CN113610635A - Method and device for controlling transaction waiting time of bank terminal - Google Patents
Method and device for controlling transaction waiting time of bank terminal Download PDFInfo
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Abstract
The invention discloses a method and a device for controlling transaction waiting time of a bank terminal, relating to the field of big data, wherein the method comprises the following steps: determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal; determining the risk level of each bank terminal according to the risk coefficient; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; when a current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from a block chain; determining a current waiting time threshold according to a historical waiting time threshold corresponding to the current transaction type, a historical minimum waiting time when a user operates the current transaction type and a risk comparison factor corresponding to a current bank terminal; and controlling the transaction waiting time of the current bank terminal according to the current threshold. The invention can ensure the safety of the transaction of the user at the bank terminal.
Description
Technical Field
The invention relates to the technical field of big data, in particular to a method and a device for controlling transaction waiting time of a bank terminal.
Background
When a banking terminal such as an ATM, a smart counter, etc. provides services to customers, it is often necessary to set a waiting duration threshold for transactions. If the non-operation time of the client exceeds the waiting time threshold, the transaction initiated by the client is automatically withdrawn, so that the risk can be effectively avoided, and the fund loss or information leakage of the client is avoided. However, if the parameter is not set properly, there may be a risk in some situations, such as a customer making an account or deposit at an ATM and then suddenly receiving an emergency call, which gives someone a chance to take the call. For example, an ATM at a banking outlet is less risky than an off-the-road ATM because of the presence of banking staff near the banking outlet, which is less risky for customers. At present, the waiting time threshold set by the bank is unreasonable, so that the transaction risk faced by the customer is relatively large.
Disclosure of Invention
The embodiment of the invention provides a method for controlling transaction waiting time of a bank terminal, which is used for determining a reasonable waiting time threshold value so as to ensure the security of transactions performed by a user at the bank terminal, and comprises the following steps:
determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal;
determining a risk grade corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between the preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the block chain; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold.
The embodiment of the invention also provides a device for controlling the transaction waiting time of the bank terminal, which is used for determining a reasonable waiting time threshold value so as to ensure the security of the transaction of a user at the bank terminal, and the device comprises:
the risk coefficient determining unit is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the users in the service area of each bank terminal;
the risk comparison factor determining unit is used for determining a risk grade corresponding to each bank terminal according to a risk coefficient of an environment where each bank terminal is located and a relation between a preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
the current waiting time threshold value determining unit is used for acquiring a risk comparison factor corresponding to the current bank terminal from the block chain when the current bank terminal receives a transaction request of a user; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and the control unit is used for controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold when the transaction request is processed.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for controlling the transaction waiting time of the bank terminal when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method for controlling the transaction waiting time of the bank terminal.
In the embodiment of the invention, the scheme for controlling the transaction waiting time of the bank terminal comprises the following steps: determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal; determining a risk grade corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between the preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain; when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the block chain; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal; when the transaction request is processed, the transaction waiting time of the current bank terminal is controlled according to the current waiting time threshold, so that reasonable transaction waiting time thresholds can be obtained by integrating risk scenes of all the bank terminals, and the security of transactions performed by users at the bank terminals is ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart illustrating a method for controlling transaction waiting duration of a bank terminal according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for controlling transaction waiting duration of a bank terminal according to another embodiment of the present invention;
FIG. 3 is a flowchart illustrating a method for controlling transaction waiting duration of a bank terminal according to another embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an apparatus for controlling transaction waiting duration of a bank terminal according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an apparatus for controlling transaction waiting duration of a bank terminal according to another embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In view of the technical problems in the prior art, the embodiment of the invention sets the transaction waiting time of the high risk scene by using the data of other risk scenes. Compared with a high-risk scene, the risk of other risk scenes is relatively small, and the risk control is reasonable, so that the risk can be better controlled by setting the waiting time of the high-risk scene based on the scene. In particular, transaction data and risk data for individual scenarios may be recorded with blockchains. And then determining a risk coefficient of the corresponding scene based on the transaction data and the risk data of each scene, and storing the risk coefficient in the block chain. When the client is in a high-risk scene, the intelligent contract determines a reasonable waiting time threshold value in the high-risk scene according to the risk coefficient of each scene and the waiting time threshold value of each scene stored in the block chain, so that the safety of the transaction of the user at the bank terminal is ensured.
Fig. 1 is a schematic flow chart of a method for controlling transaction waiting duration of a bank terminal in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal;
step 102: determining a risk grade corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between the preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
step 103: when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the block chain; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
step 104: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold.
The transaction risk of the bank terminal in different environments is different. For example, an off-the-counter ATM is certainly at a higher risk than an ATM at a banking site due to the remote monitoring of the banking site and lack of participation of banking staff. The risk of the intelligent terminal in the place where the client group is stable when the client makes transactions is definitely lower than that of the intelligent terminal in the place where the client group changes greatly.
Specifically, the risk factor is used to measure a quantitative index of the loss of the environment to the client. The risk coefficient of the environment where the bank terminal is located can be calculated by the following method: determining a risk coefficient and a probability of each risk type according to risk data of the customer in the transaction data of the self-service terminal under the environment; and determining the risk coefficient of the environment according to the risk coefficient of each risk type and the probability of each risk type. The impact of different types of risk on the customer is different. The loss caused by the corresponding risk type to the client can be determined based on the data corresponding to each risk type, a large amount of data is stored in a bank database, the data can sufficiently reflect the rule that the risk causes the loss to the client according to the law of large numbers, and the risk value corresponding to each risk type can be basically measured by using the statistical average value, namely the risk value corresponding to each risk type is set as the average value of the loss caused by the corresponding risk type to the client. Meanwhile, the probability of each risk type also reflects the influence of the risk type on the client, and the larger the probability is, the larger the influence is, and the larger the risk of the client is. After determining the risk types, the risk coefficient of each risk type and the probability of each risk type, the risk coefficient of the corresponding environment can be determined, for example, by directly setting: sum (ri × ni) or sum (log (ri × ni)), ri being the risk coefficient of the ith risk type, ni being the probability of the ith risk type, and sum being the summation function. An improvement to the above scheme is: in addition to considering the risk factor of each risk type and the probability of each risk type, the proportion t of the risk data to the whole transaction data needs to be considered, and then the risk factor corresponding to the environment can be modified to be set as: and (d) t × sum (log (ri × ni)) or t × sum (ri × ni), so that the risk coefficients of various environments can be evaluated more accurately.
According to the method, the risk of the environment of the bank terminal is quantified through the risk coefficient and the risk comparison factor, and then the relationship between the risk comparison factor and the waiting time threshold is established through the function, so that the risk of the environment of the bank terminal can be directly reflected to the waiting time threshold corresponding to the bank terminal, and the transaction risk of a client is directly influenced by the waiting time threshold corresponding to the bank terminal.
The transaction waiting time length not only includes the waiting time that the bank terminal leaves the customer to select the bank transaction after the customer successfully logs in the account password on the bank terminal, but also includes the waiting time that the bank terminal leaves the customer to perform various operations when the customer performs various bank transactions on the bank terminal, and the bank transactions include, but are not limited to, the following: deposit, withdraw money, transfer accounts, purchase financing, fund inquiry, account sales, face recognition verification and the like.
The block chain can ensure that data is not artificially tampered, the key data of each bank outlet and the terminal is real and effective, and the risk control is further ensured to be effective.
In the embodiment of the invention, the method for controlling the transaction waiting time of the bank terminal can realize that a reasonable transaction waiting time threshold value is obtained according to the risk of the environment of each bank terminal, and ensures that the risk is controllable when a user carries out transaction at the bank terminal. As described in detail below.
In an embodiment, in step 103, determining the current waiting duration threshold of the user performing the current transaction at the current bank terminal according to the historical waiting duration threshold corresponding to the current transaction type, the historical minimum waiting duration when the user operates the current transaction type, and the risk comparison factor corresponding to the current bank terminal, may include determining the current waiting duration threshold according to the following formula:
L2＝max(L1×f(r),p)；
wherein, L2 is the current waiting duration threshold, L1 is the historical waiting duration threshold, f (r) is a monotonically decreasing function, r is the risk comparison factor corresponding to the current bank terminal, and p is the historical minimum waiting duration. The above formula can ensure that the transaction waiting time of the current bank terminal is inversely related to the risk of the environment where the customer is located, that is, the higher the risk of the environment where the current bank terminal is located is, the smaller the waiting time threshold value is, and the lower the possibility that the risk occurs when the customer conducts transaction is compared with the historical waiting time threshold value under the same condition. Meanwhile, the historical minimum waiting time is considered, so that the client can be guaranteed to have enough time to perform various transaction operations, and the experience of the client in using the bank terminal can not be reduced by the determined current waiting time threshold.
Further, the above formula is closely related to the specific current customer, and the waiting time set by different customers is different because the reaction time and operation habit of different customers are different. Meanwhile, the current waiting duration threshold is different for different banking transactions, because the historical waiting duration thresholds of different banking transactions are definitely different. For example, depositing and withdrawing require the customer to perform cash-related operations, transferring transactions may require the customer to manually enter a bank account of a counterparty, and querying transactions is much simpler. The above formula is used for all banking transactions as long as L1 and L2 are the same type of transaction for the current customer.
Further, a plurality of time points can be determined based on historical transaction data of the bank terminal, each time point is located between a time interval formed by the transaction starting time and the transaction ending time of the customer at the bank terminal, then the risk data of each time point is counted, then the risk coefficient corresponding to the transaction ending time and the risk comparison factor corresponding to the risk coefficient are confirmed according to the risk data, then the risk comparison factor is used as an independent variable, the waiting time corresponding to the corresponding time point (namely the difference between the corresponding time point and the transaction starting time) is used as a dependent variable, and a polynomial function is used for fitting to obtain a specific expression of the function f.
In specific implementation, the implementation method for determining the current waiting time threshold may establish a corresponding relationship between the risk of the environment where the bank terminal is located and the waiting time threshold when the user performs a transaction at the bank terminal, so as to implement digital risk control of the bank and ensure the security of the user using the bank terminal.
In one embodiment, as shown in fig. 2, in the step 104, when processing the transaction request, controlling the transaction waiting duration of the current bank terminal according to the current waiting duration threshold may include:
step 1041: and when the time length that the user does not operate the bank terminal exceeds the current waiting time length threshold value, stopping processing the transaction request.
When the method is specifically implemented, the safety of the user using the current bank terminal can be ensured by controlling the transaction waiting time threshold of the current bank terminal. For example, when a customer suddenly receives a call to busy other things and forgets the transaction of the bank terminal, the customer leaves a chance of malicious operation for other people, and the steps of the method and the device can ensure that the transaction request is stopped being processed when the time length for which the user does not operate the bank terminal exceeds the waiting time length threshold value, so that the chance of malicious operation by other people is reduced, namely, the safety of using the bank terminal by the user can be improved.
In one embodiment, as shown in fig. 3, the method for controlling the transaction waiting time of the bank terminal may further include the further preferred steps of:
step 105: acquiring historical transaction amount of the user;
step 106: updating the current waiting time length threshold value to obtain an updated waiting time length threshold value when the historical transaction amount of the user is determined to exceed the preset transaction amount;
the prior art has a problem that it may result in a relatively short waiting time for the customer, and the customer needs to operate quickly, especially for the customer with active transaction. Customers for whom the bank 'transactions are more active can be determined from the user's historical transaction amount, and the waiting time can be increased appropriately for those customers, and the larger the transaction amount of the active customer, the larger the increase should be. After the waiting time threshold value when the bank terminal conducts transaction is updated, and then when the transaction request is processed, the transaction waiting time of the current bank terminal is controlled according to the updated waiting time threshold value, so that the demand of risk control can be met, the differentiated demand of active customers can be met properly, and the customer experience is improved.
In one embodiment, when it is determined that the historical transaction amount of the user exceeds the preset transaction amount, updating the current waiting duration threshold to obtain an updated waiting duration threshold may include:
and when the historical transaction amount of the user is determined to exceed the preset transaction amount, multiplying the current waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
In specific implementation, the current waiting time threshold is multiplied by a function taking the historical transaction amount of the user as an independent variable, so that the change amplitude of the waiting time of the customers with different transaction amounts is different, and the larger the historical transaction amount is, the more active the customers are, and the larger the increase amplitude of the waiting time is. Therefore, the actual requirements of customers with different liveness can be met after the updated waiting time on the premise that the risk is controllable.
In one embodiment, the function with the user's historical transaction amount as an argument may be:
f(y)＝2/(1+exp(-y))；
wherein, f (y) is a function taking the historical transaction amount of the user as an argument, and y is the historical transaction amount of the user.
In specific implementation, the function taking the historical transaction amount of the user as the independent variable further improves the experience of the user in using the bank terminal. The value range of the function is [1,2], and the function is a monotone increasing function, so that the more active customers are ensured, the larger the increase amplitude of the waiting time is, but the changed waiting time is not too large compared with that before the change, and the condition that the updated waiting time does not cause risks is ensured.
To facilitate understanding of how the present invention may be carried into effect, an example will now be described.
1. And setting a risk coefficient of the environment where each bank terminal is located, namely step 101. The risk data set for the area may be used, such as the proportion of clients (users) at risk among the clients served by the terminal, such as the risk information for the clients in the area around the terminal (the area served by the bank terminal, such as the area with a radius of 1000 meters around the terminal). In particular, the risk information of the users in the area served by each banking terminal may be obtained from a database stored in a bank or a financial institution.
2. Setting corresponding risk levels according to the environment risk coefficients corresponding to the bank terminals, and simultaneously setting risk comparison factors of each risk level and the lowest risk level according to the environment risk coefficients of different risk levels, for example, setting the risk comparison factors corresponding to the risk levels as quotients of the average values according to the average value of the environment risk coefficients of the bank terminal set corresponding to each level and the average value of the environment risk coefficients of the bank terminal set corresponding to the lowest risk level. The bank terminal and the corresponding risk level, and the risk comparison factor for each risk level are stored in the blockchain, step 102.
3. When the current bank terminal receives a transaction request, the bank terminal acquires the risk level of the current bank terminal from the block chain and a risk comparison factor r corresponding to the risk level.
4. When a customer makes a transaction on a current bank terminal, the bank terminal obtains a historical waiting time (duration) threshold corresponding to each transaction type (for example, withdrawal, inquiry, transfer, payment and the like) corresponding to the customer and a minimum waiting time p (historical minimum waiting duration) of the customer when the customer operates the transaction in historical transaction data, and specifically, the historical waiting time threshold and the historical minimum waiting duration can be obtained from a database stored in a bank or a financial institution. Then, based on a risk comparison factor r of a risk level corresponding to the bank terminal and the obtained time (historical waiting time threshold, historical minimum waiting time), a waiting time threshold (current waiting time threshold) for the transaction at the bank terminal is estimated, for example, the waiting time threshold is set according to the risk comparison factor r as follows: l2 ═ max (L1 xf (r), p). L1 is the waiting time threshold (historical waiting time threshold) when the customer is doing the transaction, f is a monotonically decreasing function, and L1 and L2 correspond to the same customer. Steps "3 and 4" are step 103 described above.
5. When the customer makes a transaction at the bank terminal, the non-operation time of the customer exceeds the corresponding waiting time threshold, and the transaction initiated by the customer is automatically stopped, namely, step 104.
6. In order to satisfy the differentiated requirements, such as customers with active transactions in the bank, the requirement of the system using the bank is stronger, and in order to improve the use experience of the customers, the calculated L2 may be multiplied by a function with the transaction amount of the customers as an argument, and the function satisfies: the higher the volume of the transaction, the higher the latency threshold should be, for example this function could be: f (y) 2/(1+ exp (-y)), where y is the customer's transaction amount, a further preferred step described above.
To sum up, the method for controlling the transaction waiting time of the bank terminal according to the embodiment of the present invention automatically adjusts the waiting time threshold of the customer when the customer performs the transaction at the bank terminal according to the risk of the environment where the bank terminal is located, and can ensure that the greater the risk of the environment where the bank terminal is located, the smaller the waiting time threshold of the customer when the customer performs the transaction at the bank terminal is, that is, the smaller the risk the customer faces when performing the transaction at the bank terminal is. Meanwhile, on the premise of effectively controlling the transaction risk of the bank terminal, the waiting time threshold of the active customers can be properly adjusted to meet the differentiated requirements of the active customers.
The embodiment of the invention also provides a device for controlling the transaction waiting time of the bank terminal, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the method for controlling the transaction waiting time of the bank terminal, the implementation of the device can refer to the implementation of the method for controlling the transaction waiting time of the bank terminal, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of a device for controlling transaction waiting time of a bank terminal in an embodiment of the present invention, as shown in fig. 4, the device includes:
the risk coefficient determining unit 01 is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the users in the service area of each bank terminal;
the risk comparison factor determining unit 02 is used for determining a risk level corresponding to each bank terminal according to a risk coefficient of an environment where each bank terminal is located and a relationship between a preset risk coefficient and the risk level; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
a current waiting duration threshold determining unit 03, configured to obtain a risk comparison factor corresponding to the current bank terminal from the block chain when the current bank terminal receives a transaction request of a user; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and the control unit 04 is used for controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold when the transaction request is processed.
In one embodiment, the control unit may be specifically configured to: and when the time length that the user does not operate the bank terminal exceeds the determined waiting time length threshold value, stopping processing the transaction request.
In an embodiment, as shown in fig. 5, the apparatus for controlling the transaction waiting time of the bank terminal may further include:
an obtaining unit 05, configured to obtain a historical transaction amount of the user;
the updating unit 06 is configured to update the determined waiting duration threshold to obtain an updated waiting duration threshold when it is determined that the historical transaction amount of the user exceeds a preset transaction amount;
the control unit may specifically be configured to: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
In an embodiment, the updating unit may specifically be configured to: and when the historical transaction amount of the user is determined to exceed the preset transaction amount, multiplying the determined waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for controlling the transaction waiting time of the bank terminal when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method for controlling the transaction waiting time of the bank terminal.
In the embodiment of the invention, the scheme for controlling the transaction waiting time of the bank terminal comprises the following steps: determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal; determining a risk grade corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between the preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain; when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the block chain; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal; when the transaction request is processed, the transaction waiting time of the current bank terminal is controlled according to the current waiting time threshold, so that reasonable transaction waiting time thresholds can be obtained by integrating risk scenes of all the bank terminals, and the security of transactions performed by users at the bank terminals is ensured.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A method for controlling transaction waiting time of a bank terminal is characterized by comprising the following steps:
determining a risk coefficient of an environment where each bank terminal is located according to risk information of users in an area served by each bank terminal;
determining a risk grade corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between the preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the block chain; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold.
2. The method for controlling transaction waiting time of a bank terminal according to claim 1, wherein the controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold when processing the transaction request comprises:
and when the time length that the user does not operate the bank terminal exceeds the current waiting time length threshold value, stopping processing the transaction request.
3. The method as claimed in claim 1, wherein determining the current waiting duration threshold for the user to perform the current transaction at the current bank terminal according to the historical waiting duration threshold corresponding to the current transaction type, the historical minimum waiting duration when the user operates the current transaction type, and the risk comparison factor corresponding to the current bank terminal comprises determining the current waiting duration threshold according to the following formula:
L2＝max(L1×f(r),p)；
wherein, L2 is the current waiting duration threshold, L1 is the historical waiting duration threshold, f (r) is a monotonically decreasing function, r is the risk comparison factor corresponding to the current bank terminal, and p is the historical minimum waiting duration.
4. The method for controlling transaction waiting time of a bank terminal according to claim 1, further comprising:
acquiring historical transaction amount of the user;
updating the current waiting time length threshold value to obtain an updated waiting time length threshold value when the historical transaction amount of the user is determined to exceed the preset transaction amount;
when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold, wherein the transaction waiting time comprises the following steps:
and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
5. The method for controlling transaction waiting time of a bank terminal according to claim 4, wherein when determining that the historical transaction amount of the user exceeds the preset transaction amount, updating the current waiting time threshold to obtain an updated waiting time threshold, comprises:
and when the historical transaction amount of the user is determined to exceed the preset transaction amount, multiplying the current waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
6. The method for controlling transaction waiting time of bank terminals according to claim 5, wherein the function using the historical transaction amount of the user as the argument is:
f(y)＝2/(1+exp(-y))；
wherein, f (y) is a function taking the historical transaction amount of the user as an argument, and y is the historical transaction amount of the user.
7. An apparatus for controlling transaction waiting time of a bank terminal, comprising:
the risk coefficient determining unit is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the users in the service area of each bank terminal;
the risk comparison factor determining unit is used for determining a risk grade corresponding to each bank terminal according to a risk coefficient of an environment where each bank terminal is located and a relation between a preset risk coefficient and the risk grade; determining a risk comparison factor of each risk level according to the risk coefficients of all the bank terminals corresponding to each risk level; storing the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade in a block chain;
the current waiting time threshold value determining unit is used for acquiring a risk comparison factor corresponding to the current bank terminal from the block chain when the current bank terminal receives a transaction request of a user; determining a current waiting time threshold of the user for performing the current transaction at the current bank terminal according to the historical waiting time threshold corresponding to the current transaction type, the historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and the control unit is used for controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold when the transaction request is processed.
8. The device for controlling transaction waiting time of the bank terminal according to claim 7, wherein the control unit is specifically configured to: and when the time length that the user does not operate the bank terminal exceeds the determined waiting time length threshold value, stopping processing the transaction request.
9. The apparatus for controlling transaction waiting time of bank terminal according to claim 7, further comprising:
the acquisition unit is used for acquiring the historical transaction amount of the user;
the updating unit is used for updating the determined waiting time threshold value to obtain an updated waiting time threshold value when the historical transaction amount of the user is determined to exceed the preset transaction amount;
the control unit is specifically configured to: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
10. The apparatus for controlling transaction waiting duration of a bank terminal according to claim 9, wherein the updating unit is specifically configured to: and when the historical transaction amount of the user is determined to exceed the preset transaction amount, multiplying the determined waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
11. 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 one of claims 1 to 6 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 6.
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