CN111985851B - Bank outlet resource scheduling method and device - Google Patents

Bank outlet resource scheduling method and device Download PDF

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CN111985851B
CN111985851B CN202010928023.4A CN202010928023A CN111985851B CN 111985851 B CN111985851 B CN 111985851B CN 202010928023 A CN202010928023 A CN 202010928023A CN 111985851 B CN111985851 B CN 111985851B
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data
point
website
mesh
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CN111985851A (en
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朱江波
朱振勇
羡迪海
胡毅
董宝璐
刘朋强
陈文博
谢雨晗
韩有志
白盛楠
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Bank of China Ltd
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

The invention discloses a method and a device for scheduling bank website resources, wherein the method comprises the following steps: collecting client data and service data of each website; clustering each website according to the client data and the business data of each website to obtain a plurality of website sets; screening target mesh points meeting preset conditions from each mesh point set according to the customer complaint quantity, the idle time duty ratio or the working time of each mesh point, and uploading mesh point information of the target mesh points in each mesh point set to a blockchain network; determining the resource allocation data of other mesh points in each mesh point set according to the resource allocation data of the target mesh point in each mesh point set on the block chain network; and scheduling the resources of each network point according to the resource allocation data of each network point. The method and the system can dynamically schedule the resources of each website, and greatly improve the resource utilization rate and the business handling efficiency of the banking website, thereby improving the user experience of the client for handling the business at the website.

Description

Bank outlet resource scheduling method and device
Technical Field
The invention relates to the field of big data analysis, in particular to a method and a device for scheduling bank website resources.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In order to provide better service for customers, large banks have put in many sites so that each customer can transact banking nearby. Banking sites typically configure a number of staff and terminals to transact service for clients at the site of the site. The quantity of teller or terminal configured by the prior bank at each website is always fixed, and due to uncertainty of business handling of clients, the situations that some websites are particularly busy and some websites are particularly idle are frequently caused, and the problems of resource waste, low operation efficiency and poor client experience exist.
Therefore, how to provide a method for dispatching website resources is a problem to be solved in the prior art.
Disclosure of Invention
The embodiment of the invention provides a bank website resource scheduling method, which is used for solving the technical problems of resource waste, low operation efficiency and poor customer experience existing in the conventional method that a fixed number of teller or terminals are configured at each website by a bank, and comprises the following steps: collecting client data and service data of each website; clustering each website according to the client data and the business data of each website to obtain a plurality of website sets; screening target mesh points meeting preset conditions from each mesh point set according to the customer complaint quantity, the idle time duty ratio or the working time of each mesh point, and uploading mesh point information of the target mesh points in each mesh point set to a blockchain network; determining the resource allocation data of other mesh points in each mesh point set according to the resource allocation data of the target mesh point in each mesh point set on the block chain network; and scheduling the resources of each network point according to the resource allocation data of each network point.
The embodiment of the invention also provides a bank website resource scheduling device, which is used for solving the technical problems of resource waste, low operation efficiency and poor customer experience existing in the prior art that the bank configures a fixed number of teller or terminals at each website, and comprises the following steps: the network point data acquisition module is used for acquiring client data and service data of each network point; the network point cluster analysis module is used for clustering each network point according to the client data and the service data of each network point to obtain a plurality of network point sets; the system comprises a screen dot screening module, a block chain network and a block chain network, wherein the screen dot screening module is used for screening target screen dots meeting preset conditions from each screen dot set according to customer complaints, idle time duty ratio or working time of each screen dot, and uploading screen dot information of the target screen dots in each screen dot set to the block chain network; the network point resource allocation module is used for determining the resource allocation data of other network points in each network point set according to the resource allocation data of the target network point in each network point set on the blockchain network; and the node resource scheduling module is used for scheduling the resources of each node according to the resource allocation data of each node.
The embodiment of the invention also provides computer equipment which is used for solving the technical problems of resource waste, low operation efficiency and poor customer experience existing in the conventional bank that a fixed number of teller or terminals are configured at each website.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problems of resource waste, low operation efficiency and poor customer experience of the prior bank when a fixed number of teller or terminals are configured at each website, wherein the computer readable storage medium stores a computer program for executing the banking website resource scheduling method.
In the embodiment of the invention, after the client data and the service data of each website are acquired, the website sets are clustered according to the client data and the service data of each website, and then the target website meeting the preset condition is screened out from each website set according to the client complaint quantity, the idle time occupation ratio or the working time, website information of the target website in each website set is uploaded to a blockchain network, then the resource allocation data of other website in each website set is determined according to the resource allocation data of the target website in each website set on the blockchain network, and finally the resources of each website are scheduled according to the resource allocation data of each website.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flowchart of a method for scheduling bank website resources provided in an embodiment of the present invention;
FIG. 2 is a flowchart of an alternative method for scheduling banking website resources provided in an embodiment of the present invention;
FIG. 3 is a flowchart of an alternative method for scheduling banking website resources provided in an embodiment of the present invention;
FIG. 4 is a schematic diagram of a banking website resource scheduling device according to an embodiment of the present invention;
fig. 5 is a schematic diagram of an alternative banking website resource scheduling device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
The embodiment of the invention provides a bank website resource scheduling method which can be applied to, but is not limited to, scheduling of resources such as website teller or terminals (e.g. intelligent teller machines and the like arranged at the website).
Fig. 1 is a flowchart of a method for scheduling bank website resources according to an embodiment of the present invention, where, as shown in fig. 1, the method may include the following steps:
s101, collecting client data and service data of each website.
It should be noted that, the client data collected in the embodiment of the present invention may be client data for transacting business at a website in a historical period of time, or may be client data for collecting site at a website in real time; the service data collected in the embodiment of the invention can be the service data transacted by the network point in the historical time period, and can also be the service data transacted by the network point in the real-time collection. Alternatively, the collected customer data may include: total number of customers, high net value number of customers, asset information of customers at banks, etc.; the collected business data may include: transaction type, transaction amount, etc.
S102, clustering the network points according to the client data and the service data of the network points to obtain a plurality of network point sets.
In one embodiment, the step S102 may be based on a density clustering algorithm, and cluster each mesh point according to client data and service data of each mesh point, and divide each mesh point into a plurality of mesh point sets.
In the embodiment of the invention, the clustering algorithm DBSCAN based on the density is adopted to cluster each network point, and the number of the network point sets is not required to be known in advance. In specific implementation, a radius r and a minimum point number n are firstly determined; starting from any data point which is not accessed, taking the point as the center, judging whether the number of the points contained in the circle with the radius r is greater than or equal to n, and if the number of the points is greater than or equal to n, marking the point as a center point; otherwise, marking as noise points; repeating the steps, if a certain noise point exists in a circle with a certain center point as a radius, marking the point as an edge point, otherwise, still being the noise point; the execution is repeated until all points have been accessed.
And S103, screening out target mesh points meeting preset conditions from each mesh point set according to the customer complaint quantity, the idle time length duty ratio or the working time length of each mesh point, and uploading mesh point information of the target mesh points in each mesh point set to the blockchain network.
It should be noted that, in the embodiment of the present invention, the target mesh point refers to the mesh point with the largest resource utilization rate, and may be represented by, but not limited to, the following indexes: the customer complaint amount is minimum, the idle time is minimum or the working time is longest. In practice, these indices may be considered in combination. Because the resource allocation data of each network point is required to be determined according to the resource allocation data of the target network point, the network point information of the target network point is uploaded to the blockchain network, so that not only can other network points quickly acquire the information of the target network point, but also the non-tamper property of the information of the target network point can be ensured.
S104, determining the resource allocation data of other mesh points in each mesh point set according to the resource allocation data of the target mesh point in each mesh point set on the blockchain network.
It should be noted that, in the embodiment of the present invention, the resource allocation data may include, but is not limited to, the number, the kind, or the working time of the allocated resources.
In the embodiment of the invention, the number of the target mesh points in each mesh point set can be one or more, if the number of the target mesh points is more than one, the resource allocation data of other mesh points in each mesh point set can be determined according to the average value of the resource allocation data of the target mesh points in each mesh point set, and the resource allocation data of other mesh points can be determined according to the resource allocation data of the mesh point with the highest similarity with other mesh points in each mesh point set. It should be noted that, in the embodiment of the present invention, other dots refer to dots other than the target dot in each dot set.
In one embodiment, the method for scheduling banking website resources provided in the embodiment of the present invention may further determine resource allocation data of each website in a future time period by: predicting client data or business data of each website in a preset time period in the future; and according to the client data or the service data of each network point in the future preset time period, adjusting the network point set to which each network point belongs, and determining the resource allocation data of each network point in the future preset time period.
In a practical application scenario, this often happens: because of certain public events, such as large-scale sports events, the service transaction amount of the nearby network points is increased suddenly, the client data or service data of the network points can be predicted in advance according to a pre-trained artificial intelligent model, and then the resource allocation data of the network points in a prediction period is determined, such as the increase of network point staff or the increase of terminal equipment in advance.
S105, scheduling the resources of each website according to the resource allocation data of each website.
Further, in an embodiment, as shown in fig. 2, the method for scheduling banking website resources provided in the embodiment of the present invention may further include the following steps:
s201, calculating the resource consumption ratio of each sub-node subordinate to each node, wherein the resource consumption ratio of each sub-node is the proportion of each sub-node resource to the total resource of the node subordinate to each sub-node;
s202, distributing the resources scheduled to each sub-network point according to the resource consumption duty ratio of each sub-network point.
For each big banking institution, the resources of each branch point may be scheduled according to the schemes provided in S101 to S105, and after the resources are scheduled and allocated to each branch point, each branch point may also allocate the resources of each branch point to each subordinate sub-point through the schemes provided in S201 to S202. For example, the sub-dots under the branch line dots include a branch Huang Zhuang dot, a Suzhou street dot, a Zhi Chun dot, and the like, and after determining the total resources of the branch line according to the schemes provided in S101 to S105, the resources may be allocated to the sub-dots further according to the resource consumption ratio of the sub-dots.
Optionally, as shown in fig. 2, the method for scheduling banking website resources provided in the embodiment of the present invention may specifically calculate the resource consumption ratio of each sub website subordinate to each website by:
s2011, calculating the resource consumption ratio of each sub-network point according to the business transaction amount of each sub-network point;
s2012, calculating the resource consumption ratio of each sub-website according to the risk business transaction amount of each sub-website;
s2013, calculating the resource consumption ratio of each sub-network point according to the average business handling time length of each sub-network point.
Optionally, after scheduling the resources of each website according to the resource allocation data of each website, as shown in fig. 3, the method for scheduling the resources of the banking website provided in the embodiment of the present invention may further include:
s106, dynamically updating the target mesh point in each mesh point set.
In one embodiment, after scheduling the resources of each website according to the resource allocation data of each website, the method for scheduling the resources of the banking website provided in the embodiment of the present invention may further dynamically update the target website in each website set by: monitoring customer complaints of each website, and the idle time duty ratio or the working time; and updating the target mesh point in each mesh point set according to the monitoring result.
In another embodiment, after scheduling the resources of each website according to the resource allocation data of each website, the method for scheduling the resources of the banking website provided in the embodiment of the present invention may further dynamically update the target website in each website set by: collecting workload data of each website teller for transacting business; recording the workload data of each website teller for transacting business on a block chain network; based on intelligent contracts pre-configured on a blockchain network, generating quantitative evaluation results of all the network points according to workload data of the network personnel of all the network points for transacting business; and updating the target mesh point in each mesh point set according to the quantized evaluation result of each mesh point.
It should be noted that, the workload data of the teller handling the business collected in the embodiment of the present invention includes, but is not limited to: the working time, the service customer information, the business handling amount, the customer evaluation information and the like.
In the embodiment of the invention, the workload data of the business handling of each website teller is recorded on the blockchain network, and for the third party staff, the work of the third party staff can be evaluated according to the data recorded on the blockchain network, and corresponding accounting processing is executed with the third party staff.
For staff of a certain organization, the data of the uploaded blockchain can be used as an assessment index for carrying out business assessment on network points and staff.
Based on the same inventive concept, the embodiment of the invention also provides a banking website resource scheduling device, as described in the following embodiment. The principle of the device for solving the problems is similar to that of a bank node resource scheduling method, so that the implementation of the device can be referred to the implementation of the bank node resource scheduling method, and repeated parts are not repeated.
Fig. 4 is a schematic diagram of a banking website resource scheduling device provided in an embodiment of the present invention, as shown in fig. 4, where the device includes: the system comprises a website data acquisition module 41, a website cluster analysis module 42, a website screening module 43, a website resource allocation module 44 and a website resource scheduling module 45.
The website data acquisition module 41 is used for acquiring client data and service data of each website; the website cluster analysis module 42 is configured to cluster each website according to the client data and the service data of each website, so as to obtain a plurality of website sets; the mesh point screening module 43 is configured to screen out target mesh points meeting preset conditions from each mesh point set according to customer complaint amounts, idle time length duty ratios or working time lengths of the mesh points, and upload mesh point information of the target mesh points in each mesh point set to the blockchain network; the node resource allocation module 44 is configured to determine resource allocation data of other nodes in each node set according to resource allocation data of a target node in each node set on the blockchain network; and the node resource scheduling module 45 is configured to schedule resources of each node according to the resource allocation data of each node.
Alternatively, the dot cluster analysis module 42 may cluster each dot according to the client data and the service data of each dot based on a density clustering algorithm, and divide each dot into a plurality of dot sets.
In one embodiment, as shown in fig. 5, the banking website resource scheduling device provided in the embodiment of the present invention may further include: a website data prediction module 46, configured to predict client data or service data of each website in a preset time period in the future; the node resource allocation module 44 is further configured to adjust a node set to which each node belongs according to client data or service data of each node in a preset time period in the future, and determine resource allocation data of each node in the preset time period in the future.
In one embodiment, as shown in fig. 5, the banking website resource scheduling device provided in the embodiment of the present invention may further include: a website monitoring module 47, configured to monitor customer complaints of each website, an idle time period duty ratio or a working time period; the mesh point screening module 43 is further configured to update the target mesh point in each mesh point set according to the monitoring result.
In one embodiment, as shown in fig. 5, the banking website resource scheduling device provided in the embodiment of the present invention may further include: a mesh point evaluation module 48 for: collecting workload data of each website teller for transacting business; recording the workload data of each website teller for transacting business on a block chain network; based on intelligent contracts pre-configured on a blockchain network, generating quantitative evaluation results of all the network points according to workload data of the network personnel of all the network points for transacting business; the mesh point screening module 43 is further configured to update the target mesh points in each mesh point set according to the quantized evaluation result of each mesh point.
In one embodiment, the node resource scheduling module 45 is further configured to: calculating the resource consumption ratio of each sub-node subordinate to each node, wherein the resource consumption ratio of each sub-node is the proportion of the resource of each sub-node to the total resource of the node subordinate to each sub-node; and distributing the resources scheduled to each sub-network point according to the resource consumption duty ratio of each sub-network point.
Optionally, based on the above embodiment, the above node resource scheduling module 45 is further configured to calculate, by any one of the manners, a resource consumption ratio of each sub-node subordinate to each node:
according to the business transaction amount of each sub-network point, calculating the resource consumption ratio of each sub-network point;
calculating the resource consumption ratio of each sub-website according to the risk business transaction amount of each sub-website;
and thirdly, calculating the resource consumption ratio of each sub-network point according to the average business handling time of each sub-network point.
Based on the same inventive concept, the embodiment of the invention also provides a computer device, which is used for solving the technical problems of resource waste, low operation efficiency and poor customer experience existing in the conventional bank that a fixed number of teller or terminals are configured at each website.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium for solving the technical problems of resource waste, low operation efficiency and poor customer experience existing in the conventional bank that a fixed number of teller or terminals are configured at each website, wherein the computer readable storage medium stores a computer program for executing the bank website resource scheduling method.
In summary, the embodiment of the invention provides a method, a device, a computer device and a computer readable storage medium for scheduling bank node resources, after collecting client data and service data of each node, clustering each node according to the client data and service data of each node to obtain a plurality of node sets, further screening out target node meeting preset conditions from each node set according to client complaint amount, idle time occupation ratio or working time, uploading node information of the target node in each node set to a block chain network, determining resource allocation data of other nodes in each node set according to resource allocation data of each node in each node set on the block chain network, and finally scheduling resources of each node according to the resource allocation data of each node.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims (11)

1. The bank outlet resource scheduling method is characterized by comprising the following steps of:
collecting client data and service data of each website;
clustering each website according to the client data and the business data of each website to obtain a plurality of website sets;
screening target mesh points meeting preset conditions from each mesh point set according to the customer complaint quantity, the idle time duty ratio or the working time of each mesh point, and uploading mesh point information of the target mesh points in each mesh point set to a blockchain network;
determining the resource allocation data of other nodes in each node set according to the resource allocation data of the target nodes in each node set on the blockchain network;
scheduling the resources of each network point according to the resource allocation data of each network point;
the target mesh point refers to one or more mesh points with the maximum resource utilization rate in each mesh point set; the other mesh points refer to all mesh points except the target mesh point in each mesh point set;
after scheduling the resources of each mesh point according to the resource allocation data of each mesh point, the method further comprises:
monitoring customer complaints of each website, and the idle time duty ratio or the working time;
and updating the target mesh point in each mesh point set according to the monitoring result.
2. The method of claim 1, wherein clustering each mesh point based on client data and business data of each mesh point to obtain a plurality of mesh point sets comprises:
and clustering each dot according to the client data and the service data of each dot based on a density clustering algorithm, and dividing each dot into a plurality of dot sets.
3. The method of claim 1, wherein the method further comprises:
predicting client data or business data of each website in a preset time period in the future;
and according to the client data or the service data of each network point in the future preset time period, adjusting the network point set to which each network point belongs, and determining the resource allocation data of each network point in the future preset time period.
4. The method of claim 1, wherein after scheduling the resources of each mesh point according to the resource allocation data of each mesh point, the method further comprises:
collecting workload data of each website teller for transacting business;
recording the workload data of each website teller for transacting business on a block chain network;
based on the intelligent contracts pre-configured on the blockchain network, generating quantitative evaluation results of all the network points according to workload data of the network personnel handling the business of all the network points;
and updating the target mesh point in each mesh point set according to the quantized evaluation result of each mesh point.
5. The method according to any one of claims 1 to 4, wherein after scheduling the resources of the respective mesh points according to the resource allocation data of the respective mesh points, the method further comprises:
calculating the resource consumption ratio of each sub-node subordinate to each node, wherein the resource consumption ratio of each sub-node is the proportion of the resource of each sub-node to the total resource of the node subordinate to each sub-node;
and distributing the resources scheduled to each sub-network point according to the resource consumption duty ratio of each sub-network point.
6. The method of claim 5, wherein calculating the resource consumption ratio of each sub-dot subordinate to each dot comprises any one of:
calculating the resource consumption ratio of each sub-network point according to the business transaction amount of each sub-network point;
calculating the resource consumption ratio of each sub-website according to the risk business transaction amount of each sub-website;
and calculating the resource consumption ratio of each sub-network point according to the average service handling time of each sub-network point.
7. A banking outlet resource scheduling device, comprising:
the network point data acquisition module is used for acquiring client data and service data of each network point;
the network point cluster analysis module is used for clustering each network point according to the client data and the service data of each network point to obtain a plurality of network point sets;
the system comprises a screen dot screening module, a block chain network and a block chain network, wherein the screen dot screening module is used for screening target screen dots meeting preset conditions from each screen dot set according to customer complaints, idle time duty ratio or working time of each screen dot, and uploading screen dot information of the target screen dots in each screen dot set to the block chain network;
the network point resource allocation module is used for determining the resource allocation data of other network points in each network point set according to the resource allocation data of the target network point in each network point set on the blockchain network;
the network node resource scheduling module is used for scheduling the resources of each network node according to the resource allocation data of each network node;
the target mesh point refers to one or more mesh points with the maximum resource utilization rate in each mesh point set; the other mesh points refer to all mesh points except the target mesh point in each mesh point set;
the apparatus further comprises:
the website monitoring module is used for monitoring customer complaints of each website, the idle time duty ratio or the working time;
the screen dot screening module is further used for updating target screen dots in each screen dot set according to the monitoring result.
8. The apparatus of claim 7, wherein the apparatus further comprises:
the network point data prediction module is used for predicting client data or business data of each network point in a preset time period in the future;
the network point resource allocation module is further used for adjusting a network point set to which each network point belongs according to client data or business data of each network point in a preset time period in the future and determining resource allocation data of each network point in the preset time period in the future.
9. The apparatus of claim 7, wherein the apparatus further comprises:
the network point evaluation module is used for: collecting workload data of each website teller for transacting business; recording the workload data of each website teller for transacting business on a block chain network; based on the intelligent contracts pre-configured on the blockchain network, generating quantitative evaluation results of all the network points according to workload data of the network personnel handling the business of all the network points;
the screen dot screening module is further used for updating target screen dots in each screen dot set according to the quantitative evaluation result of each screen dot.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the banking outlet resource scheduling method of any of claims 1 to 6 when the computer program is executed.
11. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which when executed by a computer implements the banking outlet resource scheduling method of any one of claims 1 to 6.
CN202010928023.4A 2020-09-07 2020-09-07 Bank outlet resource scheduling method and device Active CN111985851B (en)

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