多模态身份建模与智能权益联动的公共支付方法及系统
By using multimodal identity modeling and intelligent rights linkage, the optimal payment scheme is dynamically matched, which solves the shortcomings of the existing public payment system in protecting the rights of special groups, realizes the intelligence and security of the payment process, and improves the adaptability and efficiency of the system.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- NINGBO YIKATONG TECHNOLOGY CO LTD
- Filing Date
- 2025-10-29
- Publication Date
- 2026-07-17
AI Technical Summary
Existing public payment systems are insufficient in terms of dynamic adaptability, making it difficult to respond to real-time changes in user status and environmental parameters. In particular, they lack reliable mechanisms to protect the rights and interests of special groups, which affects payment efficiency and accuracy.
This approach employs a multimodal identity modeling and smart rights linkage method. By collecting multimodal feature data, it uses an attention mechanism model with feature decay compensation to identify user identity types. Combined with a spatiotemporal related rights knowledge graph and reinforcement learning algorithms, it dynamically matches the optimal rights scheme. Furthermore, it ensures the security and fairness of the payment process through smart contracts and blockchain notarization.
It has significantly improved the adaptability, fairness, and efficiency of the public payment system, ensured the protection of the rights and interests of special groups, and achieved intelligent and secure payment processes.
Smart Images
Figure CN121146773B_ABST