CN111967690A - Foreign currency distribution method and system - Google Patents

Foreign currency distribution method and system Download PDF

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CN111967690A
CN111967690A CN202010928683.2A CN202010928683A CN111967690A CN 111967690 A CN111967690 A CN 111967690A CN 202010928683 A CN202010928683 A CN 202010928683A CN 111967690 A CN111967690 A CN 111967690A
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bank
condition
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CN111967690B (en
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胡传杰
浮晨琪
徐晨敏
黄文强
黄雅楠
胡玮
胡路苹
季蕴青
李蚌蚌
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Bank of China Ltd
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Abstract

The application discloses a foreign currency distribution method and system. Generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets; the distribution route meets the following first to fourth conditions of priority from high to low in the expert system; when a foreign currency escort worker executes a foreign currency distribution task, acquiring positioning information of distributed foreign currencies, and determining whether early warning is needed or not according to the positioning information and a distribution route; and receiving the foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing the foreign currency for the corresponding bank outlet is completed according to the foreign currency receiving confirmation message. Early warning the problems in the distribution process, and confirming whether the foreign currency distribution task is completed or not according to the foreign currency receiving confirmation message, so that the risk of untimely distribution is reduced. The distribution route of the foreign currency is generated in consideration of special requirements of certain types of customers for business handling and the requirement that the currency breaking time of the bank outlets is not too long generally. The influence of untimely distribution is reduced to the minimum, and the foreign currency related service handling efficiency and the customer experience of the bank outlets are improved.

Description

Foreign currency distribution method and system
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and a system for dispensing foreign currency.
Background
Foreign currency is an asset which is difficult to manage in a bank system, and the distribution of the foreign currency in a vault is imperative due to the fact that the use condition of the foreign currency of each network point is different greatly, a large amount of cash of the foreign currency cannot be stored in the network point, and a self-service foreign currency cash dispenser is not available. But the foreign currency is not monitored in the whole process after leaving the vault, and the distribution condition of the day is known only after the distributors return to the vault at night. In addition, the business handling of the points is easily delayed because the currency delivery outside the vault is not in time.
In the distribution process, the uninterruptible paper money (foreign currency cash) time of each bank branch needs to be considered to be too long. In addition, when transacting business, there may be some types of customers that deal with business related to larger money, some types of customers have higher requirements on business transaction efficiency, service attitude, and other aspects, or easily affect other customer business transactions of a website to be normally performed, or easily give negative evaluation to the website business transaction condition, if these customers handle business at the website, because the time for delivering foreign currency cash is not timely, unpredictable bad results are easily caused. Based on this, how to distribute the foreign currency has become a technical problem to be solved urgently in the field.
Disclosure of Invention
Based on the problems, the application provides a foreign currency delivery method and a foreign currency delivery system, which solve the problems of untimely foreign currency delivery and lack of a foreign currency delivery supervision mechanism, improve user experience, and reduce adverse effects on network business handling.
The embodiment of the application discloses the following technical scheme:
in a first aspect, the present application provides a foreign currency dispensing method comprising:
generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets; the distribution route meets the following conditions of high priority to low priority in an expert system:
the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold;
the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency;
the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency;
the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition; when a foreign currency escort worker executes a foreign currency distribution task, acquiring positioning information of distributed foreign currencies, and determining whether early warning is needed or not according to the positioning information and the distribution route;
and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
Optionally, the method further comprises:
inquiring client information of all reserved foreign currency cash from a foreign currency reservation system;
inputting the client information into a pre-established user portrait model to obtain a result output by the user portrait model; the results are: the customer is either said first type of customer, or the customer is said second type of customer, or the customer is neither said first type of customer nor said second type of customer.
Optionally, the determining whether an early warning is needed according to the positioning information and the distribution route specifically includes:
when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold value, early warning is carried out; or,
and when the positioning information indicates that the delivered foreign currency is not matched with the delivery route, early warning is carried out.
Optionally, the generating a distribution route for performing foreign currency distribution for a plurality of banking outlets specifically includes:
obtaining the foreign currency and cash use amount predicted values of each bank outlet in each time interval;
acquiring the foreign currency residual quantity of each bank outlet in each time interval;
according to the foreign currency cash use amount predicted value of each bank branch in each time interval, the foreign currency residual amount of each bank branch in each time interval and the foreign currency reserved amount of a first type client and a second type client which reserve the foreign currency cash, the prediction time that the foreign currency cash stock of each bank branch is not enough to handle business for the first type client or the second type client is obtained;
according to the prediction time for transacting business for the first type of client or the second type of client, exhausting a plurality of routes according to the shortage of the currency of foreign currency of each bank outlet, wherein the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range;
and determining a final distribution route from the plurality of routes according to the second condition, the third condition and the fourth condition.
Optionally, the obtaining the predicted value of the usage amount of the foreign currency cash at each time interval by each bank branch specifically includes:
and obtaining the foreign currency cash use amount predicted value of each bank branch in each time interval by using a pre-trained neural network model.
Optionally, training the neural network model includes:
training a network to be trained by using training data;
when the output of the network to be trained meets a preset condition, ending the training to obtain the trained neural network model;
the training data includes: input data and quasi-output data corresponding to the input data;
the input data includes: extracting a characteristic value corresponding to each bank branch from historical data;
the historical data includes: the use information of the non-reserved foreign currency cash of each bank outlet;
the data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch.
Optionally, when the network to be trained is trained, a genetic algorithm is adopted to optimize the weight and the threshold of the network to be trained.
Optionally, before the foreign currency escorting personnel performs a foreign currency distribution task, the method further includes:
inquiring the foreign currency reservation information of each bank branch from a foreign currency reservation system;
acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information;
and packaging the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet.
Optionally, before the receiving the foreign currency reception confirmation message from each banking outlet, the method further comprises:
when the fact that the distributed foreign currency corresponding to the target network point reaches the preset range of the target network point is determined according to the positioning information, a foreign currency receiving prompt message is sent to terminal equipment corresponding to staff of the target network point; the target network point is one of the plurality of banking network points.
Optionally, the method further comprises:
pushing the terminal equipment corresponding to the staff of each bank outlet: the expected delivery time of foreign currency of the bank branch, the information of a first type of customer and the information of a second type of customer of the bank branch; and/or pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client which expect delay service handling.
In a second aspect, the present application provides a foreign currency dispensing system comprising: the GPS positioning chip and the background system are positioned on the distributed foreign currency package;
the background system comprises: the system comprises a path planning module and a distribution process monitoring module;
the route planning module is used for generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets;
the distribution route meets the following conditions of high priority to low priority in an expert system:
the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold;
the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency;
the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency;
the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition;
the distribution process monitoring module is used for acquiring the positioning information of the distributed foreign currency provided by the GPS positioning chip when a foreign currency escort worker executes a foreign currency distribution task, and determining whether early warning is needed or not according to the positioning information and the distribution route; and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
Optionally, the background system further includes:
the first inquiry module is used for inquiring the client information of all the reserved foreign currency currencies from the foreign currency reservation system;
the client type determining module is used for inputting the client information into a pre-established user portrait model and obtaining a result output by the user portrait model; the results are: the customer is either said first type of customer, or the customer is said second type of customer, or the customer is neither said first type of customer nor said second type of customer.
Optionally, the distribution process monitoring module specifically includes: an early warning determination unit; the early warning determining unit is used for early warning when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold value; or, when the positioning information indicates that the delivered foreign currency is not matched with the delivery route, early warning is carried out.
Optionally, the path planning module specifically includes:
the first prediction unit is used for obtaining the foreign currency cash use amount prediction value of each bank branch in each time interval;
the surplus acquiring unit is used for acquiring the surplus of foreign currency of each bank outlet in each time interval;
the second prediction unit is used for obtaining the foreign currency inventory shortage of each bank branch as the prediction time for handling the business for the first type client or the second type client according to the foreign currency cash use amount prediction value of each bank branch in each time interval, the foreign currency residual amount of each bank branch in each time interval and the foreign currency reserved amount of the first type client and the second type client which reserve the foreign currency cash;
the route exhaustion unit is used for exhausting a plurality of routes according to the predicted time for handling the business for the first type of client or the second type of client when the currency amount of the foreign currency of each bank outlet is not enough, and the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range;
a route determining unit, configured to determine a final distribution route from the plurality of routes according to the second condition, the third condition, and the fourth condition.
Optionally, the first prediction unit is specifically configured to obtain, by using a pre-trained neural network model, a predicted value of the usage amount of the foreign currency cash at each time interval for each banking outlet.
Optionally, the background system further includes: a model training module; the model training module is specifically used for training a network to be trained by using training data; when the output of the network to be trained meets a preset condition, ending the training to obtain the trained neural network model;
the training data includes: input data and quasi-output data corresponding to the input data;
the input data includes: extracting a characteristic value corresponding to each bank branch from historical data;
the historical data includes: the use information of the non-reserved foreign currency cash of each bank outlet;
the data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch.
Optionally, when the model training module trains the network to be trained, a genetic algorithm is adopted to optimize the weight and the threshold of the network to be trained.
Optionally, the background system further includes:
the second inquiry module is used for inquiring the foreign currency reservation information of each bank branch from the foreign currency reservation system;
the demand acquisition module is used for acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information;
and the encapsulation prompting module is used for sending an encapsulation prompting message to the terminal equipment corresponding to the encapsulation staff, wherein the encapsulation prompting message carries the foreign currency demand of each bank outlet, so that the encapsulation staff can encapsulate the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet in the encapsulation prompting message.
Optionally, the background system further includes:
the receiving prompt message sending module is used for sending a foreign currency receiving prompt message to terminal equipment corresponding to staff of the target network point when the fact that the distributed foreign currency corresponding to the target network point reaches the preset range of the target network point is determined according to the positioning information; the target network point is one of the plurality of banking network points.
Optionally, the background system further includes:
the pushing module is used for pushing the terminal equipment corresponding to the staff of each bank outlet: the expected delivery time of foreign currency of the bank branch, the information of a first type of customer and the information of a second type of customer of the bank branch; and/or pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client which expect delay service handling.
Compared with the prior art, the method has the following beneficial effects:
the foreign currency distribution method provided by the application comprises the steps of firstly generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets; the distribution route meets the following conditions of high priority to low priority in an expert system: the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold; the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency; the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency; the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition; when a foreign currency escort worker executes a foreign currency distribution task, acquiring positioning information of distributed foreign currencies, and determining whether early warning is needed or not according to the positioning information and the distribution route; and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
The method monitors the distribution track in real time, early warns problems occurring in the distribution process, and can confirm whether the foreign currency distribution task is completed according to the foreign currency receiving confirmation message. The safety and reliability of the distribution process are improved, and the risk of untimely distribution is reduced. In addition, the method and the system aim to generate a distribution route of the foreign currency in consideration of special requirements of certain types of customers on business handling and the requirement that the currency breaking time of a bank outlet is not too long generally. Therefore, the influence of untimely distribution can be reduced to the minimum, so that the foreign currency related business handling efficiency of bank outlets is improved, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive exercise.
FIG. 1 is a flow chart of a foreign currency delivery method according to an embodiment of the present application;
FIG. 2 is a schematic flow chart illustrating a method for generating a distribution route according to an embodiment of the present disclosure;
FIG. 3 is a schematic flow chart illustrating a method for training a neural network model according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a foreign currency dispensing system according to an embodiment of the present application.
Detailed Description
As described above, there is a problem of untimely delivery of foreign currency, and a foreign currency delivery monitoring mechanism is absent, so that the business of the banking site is easily affected by the foreign currency delivery problem. In addition, certain types of customers have special requirements for business transactions, and because foreign currency cash delivery is not delayed to mistake business transactions for these types of customers, significant impact or loss may occur. In view of the above, the inventors have studied and provided a foreign currency dispensing method and system. In the technical scheme, the distribution track is monitored in real time through the positioning information of the foreign currency, and then early warning can be found for problems occurring in the distribution process. In addition, whether the foreign currency delivery task is completed or not is confirmed according to the foreign currency receiving confirmation message, so that the safety and reliability of the delivery process are improved, and the risk of untimely delivery is reduced. In addition, a distribution route is generated according to the general requirements of the network points and the special requirements of special type customers, so that the customer experience is improved, and the service handling efficiency of the network points is improved.
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Method embodiment
Referring to fig. 1, a flowchart of a foreign currency dispensing method according to an embodiment of the present application is shown. As shown in fig. 1, the method includes:
step 101: generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets; the distribution route meets the following conditions of high priority to low priority in the expert system: the first condition is that the foreign currency breakage time of each bank branch in a plurality of bank branches does not exceed a preset time threshold; the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency; the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency; the fourth condition is that the sum of the time influence quantity of the plurality of banking outlets is the minimum in all the to-be-selected distribution routes meeting the first condition, the second condition and the third condition.
As an example, the preset time threshold may be 30 minutes or 60 minutes. The expert system may refer to a system formed based on the processing experience of the worker and having data analysis and processing functions, in accordance with the rules of the first to fourth conditions.
The first type of client and the second type of client are explained below. The first type of customer has higher priority than the second type of customer, wherein the first type of customer can be a key customer of a banking outlet; the second type of customer may particularly be a jungle customer of a banking outlet. As an example, a first type of customer handling involves a large amount of money; the second type of client has higher requirements on the aspects of service handling efficiency, service attitude and the like, or the normal operation of other client service handling of a network point is easily influenced, or the negative evaluation is easily given to the service handling condition of the network point.
The customer classification can be specifically realized by analyzing according to historical data. In addition, the customer information of all the reserved foreign currency cash can be inquired from the foreign currency reservation system; inputting the client information into a pre-established user portrait model to obtain a result output by the user portrait model; the results are: the customer is either said first type customer or said second type customer or the customer is neither said first type customer nor said second type customer, i.e. a normal customer.
The customer information input to the user representation model may include the time of the customer's business transaction at the banking site, the amount of money, the results of the evaluation survey, etc. The input customer information is not limited herein. The user type can be determined very quickly and conveniently by using the user portrait model, so that a distribution route scheme with priority over the first type of customers and the second type of customers is generated.
When delivering foreign currency cash from a bank vault to a plurality of bank outlets, if the delivery sequence and the delivery route are not planned in advance, the delivery is carried out according to the reservation condition of each bank outlet, so that rhyme-retention labor and labor for delivering the foreign currency cash out of the vault are possibly wasted, and the efficiency is low. The present application may finally determine a distribution route along which the foreign currency cash is distributed during the execution of the actual distribution task according to the flow of generating the distribution route shown in fig. 2.
As shown in fig. 2:
step 1011: and obtaining the use amount predicted value of the foreign currency in each time interval of each bank branch.
Step 1011 can specifically obtain the predicted value of the foreign currency cash usage of each bank branch in each time interval by using the pre-trained neural network model. It should be noted that the model is pre-trained before the step 1011 is performed, so that the model can be directly called for use without being trained separately for each prediction. The training process of the neural network model will be described in detail later with reference to fig. 3.
Step 1012: and obtaining the foreign currency residual quantity of each bank outlet in each time interval.
In one example implementation, the background system is interfaced with each bank outlet, and actively inquires the foreign currency remaining amount of each bank outlet in each time interval by the background system.
In another example implementation, each banking outlet automatically uploads the foreign currency remaining amount.
Step 1013: according to the foreign currency cash use amount predicted value of each bank outlet in each time interval, the foreign currency residual amount of each bank outlet in each time interval and the foreign currency reserved amount of the first type client and the second type client which reserve the foreign currency cash, the prediction time that the foreign currency cash stock of each bank outlet is insufficient to handle business for the first type client or the second type client is obtained.
Before the delivery task is executed, the background system can firstly inquire the foreign currency reservation information (including the delivery time and amount of the foreign currency cash specifically reserved) of each bank outlet from the foreign currency reservation system; acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information; and packaging the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet. When packaged, the GPS positioning chip may be placed on the package.
For example, the use amount of the foreign currency cash at 13:00-14:00 of the bank outlet A is predicted to be K, the use amount of the foreign currency cash at 14:00-15:00 is predicted to be S, and if the remaining amount of the foreign currency cash at 13:00 of the bank outlet A is K + S + L, only the foreign currency cash amount L is left at 15:00 of the bank outlet A. If the reserved amount of foreign currency of the first type customer A who reserves to transact foreign currency related business from the bank branch A is larger than L, and the reserved time is later than 15:00 (for example, 15:30), the cash amount of the foreign currency of the first type customer A is not enough to transact business for the first type customer A when the first type customer A arrives at the bank branch A. Therefore, 15:00 can be taken as the prediction time.
The remaining time of the foreign currency is 15: 00. That is, cash for foreign currency is delivered to banking outlet a before 15: 00.
Step 1014: according to the prediction time for transacting business for the first type of client or the second type of client, exhausting a plurality of routes according to the shortage of the currency of foreign currency of each bank outlet, wherein the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range.
Step 1015: and determining a final distribution route from the plurality of routes according to the second condition, the third condition and the fourth condition.
The step is that the distribution of foreign currency cash is prior to the distribution of the foreign currency cash for the business handling network points of the first type customers, and then the distribution of the foreign currency cash is prior to the distribution of the foreign currency cash for the business handling network points of the second type customers. Thus, the delivery order is partially clarified.
In order to avoid the situation that the business handling of the banking outlets is affected when the foreign currency delivery is not timely, in the embodiment of the application, a delivery route with the smallest sum of the influences on the delivery time of the banking outlets (i.e. selected according to the fourth condition) may be determined from the multiple delivery routes to be selected, and the delivery route is used by the foreign currency escorting personnel when the foreign currency delivery task is executed. Specifically, the sum of the influence of each to-be-selected distribution route on the distribution time of a plurality of banking outlets that need to distribute foreign currencies may be calculated based on the road condition information (which may be real-time road condition information or road condition information that is obtained by analyzing rules based on historical data). And then determining the one with the smallest sum of the influence quantity as a distribution route adopted when the distribution is finally executed.
Step 102: and when the foreign currency escort personnel execute the foreign currency distribution task, acquiring the positioning information of the distributed foreign currencies, and determining whether early warning is needed or not according to the positioning information and the distribution route.
The early warning mainly considers the following aspects to be easy to cause problems:
(1) the foreign currency escorting personnel do not normally execute the foreign currency delivery task according to the pre-generated delivery route.
(2) Foreign currency escort personnel accidentally deviate from the correct delivery route.
The above situations (1) and (2) may affect the timeliness of delivering the foreign currency to the website. Therefore, early warning is needed, delay risks can be reduced by early warning, and foreign currency related business handling of bank outlets is avoided being influenced.
Therefore, a GPS positioning chip can be arranged outside the package with the foreign currency in advance. The packages of the foreign currency distributed to different bank outlets can be respectively provided with a GPS positioning chip. Therefore, the tracking and path monitoring of the foreign currency corresponding to each bank outlet are realized. The GPS positioning chip can provide positioning information of the foreign currency.
When the step is specifically implemented, early warning can be performed when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold, and the scheme corresponds to the condition (2); alternatively, a warning is given when the positioning information indicates that the delivered foreign currency does not match the delivery route, which corresponds to the above-described case (1).
Step 103: and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
In practical application, each bank branch has a worker responsible for butting when the cash of the foreign currency in the vault is delivered to the branch. After receiving the foreign currency, the staff can provide a foreign currency receiving confirmation message through a terminal device (such as a tablet computer, a notebook computer, a desktop computer or a mobile phone), so that a background system can obtain the message and confirm that the task of distributing the foreign currency to the bank outlet is completed. Here, the foreign currency reception confirmation message corresponds to a feedback message.
The operation of sending the foreign currency reception confirmation message can be executed by the network staff through the corresponding terminal equipment. In addition, a background system can actively send a foreign currency receiving prompt message to prompt a website worker to confirm and feed back. This implementation is explained below.
The background system can send a foreign currency receiving prompt message to terminal equipment corresponding to staff of a target network point when determining that the distributed foreign currency corresponding to the target network point reaches a preset range of the target network point according to positioning information provided by a GPS positioning chip; the target network point is one of the plurality of banking network points. The sending mode can be short message sending or issuing through a mobile banking APP. The sender of the foreign currency reception alert message is not limited herein. Through suggestion in advance, can remind the staff of target site to prepare handing-over work, cooperation escort personnel promote distribution handing-over efficiency. After the staff of the target network point realistically knows that the foreign currency of the network point is delivered, the staff can feed back a foreign currency receiving confirmation message in a short message or mobile banking APP mode.
In addition, the background system can also push the following contents to the terminal equipment corresponding to the staff of each bank outlet:
(1) the method comprises the steps that the expected delivery time of foreign currency of a bank outlet to which a worker belongs, information of a first type customer and information of a second type customer of the bank outlet are obtained; and/or the presence of a gas in the gas,
(2) and pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client expected to delay service handling.
The content (1) can remind the network nodes of workers to prevent the network nodes from being incapable of coping; reminding workers to reasonably plan the foreign currency service handling condition and preventing the situation of influencing the earning of the network. The content (2) can also facilitate the customer to plan the trip arrangement through the delay prompt message, and the user experience is considered under the delay condition.
The foreign currency delivery method provided by the embodiment of the application monitors the delivery track in real time, early warns problems occurring in the delivery process, and can confirm whether the foreign currency delivery task is completed according to the foreign currency receiving confirmation message. The safety and reliability of the distribution process are improved, and the risk of untimely distribution is reduced. In addition, the method and the system aim to generate a distribution route of the foreign currency in consideration of special requirements of certain types of customers on business handling and the requirement that the currency breaking time of a bank outlet is not too long generally. Therefore, the influence of untimely distribution can be reduced to the minimum, so that the foreign currency related business handling efficiency of bank outlets is improved, and the customer experience is improved.
The above-mentioned training process of the neural network model is described and illustrated below with reference to fig. 3. Referring to fig. 3, the figure is a schematic flowchart of a method for training a neural network model according to an embodiment of the present disclosure. As shown in fig. 3, the training of the neural network model includes:
step 301: and training the network to be trained by utilizing the training data.
The training data is described below. The training data mainly comprises: the input data and the quasi-output data corresponding to the input data. In the training process, the network to be trained is trained based on the input data and the corresponding data to be output.
The input data is explained and illustrated below. The input data includes: and extracting the characteristic value corresponding to each banking outlet from the historical data. Wherein the historical data comprises: the use information of the non-reserved foreign currency cash of each bank branch. Here, the reason why the usage information of the non-reserved foreign currency is selected as the history data is that the usage of the foreign currency is inevitable if the foreign currency is reserved in terms of usage, and the value of the history data is just temporarily and irregularly found. Therefore, the use information of the non-reserved foreign currency is selected. In particular, such information may be extracted from historical business transaction data at the network site, such as credit, variance, etc. The characteristic values may be some influencing factors obtained by induction, such as weather conditions, working days, temperature, etc.
The data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch. The quasi-output data is target output data of the input data after being imported into the neural network.
Step 302: and when the output of the network to be trained meets the preset condition, ending the training to obtain the trained neural network model.
The preset condition here may be that the attenuation function value reaches below a certain threshold, or that the number of iterations reaches above a certain threshold. At this time, it indicates that the training result has satisfied the requirement.
And when the network to be trained is trained, optimizing the weight and the threshold of the network to be trained by adopting a genetic algorithm. Specifically, the method comprises the following steps:
and (3) combining the advantages of the BP neural network and the genetic algorithm, introducing the genetic algorithm in the aspect of optimizing the weight and the threshold of the BP neural network, and constructing a GA-BP neural network model. Determining a GA-BP neural network structure, determining the BP neural network structure according to the number of network input and output, and further determining the number of parameters needing to be optimized in a genetic algorithm. According to the kolmogorov principle, one three-layer BP neural network can sufficiently complete any mapping from n dimension to m dimension, generally only one hidden layer is needed, and the number of hidden layer nodes is determined by a trial and error method, so that the GA-BP neural network structure is determined. And (4) training and learning the BP neural network by taking the optimal individual output by the genetic algorithm as the initial weight and the threshold of the BP neural network. And training the GA-BP neural network model based on historical data analysis, and verifying the prediction accuracy of the model by using the test sample. The test sample may also be obtained from historical data.
According to the method and the system, the delivery sequence and the delivery route of the foreign currency network points are planned for the delivery personnel according to the foreign currency reservation condition, the prediction condition, the foreign currency remaining condition and the road congestion condition of each network point, and the delivery efficiency of the foreign currency can be obviously improved.
Based on the foreign currency distribution method provided by the foregoing embodiment, correspondingly, the present application further provides a foreign currency distribution system. The following describes an implementation of the foreign currency distribution system with reference to the embodiments and the drawings.
System embodiment
FIG. 4 is a schematic diagram of a foreign currency dispensing system 40. As shown in fig. 4, the foreign currency dispensing system 40 includes:
a GPS positioning chip 401 and a background system 402 which are positioned on the distributed foreign currency package;
among other things, the background system 402 includes: a path planning module 4021 and a distribution process monitoring module 4022;
the route planning module 4021 is configured to generate a distribution route for foreign currency distribution for a plurality of banking outlets; the distribution route meets the following conditions of high priority to low priority in an expert system:
the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold;
the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency;
the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency;
the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition;
the distribution process monitoring module 4022 is configured to obtain the positioning information of the distributed foreign currencies provided by the GPS positioning chip 401 when the foreign currency escorting staff performs a foreign currency distribution task, and determine whether early warning is needed according to the positioning information and a distribution route; and receiving the foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing the foreign currency for the corresponding bank outlet is completed according to the foreign currency receiving confirmation message.
The foreign currency delivery system 40 monitors the delivery trajectory in real time, early warns problems occurring in the delivery process, and can confirm whether the foreign currency delivery task is completed according to the foreign currency reception confirmation message. The safety and reliability of the distribution process are improved, and the risk of untimely distribution is reduced. In addition, the method and the system aim to generate a distribution route of the foreign currency in consideration of special requirements of certain types of customers on business handling and the requirement that the currency breaking time of a bank outlet is not too long generally. Therefore, the influence of untimely distribution can be reduced to the minimum, so that the foreign currency related business handling efficiency of bank outlets is improved, and the customer experience is improved.
The backend system 402 further comprises:
the first inquiry module is used for inquiring the client information of all the reserved foreign currency currencies from the foreign currency reservation system;
the client type determining module is used for inputting the client information into a pre-established user portrait model and obtaining a result output by the user portrait model; the results are: the customer is either said first type of customer, or the customer is said second type of customer, or the customer is neither said first type of customer nor said second type of customer.
Optionally, the delivery process monitoring module 4022 specifically includes: an early warning determination unit; the early warning determining unit is used for early warning when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold value; or, when the positioning information indicates that the delivered foreign currency is not matched with the delivery route, early warning is carried out.
Optionally, the path planning module 4021 specifically includes:
the first prediction unit is used for obtaining the foreign currency cash use amount prediction value of each bank branch in each time interval;
the surplus acquiring unit is used for acquiring the surplus of foreign currency of each bank outlet in each time interval;
the second prediction unit is used for obtaining the foreign currency inventory shortage of each bank branch as the prediction time for handling the business for the first type client or the second type client according to the foreign currency cash use amount prediction value of each bank branch in each time interval, the foreign currency residual amount of each bank branch in each time interval and the foreign currency reserved amount of the first type client and the second type client which reserve the foreign currency cash;
the route exhaustion unit is used for exhausting a plurality of routes according to the predicted time for handling the business for the first type of client or the second type of client when the currency amount of the foreign currency of each bank outlet is not enough, and the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range;
a route determining unit, configured to determine a final distribution route from the plurality of routes according to the second condition, the third condition, and the fourth condition.
Optionally, the first prediction unit is specifically configured to obtain, by using a pre-trained neural network model, a predicted value of the usage amount of the foreign currency cash at each time interval for each banking outlet.
Optionally, the backend system 402 further comprises: a model training module; the model training module is specifically used for training a network to be trained by utilizing training data; when the output of the network to be trained meets the preset condition, ending the training to obtain a trained neural network model;
the training data includes: input data and quasi-output data corresponding to the input data;
the input data includes: extracting a characteristic value corresponding to each bank branch from historical data;
the historical data includes: the use information of the non-reserved foreign currency cash of each bank outlet;
the data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch.
Optionally, when the model training module trains the network to be trained, the weight and the threshold of the network to be trained are optimized by using a genetic algorithm.
According to the method and the system, the delivery sequence and the delivery route of the foreign currency network points are planned for the delivery personnel according to the foreign currency reservation condition, the prediction condition, the foreign currency remaining condition and the road congestion condition of each network point, and the delivery efficiency of the foreign currency can be obviously improved.
Optionally, the backend system 402 further comprises:
the second inquiry module is used for inquiring the foreign currency reservation information of each bank branch from the foreign currency reservation system;
the demand acquisition module is used for acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information;
and the encapsulation prompting module is used for sending an encapsulation prompting message to the terminal equipment corresponding to the encapsulation worker, and the encapsulation prompting message carries the foreign currency demand of each bank outlet, so that the encapsulation worker encapsulates the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet in the encapsulation prompting message.
Optionally, the backend system 402 further comprises:
the receiving prompt message sending module is used for sending a foreign currency receiving prompt message to terminal equipment corresponding to staff of the target network point when the fact that the distributed foreign currency corresponding to the target network point reaches the preset range of the target network point is determined according to the positioning information; the target network node is one of a plurality of banking network nodes.
Optionally, the background system 402 further includes:
the pushing module is used for pushing the terminal equipment corresponding to the staff of each bank outlet: (1) the expected delivery time of foreign currency of the bank branch, the information of a first type of customer and the information of a second type of customer of the bank branch; and/or (2) pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client which expect delay service handling.
The content (1) can remind the network nodes of workers to prevent the network nodes from being incapable of coping; reminding workers to reasonably plan the foreign currency service handling condition and preventing the situation of influencing the earning of the network. The content (2) can also facilitate the customer to plan the trip arrangement through the delay prompt message, and the user experience is considered under the delay condition.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts suggested as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (20)

1. A foreign currency dispensing method, comprising:
generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets; the distribution route meets the following conditions of high priority to low priority in an expert system:
the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold;
the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency;
the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency;
the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition; when a foreign currency escort worker executes a foreign currency distribution task, acquiring positioning information of distributed foreign currencies, and determining whether early warning is needed or not according to the positioning information and the distribution route;
and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
2. The method of claim 1, further comprising:
inquiring client information of all reserved foreign currency cash from a foreign currency reservation system;
inputting the client information into a pre-established user portrait model to obtain a result output by the user portrait model; the results are: the customer is either said first type of customer, or the customer is said second type of customer, or the customer is neither said first type of customer nor said second type of customer.
3. The method according to claim 1, wherein the determining whether an early warning is required according to the positioning information and the delivery route specifically comprises:
when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold value, early warning is carried out; or,
and when the positioning information indicates that the delivered foreign currency is not matched with the delivery route, early warning is carried out.
4. The method as claimed in claim 1, wherein said generating a distribution route for delivering the foreign currency to the plurality of banking outlets comprises:
obtaining the foreign currency and cash use amount predicted values of each bank outlet in each time interval;
acquiring the foreign currency residual quantity of each bank outlet in each time interval;
according to the foreign currency cash use amount predicted value of each bank branch in each time interval, the foreign currency residual amount of each bank branch in each time interval and the foreign currency reserved amount of a first type client and a second type client which reserve the foreign currency cash, the prediction time that the foreign currency cash stock of each bank branch is not enough to handle business for the first type client or the second type client is obtained;
according to the prediction time for transacting business for the first type of client or the second type of client, exhausting a plurality of routes according to the shortage of the currency of foreign currency of each bank outlet, wherein the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range;
and determining a final distribution route from the plurality of routes according to the second condition, the third condition and the fourth condition.
5. The method according to claim 4, wherein the obtaining of the predicted foreign currency usage amount of each banking outlet in each time interval comprises:
and obtaining the foreign currency cash use amount predicted value of each bank branch in each time interval by using a pre-trained neural network model.
6. The method of claim 5, wherein training the neural network model comprises:
training a network to be trained by using training data;
when the output of the network to be trained meets a preset condition, ending the training to obtain the trained neural network model;
the training data includes: input data and quasi-output data corresponding to the input data;
the input data includes: extracting a characteristic value corresponding to each bank branch from historical data;
the historical data includes: the use information of the non-reserved foreign currency cash of each bank outlet;
the data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch.
7. The method according to claim 6, wherein a genetic algorithm is used to optimize the weights and thresholds of the net to be trained when training the net to be trained.
8. The method of claim 4, further comprising, prior to the foreign currency escorting personnel performing a foreign currency delivery task:
inquiring the foreign currency reservation information of each bank branch from a foreign currency reservation system;
acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information;
and packaging the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet.
9. A method according to any one of claims 1 to 8, wherein prior to said receiving a foreign currency reception confirmation message from each banking site, the method further comprises:
when the fact that the distributed foreign currency corresponding to the target network point reaches the preset range of the target network point is determined according to the positioning information, a foreign currency receiving prompt message is sent to terminal equipment corresponding to staff of the target network point; the target network point is one of the plurality of banking network points.
10. The method according to any one of claims 1-8, further comprising:
pushing the terminal equipment corresponding to the staff of each bank outlet: the expected delivery time of foreign currency of the bank branch, the information of a first type of customer and the information of a second type of customer of the bank branch; and/or pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client which expect delay service handling.
11. A foreign currency dispensing system, comprising: the GPS positioning chip and the background system are positioned on the distributed foreign currency package;
the background system comprises: the system comprises a path planning module and a distribution process monitoring module;
the route planning module is used for generating a distribution route for carrying out foreign currency distribution for a plurality of bank outlets;
the distribution route meets the following conditions of high priority to low priority in an expert system:
the first condition is that the foreign currency breakage time of each bank branch in the plurality of bank branches does not exceed a preset time threshold;
the second condition is that the bank outlets of the first type of customers for handling the business preferentially distribute the foreign currency;
the third condition is that the bank outlets of the second type of customer handling the business preferentially distribute the foreign currency;
the fourth condition is that the sum of the time influence quantities of the plurality of banking outlets is minimum in all to-be-selected distribution routes meeting the first condition, the second condition and the third condition;
the distribution process monitoring module is used for acquiring the positioning information of the distributed foreign currency provided by the GPS positioning chip when a foreign currency escort worker executes a foreign currency distribution task, and determining whether early warning is needed or not according to the positioning information and the distribution route; and receiving a foreign currency receiving confirmation message from each bank outlet, and determining that the task of distributing foreign currencies for the corresponding bank outlets is completed according to the foreign currency receiving confirmation message.
12. A foreign currency delivery system according to claim 11, wherein said back office system further comprises:
the first inquiry module is used for inquiring the client information of all the reserved foreign currency currencies from the foreign currency reservation system;
the client type determining module is used for inputting the client information into a pre-established user portrait model and obtaining a result output by the user portrait model; the results are: the customer is either said first type of customer, or the customer is said second type of customer, or the customer is neither said first type of customer nor said second type of customer.
13. A foreign currency delivery system according to claim 11, wherein said delivery process monitoring module comprises: an early warning determination unit; the early warning determining unit is used for early warning when the positioning information indicates that the distance of the delivered foreign currency deviating from the delivery route exceeds a preset threshold value; or, when the positioning information indicates that the delivered foreign currency is not matched with the delivery route, early warning is carried out.
14. A foreign currency delivery system according to claim 11, wherein the path planning module comprises:
the first prediction unit is used for obtaining the foreign currency cash use amount prediction value of each bank branch in each time interval;
the surplus acquiring unit is used for acquiring the surplus of foreign currency of each bank outlet in each time interval;
the second prediction unit is used for obtaining the foreign currency inventory shortage of each bank branch as the prediction time for handling the business for the first type client or the second type client according to the foreign currency cash use amount prediction value of each bank branch in each time interval, the foreign currency residual amount of each bank branch in each time interval and the foreign currency reserved amount of the first type client and the second type client which reserve the foreign currency cash;
the route exhaustion unit is used for exhausting a plurality of routes according to the predicted time for handling the business for the first type of client or the second type of client when the currency amount of the foreign currency of each bank outlet is not enough, and the first condition and the road condition information; wherein routes that do not satisfy the first condition are not included in the exhaustive range;
a route determining unit, configured to determine a final distribution route from the plurality of routes according to the second condition, the third condition, and the fourth condition.
15. A foreign currency delivery system according to claim 14, wherein the first prediction unit is specifically configured to obtain the predicted foreign currency usage values of each banking outlet at each time interval by using a pre-trained neural network model.
16. A foreign currency delivery system according to claim 15, wherein the back office system further comprises: a model training module; the model training module is specifically used for training a network to be trained by using training data; when the output of the network to be trained meets a preset condition, ending the training to obtain the trained neural network model;
the training data includes: input data and quasi-output data corresponding to the input data;
the input data includes: extracting a characteristic value corresponding to each bank branch from historical data;
the historical data includes: the use information of the non-reserved foreign currency cash of each bank outlet;
the data to be output includes: the consumption of foreign currency and cash in each time interval of each bank branch.
17. The foreign currency delivery system according to claim 16, wherein the model training module optimizes the weights and thresholds of the network to be trained using a genetic algorithm when training the network to be trained.
18. A foreign currency delivery system according to claim 14, wherein the back office system further comprises:
the second inquiry module is used for inquiring the foreign currency reservation information of each bank branch from the foreign currency reservation system;
the demand acquisition module is used for acquiring the foreign currency demand of each bank outlet according to the foreign currency reservation information;
and the encapsulation prompting module is used for sending an encapsulation prompting message to the terminal equipment corresponding to the encapsulation staff, wherein the encapsulation prompting message carries the foreign currency demand of each bank outlet, so that the encapsulation staff can encapsulate the foreign currency to be delivered for each bank outlet according to the foreign currency demand of each bank outlet in the encapsulation prompting message.
19. A foreign currency delivery system according to any one of claims 11 to 18, wherein the back office system further comprises:
the receiving prompt message sending module is used for sending a foreign currency receiving prompt message to terminal equipment corresponding to staff of the target network point when the fact that the distributed foreign currency corresponding to the target network point reaches the preset range of the target network point is determined according to the positioning information; the target network point is one of the plurality of banking network points.
20. A foreign currency delivery system according to any one of claims 11 to 18, wherein the back office system further comprises:
the pushing module is used for pushing the terminal equipment corresponding to the staff of each bank outlet: the expected delivery time of foreign currency of the bank branch, the information of a first type of customer and the information of a second type of customer of the bank branch; and/or pushing a delay prompt message to terminal equipment corresponding to the first type client and/or the second type client which expect delay service handling.
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