CN115578180A - Bank outlet cash resource management method and device - Google Patents

Bank outlet cash resource management method and device Download PDF

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CN115578180A
CN115578180A CN202211360636.8A CN202211360636A CN115578180A CN 115578180 A CN115578180 A CN 115578180A CN 202211360636 A CN202211360636 A CN 202211360636A CN 115578180 A CN115578180 A CN 115578180A
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transaction
cash
matrix
outlet
banking
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朱江波
汤东波
李娜
胡佳锋
郭龙航
陈慧滢
韩天阳
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Bank of China Ltd
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Bank of China Ltd
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Abstract

The invention provides a method and a device for managing cash resources of a bank outlet, which relate to the technical field of financial data processing, and the method comprises the following steps: determining a reference network of a bank according to transaction data of each network of the bank; determining a reference network point corresponding to the first banking network point according to the transaction data of the first banking network point and the transaction data of the reference network point; determining a corresponding relation between a cash transaction matrix corresponding to a first bank outlet and the amount of cash according to a reference outlet corresponding to the first bank outlet; determining a cash transaction matrix of a first bank outlet corresponding to a current time point according to cash transaction data of the first bank outlet in a specified range before the current time point; determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point, the cash transaction matrix corresponding to the first bank outlet and the corresponding relation of the cash quantity, and managing the cash resources of the first bank outlet.

Description

Bank outlet cash resource management method and device
Technical Field
The invention relates to the technical field of financial data processing, in particular to a method and a device for managing cash resources of bank outlets.
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 the cash management of a bank, the cash resources of a network point are usually managed manually, and the amount of quota of cash depends on experience to a large extent. Too little cash quantity affects the client to handle cash business, while too much cash quantity occupies a large amount of cash positions, resulting in resource waste. At present, a cash management mode lacks support of actual requirements, cash is idle for a long time and is not used, or the cash is insufficient, and how to make quota amount more fit with the actual requirements becomes a difficult problem.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a method and a device for managing cash resources of a bank outlet.
In a first aspect of an embodiment of the present invention, a method for managing cash resources of a banking outlet is provided, including:
determining a reference website of a bank according to transaction data of each website of the bank;
for a first banking outlet, determining a reference outlet corresponding to the first banking outlet according to the transaction data of the first banking outlet and the transaction data of the reference outlet;
determining a corresponding relation between a cash transaction matrix corresponding to a first bank outlet and the amount of cash according to a reference outlet corresponding to the first bank outlet;
determining a cash transaction matrix of a first bank outlet corresponding to a current time point according to cash transaction data of the first bank outlet in a specified range before the current time point;
determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point and the corresponding relation between the cash transaction matrix and the cash quantity corresponding to the first bank outlet;
and managing the cash resources of the first bank outlet according to the cash quantity of the first bank outlet after the current time point.
In a second aspect of the embodiments of the present invention, a device for managing cash resources of a banking outlet is provided, including:
the transaction data processing module is used for determining a reference website of the bank according to the transaction data of each website of the bank;
the reference network point determining module is used for determining a reference network point corresponding to the first banking network point according to the transaction data of the first banking network point and the transaction data of the reference network point;
the corresponding relation determining module is used for determining the corresponding relation between the cash transaction matrix corresponding to the first bank outlet and the cash quantity according to the reference outlet corresponding to the first bank outlet;
the cash transaction matrix determining module is used for determining a cash transaction matrix of the first bank outlet corresponding to the current time point according to cash transaction data of the first bank outlet in a specified range before the current time point;
the cash quantity determining module is used for determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point, the cash transaction matrix corresponding to the first bank outlet and the corresponding relation of the cash quantity;
and the cash resource management module is used for managing the cash resources of the first bank outlet according to the cash quantity of the first bank outlet after the current time point.
In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor executes the computer program to implement a method for managing cash resources of a banking site.
In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided, which stores a computer program, and the computer program, when executed by a processor, implements a method of managing cash resources of a banking site.
In a fifth aspect of embodiments of the present invention, a computer program product is presented, which comprises a computer program that, when executed by a processor, implements a method of managing cash resources at a banking site.
The method and the device for managing the cash resources of the bank outlets determine the corresponding reference outlets by analyzing the transaction data of the banks and the bank outlets, further determine the cash quantity of the bank outlets by analyzing the transaction data and the cash quantity of the reference outlets, manage the cash resources of the bank outlets based on the cash quantity, realize more accurate cash resource management, better meet the requirements of customers, reasonably arrange the cash quota quantity, avoid the waste of the cash resources, reduce the idle of the cash resources and improve the utilization rate of the cash resources.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flow chart of a method for managing cash resources of a banking outlet according to an embodiment of the present invention.
Fig. 2 is a schematic flow chart of determining a reference website of a bank according to an embodiment of the present invention.
Fig. 3 is a schematic flow chart of determining a reference website corresponding to a first banking website according to an embodiment of the present invention.
Fig. 4 is a flowchart illustrating a process of determining a corresponding relationship between a cash transaction matrix and a cash amount corresponding to a first banking outlet according to an embodiment of the present invention.
Fig. 5 is a flowchart illustrating a process of determining a cash transaction matrix corresponding to a current time point at a first banking site according to an embodiment of the present invention.
Fig. 6 is a flow chart illustrating a process of determining the amount of cash corresponding to the current time point at the first banking site according to an embodiment of the present invention.
Fig. 7 is a schematic diagram of a cash resource management device of a banking outlet according to an embodiment of the present invention.
Fig. 8 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given only to enable those skilled in the art to better understand and to implement the present invention, and do not limit the scope of the present invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a method and a device for managing cash resources of a bank outlet are provided, and the technical field of financial data processing is involved.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flow chart of a method for managing cash resources of a banking outlet according to an embodiment of the present invention. As shown in fig. 1, the method includes:
s1, determining a reference network of a bank according to transaction data of each network of the bank;
s2, for the first banking outlet, determining a reference outlet corresponding to the first banking outlet according to the transaction data of the first banking outlet and the transaction data of the reference outlet;
s3, determining the corresponding relation between the cash transaction matrix corresponding to the first bank outlet and the cash quantity according to the reference outlet corresponding to the first bank outlet;
s4, determining a cash transaction matrix of the first banking outlet corresponding to the current time point according to cash transaction data of the first banking outlet in a designated range before the current time point;
s5, determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point, the cash transaction matrix corresponding to the first bank outlet and the corresponding relation of the cash quantity;
and S6, managing the cash resources of the first bank outlet according to the cash quantity of the first bank outlet after the current time point.
In order to explain the method for managing cash resources of the banking site more clearly, each step is described in detail below.
In S1, referring to fig. 2, determining a reference network of a bank according to transaction data of each network of the bank, includes:
s11, determining a transaction risk matrix corresponding to each banking outlet according to the transaction data of each banking outlet;
s12, taking the characteristic value of the transaction risk square matrix corresponding to the bank outlet as the characteristic value corresponding to the bank outlet;
and S13, determining a reference website of the bank according to the characteristic values corresponding to the banking websites.
In one embodiment, (S13) determining a reference website of the bank according to the feature value corresponding to each website of the bank, includes:
and taking the bank outlets of which the corresponding characteristic values are smaller than the first characteristic value threshold value as the reference outlets of the bank.
Specifically, (S11) determining a transaction risk square corresponding to each banking outlet according to the transaction data of each banking outlet, including:
s11-1, for each combination of channel type and transaction type, selecting transaction data of which the corresponding channel type is equal to the channel type of the combination and the corresponding transaction type is equal to the transaction type of the combination from the transaction data of the banking outlet, and taking the selected transaction data as the transaction data of which the combination corresponds to the banking outlet;
s11-2, taking the proportion of the transaction data related to risks in the transaction data of the bank branch corresponding to the combination as the risk probability of the bank branch corresponding to the combination;
s11-3, determining a transaction risk square matrix corresponding to the banking outlet, wherein the row of the transaction risk square matrix corresponds to the channel category, the column corresponds to the transaction category, and the value of each element of the transaction risk square matrix is equal to the risk probability of the combination of the channel category corresponding to the element and the transaction category corresponding to the banking outlet.
In S2, referring to fig. 3, for the first banking outlet, determining a reference outlet corresponding to the first banking outlet according to the transaction data of the first banking outlet and the transaction data of the reference outlet, includes:
s21, determining a transaction square matrix corresponding to the first banking outlet according to the transaction data of the first banking outlet; determining a trading square matrix corresponding to each reference network point according to the trading data of each reference network point;
s22, regarding each reference network point, taking the absolute value of the feature value of the difference between the transaction square matrix corresponding to the reference network point and the transaction square matrix corresponding to the first banking network point as the difference feature value corresponding to the reference network point;
and S23, determining the reference website corresponding to the first banking website according to the difference characteristic value corresponding to the reference website.
In one embodiment, (S23) determining the reference website corresponding to the first banking website according to the difference feature value corresponding to the reference website includes:
and taking the reference website with the modular length of the corresponding difference characteristic value smaller than the second characteristic value threshold as the reference website corresponding to the first banking website.
Specifically, (S21) determining a transaction square matrix corresponding to the first banking outlet according to the transaction data of the first banking outlet; determining a trading square matrix corresponding to each reference network point according to the trading data of each reference network point, wherein the trading square matrix comprises the following steps:
s21-1, regarding each combination of the customer category and the transaction category, taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of the first banking outlet as the transaction data of which the combination corresponds to the first banking outlet; and taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of each reference network point as the transaction data of which the combination corresponds to each reference network point;
s21-2, determining a transaction matrix corresponding to each reference network point, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the transaction categories, and the element value of each element is equal to the transaction quantity contained in the transaction data of the reference network point corresponding to the combination consisting of the customer category and the transaction category corresponding to the element;
s21-3, determining a transaction matrix corresponding to the first banking outlet, wherein rows of the transaction matrix correspond to customer categories, columns of the transaction matrix correspond to transaction categories, and the element value of each element is equal to the transaction quantity contained in the transaction data corresponding to the first banking outlet, wherein the combination of the customer category and the transaction category corresponding to the element;
s21-4, when the number of the customer categories is equal to the number of the transaction categories, taking the transaction matrix corresponding to each reference network point as a transaction square matrix corresponding to the reference network point, and taking the transaction matrix corresponding to a first bank network point as a transaction square matrix corresponding to the first bank network point;
s21-5, when the number of the customer categories is larger than that of the transaction categories, according to the difference between the number of the customer categories and the number of the transaction categories, compensating 0 for the column of the transaction matrix corresponding to each reference network point, and taking the obtained square matrix as the transaction square matrix corresponding to the reference network point; according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet;
s21-6, when the number of the customer categories is smaller than that of the transaction categories, supplementing 0 to the row of the transaction matrix corresponding to each reference network point according to the difference between the number of the transaction categories and the number of the customer categories, and taking the obtained square matrix as the transaction square matrix corresponding to the reference network point; and according to the difference between the number of the transaction types and the number of the customer types, 0 is supplemented to the row of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet.
In S3, referring to fig. 4, determining a corresponding relationship between a cash transaction matrix corresponding to the first banking outlet and the amount of cash according to the reference outlet corresponding to the first banking outlet includes:
s31, setting a plurality of time points;
s32, for each reference website corresponding to the first banking website, determining a cash transaction matrix of the reference website corresponding to each time point according to cash transaction data of the reference website in a specified range before each time point; determining the cash amount of the reference network after each time point according to the cash data of the reference network after each time point;
and S33, determining the corresponding relation between the cash transaction matrix corresponding to the first banking outlet and the cash quantity according to the cash transaction matrix corresponding to each time point and the cash quantity after each time point of each reference outlet corresponding to the first banking outlet.
Specifically, (S32) determining, according to the cash transaction data of the reference network point in the designated range before each time point, a cash transaction matrix of the reference network point corresponding to the time point, including:
s32-1, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the reference network point in a specified range before the time point for each combination of the cash channel category and the cash transaction category, and taking the selected cash transaction data as the cash transaction data of the reference network point corresponding to the combination at the time point;
and S32-2, determining a cash transaction matrix of the reference network point corresponding to the time point, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns of the cash transaction matrix correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination of the cash channel category and the cash transaction category corresponding to the element of the reference network point at the time point.
In S4, referring to fig. 5, determining a cash transaction matrix corresponding to the current time point by the first banking outlet according to the cash transaction data of the first banking outlet within the specified range before the current time point includes:
s41, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the first bank branch in a specified range before the current time point for each combination of the cash channel category and the cash transaction category, and taking the selected cash transaction data as the cash transaction data of the first bank branch corresponding to the combination at the current time point;
and S42, determining a cash transaction matrix corresponding to the current time point by the first banking point, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns of the cash transaction matrix correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data formed by the cash channel categories and the cash transaction categories corresponding to the element by the first banking point at the current time point.
In S5, referring to fig. 6, determining the amount of cash after the first banking outlet corresponds to the current time point according to the corresponding relationship between the cash transaction matrix corresponding to the first banking outlet corresponding to the current time point, the cash transaction matrix corresponding to the first banking outlet, and the amount of cash, includes:
s51, regarding each cash transaction matrix contained in the corresponding relation, taking the difference between the cash transaction matrix and the cash transaction matrix corresponding to the current time point of the first bank outlet as the matrix difference corresponding to the cash transaction matrix;
s52, complementing 0 according to the row number and the column number of the matrix difference corresponding to the cash transaction matrix to obtain a square matrix, and taking the feature value of the obtained square matrix as the difference feature value corresponding to the cash transaction matrix;
wherein, the specific calculation method of (S52) obtaining the square matrix by performing 0-complementing according to the row number and the column number of the matrix difference corresponding to the cash transaction matrix can refer to the methods from S21-1 to S21-6.
S53, determining a potential cash matrix according to the difference characteristic value corresponding to the cash transaction matrix contained in the corresponding relation;
and S54, determining the cash quantity of the first bank outlet after the current time point according to the corresponding relation among the potential cash matrix, the cash transaction matrix corresponding to the first bank outlet and the cash quantity.
Specifically, (S53) determining a potential cash matrix according to the gap feature value corresponding to the cash transaction matrix included in the corresponding relationship, including:
in one embodiment, (S53) determining the potential cash matrix according to the gap characteristic value corresponding to the cash transaction matrix included in the corresponding relationship, includes:
and taking the cash transaction matrix of which the modular length of the corresponding difference characteristic value in the cash transaction matrix contained in the corresponding relation is smaller than the third characteristic value threshold value as a potential cash matrix.
In one embodiment, (S53) determining the potential cash matrix according to the gap characteristic value corresponding to the cash transaction matrix included in the corresponding relationship, includes:
if the difference characteristic value corresponding to the cash transaction matrix does not exist for each cash transaction matrix contained in the corresponding relation, and the modular length of the difference characteristic value is smaller than a third characteristic value threshold value, taking other banking outlets of which the related indexes with the first banking outlet are larger than a coefficient threshold value as similar banking outlets of the first banking outlet;
updating a cash transaction matrix of the first bank outlet corresponding to the current time point according to transaction data of similar bank outlets of the first bank outlet;
and determining a potential cash matrix according to the updated cash transaction matrix corresponding to the current time point of the first bank outlet, the updated cash transaction matrix corresponding to the first bank outlet and the corresponding relationship between the cash transaction matrix corresponding to the first bank outlet and the cash quantity.
(in practical application, the cash transaction matrix corresponding to the current time point at the first banking outlet is updated, refer to the methods from S51 to S53.)
In one embodiment, the relevant indexes of the first banking outlet and other banking outlets are determined according to the following method:
a customer combination formed by each customer of the first bank outlet and each customer of other bank outlets is used as a customer combination corresponding to the first bank outlet and other bank outlets;
regarding each customer combination corresponding to the first banking outlet and other banking outlets, taking the relevant indexes of two customers contained in the customer combination as the relevant indexes corresponding to the customer combination;
and determining the relevant indexes of the first banking outlet and other banking outlets according to the relevant indexes corresponding to the customer combinations corresponding to the first banking outlet and other banking outlets.
(in an actual application scenario, the relevant indexes of the first bank outlet and other bank outlets may be determined as the mean of the relevant indexes corresponding to the customer combinations corresponding to the first bank outlet and other bank outlets.)
In one embodiment, the correlation indexes of the two customers included in the customer combination are determined according to the following method:
the bank server sends a related fingerprint acquisition request to each bank client information system, wherein the related fingerprint acquisition request comprises a selected hash function and the identity information of the two clients;
for each customer in the two customers, each bank customer information system acquires a relevant customer corresponding to the customer pre-stored in the bank customer information system and relevant indexes of the customer and the corresponding relevant customer according to the identity information of the customer;
for each relevant client corresponding to the client pre-stored in the bank client information system, according to the selected hash function, taking the hash value of the identity information of the relevant client as the fingerprint of the client relative to the bank client information system; taking the relevant index of the customer and the relevant customer as the relevant index of the relevant customer fingerprint corresponding to the customer and the relevant customer on the bank customer information system;
each bank client information system feeds back the determined related client fingerprints and the related indexes to the bank server;
for each client of the two clients, the bank server takes the union of the related client fingerprints of the client about the information systems of the respective bank clients as the related client fingerprint corresponding to the client;
taking the intersection of the related client fingerprints corresponding to the two clients as a public related fingerprint;
for each public correlation fingerprint, the bank server takes the maximum value of the correlation indexes of each client in the two clients and the public correlation fingerprint relative to the information systems of the respective bank clients as the correlation indexes of the client and the public correlation fingerprint;
the bank server determines the correlation indexes of the two clients according to the correlation indexes of each client and the common correlation fingerprints.
In S6, the cash resource of the first banking outlet is managed according to the cash amount of the first banking outlet after the current time point.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Having described the method of the exemplary embodiment of the present invention, next, a management apparatus of cash resources of a banking site of the exemplary embodiment of the present invention will be described with reference to fig. 7.
The implementation of the cash resource management device of the bank outlets can refer to the implementation of the above method, and repeated details are not repeated. The term "module" or "unit" used hereinafter may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Based on the same inventive concept, the present invention further provides a cash resource management device for a banking outlet, as shown in fig. 7, the device comprising:
the transaction data processing module 110 is configured to determine a reference website of a bank according to transaction data of each website of the bank;
a reference website determining module 120, configured to determine, for a first banking website, a reference website corresponding to the first banking website according to the transaction data of the first banking website and the transaction data of the reference website;
a corresponding relationship determining module 130, configured to determine, according to a reference website corresponding to a first banking website, a corresponding relationship between a cash transaction matrix corresponding to the first banking website and the amount of cash;
the cash transaction matrix determining module 140 is configured to determine, according to cash transaction data of the first banking outlet within a specified range before the current time point, a cash transaction matrix of the first banking outlet corresponding to the current time point;
the cash quantity determining module 150 is configured to determine, according to a cash transaction matrix corresponding to the first banking outlet at the current time point, and a corresponding relationship between the cash transaction matrix corresponding to the first banking outlet and the cash quantity, the cash quantity after the first banking outlet corresponds to the current time point;
the cash resource management module 160 is configured to manage the cash resources of the first banking outlet according to the amount of cash at the first banking outlet after the current time point.
In one embodiment, the transaction data processing module is specifically configured to:
determining a transaction risk matrix corresponding to each banking outlet according to the transaction data of each banking outlet;
taking the characteristic value of the transaction risk square matrix corresponding to the bank outlet as the characteristic value corresponding to the bank outlet;
and determining a reference website of the bank according to the characteristic value corresponding to each bank website.
In one embodiment, the transaction data processing module is specifically configured to:
for each combination of the channel type and the transaction type, selecting the transaction data of which the corresponding channel type is equal to the channel type of the combination and the corresponding transaction type is equal to the transaction type of the combination from the transaction data of the banking outlet, and taking the selected transaction data as the transaction data of which the combination corresponds to the banking outlet;
taking the proportion of the transaction data related to risks in the transaction data of the bank branch corresponding to the combination as the risk probability of the bank branch corresponding to the combination;
determining a transaction risk square matrix corresponding to the banking outlet, wherein the row of the transaction risk square matrix corresponds to the channel category, the column corresponds to the transaction category, and the value of each element of the transaction risk square matrix is equal to the risk probability that the combination of the channel category corresponding to the element and the transaction category corresponds to the banking outlet.
In an embodiment, the reference mesh point determining module is specifically configured to:
determining a transaction matrix corresponding to the first banking outlet according to the transaction data of the first banking outlet; determining a transaction matrix corresponding to each reference network point according to the transaction data of each reference network point;
for each reference network point, taking the absolute value of the characteristic value of the difference between the trading square matrix corresponding to the reference network point and the trading square matrix corresponding to the first banking network point as the difference characteristic value corresponding to the reference network point;
and determining a reference website corresponding to the first banking website according to the difference characteristic value corresponding to the reference website.
In an embodiment, the reference mesh point determining module is specifically configured to:
for each combination of the customer category and the transaction category, taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of the first banking outlet as the transaction data of which the combination corresponds to the first banking outlet; and taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of each reference network point as the transaction data of which the combination corresponds to each reference network point;
determining a transaction matrix corresponding to each reference network point, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the transaction categories, and the element value of each element is equal to the transaction quantity contained in the transaction data of the reference network point corresponding to the combination consisting of the customer category and the transaction category corresponding to the element;
determining a transaction matrix corresponding to a first banking outlet, wherein rows of the transaction matrix correspond to customer categories, columns of the transaction matrix correspond to transaction categories, and the element value of each element is equal to the transaction quantity contained in transaction data corresponding to the first banking outlet, wherein the combination of the customer category and the transaction category corresponding to the element;
when the number of the customer categories is equal to the number of the transaction categories, taking the transaction matrix corresponding to each reference network point as a transaction square matrix corresponding to the reference network point, and taking the transaction matrix corresponding to the first banking network point as a transaction square matrix corresponding to the first banking network point;
when the number of the customer categories is larger than that of the transaction categories, according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to each reference network point, and the obtained square matrix is used as the transaction square matrix corresponding to the reference network point; according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet;
when the number of the customer categories is smaller than that of the transaction categories, according to the difference between the number of the transaction categories and the number of the customer categories, 0 is supplemented to the row of the transaction matrix corresponding to each reference network point, and the obtained square matrix is used as the transaction square matrix corresponding to the reference network point; and according to the difference between the number of the transaction types and the number of the customer types, 0 is supplemented to the row of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet.
In an embodiment, the correspondence determining module is specifically configured to:
setting a plurality of time points;
for each reference network point corresponding to the first banking network point, determining a cash transaction matrix of the reference network point corresponding to each time point according to cash transaction data of the reference network point in a specified range before each time point; determining the cash amount of the reference network after each time point according to the cash data of the reference network after each time point;
and determining the corresponding relation between the cash transaction matrix corresponding to the first banking outlet and the cash quantity according to the cash transaction matrix corresponding to each time point of each reference outlet corresponding to the first banking outlet and the cash quantity after each time point.
In an embodiment, the correspondence determining module is specifically configured to:
for each combination of cash channel type and cash transaction type, selecting cash transaction data of which the corresponding cash channel type is equal to the cash channel type of the combination and the corresponding cash transaction type is equal to the cash transaction type of the combination from the cash transaction data of the reference network point in a specified range before the time point, and taking the selected cash transaction data as the cash transaction data of which the reference network point corresponds to the combination at the time point;
determining a cash transaction matrix corresponding to the time point by the reference network point, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination of the cash channel category and the cash transaction category corresponding to the element at the time point by the reference network point.
In one embodiment, the cash transaction matrix determination module is specifically configured to:
for each combination of the cash channel category and the cash transaction category, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the first bank outlet in a specified range before the current time point, and taking the selected cash transaction data as the cash transaction data of the first bank outlet corresponding to the combination at the current time point;
determining a cash transaction matrix corresponding to the current time point by the first bank outlet, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns of the cash transaction matrix correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination consisting of the cash channel category and the cash transaction category corresponding to the element at the current time point by the first bank outlet.
In an embodiment, the cash quantity determination module is specifically configured to:
for each cash transaction matrix contained in the corresponding relation, taking the difference between the cash transaction matrix and the cash transaction matrix corresponding to the current time point of the first bank outlet as the matrix difference corresponding to the cash transaction matrix;
performing 0 complementing according to the row number and the column number of the matrix difference corresponding to the cash transaction matrix to obtain a square matrix, and taking the obtained characteristic value of the square matrix as the difference characteristic value corresponding to the cash transaction matrix;
determining a potential cash matrix according to the difference characteristic value corresponding to the cash transaction matrix contained in the corresponding relation;
and determining the cash quantity of the first banking outlet after the current time point according to the corresponding relation among the potential cash matrix, the cash transaction matrix corresponding to the first banking outlet and the cash quantity.
It should be noted that although in the above detailed description several modules of the management means of cash resources at banking outlets are mentioned, such a division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Based on the aforementioned inventive concept, as shown in fig. 8, the present invention further provides a computer device 800, which includes a memory 810, a processor 820 and a computer program 830 stored in the memory 810 and capable of running on the processor 820, wherein the processor 820 implements the aforementioned cash resource management method of a bank outlet when executing the computer program 830.
Based on the foregoing inventive concept, the present invention proposes a computer-readable storage medium storing a computer program which, when executed by a processor, implements the foregoing method for managing cash resources of a banking site.
Based on the aforementioned inventive concept, the present invention proposes a computer program product comprising a computer program which, when executed by a processor, implements a method of managing cash resources of a banking outlet.
The method and the device for managing the cash resources of the bank outlets determine the corresponding reference outlets by analyzing the transaction data of the banks and the bank outlets, further determine the cash quantity of the bank outlets by analyzing the transaction data and the cash quantity of the reference outlets, manage the cash resources of the bank outlets based on the cash quantity, realize more accurate cash resource management, better meet the requirements of customers, reasonably arrange the cash quota quantity, avoid the waste of the cash resources, reduce the idle of the cash resources and improve the utilization rate of the cash resources.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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 has been described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (21)

1. A method for managing cash resources of a bank outlet is characterized by comprising the following steps:
determining a reference network of a bank according to transaction data of each network of the bank;
for a first banking outlet, determining a reference outlet corresponding to the first banking outlet according to the transaction data of the first banking outlet and the transaction data of the reference outlet;
determining a corresponding relation between a cash transaction matrix corresponding to a first bank outlet and the amount of cash according to a reference outlet corresponding to the first bank outlet;
determining a cash transaction matrix of a first bank outlet corresponding to a current time point according to cash transaction data of the first bank outlet in a specified range before the current time point;
determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point and the corresponding relation between the cash transaction matrix and the cash quantity corresponding to the first bank outlet;
and managing the cash resources of the first bank outlet according to the cash quantity of the first bank outlet after the current time point.
2. The method as claimed in claim 1, wherein determining the reference network of the bank based on the transaction data of the respective banking network of the bank comprises:
determining a transaction risk matrix corresponding to each banking outlet according to the transaction data of each banking outlet;
taking the characteristic value of the transaction risk square matrix corresponding to the bank outlet as the characteristic value corresponding to the bank outlet;
and determining the reference network points of the bank according to the characteristic values corresponding to the bank network points.
3. The method as claimed in claim 2, wherein determining the transaction risk matrix corresponding to each banking outlet according to the transaction data of the banking outlet comprises:
for each combination of the channel type and the transaction type, selecting the transaction data of which the corresponding channel type is equal to the channel type of the combination and the corresponding transaction type is equal to the transaction type of the combination from the transaction data of the banking outlet, and taking the selected transaction data as the transaction data of which the combination corresponds to the banking outlet;
taking the proportion of the transaction data related to risks in the transaction data of the bank branch corresponding to the combination as the risk probability of the bank branch corresponding to the combination;
and determining a transaction risk matrix corresponding to the banking outlet, wherein a row of the transaction risk matrix corresponds to a channel category, a column of the transaction risk matrix corresponds to a transaction category, and the value of each element of the transaction risk matrix is equal to the risk probability of a combination consisting of the channel category and the transaction category corresponding to the element corresponding to the banking outlet.
4. The method as claimed in claim 1, wherein for the first banking outlet, determining the reference outlet corresponding to the first banking outlet according to the transaction data of the first banking outlet and the transaction data of the reference outlet comprises:
determining a transaction matrix corresponding to the first banking outlet according to the transaction data of the first banking outlet; determining a trading square matrix corresponding to each reference network point according to the trading data of each reference network point;
for each reference network point, taking the absolute value of the characteristic value of the difference between the trading square matrix corresponding to the reference network point and the trading square matrix corresponding to the first banking network point as the difference characteristic value corresponding to the reference network point;
and determining a reference website corresponding to the first banking website according to the difference characteristic value corresponding to the reference website.
5. The method as claimed in claim 4, wherein the transaction matrix corresponding to the first banking site is determined according to the transaction data of the first banking site; determining a trading square matrix corresponding to each reference network point according to the trading data of each reference network point, wherein the trading square matrix comprises the following steps:
for each combination of the customer category and the transaction category, taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of the first banking outlet as the transaction data of which the combination corresponds to the first banking outlet; and taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of each reference network point as the transaction data of which the combination corresponds to each reference network point;
determining a transaction matrix corresponding to each reference network point, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the transaction categories, and the element value of each element is equal to the transaction quantity contained in the transaction data of the reference network point corresponding to the combination consisting of the customer category and the transaction category corresponding to the element;
determining a transaction matrix corresponding to a first banking outlet, wherein rows of the transaction matrix correspond to customer categories, columns of the transaction matrix correspond to transaction categories, and the element value of each element is equal to the transaction quantity contained in transaction data corresponding to the first banking outlet, wherein the combination of the customer category and the transaction category corresponding to the element;
when the number of the customer categories is equal to the number of the transaction categories, taking the transaction matrix corresponding to each reference network point as a transaction square matrix corresponding to the reference network point, and taking the transaction matrix corresponding to the first banking network point as a transaction square matrix corresponding to the first banking network point;
when the number of the customer categories is larger than that of the transaction categories, according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to each reference network point, and the obtained square matrix is used as the transaction square matrix corresponding to the reference network point; according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet;
when the number of the customer categories is smaller than that of the transaction categories, according to the difference between the number of the transaction categories and the number of the customer categories, 0 is supplemented to the row of the transaction matrix corresponding to each reference network point, and the obtained square matrix is used as the transaction square matrix corresponding to the reference network point; and according to the difference between the number of the transaction types and the number of the customer types, 0 is supplemented to the row of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet.
6. The method as claimed in claim 1, wherein determining the corresponding relationship between the cash transaction matrix and the amount of cash corresponding to the first banking outlet according to the reference outlet corresponding to the first banking outlet comprises:
setting a plurality of time points;
for each reference network point corresponding to a first banking network point, determining a cash transaction matrix of the reference network point corresponding to each time point according to cash transaction data of the reference network point in a specified range before each time point; determining the cash amount of the reference network after each time point according to the cash data of the reference network after each time point;
and determining the corresponding relation between the cash transaction matrix corresponding to the first bank outlet and the cash quantity according to the cash transaction matrix corresponding to each time point and the cash quantity after each time point of each reference outlet corresponding to the first bank outlet.
7. The method as claimed in claim 6, wherein determining the cash transaction matrix corresponding to the time point by the reference point according to the cash transaction data of the reference point in the designated range before each time point comprises:
for each combination of cash channel categories and cash transaction categories, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the reference network point in a specified range before the time point, and taking the selected cash transaction data as the cash transaction data of the reference network point corresponding to the combination at the time point;
determining a cash transaction matrix corresponding to the time point by the reference network point, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination of the cash channel category and the cash transaction category corresponding to the element at the time point by the reference network point.
8. The method as claimed in claim 1, wherein determining the cash transaction matrix of the first banking site corresponding to the current time point according to the cash transaction data of the first banking site in the designated range before the current time point comprises:
for each combination of the cash channel category and the cash transaction category, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the first bank outlet in a specified range before the current time point, and taking the selected cash transaction data as the cash transaction data of the first bank outlet corresponding to the combination at the current time point;
determining a cash transaction matrix corresponding to the current time point by the first bank outlet, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns of the cash transaction matrix correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination consisting of the cash channel category and the cash transaction category corresponding to the element at the current time point by the first bank outlet.
9. The method as claimed in claim 1, wherein determining the amount of cash after the first banking outlet corresponding to the current time point according to the corresponding relationship between the cash transaction matrix corresponding to the current time point and the cash transaction matrix corresponding to the first banking outlet and the amount of cash comprises:
for each cash transaction matrix contained in the corresponding relation, taking the difference between the cash transaction matrix and the cash transaction matrix corresponding to the current time point of the first bank outlet as the matrix difference corresponding to the cash transaction matrix;
performing 0 complementing according to the row number and the column number of the matrix difference corresponding to the cash transaction matrix to obtain a square matrix, and taking the obtained characteristic value of the square matrix as the difference characteristic value corresponding to the cash transaction matrix;
determining a potential cash matrix according to the difference characteristic value corresponding to the cash transaction matrix contained in the corresponding relation;
and determining the cash quantity of the first banking outlet after the current time point according to the corresponding relation among the potential cash matrix, the cash transaction matrix corresponding to the first banking outlet and the cash quantity.
10. A cash resource management device for a banking site, comprising:
the transaction data processing module is used for determining a reference website of the bank according to the transaction data of each website of the bank;
the reference network point determining module is used for determining a reference network point corresponding to the first banking network point according to the transaction data of the first banking network point and the transaction data of the reference network point;
the corresponding relation determining module is used for determining the corresponding relation between the cash transaction matrix corresponding to the first bank outlet and the cash quantity according to the reference outlet corresponding to the first bank outlet;
the cash transaction matrix determining module is used for determining a cash transaction matrix of the first bank outlet corresponding to the current time point according to cash transaction data of the first bank outlet in a specified range before the current time point;
the cash quantity determining module is used for determining the cash quantity of the first bank outlet after the current time point according to the cash transaction matrix of the first bank outlet corresponding to the current time point, the cash transaction matrix corresponding to the first bank outlet and the corresponding relation of the cash quantity;
and the cash resource management module is used for managing the cash resources of the first bank outlet according to the cash quantity of the first bank outlet after the current time point.
11. The apparatus of claim 10, wherein the transaction data processing module is specifically configured to:
determining a transaction risk matrix corresponding to each banking outlet according to the transaction data of each banking outlet;
taking the characteristic value of the transaction risk square matrix corresponding to the bank outlet as the characteristic value corresponding to the bank outlet;
and determining the reference network points of the bank according to the characteristic values corresponding to the bank network points.
12. The apparatus of claim 11, wherein the transaction data processing module is specifically configured to:
for each combination of the channel type and the transaction type, selecting the transaction data of which the corresponding channel type is equal to the channel type of the combination and the corresponding transaction type is equal to the transaction type of the combination from the transaction data of the banking outlet, and taking the selected transaction data as the transaction data of which the combination corresponds to the banking outlet;
taking the proportion of the transaction data related to risks in the transaction data of the bank branch corresponding to the combination as the risk probability of the bank branch corresponding to the combination;
determining a transaction risk square matrix corresponding to the banking outlet, wherein the row of the transaction risk square matrix corresponds to the channel category, the column corresponds to the transaction category, and the value of each element of the transaction risk square matrix is equal to the risk probability that the combination of the channel category corresponding to the element and the transaction category corresponds to the banking outlet.
13. The apparatus of claim 10, wherein the reference mesh point determination module is specifically configured to:
determining a transaction matrix corresponding to the first banking outlet according to the transaction data of the first banking outlet; determining a trading square matrix corresponding to each reference network point according to the trading data of each reference network point;
for each reference network point, taking the absolute value of the characteristic value of the difference between the trading square matrix corresponding to the reference network point and the trading square matrix corresponding to the first banking network point as the difference characteristic value corresponding to the reference network point;
and determining a reference website corresponding to the first banking website according to the difference characteristic value corresponding to the reference website.
14. The apparatus of claim 13, wherein the reference mesh point determination module is specifically configured to:
for each combination of the customer category and the transaction category, taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of the first banking outlet as the transaction data of which the combination corresponds to the first banking outlet; and taking the transaction data of which the corresponding customer category is equal to the customer category of the combination and the corresponding transaction category is equal to the transaction category of the combination in the transaction data of each reference network point as the transaction data of which the combination corresponds to each reference network point;
determining a transaction matrix corresponding to each reference network point, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the transaction categories, and the element value of each element is equal to the transaction quantity contained in the transaction data of the reference network point corresponding to the combination consisting of the customer category and the transaction category corresponding to the element;
determining a transaction matrix corresponding to a first banking outlet, wherein rows of the transaction matrix correspond to customer categories, columns of the transaction matrix correspond to transaction categories, and the element value of each element is equal to the transaction quantity contained in transaction data corresponding to the first banking outlet, wherein the combination of the customer category and the transaction category corresponding to the element;
when the number of the customer categories is equal to the number of the transaction categories, taking the transaction matrix corresponding to each reference network point as a transaction square matrix corresponding to the reference network point, and taking the transaction matrix corresponding to the first banking network point as a transaction square matrix corresponding to the first banking network point;
when the number of the customer categories is larger than that of the transaction categories, according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to each reference network point, and the obtained square matrix is used as the transaction square matrix corresponding to the reference network point; according to the difference between the number of the customer categories and the number of the transaction categories, 0 is supplemented to the column of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet;
when the number of the customer categories is smaller than the number of the transaction categories, supplementing 0 to the row of the transaction matrix corresponding to each reference network point according to the difference between the number of the transaction categories and the number of the customer categories, and taking the obtained square matrix as the transaction square matrix corresponding to the reference network point; and according to the difference between the number of the transaction types and the number of the customer types, 0 is supplemented to the row of the transaction matrix corresponding to the first banking outlet, and the obtained square matrix is used as the transaction square matrix corresponding to the first banking outlet.
15. The apparatus of claim 10, wherein the correspondence determining module is specifically configured to:
setting a plurality of time points;
for each reference network point corresponding to the first banking network point, determining a cash transaction matrix of the reference network point corresponding to each time point according to cash transaction data of the reference network point in a specified range before each time point; determining the cash amount of the reference network after each time point according to the cash data of the reference network after each time point;
and determining the corresponding relation between the cash transaction matrix corresponding to the first bank outlet and the cash quantity according to the cash transaction matrix corresponding to each time point and the cash quantity after each time point of each reference outlet corresponding to the first bank outlet.
16. The apparatus of claim 15, wherein the correspondence determining module is specifically configured to:
for each combination of cash channel categories and cash transaction categories, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the reference network point in a specified range before the time point, and taking the selected cash transaction data as the cash transaction data of the reference network point corresponding to the combination at the time point;
determining a cash transaction matrix corresponding to the time point by the reference network point, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination of the cash channel category and the cash transaction category corresponding to the element at the time point by the reference network point.
17. The apparatus of claim 10, wherein the cash transaction matrix determination module is specifically configured to:
for each combination of the cash channel category and the cash transaction category, selecting cash transaction data of which the corresponding cash channel category is equal to the cash channel category of the combination and the corresponding cash transaction category is equal to the cash transaction category of the combination from the cash transaction data of the first bank outlet in a specified range before the current time point, and taking the selected cash transaction data as the cash transaction data of the first bank outlet corresponding to the combination at the current time point;
determining a cash transaction matrix corresponding to the current time point by the first bank outlet, wherein the rows of the cash transaction matrix correspond to cash channel categories, the columns of the cash transaction matrix correspond to cash transaction categories, and the value of each element of the cash transaction matrix is equal to the transaction quantity of the cash transaction data of the combination consisting of the cash channel category and the cash transaction category corresponding to the element at the current time point by the first bank outlet.
18. The apparatus of claim 10, wherein the cash quantity determination module is specifically configured to:
for each cash transaction matrix contained in the corresponding relation, taking the difference between the cash transaction matrix and the cash transaction matrix corresponding to the current time point of the first banking outlet as the matrix difference corresponding to the cash transaction matrix;
supplementing 0 according to the row number and column number of the matrix difference corresponding to the cash transaction matrix to obtain a square matrix, and taking the feature value of the obtained square matrix as the difference feature value corresponding to the cash transaction matrix;
determining a potential cash matrix according to the difference characteristic value corresponding to the cash transaction matrix contained in the corresponding relationship;
and determining the cash quantity of the first banking outlet after the current time point according to the corresponding relation among the potential cash matrix, the cash transaction matrix corresponding to the first banking outlet and the cash quantity.
19. 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 method of any of claims 1 to 9 when executing the computer program.
20. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 9.
21. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 9.
CN202211360636.8A 2022-11-02 2022-11-02 Bank outlet cash resource management method and device Pending CN115578180A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116151950A (en) * 2023-04-04 2023-05-23 四川博源科技有限责任公司 Intelligent banking outlet scheduling management method, system and storage medium

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116151950A (en) * 2023-04-04 2023-05-23 四川博源科技有限责任公司 Intelligent banking outlet scheduling management method, system and storage medium
CN116151950B (en) * 2023-04-04 2023-09-01 四川博源科技有限责任公司 Intelligent banking outlet scheduling management method, system and storage medium

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