171 results about "Banking industry" patented technology

The invention discloses an ASR identification enhancement method based on audio and video recording. According to the method, the accuracy and compliance of voice recognition in the financial service interaction process are improved by fusing the audio and environment feature information in the banking business double-recording scene. The method comprises the following steps: firstly, constructing an acoustic model for a bank outlet environment, and extracting audio features and interaction scene information of conversation between a client and a worker; and then, designing a vocabulary recognition module special for the financial field, dynamically adjusting language model parameters according to professional term libraries and utterance modes of different business types, and effectively coping with key links such as financial product introduction, risk prompt and customer confirmation. Compared with a traditional ASR system, the voice recognition accuracy in the banking business handling process is remarkably improved, particularly, key term recognition and important information extraction are prominent, and more reliable technical support is provided for financial service standardized management and double-recording quality inspection.

The invention provides a design method and system for efficiently querying a bank data warehouse based on an MPP architecture, and the method comprises the steps: S1, collecting and cleaning data from a plurality of bank business systems, and loading the data to a Greenplum distributed data warehouse; s2, performing hierarchical modeling in the warehouse, constructing a customer center wide table, and storing data in each node in a balanced manner by adopting partition and hash distribution strategies; s3, designing a batch processing task scheduling process, and improving the batch processing efficiency by utilizing parallel execution; s4, optimizing configuration indexes and materialized views according to the queries, and accelerating query response by utilizing parallel computing of the MPP architecture; and S5, monitoring a system load and dynamically and elastically scaling cluster resources to deal with service peak and valley demands. By means of the steps, high-performance batch processing and real-time query support of EB-level bank data are achieved on the GreenplumMPP cluster, the data processing efficiency and the query response speed are remarkably improved, and good expansibility is achieved so as to meet the service development requirement.

The invention provides a test data diversification generation method and system based on a data factory, and the method comprises the steps: carrying out the multi-dimensional semantic deconstruction of a basic test data set stored in the data factory, and obtaining a basic concept component set through the recognition of a semantic association relationship and a concept hierarchical structure between data entities; constructing a dynamic semantic association network on the basis, and generating an association weight matrix by calculating semantic association strength among different concept components so as to recombine the basic concept component set and generate a structured semantic template set; the method comprises the following steps: acquiring a target test data format, inputting the target test data format into a pre-trained feature evolution generation network, optimizing a feature evolution direction, obtaining an evolved feature set, performing data form conversion and relevance verification, converting the evolved feature set into a target test data format, and generating a target test data set meeting diversified test scene requirements after verification. According to the invention, the requirements of diversified banking business test scenes on high-quality test data can be better met.

The invention discloses a multi-bank bank-enterprise direct connection data exchange system, which adopts a modularized and plug-in architecture, and comprises a client, which is used for sending an instruction through a front-end processor, an SDK (Software Development Kit) and an integrated UI (User Interface) control, supporting dynamic loading of a bank plug-in and a basic plug-in, and binding a unique equipment identifier through an authorization file; the bank server is in communication connection with the client and comprises a security gateway, a transaction platform and a multi-bank exchange center; the security gateway is used for authority verification, decryption signature verification, flow control and CFCA certificate signature verification so as to establish a secure data exchange channel; the transaction platform coordinates all banking business interfaces, and coordinates routing and execution of instructions sent by the client; the multi-bank switching center dynamically distributes the client to be connected with the WebSocket of the bank server through a dynamic load balancing strategy; and the management control module is used for remotely configuring client side parameters and bank interface strategies, supporting full-life-cycle management of system plug-ins and monitoring the states of the client side and the bank server side.

The present invention provides a method and system for encrypting business data using quantum encryption, which relates to the field of banking business data encryption. The method includes: constructing a fixed-time window, obtaining the key metadata and network pulse information of each bank-enterprise business data within the fixed-time window, and generating a point cloud set; generating topological structures of different scales based on the point cloud set, and recording topological feature information at each scale to generate a persistence diagram; extracting statistical quantities from the persistence diagram and calculating the decision factor corresponding to the current fixed-time window; based on the sensitivity coefficients of each bank-enterprise business data, determining the key length of each bank-enterprise business data according to the decision factor, and invoking a quantum random number generator to generate a unique key for each bank-enterprise business data under the current fixed-time window. The present invention can dynamically and flexibly adjust the encryption strategy, realizes the dynamic decoupling of the security strategy and network resources, and avoids service interruption caused by excessive occupation of bandwidth by encryption calculations.

The invention discloses a banking business post authority management method and device, equipment and a medium, and relates to the technical field of computers. Comprises: generating a post permission allocation request based on a service scene; executing a risk pre-check operation based on the post permission allocation request, and if pre-check is passed, configuring a temporary permission for the permission applicant according to a preset minimum permission principle; collecting operation behaviors and operation environment data of the permission applicant in real time, and generating a target risk score; generating an operation risk level of the permission applicant based on the target risk score by using a preset risk grading response mechanism so as to execute a corresponding permission management operation, and generating a corresponding permission change instruction at the same time; and synchronizing the permission change instruction to each service system through a preset message queue, and uploading the key operation log containing the permission change record to a preset block chain. Therefore, risk real-time blocking and authority life cycle management can be realized in banking business, and business compliance is improved.

The invention provides a method for assisting in handling banking business. The method can be applied to the financial science and technology field or the business processing field. The method for assisting in handling the banking business comprises the steps that at least one candidate path is generated according to at least one to-be-handled business of a target user, the candidate path comprises a plurality of service nodes, and the service nodes represent handling positions associated with the at least one to-be-handled business of the target user; state information of a service node and position information of a target user are obtained, the state information represents waiting time of the service node, and the position information represents the distance between the target user and the service node; and determining a target path from the at least one candidate path according to the position information and the state information. The invention further provides a device and equipment for assisting in handling banking business, a storage medium and a program product.

The invention provides a business data encryption method and system applying quantum encryption, and relates to the field of bank business data encryption, the method comprises the following steps: constructing a fixed time window, obtaining key metadata and network pulse information of business data of each bank enterprise in the fixed time window, and generating a point cloud set; topological structures of different scales are generated according to the point cloud set, topological feature information is recorded under each scale, and a persistent graph is generated; performing statistic extraction on the persistent graph, and calculating a decision factor corresponding to the current fixed time window; and based on the sensitivity coefficient of each bank-enterprise service data, determining the key length of each bank-enterprise service data according to the decision factor, and calling a quantum random number generator to generate a unique key for each bank-enterprise service data under the current fixed time window. According to the invention, the encryption strategy can be dynamically and flexibly adjusted, the dynamic decoupling of the security strategy and the network resources is realized, and the service interruption caused by the excessive occupation of the bandwidth by the encryption calculation is avoided.

The embodiment of the invention provides a network slice resource allocation method, device and equipment applied to banking business, and is applied to the technical field of financial science and technology. The method comprises the following steps: dividing corresponding network slices for different types of banking businesses based on the types of the banking businesses, and determining initial resource configuration information of each network slice to obtain a slice configuration table; obtaining real-time monitoring data of each network slice, and generating a resource configuration adjustment instruction when the real-time monitoring data meets a preset updating condition; updating initial resource configuration information of each network slice based on the resource configuration adjustment instruction to obtain updated resource configuration information; and based on each network slice and the corresponding updated resource configuration information, carrying out resource allocation on the network slices, and executing the banking business corresponding to the network slices based on the network slices. The method achieves the technical effect of improving the resource utilization rate.

A methodological technical approach is proposed herein that utilizes historical data to employ a heuristic optimization algorithm for data message routing. While not specifically limited to the banking sector and financial institutions, as a practical example, the approach can utilize historical data relating to patterns of transactions for analyzing customer behavior and detecting fraudulent activities. For example, trajectory mining can be used to analyze the transaction patterns of credit card users, or behavioural patterns of mobile banking users, such as checking account balance, transferring funds and paying bills.

Methods and systems for leveraging open banking to include installment payment offerings include receiving a request message for an installment loan offer. The request message is associated with a transaction being performed by a consumer. The request message includes account access credentials associated with an open banking installment offer service account and transaction details associated with the transaction. The account access credentials are validated and the open banking installment offer service account is accessed. One or more installment loan offers are retrieved based on consumer preferences associated with the open banking installment offer service account. The installment loan offers are transmitted to the computer associated with the merchant. A consent message including consumer consent information indicating consent to share open banking data with one or more installment program providers (IPPs) is received. The open banking data is associated with the consumer.

The invention provides a banking business data change influence analysis method and related equipment. The method comprises the following steps: acquiring a business data blood relationship map constructed for a banking business system; each node in the business data blood relationship map corresponds to each bank data entity, and each edge in the business data blood relationship map corresponds to a data flow relationship among the bank data entities; based on the change type, determining a target sub-graph corresponding to the change type from preset sub-graphs; taking the change node as a starting point, and screening out candidate nodes matched with the root node attribute of the target sub-graph from the business data blood relationship graph; based on the target sub-graph and each candidate node, performing sub-graph matching in the business data blood relationship graph to obtain a matching result isomorphic with the target sub-graph; based on a preset influence scoring rule, scoring each matching path in the matching result; and on the basis of each matching path and the score corresponding to the matching path, a change influence analysis result is generated, so that the change influence analysis efficiency and accuracy are improved.

The embodiment of the invention provides a community discovery method and device for banking business, equipment, a medium and a program product, and relates to the field of big data. The method comprises the following steps: acquiring user and banking service opening information, and constructing a network model; according to the network model, calculating the local density and the segmentation distance of each node; determining a clustering center node according to the local density and the segmentation distance of each node; distributing each non-clustering center node to a community where a node which is closest to the non-clustering center node and of which the local density is higher than that of the non-clustering center node is located for the first time; for each non-enveloping node, calculating the membership degree of the non-enveloping node to a community to which the adjacent node belongs; and if the degree of membership of the non-enveloping node to the community to which any adjacent node belongs is greater than the degree of membership of the non-enveloping node in the initially allocated community, adding the node to the community to which the adjacent node belongs. According to the method, the accuracy of bank user community division is improved.

This invention discloses a method and apparatus for locating the root cause of an event failure, applicable to the field of artificial intelligence technology. The method includes: acquiring pending failure events during the banking business process; determining the primary event failure root cause matching the pending failure event based on the checking methods associated with each primary event failure root cause in the primary event failure root cause list; the checking methods associated with the primary event failure root causes are used to verify whether the corresponding primary event failure root cause has occurred; determining the secondary event failure root cause list under the primary event failure root cause based on the primary event failure root cause matching the pending failure event; and when a secondary event failure root cause matching the pending failure event exists in the secondary event failure root cause list, sending the secondary event failure root cause matching the pending failure event to the user. This invention achieves rapid location of event failure root causes, improves the accuracy of event failure root cause location, and enhances governance efficiency.

The invention discloses a security authentication and bank-enterprise direct connection docking method and system based on an open platform, and relates to the technical field of bank business systems, and the method comprises the steps: constructing a bank open platform, and deploying an SDK (Software Development Kit) matched with the bank open platform in an enterprise; after the enterprise signs a contract with the bank based on the operation platform, the information of the signed enterprise and the public and private key pair are synchronized to the bank open platform; the bank open platform automatically creates enterprise account docking information based on the signed enterprise information, and feeds back the enterprise account docking information to the enterprise; enterprise account docking information is input based on the SDK, an API of a bank open platform is called, and digital signature and encryption are performed by using public and private keys; and calling an API based on the SDK to complete bank-enterprise direct connection and docking business service. Through the technical scheme of the invention, the deployment cost is reduced, the deployment efficiency is improved, and the earlier-stage investment and long-term maintenance expenditure are greatly reduced.

The invention discloses a business processing method and device and a computer readable storage medium. Relates to the field of digital employees, and the method comprises the steps: obtaining account features corresponding to a target account and business features of a to-be-processed business, the account features representing business processing efficiency demands of the target account, and the to-be-processed business representing bank businesses in a meta-universe system; based on the account features and the service features, determining demand urgency degrees of the target account in N processing stages corresponding to the to-be-processed service, N being a positive integer; and based on the demand urgency degrees corresponding to the N processing stages, determining processing methods corresponding to the N processing stages. Through the method and the device, the technical problems of poor user experience and certain resource waste caused by the fact that differentiated services cannot be provided according to the characteristics of the user in the current meta-universe system in the prior art are solved.

The invention discloses a data anomaly detection method and device, equipment and a storage medium, and relates to the technical field of big data. The method comprises the steps of preprocessing initial business data extracted from a banking business system according to banking business parameters to obtain to-be-detected business data; according to the initial centroid, performing clustering analysis on the to-be-detected service data to obtain an initial clustering analysis result; under the condition that the initial clustering analysis result meets a clustering number adjustment condition, determining a clustering number adjustment frequency; adjusting the clustering number to obtain an adjusted clustering number; and determining a candidate centroid according to the adjusted clustering number, and performing clustering analysis on the to-be-detected service data again until the candidate centroid meets a centroid change rate condition, and obtaining a target clustering analysis result, thereby determining an anomaly detection result. According to the scheme, the clustering analysis is carried out by adopting a self-adaptive clustering number adjustment mode, so that the abnormal data is determined, and the data anomaly detection efficiency is improved.

The invention provides a daily switching method and device of a bank distributed core system, a medium and a bank system. The method comprises the following steps: acquiring a transaction code, an accounting date permission mode code and an accounting date use mode code; according to the date permission mode code and the accounting date use mode code, determining that a target transaction date of the core system is a transaction date of the core system or an accounting date of the peripheral system, the target transaction date being a transaction date corresponding to the transaction code in the core system; after all the target transaction dates are updated, daily switching operation is executed on all the distributed core systems to complete daily switching work of the core systems, and the problem that according to an existing scheme, due to the fact that daily switching cannot be synchronized between an associated system and the core systems, accounting and accounting errors are caused is solved; and transaction failure or business accounting date chaos can be caused, so that the banking business is influenced.

The utility model relates to the technical field of banking business libraries, in particular to a split mounting type banking business library which comprises a library door, a plurality of holes are formed in the library door, threads are formed in the holes, steel columns are arranged in the holes, first splice plates used for increasing the wall thickness are symmetrically arranged on the library door, and the first splice plates and the second splice plates are symmetrically arranged on the library door. A third connecting plate used for improving the strength is arranged on the top of the garage door, a plurality of grooves are formed in the side wall of the garage door, the first splicing plates are matched with the grooves, and first connecting plates used for limiting the height are arranged on the first splicing plates. Through the arrangement of the second splicing plate and the third splicing plate, the impact strength of the two sides of the warehouse door is improved, meanwhile, splicing and dismounting are convenient, the defects of weak parts of the whole structure are reduced, compared with the prior art, the safety of cash and articles can be effectively improved, meanwhile, the later assembling and dismounting functions are convenient, and the service life of the warehouse door is prolonged. Therefore, the safety of cash and articles is improved.

The application discloses a sensitive data desensitization method for a bank service scene, and belongs to the technical field of data desensitization, and comprises the following steps: obtaining a query result set, and traversing fields in the query result set; identifying whether the fields belong to sensitive fields based on semantic features of the fields, wherein the sensitive fields at least include one or more types of a name field, a mobile phone number field, an ID number field, a bank card number field and an account number field; selecting corresponding desensitization rules from a preconfigured desensitization rule set according to types of the identified sensitive fields; performing field-level desensitization processing on the query result set, replacing sensitive data field by field according to the selected desensitization rules, and generating a desensitized result set. By identifying dynamically changing query result fields, desensitization omission caused by non-uniform field naming is avoided, and by using a differentiated desensitization strategy, sensitive information is protected while data service availability is retained.

The invention provides an intelligent warehouse management method and system for bank signature cards, and relates to the field of article management, and the method comprises the steps: carrying out the use common-frequency analysis of the historical use data of signature cards of a plurality of enterprises, and generating a use common-frequency analysis result; based on the same-frequency analysis result, determining a regional storage scheme of the signature cards of the plurality of enterprises, and allocating an RFID tag to the signature card of each enterprise; based on the regional storage scheme of the signature cards of the multiple enterprises, after the signature cards of the multiple enterprises are stored in the signature card cabinet, the storage positions of the signature cards of the enterprises are determined based on the RFID tags and the RFID positioning assembly of the signature card cabinet; based on the use data and the storage positions of the signature cards of the plurality of enterprises in the current period, determining an optimal inventory path; according to the optimal checking path, the RFID reader-writer is controlled, checking of the signature cards of the multiple enterprises is carried out, an automatic checking result is generated, and the method has the advantages that the signature card management level is improved, and efficient and safe operation of banking business is guaranteed.

The invention discloses a training method and device of a business handling evaluation model, equipment and a storage medium, and can be applied to the field of financial science and technology. The method comprises the steps of obtaining historical business handling data of a target bank business, and constructing business sample data based on the historical business handling data; based on the business sample data, performing first model training on a pre-constructed machine learning model to obtain a candidate business handling evaluation model; adopting a candidate business handling evaluation model to perform business handling prediction on different business dimension feature combinations in the historical business handling data to obtain candidate predicted business handling tags, and determining feature importance degrees of different business dimension features in the historical business handling data based on the predicted business handling tags; and performing second model training on the candidate business handling evaluation model based on the feature importance and historical business handling data to obtain a target business handling evaluation model. According to the technical scheme, the model performance and the prediction precision are improved.

The invention discloses a banking business risk decision-making method based on a digital combat system, and the method comprises the steps: collecting real-time early warning information, and carrying out the data preprocessing; calculating an administrative division pattern spot where an early warning network point is located according to the data preprocessing result; and marking and rendering are carried out on the administrative division pattern spots according to business rules, and early warning rule display is carried out. The characteristic of finding the risk regionality from an overall perspective is realized.

The embodiment of the invention provides a banking business process management method and device and electronic equipment, and relates to the technical field of data analysis. According to the method, flow data of a banking outlet is obtained, data processing is conducted on the flow data, a heterogeneous outlet data set corresponding to the banking outlet is obtained, the flow data is used for indicating data generated when the banking outlet executes a flow task corresponding to a business flow, and the flow task corresponding to the heterogeneous outlet data set is determined. And generating a digital twinborn model corresponding to the process task, determining a business process optimization suggestion corresponding to the process task based on the digital twinborn model, and feeding back the business process optimization suggestion to the bank outlet, so that the bank outlet optimizes the business process based on the business process optimization suggestion. The business processing efficiency and the operation efficiency are improved.

The present application discloses a big-data-based bank user risk early warning method and device, which relates to the financial field. The method includes: receiving a service handling request submitted by a user; obtaining dynamic data of the user authorized by the user and a third-party institution according to the service handling request; performing data cleaning and data governance on the dynamic data to obtain evaluation data of the user; determining a risk evaluation result of the user according to the evaluation data and a pre-created risk early warning model; wherein the risk early warning model is pre-trained according to the dynamic data of multiple users and corresponding ones. The present application performs user risk assessment based on the dynamic data of the user, solves the shortcoming problem of the existing dynamic assessment method for bank customer risk early warning, and provides a more dynamic, vivid, real-time and highly valuable, brand-new way for user assessment in the process of bank service handling.

This application provides a semantic modeling method for bank data access, relating to the field of data processing technology, including: receiving structured business files, determining the target character set and parsing to obtain header fields and data rows; performing normalized mapping on the header fields and generating field data profiles based on sample values; generating field semantic profiles using a banking business knowledge base; identifying fields with multiple candidate business expressions or inconsistent with the field data profiles, receiving user confirmation or correction to obtain confirmed field profiles; generating a target physical table structure based on physical column names and confirmed field profiles and writing it into data rows, saving the mapping relationship between the original field names, physical column names, confirmed field profiles, and user confirmation records; generating a question data schema for intelligent question data services to call based on the mapping relationship; and updating the banking business knowledge base based on user confirmation records and supplementary content.

The invention discloses a data system based on bank information, which relates to the technical field of bank information and comprises a user data information management module, a bank information data module, a safety supervision module and a customization management module. Through setting the user data information management module, the bank information data module, the safety supervision module and the customization management module, a perfect data system is constructed, in actual use, the user data information management module automatically collects processing and tracking of consultation, complaint and service requests of users, relation management and maintenance are carried out on different users, and the user experience is improved. A comprehensive solution is provided for the bank industry, the operation efficiency of bank services is improved, potential risks are effectively reduced, bank information data and corresponding analysis results are managed, visualized and stored, bank information management can be achieved through internet-of-things cloud management and control, and the bank information management efficiency is improved. And the intelligent level of bank information management is improved.

Methods for banking at an automated teller machine (ATM) using a mobile device. The ATM may automatically detect the presence of the mobile device in a vicinity of the ATM and initiate contact with the mobile device, or a mobile device may initiate contact with the ATM. After verifying user permission to access the ATM, the mobile device may be enabled to provide user access to one or more of the banking services available at the ATM using the mobile device and to view banking-related information on the mobile device. A mobile application on the mobile device may be used to access the ATM using the mobile device. While a mobile device is accessing the ATM, a screen on the ATM may become inactive for banking services and the option to select banking services directly at the ATM may be disabled.

Embodiments of the present application provide a multi-modal poisoning attack defense method and system, wherein the multi-modal poisoning attack defense method comprises: obtaining a preprocessed data set; determining fusion features corresponding to the preprocessed data set; performing feature reconstruction on the fusion features to determine reconstructed features; performing quality evaluation on the reconstructed features to determine fusion feature confidence; obtaining historical attack samples; inputting the historical attack samples and the preprocessed data set into a generative adversarial network to determine attack mode matching confidence; determining a security confidence parameter according to the fusion feature confidence and the attack mode matching confidence; and triggering a defense action according to the security confidence parameter. Through the scheme of the present application, the way of determining the security confidence according to the fusion feature confidence and the attack mode matching confidence realizes the balance between comprehensive defense and dynamic adaptability, and improves the security of the bank business system.

The embodiment of the invention provides a user portrait determination method and device, a storage medium and a program product, and relates to the field of financial science and technology or other related fields. The method comprises the following steps: acquiring multi-modal data from a customer, wherein the multi-modal data comprises at least two of audio data, image data and text data; determining interaction data features of the multi-modal data based on the correlation degree between the different modal data; determining fusion feature information according to the interaction data features and weights corresponding to the multi-modal data; and determining customer portrait information of the customer according to the fused feature information, wherein the customer portrait information comprises business requirements and emotion information. According to the method provided by the invention, the client portrait information determination capability in a banking business scene is improved.