corresponding to the risk exposure level.

[0102] When measuring risk exposure levels, both the management costs of disclosed risk events and the management costs of undisclosed risk events are considered. Therefore, for any site to be subject to risk control, the risk management cost corresponding to the risk exposure level is calculated based on the site's equipment installation strategy, risk exposure probability, and risk management costs.

[0103] Optionally, a possible method for calculating risk management costs is provided herein. The risk management costs in this method include: a first risk management cost and a second risk management cost. The method includes: for each of multiple locations requiring risk control, under a first equipment installation strategy corresponding to the location, calculating the location risk management cost based on the risk events and the first risk management cost corresponding to the location; under a second equipment installation strategy corresponding to the location, calculating the location risk management cost based on the risk events, risk exposure probability, and the second risk management cost corresponding to the location; and determining the risk management cost based on the location risk management costs corresponding to each of the multiple locations requiring risk control. The second risk management cost includes: risk assessment costs.

[0104] Optionally, the risk management costs for multiple locations requiring risk control can be calculated using the following formula:

[0105]

[0106] in, The total number of branches, For the first The total number of locations under risk control owned by each branch office. For the first The first branch office Equipment installation strategies for locations requiring risk control. For the first The first branch office The total number of risk events at each site under risk control within a preset period. This is based on statistics of multiple risk events corresponding to each location to be subject to risk control within a preset period, obtained from step S205 above. To identify the probability of exposure to actual risk events when deploying audio and video capture equipment in a location subject to risk control, For coefficients, .also, For the aforementioned first risk management cost, This is the cost of the second risk management mentioned above.

[0107] Understandably, identifying a substantial risk event requires considering the human resource costs associated with risk assessment, which include the costs of handling the risk event. As explained in step S302 above, The cost of human resources required for the direct evaluation method. To monitor and assess the corresponding second human resource input cost, since the direct assessment method relies solely on identification models or discrimination rules for risk assessment, therefore... much smaller Therefore, when calculating the risk management costs resulting from the level of risk exposure, one can... This is the second risk management cost mentioned above.

[0108] S304. Based on the balance coefficient, equipment expenditure, human resource expenditure, and risk management costs, determine the total risk control cost for multiple locations to be subject to risk control.

[0109] The balance coefficient is set based on the user's level of concern regarding input costs and risk exposure levels.

[0110] Specifically, based on the equipment and personnel expenses of multiple sites awaiting risk control, the investment costs of multiple sites awaiting risk control are determined. Then, based on the balance coefficient, investment costs, and risk management costs of each site awaiting risk control, the total risk control cost corresponding to multiple sites awaiting risk control is determined.

[0111] Optionally, the investment costs for multiple locations requiring risk control can be calculated using the following formula:

[0112]

[0113] in, The equipment expenditure costs obtained in step S301 above, The human resource expenditure cost obtained in step S302 above. and As a coefficient, this and All are greater than 0.

[0114] After obtaining the investment costs for multiple locations awaiting risk control, the total risk control cost for these locations is calculated using the following formula:

[0115]

[0116] in, The preset balance coefficient, , It is a constant. For the aforementioned expenses, The risk management fee obtained in step S303 above.

[0117] Understandably, if users prioritize the cost of investment, they will adjust the balance coefficient accordingly. Set to a value greater than 0.5; if users are more focused on risk exposure levels, then the balance coefficient will be adjusted accordingly. Set to less than, The smaller the value, the more sensitive the total risk control cost is to changes in risk exposure levels. Therefore, this method allows different financial institutions to flexibly adjust the balancing coefficient according to their different priorities regarding input costs and risk exposure levels, in order to obtain the optimal risk control strategy that meets their actual needs.

[0118] S305. Using a genetic algorithm, the risk assessment strategy is optimized to obtain the first risk assessment strategy; based on multiple deployment probabilities, the first equipment installation strategy corresponding to multiple locations to be risk-controlled is obtained.

[0119] A genetic algorithm is used to perform crossover, mutation, and selection on the risk assessment strategy to obtain an optimized first risk assessment strategy. Then, the first equipment installation strategy corresponding to multiple locations to be subject to risk control is obtained using the methods described in steps S206 to S209 above.

[0120] S306. Determine the total risk control cost corresponding to the first risk assessment strategy and the first equipment installation strategy.

[0121] After obtaining the first risk assessment strategy and the first equipment installation strategy, calculate the corresponding first total risk control cost according to the methods shown in steps S301 to S304 above.

[0122] S307. Based on the genetic algorithm, the first risk assessment strategy is iteratively optimized, and the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined.

[0123] Specifically, the risk assessment strategy is continuously iterated and optimized using a genetic algorithm to calculate the total risk control cost corresponding to the optimized risk assessment strategy. Each time the total risk control cost is calculated in an iteration, the equipment installation strategy is updated according to the methods in steps S206 to S209 above. Therefore, under the condition of meeting the preset iteration conditions, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is obtained.

[0124] S308. Under the condition of meeting the preset iteration conditions, determine the selection probability of each risk assessment strategy and equipment installation strategy according to the total cost of multiple risk control measures.

[0125] The preset iteration conditions include, for example, the number of iterations reaching the maximum number of iterations, or the total risk control cost reaching convergence. This application does not impose any restrictions on these conditions.

[0126] Specifically, the total risk control cost is used as the fitness of the genetic algorithm. Based on the total fitness and the individual fitness, the selection probability of an individual is determined. Here, the individual represents the aforementioned risk assessment strategy, and each risk assessment strategy corresponds to a specific equipment installation strategy. For example, the selection probability of an individual's fitness is calculated using the following formula:

[0127]

[0128] in, Risk assessment strategy Corresponding fitness The fitness of all risk assessment strategies when the iteration conditions are met.

[0129] S309. Determine the risk assessment strategy and equipment installation strategy corresponding to the maximum selection probability as the optimal risk control strategy, and perform output processing.

[0130] After obtaining the selection probability corresponding to each risk assessment strategy, the risk assessment strategy and equipment installation strategy corresponding to the maximum selection probability are determined, and this risk assessment strategy and equipment installation strategy are determined as the optimal risk control strategy. The optimal risk control strategy is then output and processed.

[0131] The method for determining risk control strategies for multiple risk control sites provided in this application calculates equipment expenditure costs based on equipment installation strategies and equipment investment costs; calculates human resource expenditure costs based on equipment installation strategies, risk assessment strategies, and the human resource investment costs corresponding to each risk assessment method; and calculates risk management costs corresponding to risk exposure levels based on equipment installation strategies, risk exposure probabilities, and the aforementioned risk management costs. Then, based on the balance coefficient, equipment expenditure costs, human resource expenditure costs, and the aforementioned risk management costs, the total risk control cost for multiple sites to be risk-controlled is determined. Finally, a genetic algorithm is used to optimize the risk assessment strategies. The system first determines the risk assessment strategy and, based on multiple deployment probabilities, obtains the first equipment installation strategy corresponding to multiple locations requiring risk control. It then determines the first total risk control cost corresponding to the first risk assessment strategy and the first equipment installation strategy. Subsequently, based on a genetic algorithm, iteratively optimizes the first risk assessment strategy and determines the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies. Under the condition of meeting the preset iteration conditions, it determines the selection probability corresponding to each group of risk assessment strategies and equipment installation strategies based on multiple total risk control costs. The risk assessment strategy and equipment installation strategy corresponding to the highest selection probability are determined as the optimal risk control strategy and then output. This calculation process balances human resource investment, equipment investment, and the risk exposure levels of multiple locations requiring risk control. It then uses a genetic algorithm to iteratively optimize the risk assessment strategy, continuously updating equipment installation strategies. The process calculates the total risk control cost corresponding to multiple combinations of risk assessment and equipment installation strategies, thereby facilitating the determination of the lowest total risk control cost corresponding to the optimal combination. This lowest total risk control cost combination is then output as the optimal risk control strategy. This not only improves risk identification effectiveness and effectively reduces risk exposure levels but also helps lower risk control costs. Furthermore, this method allows different financial institutions to flexibly adjust the balancing coefficients based on their different priorities regarding investment costs and risk exposure levels, thus obtaining the optimal risk control strategy that meets their actual needs.

[0132] Figure 4 A schematic diagram of the structure of the risk control strategy determination device for multiple risk control sites provided in this application is shown below. Figure 4 As shown, the risk control strategy determination device 40 for multiple risk control locations provided in this embodiment includes:

[0133] Module 401 is used to acquire business data and historical risk exposure levels of multiple locations subject to risk control.

[0134] The determination module 402 is used to determine the deployment probability of audio and video acquisition devices for each of the locations to be subject to risk control based on the business data and historical risk exposure levels of each location.

[0135] The acquisition module 401 is also used to acquire risk assessment strategies corresponding to multiple risk events corresponding to multiple locations to be subject to risk control within a preset period.

[0136] The acquisition module 401 is further configured to acquire, based on the multiple deployment probabilities, the equipment installation strategies corresponding to the multiple locations to be subject to risk control;

[0137] The determining module 402 is further configured to determine the total risk control cost based on a preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost, the risk exposure probability, and the risk management cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively.

[0138] Optimization module 403 is used to iteratively optimize the risk assessment strategy;

[0139] The determining module 402 is further configured to determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies based on the optimized risk assessment strategy, and output the optimal risk control strategy according to the multiple total risk control costs when the preset iteration conditions are met.

[0140] In one possible implementation, the business data includes: business volume and business type, and the device further includes: clustering module 404;

[0141] The clustering module 404 is used to cluster the business volume, business type and historical risk exposure level for each of the locations to be subject to risk control, and obtain the corresponding business volume level score, business type level score and risk exposure level score, wherein the business volume level, the business type level and the risk exposure level correspond to different weight parameters.

[0142] The determining module 402 is further configured to determine the corresponding generalized cost based on the business volume level score, the business type level score, the risk exposure level score, and the weight parameters corresponding to the business volume level score, the business type level score, and the risk exposure level score, respectively.

[0143] The determining module 402 is further configured to determine the deployment probability corresponding to each of the locations to be controlled based on the generalized cost and the total generalized cost corresponding to the multiple locations to be controlled.

[0144] In one possible implementation, the device further includes: a judgment module 405 and a generation module 406;

[0145] The acquisition module 401 is also used to acquire the random deployment probability corresponding to each of the locations to be risk-controlled.

[0146] The judgment module 405 is used to determine whether the random deployment probability is less than the deployment probability;

[0147] The determining module 402 is further configured to determine the corresponding site to be subject to risk control as the first equipment installation strategy when the random deployment probability is less than the deployment probability. The first equipment installation strategy is used to instruct the corresponding site to be subject to risk control not to deploy audio and video acquisition equipment.

[0148] The determining module 402 is further configured to determine the corresponding site to be subject to risk control as the second equipment installation strategy when the random deployment probability is not less than the deployment probability. The second equipment installation strategy is used to instruct the corresponding site to be subject to risk control to deploy audio and video acquisition equipment.

[0149] The generation module 406 is used to generate the equipment installation strategy based on the first equipment installation strategy or the second equipment installation strategy corresponding to each of the locations to be subject to risk control.

[0150] In one possible implementation, the risk assessment strategy includes at least one risk assessment method, the input cost includes equipment input cost and human resource input cost corresponding to each of the risk assessment methods, and the device further includes a calculation module 407.

[0151] The calculation module 407 is used to calculate equipment expenditure costs based on the equipment installation strategy and the equipment investment cost.

[0152] The calculation module 407 is also used to calculate human resource expenditure based on the equipment installation strategy, the risk assessment strategy, and the human resource input cost corresponding to each of the risk assessment methods.

[0153] The calculation module 407 is also used to calculate the risk management cost corresponding to the risk exposure level based on the equipment installation strategy, the risk exposure probability, and the risk management cost.

[0154] The determining module 402 is further configured to determine the total risk control cost corresponding to multiple locations to be subject to risk control based on the balance coefficient, the equipment expenditure cost, the human resource expenditure cost, and the risk management cost.

[0155] In one possible implementation, the optimization module 403 is specifically used to optimize the risk assessment strategy using a genetic algorithm to obtain a first risk assessment strategy.

[0156] The acquisition module 401 is further configured to acquire, based on the multiple deployment probabilities, the first equipment installation strategy corresponding to the multiple locations to be subject to risk control;

[0157] The determining module 402 is further configured to determine the first total risk control cost corresponding to the first risk assessment strategy and the first equipment installation strategy;

[0158] The optimization module 403 is further configured to iteratively optimize the first risk assessment strategy based on the genetic algorithm, and determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies.

[0159] In one possible implementation, the determining module 402 is further configured to determine the selection probability corresponding to each group of risk assessment strategies and equipment installation strategies based on the multiple total risk control costs;

[0160] The determining module 402 is further configured to determine the risk assessment strategy and equipment installation strategy corresponding to the maximum selection probability as the optimal risk control strategy and perform output processing.

[0161] In one possible implementation, the risk management cost includes: a first risk management cost and a second risk management cost. The calculation module 407 is further configured to calculate, for each of the multiple locations to be subject to risk control, the location risk management fee corresponding to the location to be subject to risk control, based on the risk event corresponding to the location to be subject to risk control and the first risk management cost, under the condition of the first equipment installation strategy corresponding to the location to be subject to risk control.

[0162] The calculation module 407 is further configured to, under the condition of the second equipment installation strategy corresponding to the site to be risk-controlled, calculate the site risk management cost corresponding to the site to be risk-controlled based on the risk event corresponding to the site to be risk-controlled, the risk exposure probability and the second risk management cost, wherein the second risk management cost includes: risk assessment cost;

[0163] The determining module 402 is specifically used to determine the risk management cost based on the site risk management costs corresponding to the multiple sites to be risk-controlled.

[0164] The risk control strategy determination device for multiple risk control locations provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0165] Figure 5 A schematic diagram of the structure of the electronic device provided in this application. Figure 5 As shown, the electronic device 50 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the device 50 further includes a communication component 503. The processor 501, memory 502, and communication component 503 are connected via a bus 504.

[0166] In a specific implementation, at least one processor 501 executes computer execution instructions stored in memory 502, causing at least one processor 501 to perform the above-described method.

[0167] The specific implementation process of processor 501 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0168] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0169] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0170] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0171] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0172] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0173] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0174] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0175] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0176] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0177] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0178] If a function is implemented as 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 this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0179] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0180] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily essential to this application.

[0181] It should be further noted that although the steps in the flowchart are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowchart may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0182] It should be understood that the above-described device embodiments are merely illustrative, and the device of this application can also be implemented in other ways. For example, the division of units / modules in the above embodiments is only a logical functional division, and there may be other division methods in actual implementation. For example, multiple units, modules, or components may be combined, or integrated into another system, or some features may be ignored or not executed.

[0183] Furthermore, unless otherwise specified, the functional units / modules in the various embodiments of this application can be integrated into one unit / module, or each unit / module can exist physically separately, or two or more units / modules can be integrated together. The integrated units / modules described above can be implemented in hardware or as software program modules.

[0184] When integrated units / modules are implemented in hardware, the hardware can be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor can be any suitable hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC, etc. Unless otherwise specified, the storage unit can be any suitable magnetic or magneto-optical storage medium, such as Resistive Random Access Memory (RRAM), Dynamic Random Access Memory (DRAM), Static Random Access Memory (SRAM), Enhanced Dynamic Random Access Memory (EDRAM), High-Bandwidth Memory (HBM), Hybrid Memory Cube (HMC), etc.

[0185] If the integrated unit / module is implemented as a software program module and sold or used as an independent product, it can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, in essence, 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. This computer software product is stored in a memory and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned memory includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0186] In the above embodiments, the descriptions of each embodiment have their own emphasis. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments. The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as the combination of these technical features does not contradict each other, it should be considered within the scope of this specification.

[0187] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0188] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A method for determining risk control strategies in multiple risk control locations, characterized in that, include: The system acquires business data and historical risk exposure levels of multiple locations awaiting risk control, and determines the deployment probability of audio and video acquisition devices for each location based on the business data and historical risk exposure levels of each location. Based on multiple risk events corresponding to multiple locations to be subject to risk control within a preset period, risk assessment strategies corresponding to multiple locations to be subject to risk control are obtained. Based on multiple deployment probabilities, obtain equipment installation strategies corresponding to multiple locations to be risk-controlled, and determine the total risk control cost based on a preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost, the risk exposure probability, and the risk management cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively. The risk assessment strategy is iteratively optimized. Based on the optimized risk assessment strategy, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined. Under the condition of meeting the preset iteration conditions, the optimal risk control strategy is output according to the multiple total risk control costs.

2. The method according to claim 1, characterized in that, The business data includes: business volume and business type. The determination of the deployment probability of audio and video acquisition equipment for each of the locations subject to risk control, based on the business data and historical risk exposure levels of each location, includes: For each of the locations to be subject to risk control, the business volume, business type, and historical risk exposure level are clustered to obtain corresponding business volume level scores, business type level scores, and risk exposure level scores, wherein the business volume level, business type level, and risk exposure level each correspond to different weight parameters; Based on the business volume level score, the business type level score, the risk exposure level score, and the weight parameters corresponding to the business volume level score, the business type level score, and the risk exposure level score, the corresponding generalized cost is determined. Based on the generalized cost and the total generalized cost corresponding to the multiple locations to be subject to risk control, the deployment probability corresponding to each location to be subject to risk control is determined.

3. The method according to claim 1, characterized in that, The step of obtaining equipment installation strategies corresponding to multiple locations to be subject to risk control based on multiple deployment probabilities includes: Obtain the random deployment probability corresponding to each of the locations to be subject to risk control; Determine whether the random deployment probability is less than the deployment probability; When the random deployment probability is less than the deployment probability, the corresponding location to be subject to risk control is determined as the first equipment installation strategy. The first equipment installation strategy is used to instruct the corresponding location to be subject to risk control not to deploy audio and video acquisition equipment. If the random deployment probability is not less than the deployment probability, the corresponding location to be subject to risk control is determined as the second equipment installation strategy. The second equipment installation strategy is used to instruct the corresponding location to be subject to risk control to deploy audio and video acquisition equipment. The equipment installation strategy is generated based on the first equipment installation strategy or the second equipment installation strategy corresponding to each of the locations to be subject to risk control.

4. The method according to claim 1, characterized in that, The risk assessment strategy includes at least one risk assessment method, and the input cost includes equipment input cost and human resource input cost corresponding to each of the risk assessment methods. The determination of the total risk control cost based on a preset balance coefficient, the equipment installation strategy, the risk assessment strategy, input cost, risk exposure probability, and risk management cost includes: Based on the equipment installation strategy and the equipment investment cost, calculate the equipment expenditure. Based on the equipment installation strategy, the risk assessment strategy, and the human resource input cost corresponding to each of the risk assessment methods, calculate the human resource expenditure cost; Based on the equipment installation strategy, the probability of risk exposure, and the risk management cost, calculate the risk management fee corresponding to the risk exposure level; Based on the balance coefficient, the equipment expenditure, the human resource expenditure, and the risk management cost, the total risk control cost corresponding to the multiple locations to be subject to risk control is determined.

5. The method according to claim 1, characterized in that, The risk assessment strategy is iteratively optimized, and based on the optimized risk assessment strategy, the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined, including: A genetic algorithm is used to optimize the risk assessment strategy to obtain a first risk assessment strategy; Based on the multiple deployment probabilities, obtain the first equipment installation strategy corresponding to the multiple locations to be subject to risk control; Determine the first total risk control cost corresponding to the first risk assessment strategy and the first equipment installation strategy; Based on the genetic algorithm, the first risk assessment strategy is iteratively optimized, and the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies is determined.

6. The method according to claim 5, characterized in that, The step of outputting the optimal risk control strategy based on multiple total risk control costs includes: Based on the total risk control costs, determine the selection probability corresponding to each group of risk assessment strategies and equipment installation strategies; The risk assessment strategy and equipment installation strategy corresponding to the maximum selection probability are determined as the optimal risk control strategy, and then the output is processed.

7. The method according to claim 4, characterized in that, The risk management cost includes: a first risk management cost and a second risk management cost. The calculation of the risk management fee corresponding to the risk exposure level based on the equipment installation strategy, the risk exposure probability, and the risk management cost includes: For each of the multiple locations to be subject to risk control, under the first equipment installation strategy corresponding to the location to be subject to risk control, the location risk management cost corresponding to the location to be subject to risk control is calculated based on the risk event corresponding to the location to be subject to risk control and the first risk management cost. Under the second equipment installation strategy corresponding to the site to be subject to risk control, the site risk management cost is calculated based on the risk event corresponding to the site to be subject to risk control, the risk exposure probability, and the second risk management cost. The second risk management cost includes: risk assessment cost. The risk management cost is determined based on the site risk management costs corresponding to each of the multiple sites subject to risk control.

8. A risk control strategy determination device for multiple risk control locations, characterized in that, include: The acquisition module is used to acquire business data and historical risk exposure levels of multiple locations subject to risk control. The determination module is used to determine the deployment probability of audio and video acquisition devices for each of the locations to be subject to risk control based on the business data and historical risk exposure levels of each location. The acquisition module is also used to acquire risk assessment strategies corresponding to multiple risk events corresponding to multiple locations to be subject to risk control within a preset period. The acquisition module is also used to acquire equipment installation strategies corresponding to multiple locations to be subject to risk control based on multiple deployment probabilities. The determining module is also used to determine the total risk control cost based on the preset balance coefficient, the equipment installation strategy, the risk assessment strategy, the investment cost, the risk exposure probability, and the risk management cost. The balance coefficient is set based on the criticality corresponding to the risk exposure level and the investment cost, respectively. The optimization module is used to iteratively optimize the risk assessment strategy. The determination module is used to determine the total risk control cost corresponding to multiple risk assessment strategies and equipment installation strategies based on the optimized risk assessment strategy, and output the optimal risk control strategy according to the multiple total risk control costs when the preset iteration conditions are met.

9. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1 to 7.

11. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 7.

Images