Business authority management method, electronic device, storage medium, and program product

Abstract

Embodiments of the present disclosure provide a business authority management method, an electronic device, a storage medium and a program product. The method comprises: obtaining channel business data of a target channel; determining a business measurement index of the target channel according to the channel business data; wherein the business measurement index represents a business quality or attribute level of the target channel; determining a channel level corresponding to the target channel according to the business measurement index; and managing the business authority of the target channel based on the channel level; wherein the business authority represents the type of business that the target channel can handle. The method is used to accurately control the authority of the channel to handle the business, improve the management efficiency of the channel, and respond to the changes of the channel in a timely manner.

Description

Technical Field

[0001] This application relates to the fields of business access management and financial business, and in particular to a business access management method, electronic device, storage medium and program product. Background Technology

[0002] As telecom operators' businesses develop, in order to better serve customers and meet their needs, they have gradually begun to offer installment payment options. Offering installment payment plans not only provides customers with new choices but also contributes to the better development of the operators' businesses.

[0003] However, the development of installment payment services has encountered various problems, including uneven business development, abnormal user acquisition through operator channels, and complaints due to violations by operator channels. Currently, existing methods to address these issues typically involve interviewing and urging the relevant personnel, but these methods are somewhat delayed and cannot respond promptly to problems arising from operator channels.

[0004] Therefore, how to accurately score, rate, and monitor operator channels, and manage their business permissions, has become an urgent problem to be solved. Summary of the Invention

[0005] This disclosure provides a business access management method, electronic device, storage medium, and program product to accurately control the access rights of channels for handling business, improve the management efficiency of channels, and respond promptly to changes in channels.

[0006] In a first aspect, embodiments of this disclosure provide a business access control method, including:

[0007] Obtain channel business data from the target channels;

[0008] Based on channel business data, determine the business measurement indicators for the target channels; among them, the business measurement indicators characterize the business quality or attribute level of the target channels.

[0009] Determine the channel level corresponding to the target channel based on business performance metrics;

[0010] The target channel's business permissions are managed based on channel level; where business permissions represent the types of business that the target channel can handle.

[0011] In one possible implementation, business metrics for the target channel are determined based on channel business data, including:

[0012] Determine multiple measurement dimensions for channel business data;

[0013] Obtain channel business data and corresponding dimension data for each measurement dimension separately;

[0014] Based on the dimensional data and preset weights corresponding to each measurement dimension, the business measurement indicators for the target channel are determined.

[0015] In one possible implementation, when business metrics characterize business quality, channel business data and corresponding dimension data for each metric dimension are acquired, including:

[0016] For each measurement dimension, principal component analysis is used to extract the principal components, corresponding eigenvalues, and corresponding variance explained rates of the channel business data.

[0017] Based on the number of corresponding eigenvalues ​​and the corresponding variance explained rate, the weights corresponding to each principal component are calculated.

[0018] Based on the principal components and their corresponding weights, the dimensional data corresponding to the measurement dimensions are calculated.

[0019] In one possible implementation, before determining the business metrics for the target channel based on channel business data, the method further includes:

[0020] If the amount of channel business data for the target channel is less than a preset threshold, the channel level corresponding to the target channel will be determined as the preset observation level.

[0021] In one possible implementation, the method further includes:

[0022] Obtain the total volume of business data for the target channel within a preset period, as well as the number of non-compliant transactions within that total volume of business data.

[0023] Based on the total number of transactions and the number of non-compliant transactions, determine the non-compliance rate of the target channel within a preset period;

[0024] Update the channel level corresponding to the target channel based on the business violation rate and business performance metrics.

[0025] In one possible implementation, business metrics represent attribute levels, and each metric dimension includes at least one metric; the channel business data and the corresponding metric dimension data are acquired respectively, including:

[0026] For each measurement dimension, obtain the preset score corresponding to each dimension indicator and the number of times the dimension indicator occurs;

[0027] Based on the preset score for each dimension indicator and the frequency of occurrence of the dimension indicator, the dimension data corresponding to the measurement dimension is determined.

[0028] In one possible implementation, before acquiring the channel business data of the target channel, the method further includes:

[0029] Obtain raw business data from the target channels;

[0030] The original business data is preprocessed to obtain channel business data; the preprocessing includes at least one of the following: outlier removal, missing value insertion, normalization, and data type conversion.

[0031] In one possible implementation, managing the business permissions of a target channel based on channel level includes:

[0032] Obtain the current business permissions for the target channel;

[0033] Manage the business permissions of the target channel based on the current business permissions and channel level.

[0034] Secondly, embodiments of this disclosure provide a business access control device, comprising:

[0035] The acquisition unit is used to acquire channel business data of the target channel;

[0036] The first determining unit is used to determine the business measurement indicators of the target channel based on the channel business data; wherein, the business measurement indicators characterize the business quality or attribute level of the target channel.

[0037] The second determining unit is used to determine the channel level corresponding to the target channel based on business performance metrics.

[0038] The management unit is used to manage the business permissions of target channels based on channel level; where business permissions represent the types of business that the target channel can handle.

[0039] Thirdly, embodiments of this disclosure provide a business access control device, including: a memory and a processor;

[0040] The memory stores computer-executed instructions;

[0041] 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.

[0042] Fourthly, embodiments of this disclosure 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.

[0043] Fifthly, embodiments of this disclosure 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.

[0044] The business access management method, electronic device, storage medium, and program product provided in this disclosure acquire channel business data of a target channel, determine business measurement indicators of the target channel based on the channel business data, determine the corresponding channel level of the target channel based on the business measurement indicators, and manage the business access of the target channel based on the channel level. By determining the corresponding channel level of the target channel based on the business measurement indicators, the business level of the channel can be quantified, which facilitates better management of the channel's business access. By managing the business access of the channel, the management capability of the business processing channel is improved, thereby improving the quality of business processing in the channel. Attached Figure Description

[0045] 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.

[0046] Figure 1 A flowchart illustrating a business access control method provided in this embodiment of the disclosure;

[0047] Figure 2 A flowchart illustrating a business access control method provided in this embodiment of the disclosure;

[0048] Figure 3 A schematic diagram illustrating an exemplary dimension for measuring service quality provided for embodiments of this disclosure;

[0049] Figure 4 A schematic diagram illustrating an exemplary dimension for measuring attribute levels, provided for embodiments of this disclosure;

[0050] Figure 5 A flowchart illustrating a business access control method provided in this embodiment of the disclosure;

[0051] Figure 6 A structural block diagram of a business access control device provided in this embodiment of the present disclosure;

[0052] Figure 7 A structural block diagram of a business access control device provided in this embodiment of the present disclosure;

[0053] Figure 8 A structural block diagram of an electronic device provided in an embodiment of this disclosure;

[0054] Figure 9 This is a block diagram illustrating an electronic device according to an exemplary embodiment.

[0055] 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

[0056] 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.

[0057] First, let me explain the terms used in this application:

[0058] Positive metrics: Positive metrics are quantifiable targets for expected numerical growth or performance improvement in a business. Higher values ​​generally indicate a healthier business environment or a higher degree of goal achievement. Positive metrics directly reflect the progress of core business objectives.

[0059] Reverse metrics: Reverse metrics are quantifiable targets for reducing expected values ​​or problems in business operations. The smaller the value, the better the process optimization effect. Reverse metrics reflect losses or anomalies in business execution.

[0060] Channel: The full name is distribution channel, which means the sales route of goods. It refers to the circulation route of goods, that is, the way in which the manufacturer's goods are sent to a certain social network or agents or distributors and sold to different regions in order to achieve the purpose of sales.

[0061] The Raida criterion, also known as the Three Sigma criterion or 3σ criterion, is a statistical method used to eliminate gross errors in data. Its core idea is to assume that a set of test data contains only random errors. By calculating the standard deviation and determining an interval, errors exceeding this interval are considered gross errors, and the relevant data should be discarded.

[0062] KMO: The Kaiser-Meyer-Olkin (KMO) test statistic is used to compare simple correlation coefficients and partial correlation coefficients between variables. It is mainly applied to factor analysis in multivariate statistics. The KMO statistic takes values ​​between 0 and 1. When the sum of squares of the simple correlation coefficients among all variables is much greater than the sum of squares of the partial correlation coefficients, the closer the KMO value is to 1, the stronger the correlation between the variables, and the more suitable the original variables are for factor analysis. When the sum of squares of the simple correlation coefficients among all variables is close to 0, the closer the KMO value is to 0, the weaker the correlation between the variables, and the less suitable the original variables are for factor analysis.

[0063] Bartlett's test of sphericity: This test examines the degree of correlation between variables. It is generally performed before factor analysis to determine if the variables are suitable for factor analysis. The test starts with the correlation coefficient matrix. Its null hypothesis is that the correlation coefficient matrix is ​​an identity matrix, meaning all diagonal elements are 1 and all off-diagonal elements are zero. The Bartlett's test statistic is derived from the determinant of the correlation coefficient matrix. If this value is large, and the corresponding co-occurrence probability is less than the user's expected significance level, then the null hypothesis should be rejected, indicating that the correlation coefficient cannot be an identity matrix, meaning there is a correlation between the original variables, making factor analysis suitable. Conversely, if the value is large, factor analysis is not suitable.

[0064] Principal Component Analysis (PCA): PCA, also known as principal component analysis, aims to transform multiple indicators into a few comprehensive indicators by using the idea of ​​dimensionality reduction.

[0065] Intermediate Tables: In databases, intermediate tables are special tables used to manage many-to-many relationships. They act as a bridge between two main tables that need to establish a many-to-many relationship. They establish the association by storing the primary keys of the two main tables, making queries and data management more efficient. In database design, many-to-many relationships often exist between two tables, such as students and courses: a student can select multiple courses, and a course can be taken by multiple students. To manage such complex relationships, the role of intermediate tables cannot be ignored. The design of intermediate tables can not only optimize query performance and reduce data redundancy, but also improve data consistency and integrity. For example, in the student and course example, the intermediate table usually contains the primary key fields of the student and course tables, using these fields to establish many-to-many relationships, thereby achieving more efficient data management.

[0066] As telecom operators expand their businesses, in order to better serve customers and meet their needs, they are gradually promoting installment payment services across various regions and establishing different channels for processing installment payments. Installment payments not only enrich customer choices but also reduce their financial burden, helping operators better attract new customers and retain existing ones. However, while developing these channels, the uneven geographical distribution, scale, and quality of these channels, coupled with a lack of effective management mechanisms, make it difficult to detect irregularities in the timely manner, leading to significant losses.

[0067] Currently, the management of channel business operations largely relies on interviewing relevant personnel and requiring them to strengthen the management of installment business. This method has limited effectiveness and can easily affect the normal development of the channel. In some channels, customer complaints are used as the channel's performance evaluation standard. Closing and rectifying the channel after a certain number of complaints is also too delayed and makes it difficult to respond to the channel's problems in a timely manner.

[0068] The business access management method, electronic device, storage medium, and program product provided in this application are intended to solve the above-mentioned problems in the prior art.

[0069] This application is used for the management of channel business permissions, specifically for managing the permissions to process installment payment services for telecom operators. Based on the channel business data of the target channel, business performance indicators for the target channel are determined, and the corresponding channel level is determined according to these indicators. Then, business permissions for the target channel are managed based on the channel level.

[0070] Figure 1 This is a flowchart illustrating a business access management method provided in an embodiment of the present disclosure. The method can be executed by a business access management device.

[0071] like Figure 1 As shown, the method includes the following steps:

[0072] S101. Obtain channel business data for the target channel.

[0073] The target channels are the business processing channels that currently require business access management. Channel business data can include installment order data, cancellation data, coupon cancellation data, arrears and disconnection data, telephone follow-up data, customer complaint data, and channel revenue data generated by the channel when conducting installment business; all data in the channel business data are positive indicators.

[0074] For example, obtaining channel business data of a target channel can be achieved by retrieving channel business data generated within a preset time period from the target channel's database.

[0075] In this embodiment, before obtaining the channel business data of the target channel, the raw business data generated by the target channel during its operation within a preset time period is first obtained from the target channel's database. This raw business data is unprocessed and may contain outliers, missing values, etc.

[0076] Next, the raw business data is preprocessed to obtain channel business data. This preprocessing includes at least one of the following: outlier removal, missing value insertion, normalization, and data type conversion.

[0077] Outlier removal can be a process that identifies outliers from the original business data based on the Raida criteria and then removes them.

[0078] In the missing value imputation process, it is possible to detect whether there are missing values ​​in the original business data. If they are found, the missing values ​​are imputed using the average value or adjacent values.

[0079] Normalization can be performed by determining whether the original business data is a positive or negative indicator. If the original business data is a positive indicator, then according to a preset minimum-maximum normalization formula, minimum-maximum normalization is applied to the data to obtain the normalized original business data. The preset minimum-maximum normalization formula can be, for example:

[0080]

[0081] in, Represents the normalized original business data. The original business data is characterized by normalization. The minimum value among the data that represents the original business data. This represents the maximum value among data belonging to the same category as the original business data. The formula indicates that the normalized original business data is equal to the ratio of the difference between the original business data and the minimum value among the data in the same category to the difference between the maximum and minimum values ​​among the data in the same category.

[0082] If the original business data is a reverse indicator, then according to the preset maximum-minimum normalization formula, the data is processed using maximum-minimum normalization to obtain the normalized original business data. The preset maximum-minimum normalization formula can be, for example:

[0083]

[0084] This formula represents that the normalized original business data is equal to the ratio of the difference between the maximum value and the original data in the same category as the original business data, and the difference between the maximum value and the minimum value in the same category as the original business data.

[0085] All data in the normalized original business data are positive indicators.

[0086] Data type conversion can be used to unify raw business data in different formats into data in an intermediate table format.

[0087] The advantage of this setup is that it preprocesses the raw, rough business data, making the format of the preprocessed channel business data uniform and standardized. This ensures that all channel business data are positive indicators, improves data readability, reduces data processing difficulty, and thus improves the efficiency of determining the business metrics for target channels.

[0088] S102. Based on channel business data, determine the business measurement indicators for the target channel; whereby the business measurement indicators characterize the business quality or attribute level of the target channel.

[0089] For example, when business metrics characterize the business quality of a target channel, data related to channel business development is obtained from channel business data, such as installment order data, coupon sales data, contract cancellation data, and channel revenue data. Based on the data related to channel business development, the business metrics for the target channel are determined. For example, the business metrics for the target channel can be obtained by summing up the data related to channel business development.

[0090] When business metrics characterize the attribute level of a target channel, data related to channel violations is obtained from channel business data, such as data on unpaid bills and churn, telephone follow-up data, customer complaint data, and other complaint data. Based on the data associated with channel violations, the business metrics for the target channel are determined. For example, the business metrics for the target channel can be obtained by summing up the data related to channel violations.

[0091] S103. Determine the channel level corresponding to the target channel based on business performance metrics.

[0092] For example, channel levels can be preset, such as A-level, B-level, C-level, and O-level. A pre-defined correlation between business performance metrics scores and these preset channel levels can also be established; that is, different score ranges correspond to different channel levels. After obtaining the business performance metrics for the target channel, the channel level corresponding to the business performance metrics is determined based on the pre-defined correlation between the business performance metrics scores and the preset channel levels.

[0093] For example, the score ranges are 0-10, 10-60, 60-100, and above 100. When the score is in the range of 0-10, the corresponding channel level is level O; when the score is in the range of 10-60, the corresponding channel level is level C; when the score is in the range of 60-100, the corresponding channel level is level B; and when the score is above 100, the corresponding channel level is level A.

[0094] S104. Manage the business permissions of target channels based on channel level; whereby business permissions represent the types of business that the target channel can handle.

[0095] For example, a pre-defined association between channel level and business permissions is established; that is, the corresponding business permissions are only granted to a target channel when it reaches the corresponding channel level. Based on the channel level and the association between channel level and business permissions, the business permissions of the target channel are managed. If the channel level of the target channel does not match the current business permissions, the business permissions of the target channel are either opened or closed.

[0096] In one example, a whitelist can be used to manage the business permissions of a target channel. That is, business permissions are only granted to a target channel if it is on the whitelist; otherwise, the target channel has no business permissions.

[0097] When using a whitelist to manage the business permissions of a target channel, the whitelist and its filtering conditions can be preset. The preset whitelist represents the channel level and is used to control the business permissions of the target channel. The preset whitelist filtering conditions are used to filter the target channel based on business performance indicators. If the business performance indicators of the target channel meet the preset filtering conditions, the target channel is added to the whitelist.

[0098] In one example, the channel level of a specific target channel can be preset. For instance, for pilot channel A, the channel level of the channel can be preset to level A.

[0099] The business access management method provided in this disclosure can determine the business measurement indicators of the target channel based on the channel business data of the target channel, and determine the channel level corresponding to the target channel based on the determined business measurement indicators, so as to quickly determine the business level of the target channel, thereby managing the business access of the target channel based on the channel level, and improving the management efficiency of the business access of the target channel.

[0100] In this embodiment, the method further includes: obtaining the total business data volume of the target channel within a preset period and the number of non-compliant businesses within the total business data volume; determining the business violation rate of the target channel within the preset period based on the total business volume and the number of non-compliant businesses; and updating the channel level corresponding to the target channel based on the business violation rate and business measurement indicators.

[0101] Specifically, after determining the channel level of the target channel, the total volume of business data and the number of non-compliant transactions within the total business data are obtained from the channel's business data within a preset period. The total volume of business data represents the number of transactions completed by the target channel within the preset period, and the number of non-compliant transactions represents the number of transactions where non-compliant behavior occurred within the target channel during the preset period.

[0102] Based on the total number of transactions and the number of violations, determine the violation rate of the target channel within a preset period. Based on the violation rate and performance metrics, update the channel level corresponding to the target channel. For example, the initial level of the target channel can be determined based on performance metrics. When the violation rate of the target channel is less than the violation rate threshold corresponding to the initial level, the initial level is set as the channel level of the target channel. When the violation rate of the target channel is greater than or equal to the violation rate threshold corresponding to the initial level, the channel level is downgraded based on the violation rate of the target channel and the violation rate threshold corresponding to each level, thus obtaining the corresponding channel level for the target channel.

[0103] For example, if the initial grade of a target channel is determined to be Grade A based on the channel's business performance metrics, and the violation rate threshold corresponding to Grade A is 10%, and the target channel's business violation rate is 8%, then Grade A is determined as the target channel's channel grade; if the target channel's business violation rate is 12%, and the violation rate threshold corresponding to Grade B is 20%, then the target channel's channel grade is updated to Grade B; if the target channel's business violation rate is 23%, the violation rate threshold corresponding to Grade B is 20%, and the violation rate threshold corresponding to Grade C is 30%, then the target channel's channel grade is updated to Grade C.

[0104] The beneficial effect of this setup is that by using business performance metrics and business violation rates to double-verify the channel level of the target channel, the measurement of the channel level of the target channel is more accurate, the phenomenon of target channels raising their channel level in order to process a large number of non-compliant business is eliminated, the reliability of channel rating is improved, and the precise classification of channels is achieved.

[0105] In order to comprehensively determine the business capabilities or attribute levels of the target channel, a multi-dimensional system is constructed in this embodiment. Based on this multi-dimensional system, business measurement indicators corresponding to the target channel are calculated, so as to realize the management of business permissions of the target channel based on the business measurement indicators.

[0106] Specifically, Figure 2 This is a flowchart illustrating a business access control method provided in an embodiment of this disclosure. Figure 2 As shown, the method provided in this embodiment may include the following steps:

[0107] S201. Obtain channel business data for the target channel.

[0108] For example, this step can be referred to in the relevant description in step S101 above, and will not be repeated here.

[0109] S202. Determine multiple measurement dimensions for channel business data.

[0110] The measurement dimensions are used to measure the business quality or attribute level of the target channel from different perspectives. In this embodiment, four measurement dimensions for measuring the business quality of the target channel and four measurement dimensions for measuring the attribute level of the target channel are proposed.

[0111] Specifically, such as Figure 3 As shown, the four dimensions used to measure the business capabilities of a target channel can include business volume, business violations, business composition, and business revenue. Figure 4 As shown, the four measurement dimensions used to measure the attribute level of a target channel can include business volume warning, customer complaint warning, follow-up warning, and suspension warning.

[0112] The advantage of this setup is that by defining multiple measurement dimensions to establish a multi-dimensional system, it breaks through the limitations of traditional single indicators. It transforms indicators that originally relied on manual judgment into quantifiable data measurement dimensions, making it easier to dynamically adjust the weights of measurement dimensions according to actual needs and improving the robustness of business permission management.

[0113] S203. Obtain the channel business data and the corresponding dimension data for each measurement dimension.

[0114] Continue to refer to Figure 3 For example, channel business data under the "business volume" metric can be data related to the quantity and stability of business development, such as installment order data generated by the target channel when conducting installment business. Channel business data under the "business violations" metric can be data related to violations, customer complaints, and customer follow-ups obtained from channel business data, such as data on unpaid bills and churn, telephone follow-up data, customer complaint data, and other complaint data. Channel business data under the "business composition" metric can be development data of different businesses offered by the target channel, such as installment products, credit products, and package products. Channel business data under the "business revenue" metric can be data related to the overall business revenue of the target channel, such as channel revenue data and revenue balance data.

[0115] Continue to refer to Figure 4For example, if the measurement dimension is business volume warning, then abnormal data on business volume growth, abnormal data on new user enrollment, and abnormal location data will be obtained from the channel business data. If the measurement dimension is complaint warning, then customer complaint data will be obtained from the channel business data. If the measurement dimension is follow-up visit warning, then channel violation operation data will be obtained from the channel business data. If the measurement dimension is service suspension warning due to overdue payments, then data on users leaving the network due to overdue payments will be obtained from the channel business data.

[0116] In this way, by acquiring the data corresponding to each measurement dimension from the channel business data separately, the dimensional data of each measurement dimension is calculated, thereby obtaining the business measurement indicators of the target channel. This allows for the determination of the business quality or attribute level of the target channel from different measurement dimensions, improving the accuracy of managing the business permissions of the target channel.

[0117] S204. Based on the dimension data and preset weights corresponding to each measurement dimension, determine the business measurement indicators for the target channel.

[0118] For example, after obtaining the dimensional data for each dimension of the business measurement indicator, the dimensional data of each measurement dimension are weighted and summed according to the preset weight of each measurement dimension to obtain the business measurement indicator for the target channel. In this way, by pre-setting the weight of each measurement dimension, the weight of each measurement dimension can be adjusted in a targeted manner according to the needs of business management, thereby improving the accuracy and robustness of the business measurement indicators and making business management more applicable to different target channels.

[0119] The following is a detailed description of the specific process of obtaining channel business data and the corresponding dimension data for each measurement dimension when using business measurement indicators to characterize business quality and attribute levels.

[0120] Specifically, when business metrics characterize business quality, for each measurement dimension, principal component analysis is used to extract the principal components, corresponding eigenvalues, and corresponding variance explained rates of the channel business data. Based on the number of corresponding eigenvalues ​​and the corresponding variance explained rates, the weights corresponding to each principal component are calculated. Based on the principal components and their corresponding weights, the dimension data corresponding to the measurement dimension is calculated.

[0121] Specifically, when business metrics characterize business quality, the measurement dimensions include business quantity, business violations, business composition, and business revenue. For any of these measurement dimensions, the channel business data within that measurement dimension is identified as data to be determined, and the correlation value and Bartlett value of the data to be determined are determined.

[0122] Among them, the correlation value is the KMO value, which represents the degree of correlation between the variables in the data to be determined. The stronger the correlation between the variables, the more suitable the data is for dimensionality reduction. The Bartlett value represents the degree of independence between the variables. The lower the degree of independence between the variables, the more suitable the data is for dimensionality reduction.

[0123] If the correlation value and Bartlett value of the data to be determined both meet the preset dimensionality reduction screening conditions, then based on the principal component analysis method, the data to be determined is extracted to extract the principal components, corresponding eigenvalues, and corresponding variance explained rates of the channel business data.

[0124] The preset dimensionality reduction screening conditions can be as follows: pre-setting corresponding relevance thresholds and Bartlett thresholds, and performing dimensionality reduction on the data to be determined that falls within the threshold range. For example, performing dimensionality reduction on the data to be determined with a relevance value greater than 0.6 and a Bartlett value less than 0.05. Extraction processing can be, for example, extracting components that satisfy the condition of having an eigenvalue greater than 1 and a cumulative variance explained rate greater than 85% as principal components.

[0125] Among them, the eigenvalue reflects the explanatory power of a component for the data to be determined. The larger the eigenvalue, the stronger the explanatory power for the data to be determined, that is, the more worthwhile the component is to be retained. The variance explained rate characterizes the degree of coverage of the data to be determined by the component. The cumulative variance explained rate is the sum of the variance explained rates. When the cumulative variance explained rate is greater than 85%, it indicates that the component can fully cover the data to be determined.

[0126] Table 1. Eigenvalues ​​and Explained Variance

[0127]

[0128] Table 1 is an exemplary table of eigenvalues ​​and variance explained in this embodiment. The numbers in Table 1 represent the components in the data to be determined. Each number represents a different component. In the table, only components numbered 1, 2, and 3 have eigenvalues ​​greater than 1, and the cumulative variance explained by these three components is greater than 85%. Therefore, components numbered 1, 2, and 3 are extracted as principal components, and their corresponding eigenvalues ​​and variance explained are extracted.

[0129] Based on the number of corresponding eigenvalues ​​and the variance explained, the weights corresponding to each principal component are calculated. For example, the weights of each principal component can be determined using a pre-defined weight determination formula, based on the number of corresponding eigenvalues ​​and the corresponding variance explained. The pre-defined weight determination formula could be, for example:

[0130]

[0131] in, The weights that characterize the principal components It represents the position of the principal component among all principal components. Characterizing the first The weights corresponding to each principal component; Characterizing the first The variance explained by each principal component; This represents the number of principal components. This formula represents, for the... The weight corresponding to the principal component is equal to the weight of the first principal component. The ratio of the variance explained by each principal component to the sum of the variance explained by all principal components.

[0132] For example, taking the data in Table 1 as an example, according to the preset weight determination formula, the weight of principal component number 1 is the ratio of the variance explained by that component (50.266) to the cumulative variance explained (88.733), and the weight of principal component number 1 is equal to 0.566. Applying the preset weight formula to principal components number 2 and 3 respectively, we can obtain that the weight of principal component number 2 is 0.265 and the weight of principal component number 3 is 0.169.

[0133] Based on the principal components and their corresponding weights, and following a pre-defined formula for calculating dimensional data, the principal components under this measurement dimension are weighted and summed to obtain the corresponding dimensional data. The pre-defined formula for calculating dimensional data could be, for example:

[0134]

[0135] in, The dimensional data corresponding to the dimension that represents the measurement dimension. The weights of the principal components in the characterization dimension are used to represent the overall weights of the components. This represents the score of the principal component. For example, if the principal component numbered 1 is determined to have a score of 0.8 and a weight of 0.566; the principal component numbered 2 has a score of 0.5 and a weight of 0.265; and the principal component numbered 3 has a score of 0.3 and a weight of 0.169, then substituting these scores into the preset formula for calculating the dimensional data will yield a dimensional data score of 0.636.

[0136] The beneficial effect of this setting is that by setting dimensionality reduction screening conditions, the dimensionality reduction process is automated. Dimensionality reduction is only performed on the data to be determined when it meets the dimensionality reduction screening conditions, avoiding meaningless additional dimensionality reduction and improving the efficiency of data dimensionality reduction. By using principal component analysis, the interpretability of the data to be determined is preserved while ensuring the coverage of the data to be determined, thus improving the efficiency and accuracy of determining the dimensional data.

[0137] It should be noted that in this embodiment, before determining the business measurement indicators for the target channel, it is first determined whether the amount of channel business data for the target channel is less than a preset threshold. If the amount of channel business data for the target channel is greater than or equal to the preset threshold, the above-described process of determining the business measurement indicators for the target channel based on the channel business data is performed. If the amount of channel business data for the target channel is less than the preset threshold, the channel level corresponding to the target channel is directly determined as the preset observation level.

[0138] For example, when determining whether the number of channel business data for a target channel is less than a preset threshold, the number of successfully completed transactions within the target channel's channel business data over the past 12 months can be obtained. If the number of successfully completed transactions is less than the preset threshold, the target channel is deemed to have insufficient business volume, eliminating the need for subsequent confirmation of business measurement indicators. The channel level corresponding to the target channel with insufficient business volume is then determined as a preset observation level. In this way, for transactions where the number of completed transactions within a certain period is less than the preset threshold, directly classifying them as observation level effectively reduces the need for business measurement determination for inactive channels, significantly reducing resource consumption and improving the efficiency and quality of target channel business management.

[0139] Specifically, when business measurement indicators represent attribute levels, the measurement dimensions include business volume warnings, appeal warnings, follow-up warnings, and service suspension warnings due to overdue payments. Each measurement dimension includes at least one dimension indicator. For any given measurement dimension, the preset score corresponding to each dimension indicator is obtained, as well as the number of times each dimension indicator occurs under that measurement dimension. Here, the dimension indicator represents the behavior under the measurement dimension; the behavior can be a violation generated by the target channel during business processing. For example, for the business volume warning measurement dimension, the dimension indicator could be location anomalies, etc. The preset score for each item is a score pre-set according to business management needs; for example, the score for location anomalies could be set to 5.

[0140] Then, based on the preset score corresponding to each dimension indicator and the number of times the dimension indicator occurs, the dimension data corresponding to the measurement dimension is determined. For example, the preset score corresponding to each dimension indicator can be multiplied by the number of times the dimension indicator occurs to obtain the score of the dimension indicator, and the scores of all dimension indicators under the measurement dimension can be added together to obtain the dimension data corresponding to the measurement dimension.

[0141] For example, when the warning measurement dimension is business quantity warning, and the dimension indicator is location anomaly, if the number of times a location anomaly occurs is 3, and its location anomaly score is 5, then the score for the location anomaly dimension indicator is 15. Adding up the scores of all dimension indicators under the business quantity warning measurement dimension yields the dimension data corresponding to that measurement dimension.

[0142] The advantage of this setup is that the preset score for each dimension indicator can be set as needed, which improves the flexibility of determining dimension data and quantifies the dimension indicators according to the corresponding preset scores to obtain accurate dimension data.

[0143] S205. Determine the channel level corresponding to the target channel based on business performance metrics.

[0144] For example, this step can be referred to in the relevant description in step S103 above, and will not be repeated here.

[0145] S206. Manage the business permissions of target channels based on channel level; whereby business permissions represent the types of business that the target channel can handle.

[0146] For example, this step can be referred to in the relevant description in step S104 above, and will not be repeated here.

[0147] The business permission management method provided in this disclosure acquires channel business data of a target channel, determines business measurement indicators of the target channel based on the channel business data, determines the corresponding channel level of the target channel based on the business measurement indicators, and manages the business permissions of the target channel based on the channel level. By determining the corresponding channel level of the target channel based on the business measurement indicators, the business level of the channel can be quantified, which facilitates better management of the channel's business permissions. By managing the business permissions of the channel, the management capability of the business handling channel is improved, thereby improving the quality of business handling by the channel.

[0148] In this embodiment, the business quality or attribute level of the target channel can be determined periodically to dynamically adjust the business permissions of the target channel.

[0149] Specifically, Figure 5 This is a flowchart illustrating a business access control method provided in an embodiment of this disclosure. Figure 3 As shown, the method includes the following steps:

[0150] S501. Obtain channel business data for the target channel.

[0151] For example, this step can be referred to in the relevant description in step S101 above, and will not be repeated here.

[0152] S502. Based on channel business data, determine the business measurement indicators for the target channel; whereby the business measurement indicators characterize the business quality or attribute level of the target channel.

[0153] For example, this step can be referred to in the relevant description in step S102 above, and will not be repeated here.

[0154] S503. Determine the channel level corresponding to the target channel based on business performance metrics.

[0155] For example, this step can be referred to in the relevant description in step S103 above, and will not be repeated here.

[0156] S504. Obtain the current business permissions of the target channel.

[0157] For example, obtain the current business permissions of the target channel. For instance, obtain the types of services that the target channel can currently handle.

[0158] The advantage of this setup is that obtaining the current business permissions of the target channel allows for a better understanding of its current status, facilitating subsequent management of the target channel's business permissions based on its channel level.

[0159] S505. Based on current business permissions and channel level, manage the business permissions of the target channel.

[0160] For example, business permissions for a target channel are managed based on the current business permissions and the channel level. For instance, if the channel level is the same as the channel level corresponding to the current business permissions, the current business permissions for the target channel are maintained; if the channel level is higher than the channel level corresponding to the current business permissions, the business permissions corresponding to the channel level are granted to the target channel; if the channel level is lower than the channel level corresponding to the current business permissions, business permissions that do not match the channel level are disabled.

[0161] The advantage of this setup is that it allows for efficient management of target channel permissions based on current business permissions and channel levels. This enables a rapid response to changes in the target channel's channel level, timely opening or closing of target channel permissions, improved management efficiency, and reduced losses caused by management lag.

[0162] The business permission management method provided in this disclosure acquires channel business data of a target channel, determines business measurement indicators of the target channel based on the channel business data, determines the corresponding channel level of the target channel based on the business measurement indicators, and manages the business permissions of the target channel based on the channel level. By determining the corresponding channel level of the target channel based on the business measurement indicators, the business level of the channel can be quantified, which facilitates better management of the channel's business permissions. By managing the business permissions of the channel, the management capability of the business handling channel is improved, thereby improving the quality of business handling by the channel.

[0163] Figure 6 This is a structural block diagram of a business access management device provided in an embodiment of the present disclosure.

[0164] For ease of explanation, only the parts relevant to the embodiments of this disclosure are shown, with reference to... Figure 6 The business access control device 600 includes: an acquisition unit 601, a first determination unit 602, a second determination unit 603, and a management unit 604.

[0165] Acquisition unit 601 is used to acquire channel business data of the target channel.

[0166] The first determining unit 602 is used to determine the business measurement indicators of the target channel based on the channel business data; wherein the business measurement indicators characterize the business quality or attribute information of the target channel.

[0167] The second determining unit 603 is used to determine the channel level corresponding to the target channel based on business measurement indicators.

[0168] Management unit 604 is used to manage the business permissions of target channels based on channel level; wherein, business permissions represent the types of business that the target channel can handle.

[0169] Figure 7 This is a structural block diagram of a business access management device provided in an embodiment of the present disclosure.

[0170] exist Figure 6 Based on the illustrated embodiments, as Figure 7 As shown, the first determining unit 602 includes a time acquisition module 6021 and an anomaly determination module 6022.

[0171] The dimension determination module 6021 is used to determine multiple measurement dimensions of channel business data.

[0172] The Dimension Data Module 6022 is used to acquire channel business data and the corresponding dimensional data for each measurement dimension.

[0173] The indicator determination module 6023 is used to determine the business measurement indicators of the target channel based on the dimension data corresponding to each measurement dimension and the preset weight.

[0174] In one example, the dimensional data module 6022 includes: a first extraction submodule, used to extract the principal component eigenvalues ​​and corresponding variance explained rates of the channel business data for each measurement dimension based on principal component analysis; a weighting submodule, used to calculate the weight corresponding to each principal component eigenvalue based on the number of principal component eigenvalues, the principal component eigenvalues, and the corresponding variance explained rates; and a first dimensional data submodule, used to calculate the dimensional data corresponding to the measurement dimension based on the principal component eigenvalues ​​and their corresponding weights.

[0175] In one example, the device may further include: an observation level unit, used to determine the channel level corresponding to the target channel as a preset observation level when the amount of channel business data of the target channel is less than a preset threshold.

[0176] In one example, the device may further include: a violation business unit, used to obtain the total business data volume of the target channel within a preset period and the number of violation businesses within the total business data volume; a violation rate unit, used to determine the business violation rate of the target channel within the preset period based on the total business volume and the number of violation businesses; and an update unit, used to update the channel level corresponding to the target channel based on the business violation rate and business performance indicators.

[0177] In one example, the dimension data module 6022 includes: a second extraction submodule, used to obtain the preset score corresponding to each dimension indicator and the number of times the dimension indicator occurs for each measurement dimension; and a second dimension data submodule, used to determine the dimension data corresponding to each measurement dimension based on the preset branch corresponding to each dimension indicator and the number of times the dimension indicator occurs.

[0178] In one example, the apparatus may further include: a raw data acquisition unit for acquiring raw business data of the target channel; and a preprocessing unit for preprocessing the raw business data to obtain channel business data; wherein the preprocessing includes at least one of outlier removal, missing value insertion, normalization, and data type conversion.

[0179] In one example, management unit 604 may specifically include: a permission acquisition module, used to acquire the current business permissions of the target channel; and a management module, used to manage the business permissions of the target channel based on the current business permissions and channel level.

[0180] The business access management device in this embodiment can be used to execute the technical solution of the above method embodiment. Its implementation principle and technical effect are similar, and will not be described again here.

[0181] Figure 8 This is a structural block diagram of an electronic device provided in an embodiment of the present disclosure. The electronic device may be a terminal device or a server, such as... Figure 8 As shown, the electronic device 800 includes: at least one processor 802; and a memory 801 communicatively connected to the at least one processor 802; wherein the memory stores instructions that can be executed by the at least one processor 802, and the instructions are executed by the at least one processor 802 to enable the at least one processor 802 to execute the business access management method of this disclosure.

[0182] The electronic device 800 also includes a receiver 803 and a transmitter 804. The receiver 803 is used to receive instructions and data sent by other devices, and the transmitter 804 is used to send instructions and data to external devices.

[0183] According to embodiments of this disclosure, this disclosure also provides an electronic device, a readable storage medium, and a computer program product.

[0184] According to embodiments of this disclosure, this disclosure also provides a computer program product comprising: a computer program stored in a readable storage medium, at least one processor of an electronic device being able to read the computer program from the readable storage medium, and the at least one processor executing the computer program causing the electronic device to perform the scheme provided in any of the above embodiments.

[0185] Figure 9 This is a block diagram illustrating an electronic device according to an exemplary embodiment. The device may be a mobile phone, computer, digital broadcasting terminal, messaging device, game console, tablet device, medical device, fitness device, personal digital assistant, etc.

[0186] Device 900 may include one or more of the following components: processing component 902, memory 904, power supply component 906, multimedia component 908, audio component 911, input / output (I / O) interface 912, sensor component 914, and communication component 916.

[0187] Processing component 902 typically controls the overall operation of device 900, such as operations associated with display, telephone calls, data communication, camera operation, and recording. Processing component 902 may include one or more processors 920 to execute instructions to perform all or part of the steps of the methods described above. Furthermore, processing component 902 may include one or more modules to facilitate interaction between processing component 902 and other components. For example, processing component 902 may include a multimedia module to facilitate interaction between multimedia component 908 and processing component 902.

[0188] Memory 904 is configured to store various types of data to support the operation of device 900. Examples of this data include instructions for any application or method operating on device 900, contact data, phonebook data, messages, pictures, videos, etc. Memory 904 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.

[0189] Power supply component 906 provides power to various components of device 900. Power supply component 906 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to device 900.

[0190] Multimedia component 908 includes a screen that provides an output interface between device 900 and user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touchscreen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensors may sense not only the boundaries of touch or swipe actions but also the duration and pressure associated with the touch or swipe operation. In some embodiments, multimedia component 908 includes a front-facing camera and / or a rear-facing camera. When device 900 is in an operating mode, such as a shooting mode or video mode, the front-facing camera and / or rear-facing camera may receive external multimedia data. Each front-facing camera and rear-facing camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

[0191] Audio component 910 is configured to output and / or input audio signals. For example, audio component 910 includes a microphone (MIC) configured to receive external audio signals when device 900 is in an operating mode, such as call mode, recording mode, and voice recognition mode. The received audio signals may be further stored in memory 904 or transmitted via communication component 916. In some embodiments, audio component 910 also includes a speaker for outputting audio signals.

[0192] I / O interface 912 provides an interface between processing component 902 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to, home buttons, volume buttons, power buttons, and lock buttons.

[0193] Sensor assembly 914 includes one or more sensors for providing status assessments of various aspects of device 900. For example, sensor assembly 914 may detect the on / off state of device 900, the relative positioning of components such as the display and keypad of device 900, changes in the position of device 900 or a component of device 900, the presence or absence of user contact with device 900, the orientation or acceleration / deceleration of device 900, and temperature changes of device 900. Sensor assembly 914 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. Sensor assembly 914 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, sensor assembly 914 may also include an accelerometer, a gyroscope, a magnetometer, a pressure sensor, or a temperature sensor.

[0194] Communication component 916 is configured to facilitate wired or wireless communication between device 900 and other devices. Device 900 can access wireless networks based on communication standards, such as WiFi, 2G, or 3G, or combinations thereof. In one exemplary embodiment, communication component 916 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, communication component 916 also includes a near-field communication (NFC) module to facilitate short-range communication. For example, the NFC module may be implemented based on radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

[0195] In an exemplary embodiment, device 900 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the methods described above.

[0196] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a memory 904 including instructions, which can be executed by a processor 920 of the device 900 to perform the above-described method. For example, the non-transitory computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

[0197] This embodiment also provides a computer-readable storage medium that stores computer-executable instructions. When these computer-executable instructions are executed by the processor of a terminal device, the terminal device is able to execute the aforementioned business permission management method.

[0198] 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.

[0199] 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.

[0200] 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.

[0201] 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.

[0202] When an integrated unit / module is 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. 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.

[0203] 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.

[0204] 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 these combinations of technical features do not contradict each other, they should be considered within the scope of this specification.

[0205] 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.

[0206] 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 managing business access permissions, characterized in that, The method includes: Obtain channel business data from the target channels; Based on the channel business data, determine the business measurement indicators for the target channel; wherein, the business measurement indicators characterize the business quality or attribute level of the target channel; Based on the aforementioned business performance metrics, determine the channel level corresponding to the target channel; The target channel's business permissions are managed based on the channel level; wherein, the business permissions represent the types of business that the target channel can handle.

2. The method according to claim 1, characterized in that, The step of determining the business performance metrics for the target channel based on the channel business data includes: Determine multiple measurement dimensions for the channel business data; Obtain the channel business data and the dimension data corresponding to each of the measurement dimensions respectively; Based on the dimensional data corresponding to each of the measurement dimensions and the preset weights, the business measurement indicators of the target channel are determined.

3. The method according to claim 2, characterized in that, When the business measurement indicators characterize the business quality, the step of acquiring the channel business data and the dimension data corresponding to each measurement dimension includes: For each of the aforementioned measurement dimensions, principal components, corresponding eigenvalues, and corresponding variance explained rates of the channel business data are extracted based on principal component analysis. Based on the number of corresponding eigenvalues ​​and the corresponding variance explained rate, the weights corresponding to each principal component are calculated. Based on the principal components and their corresponding weights, the dimensional data corresponding to the measurement dimension is calculated.

4. The method according to claim 2, characterized in that, Before determining the business metrics for the target channel based on the channel business data, the method further includes: If the amount of channel business data in the target channel is less than a preset threshold, the channel level corresponding to the target channel is determined as a preset observation level.

5. The method according to claim 1, characterized in that, The method further includes: Obtain the total volume of business data of the target channel within a preset period and the number of illegal business transactions within the total volume of business data; Based on the total number of transactions and the number of non-compliant transactions, the non-compliance rate of the target channel within the preset period is determined; Based on the business violation rate and the business performance metrics, update the channel level corresponding to the target channel.

6. The method according to claim 2, characterized in that, The business measurement metrics characterize the attribute levels, and each measurement dimension includes at least one dimension metric; the step of acquiring the channel business data and the dimension data corresponding to each measurement dimension includes: For each of the measurement dimensions, obtain the preset score corresponding to each dimension indicator and the number of times the dimension indicator occurs; Based on the preset score corresponding to each dimension indicator and the number of times the dimension indicator occurs, the dimension data corresponding to the measurement dimension is determined.

7. The method according to claim 1, characterized in that, Before acquiring the channel business data of the target channel, the method further includes: Obtain the original business data of the target channel; The original business data is preprocessed to obtain the channel business data; wherein the preprocessing includes at least one of outlier removal, missing value insertion, normalization, and data type conversion.

8. The method according to claim 1, characterized in that, The management of business permissions for the target channel based on the channel level includes: Obtain the current business permissions of the target channel; Based on the current business permissions and the channel level, manage the business permissions of the target channel.

9. A business access control device, characterized in that, The device includes: The acquisition unit is used to acquire channel business data of the target channel; The first determining unit is configured to determine the business measurement indicators of the target channel based on the channel business data; wherein the business measurement indicators characterize the business quality or attribute level of the target channel; The second determining unit is used to determine the channel level corresponding to the target channel based on the business measurement indicators; The management unit is used to manage the business permissions of the target channel based on the channel level; wherein the business permissions represent the types of business that the target channel can handle.

10. 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 8.

11. 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 8.

12. 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 8.

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