A social, payment and applet native integration system and method based on an AI large model

Abstract

This invention discloses a system and method for natively integrating social networking, payment, and mini-programs based on an AI big data model. The system uses an AI big data model as its core control module, internally integrating a social networking processing module, a payment processing module, and a mini-program integration module, all sharing a unified interface for business scheduling. The payment module only handles instruction parsing, identity verification, and encrypted reporting; actual fund clearing and settlement are handled by licensed payment institutions, strictly complying with financial regulatory standards. This invention abandons the traditional third-party application redirection and external SDK integration model, constructing an integrated intelligent service system model centered on a big data model. This achieves closed-loop operation within the business, improves user experience and data security, and is applicable to various intelligent AI service scenarios.

Description

Technical Field

[0001] This invention belongs to the fields of artificial intelligence large model application, system function integration, and intelligent interactive service technology. Specifically, it relates to an integrated architecture solution that natively integrates social interaction, compliant payment interaction, and mini-program operation services within an AI large model, and particularly to a native service integration system model with an AI large model as the system kernel. Background Technology

[0002] Currently, AI products on the market that integrate social, payment, and mini-program services all rely on external interfaces, requiring redirection to independent third-party software and extensive calls to external interfaces and SDKs. This results in cumbersome operations, fragmented business processes, and low data security. Particularly in payment scenarios, if AI systems directly participate in fund transfers and settlements, they are highly susceptible to violating financial regulatory red lines, posing significant compliance risks. Currently, the industry lacks an integration solution that can natively build a service system within the AI ​​framework while simultaneously meeting compliance requirements. Furthermore, external redirection and third-party interface calls can easily lead to the loss of interaction context data, and frequent process switching increases device system resource consumption, resulting in overall low operating efficiency. Summary of the Invention

[0003] Overcoming the shortcomings of existing external service integration, such as poor user experience, weak security, and insufficient compliance, this paper provides an integrated system architecture that natively integrates multiple commonly used services within AI, enabling stable deployment and compliant control. Technical solution

[0004] Overall architecture: An AI large model main control module is set up. The main control module is directly coupled with the social processing module, payment processing module, and mini-program integration module. Each module shares the underlying running space. The large model uniformly parses natural language instructions and allocates and schedules tasks, thus building a unified system operation model driven by the large model.

[0005] Service operation mode: All business logic runs within the AI ​​system, without relying on independent third-party applications, external business interfaces, or third-party function SDKs.

[0006] Payment compliance architecture: The payment processing module is only responsible for user payment instruction recognition, identity security verification, transaction risk assessment, and generation and uploading of encrypted transaction data packets; all fund transfers, transaction clearing, and account fund management are completed by licensed payment institutions with formal qualifications. The AI ​​system does not touch user funds or conduct payment clearing business.

[0007] Collaborative scheduling method: Relying on the scheduling mechanism of the large model itself to complete the linkage of multiple modules, supporting a single command to trigger a single service or multiple combined services. Beneficial effects

[0008] User experience advantages: All services are completed in a single AI interface, eliminating the need to switch between different software, and the interaction process is simple and smooth.

[0009] Security advantages: Closed-loop internal transmission of business data reduces the risk of data leakage from external interfaces, resulting in stronger overall privacy protection.

[0010] Compliance advantages: The division of responsibilities between the AI ​​interaction layer and the financial clearing layer is clear, fully complying with relevant internet and financial regulations, and can be directly applied in commercial applications.

[0011] Expanding advantages: It adopts at least one optional integration mode, which can be equipped with any one of the following functions: social, payment, or mini-program, to flexibly adapt to different product needs. Attached Figure Description

[0012] Figure 1 System overall module coupling architecture diagram Figure 2 Schematic diagram of compliant payment business process Figure 3 Diagram of the native operating architecture of AI internal mini-programs Detailed Implementation Overall architecture deployment

[0013] The AI ​​large model main control module serves as the core scheduling hub, receiving user natural language interaction commands, completing semantic intent recognition, and directly calling the corresponding functional modules within the system to execute the corresponding business; the social module has its own friend system, chat communication, and group management operation logic; the mini-program module builds an independent sandbox running environment to enable the direct loading and running of third-party mini-programs internally.

[0014] The interactive commands generated by the sandbox operation can be uniformly recognized and parsed by the AI ​​big model, realizing the interconnection and linkage between mini-program operation and natural language interaction.

[0015] Compliant payment execution process (1) Users issue payment-related natural language commands through the AI ​​interactive interface; (2) The AI ​​main control module identifies the requirements and calls the built-in payment processing module to complete user identity verification and transaction risk screening; (3) After verification, a standardized encrypted transaction data packet is generated and transmitted externally through a compliant encrypted channel; (4) The licensed payment institution receives the data packet and completes fund clearing and transaction processing; (5) The processing results are sent back to the AI ​​system, and the AI ​​will organize and feed them back to the user.

[0016] Internal collaborative operation The various functional modules achieve information synchronization through underlying data communication, supporting the mutual linkage and push of social messages, payment notifications, and mini-program service information, realizing a one-stop comprehensive intelligent service.

[0017] Compliance Supplementary Explanation In this technical solution, the AI ​​system is positioned as an intelligent front-end interaction and business integration carrier. It does not obtain payment business operation qualifications and does not engage in core financial businesses such as fund custody, fund clearing, and transaction reconciliation. All financial-related compliant operations are undertaken by legally qualified third-party institutions. The overall architecture fully complies with the relevant regulatory requirements of the "Administrative Measures for Online Payment Business of Non-bank Payment Institutions".

Claims

1. An artificial intelligence service system based on a large AI model, characterized in that, It includes an AI large model main control module, and at least one of a social processing module, a payment processing module, and a mini-program integration module that are logically connected to the AI ​​large model main control module; The AI ​​large model main control module is used to receive user natural language commands, identify business usage intentions, and schedule corresponding internal functional modules to execute business. The social processing module, payment processing module, and mini-program integration module are all deployed and run within the AI ​​big model system. Business data is transferred and scheduled within the system without relying on third-party independent applications, external business interfaces, or third-party function SDKs. The payment processing module is only used to complete payment instruction parsing, user identity verification, transaction risk control verification, and encrypted transaction package generation and uploading. The system does not participate in any fund clearing business; all fund clearing work is completed independently by licensed and legitimate payment institutions.

2. The artificial intelligence service system according to claim 1, characterized in that, The social processing module has built-in complete instant messaging, friend addition management, group creation and in-group interaction functions. The entire social service system operates independently in a closed loop within the AI ​​system.

3. The artificial intelligence service system according to claim 1, characterized in that, The payment processing module is configured with a transaction risk circuit breaker mechanism, which initiates secondary verification for abnormal transaction behavior, and submits encrypted transaction data to the outside world only after the verification is completed.

4. The artificial intelligence service system according to claim 1, characterized in that, The mini-program integration module has a built-in independent security sandbox, which can directly load, parse and run third-party mini-programs within the AI ​​system without jumping to an external mini-program service platform.

5. The artificial intelligence service system according to claim 1, characterized in that, The AI ​​large model main control module supports the simultaneous invocation of multiple internal functional modules in the same round of interactive commands, completing integrated business processing of social networking, payment, and mini-programs.

6. A service integration implementation method based on the system according to any one of claims 1-5, characterized in that, Includes the following steps: Step 1: The user inputs natural language commands on the unified AI interaction interface; Step 2: The AI ​​large model main control module parses the instruction content and determines at least one of the following: social services, payment services, and mini-program services required by the user; Step 3: The main control module directly schedules the corresponding functional modules within the system to start and run; Step 4: When payment transactions are involved, only front-end verification and encrypted data reporting are completed, and fund clearing is handled by an external licensed institution; Step 5: AI integrates all business execution results and displays them uniformly on the user interface, without any redirection to third-party platforms.

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