309 results about "Banking industry" patented technology

The invention relates to the technical field of banking business marketing data processing, in particular to a multi-channel-based banking business marketing data processing method and system, and aims to guarantee the accuracy and reliability of a marketing strategy by integrating multi-channel data and acquiring and verifying a banking business marketing data source in real time. Then, a machine learning algorithm is used for generating a customer portrait, analyzing a behavior pattern and potential requirements of the customer portrait, generating a personalized marketing strategy, a natural language processing technology is combined, real-time performance and pertinence of marketing content are ensured, pushing is carried out according to customer preferences during pushing, the pushing opportunity is optimized, and the system monitors feedback behaviors in real time after pushing, so that the marketing quality is improved. A strategy effect is evaluated, marketing activities are optimized by using an A / B test, closed-loop feedback is formed, a strategy is continuously improved, and high efficiency and accuracy of a marketing scheme are ensured. According to the method, automatic strategy generation and optimization are realized through the AI technology, the marketing efficiency and customer experience of banking business are greatly improved, and the method is suitable for a multi-channel data processing scene.

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 discloses a financial information query method and device, a storage medium and a computer program product. The method comprises the steps that a query task text is obtained, and the task text is used for representing financial questions planned to be queried by a user; determining a first similarity between the query task text and summary information of each knowledge vector in the financial knowledge base, and determining candidate knowledge vectors in the knowledge vectors in the financial knowledge base according to the first similarity; determining a second similarity between the query task text and the candidate knowledge vectors, and determining a target knowledge vector in the candidate knowledge vectors according to the second similarity; according to financial information corresponding to the target knowledge vector, a query result corresponding to the query task text is determined, and the query result is used for answering a financial question corresponding to the query task text. The technical problem that bank employees are difficult to effectively integrate and quickly query related financial information due to increasing complexity of bank businesses is solved.

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 system for analyzing the influence of Internet finance on the traditional business of a CB bank, and the system comprises a data collection module, a data processing module, an influence analysis module, a visual display module, a coping strategy module, and a trend prediction module. The data acquisition module is used for collecting traditional businesses and macroeconomic data of an Internet financial platform and a CB bank, the data processing module cleans, arranges and stores the acquired data, and the influence analysis module analyzes the Internet financial businesses and the traditional banking businesses through comparison. And the influence of Internet finance on the traditional business of the CB bank is researched. By taking a CB bank as an example, the influence of Internet finance on deposit, loan and payment businesses of the CB bank is empirically analyzed from a microscopic perspective; comprehensive theory and practice support is provided by integrating literature, data, comparison and case analysis methods; a specific coping strategy is also provided, and reference is provided for the CB bank and other commercial banks to cope with challenges.

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 relates to a method and a system for measuring at least one discharge head having an outlet opening of a building material system.

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.

The invention provides a bank business peak period prediction method and system based on a real-time computing platform, and the method comprises the steps: S1, collecting historical transaction data and external factor data from a bank database in real time, and carrying out the cleaning and preprocessing of the collected data; s2, extracting the preprocessed time, historical window and external factor features, and carrying out feature coding and engineering optimization processing on the features; s3, constructing a machine learning model, taking the encoded time, historical window and external factor characteristics as input to train the model, adjusting hyper-parameters through cross validation, and evaluating the performance of the model; s4, receiving real-time data, extracting input features, inputting the real-time data into the trained model for reasoning, and outputting a prediction result; and S5, dynamically adjusting the resource configuration of the bank according to the prediction result, and reversely optimizing the model by monitoring the actual operation condition in real time. According to the method, system resources are dynamically adjusted through the real-time prediction result, and the pressure of business peaks on hardware and human resources is relieved.

The embodiment of the invention belongs to the technical field of real-time voice processing, is applied to a real-time voice scene of bank business handling, and relates to an information recognition method, device and equipment and a storage medium thereof. Extracting an MFCC feature; inputting the MFCC features into a pre-trained voiceprint feature extraction model, and extracting multi-dimensional voiceprint features; and inputting the multi-dimensional voiceprint features into a pre-trained customer information recognition model, recognizing customer information corresponding to the target object, and outputting the customer information. The client information, such as age, gender, accent and emotion information during speaking, of a target object is recognized through a voice processing technology, the information recognition method is applied to a real-time voice scene of bank business handling, a bank supervision terminal can be helped to know the client information of online clients in real time, and the user experience is improved. And when the emotion of the customer during speaking fluctuates, corresponding adjustment can be made in time, so that the system is more intelligent and humanized.

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 relates to the technical field of financial science and technology, and provides a document interpretation method and device, electronic equipment and a computer readable storage medium. Analyzing and processing the system document to obtain system attribute information; matching the system attribute information with a preset service category knowledge base, and determining a system type; extracting historical system information from the business category knowledge base according to the system type; generating an initial interpretation query according to the system document, and performing enhancement processing on the initial interpretation query according to the historical system information to obtain an enhanced query prompt; and inputting the enhanced query prompt into a preset large language model for analysis and processing to obtain system interpretation information. By means of the technical scheme, intelligent document interpretation can be achieved, the document interpretation efficiency is improved, and therefore development of banking business is better facilitated.

The embodiment of the invention belongs to the field of financial science and technology, and relates to a data quality optimization method and device, computer equipment and a storage medium, and the method comprises the following steps: obtaining banking business data; inputting the bank business data into a pre-constructed multi-dimensional data feature extraction model to obtain a business multi-dimensional feature vector; performing clustering analysis on the service multi-dimensional feature vector to obtain a service data quality monitoring result; acquiring a historical business data quality trend and performing causal relationship test to obtain a data quality causal relationship; performing data quality prediction based on the business multi-dimensional feature vector and the data quality causal relationship to obtain a data quality prediction result; and optimizing and adjusting the bank business data based on the data quality prediction result and the data quality causal relationship. According to the method and the device, the business data with poor data quality in the bank business data can be effectively, quickly and accurately identified, and the identified business data quality is effectively optimized.

The invention discloses a VPT-based bank industry distributed internet asset monitoring method and system, and the method and system provide a result consistency algorithm through a distributed automatic monitoring mode, fuse the attack and defense experience of internal and external penetration expert teams, discover unknown assets, especially mobile terminal assets, and troubleshoot sensitive information leakage. The invention further provides an internet asset vulnerability monitoring processing method based on the VPT, the relation between internet assets, vulnerabilities and development departments of banks is sorted, the asset exposure condition is researched and evaluated, optimization and improvement of enterprise network security work are further promoted, and enterprise internal data and service security can be effectively guaranteed.

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.

The invention provides a data processing method and device, a server, a medium and a program product. According to the method, in response to an evaluation request for the property service quality of a to-be-evaluated subject initiated by a target terminal, various index data for evaluating the property service quality of the to-be-evaluated subject is obtained based on multiple channels, and the index data are input into a pre-trained artificial intelligence model; and processing each item of index data based on an artificial intelligence model to obtain a property service quality score for each item of index data of the to-be-evaluated subject, the artificial intelligence model being a model obtained based on historical sample data set training and used for evaluating the property service quality score. And generating a property service evaluation report based on the property service quality score, and sending the property service evaluation report to the target terminal. According to the technical scheme, a property service quality evaluation mode for evaluating the subject matter more efficiently and accurately is provided for a bank, so that the bank business processing efficiency is improved.

The invention belongs to the technical field of financial science and technology, provides a speech synthesis processing method and device and related equipment, and aims to solve the problem of low similarity between a synthesized speech and a real person speech in the traditional technology, the speech synthesis processing method comprises the following steps: obtaining a text to be converted into a speech, obtaining a prompt text, and determining a discrete semantic token; establishing an alignment relationship between the text and the discrete semantic token based on a preset text speech big language model according to the prompt text to obtain a target discrete semantic token corresponding to the text, determining a speech spectrum feature corresponding to the target discrete semantic token based on a preset condition flow matching model, and synthesizing a speech spectrum feature corresponding to the target discrete semantic token based on a preset speech synthesis decoder. And generating the voice spectrum characteristics into the voice signals to obtain the voice, so that the similarity between voice synthesis and real person voice can be improved, for example, for self-service voice service of insurance business or banking business, the voice is synthesized in the mode, and the synthesized voice and the real person voice can have relatively high similarity.

The invention relates to a banking business data processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: receiving a first interaction request of a banking business interaction system; wherein the banking business interaction system comprises any one of a paper and coin self-service exchange system, a money depositing and withdrawing integrated system, a foreign coin exchange system, a product receiving system and a self-service ticket buying system, and the first interaction request carries a business identifier; determining a target middle station according to the service identifier, and obtaining first target data from the target middle station to respond to the first interaction request; wherein the target middle station comprises any one of an order middle station, a user middle station and an inventory middle station; the target middle channel is determined based on a common business module extracted from the banking business interaction system. By adopting the method, the request response time can be shortened, and the request response efficiency 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.