84 results about "Banking industry" patented technology

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 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.

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 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 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 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 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.

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.

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.

1. The name of the design product: electronic device transaction information display graphical user interface. 2. The use of the design product: an electronic device. 3. The design points of the design product: in the graphical user interface. 4. The picture or photo that best indicates the design points: design 1 front view. 5. Design 1 is designated as the basic design. 6. The use of the graphical user interface: for displaying transaction information. 7. The human-computer interaction mode of the graphical user interface: design 1 front view is a transaction information interface, including multiple information blocks, clicking the details button in the business analysis block on the left side switches to design 1 change state diagram, displaying the detail information of bank business type analysis; design 2 front view is a transaction information interface, including multiple information blocks, clicking the details button in the business scene analysis block on the lower right side switches to design 2 change state diagram, displaying the detail information of bank transaction scene analysis.

The application discloses a kind of banking data processing method, system, terminal equipment and readable storage medium, it is related to banking data processing field, the banking data processing method of the present application includes: by uniform syntax specification, generate the database modeling requirement information of multiple different databases;According to the database modeling requirement information of each database, and in combination with uniform logic modeling structure, establish banking professional knowledge base;Acquire the banking data to be processed, by banking professional knowledge base, the data logic model corresponding to banking data is translated into the data physical model corresponding to banking data;According to data physical model, generate the modeling statement adapted to each database;Modeling statement is input to the database environment corresponding to each database and is executed, obtains the result of analyzing and processing banking data.Processing analysis efficiency of banking data can be improved and cost is reduced by using the present application.

The invention discloses an intelligent security processing method and system for banking business data, and relates to the field of security processing methods, and the system comprises a data acquisition module, a feature analysis module, an imbalance mode analysis module, a first adjustment module, a second adjustment module and a parameter optimization module. The method comprises the following steps: obtaining original differential privacy budget distribution parameters of a target privacy computing environment, carrying out analysis and feature analysis on historical query utility evaluation data and real-time privacy attack monitoring data, and analyzing whether a security utility imbalance mode exists or not; generating a first budget adjustment coefficient for the query sensitivity characteristic value curve and the utility attenuation characteristic value curve by adopting a dynamic correlation analysis method, generating a second budget adjustment coefficient based on real-time privacy attack monitoring data by adopting a multi-layer perception risk assessment model, and performing optimization adjustment on original differential privacy budget distribution parameters to obtain the privacy attack monitoring data. The optimized differential privacy budget distribution parameters are obtained, and the security control requirements of banking businesses are met.

The embodiment of the invention provides an automatic account opening approval method based on banking business, electronic equipment, a storage medium and a program product. The method comprises the steps that an account opening application triggered by an application user is responded, identity information carried by the account opening application is sent to a verification terminal for verification, and the verification terminal is used for verifying whether the identity information is abnormal information or not; under the condition that the identity information passes identity verification, generating an account opening notification of the application user based on the identity information; under the condition that first confirmation information fed back by the application user based on the account opening notification is obtained, it is determined that the account opening application of the application user passes approval, an electronic certificate is generated based on an approval result, and the first confirmation information at least carries biological information and / or handwriting information representing the identity of the application user. The method is used for achieving the effect of quickly completing automatic examination and approval of the account opening application under the condition of ensuring user information security.

The invention relates to the technical field of data processing, and discloses a question and answer processing method and device, and the method comprises the steps: obtaining question information of a user; according to the question information, target knowledge entries are determined from a preset knowledge base through multi-stage screening, and the knowledge base is constructed based on text data and non-text data; and inputting the target knowledge entry and the question information into a preset intelligent question and answer model to generate answer information of the question information. According to the method and the device, the candidate texts with relatively high answering capability can be screened out from the preset knowledge base through a multi-stage knowledge entry screening mechanism, so that a user can obtain accurate answers covering business key points, efficient information retrieval and automatic answering of various business problems are realized, the generation efficiency and accuracy of the answering information are improved, and the user experience is improved. And more complete and efficient automatic services are provided for scenes such as bank business questions and answers.

The present invention relates to a system (1) for recommending the best appointments in the banking sector based on branch needs, customer profiles in branches and personnel competencies by using data analytics and artificial intelligence techniques.

The invention discloses a resource allocation method and device based on banking business, and electronic equipment. The method comprises the following steps: firstly, determining to-be-allocated resources of business targets corresponding to all dimension lines based on target total resources; each dimension line is determined according to a preset organization structure and business logic of the target mechanism; the business target at least comprises a profit degree and a risk degree corresponding to each business; secondly, for each dimension line, configuring a corresponding resource budgeting model according to the line type of the dimension line and the to-be-allocated resource of the business target corresponding to the dimension line; adjusting the to-be-allocated resources of the business target corresponding to each dimension line based on comparison of the to-be-allocated resources of the business target corresponding to each dimension line and the corresponding income result; and finally, performing resource allocation on each dimension line according to the adjusted to-be-allocated resources. The problem of unbalanced resource allocation among different services in the prior art is solved.

The invention provides a method and a device for determining a non-functional admission check conclusion of a banking business system. The method comprises the following steps: acquiring sub-activity information and a sub-activity state of non-functional admission check; repeatedly executing the following steps until all the sub-activity states of the non-function admission check are disabled: executing each sub-activity based on the sub-activity information according to the sub-activity states of the non-function admission check to obtain a non-function admission check result; determining a non-function access check conclusion according to the non-function access check result; detecting a non-function admission check result, and when the non-function admission check result of any sub-activity in the enabled state is updated, obtaining the corresponding sub-activity information again; through sub-activity configuration and inspection result judgment, automatic determination of a non-function admission conclusion is realized, the method is adapted to a multi-version centralized production scene, the conclusion judgment efficiency and accuracy are improved, and technical support is provided for quality improvement and efficiency improvement of a production process.

The invention relates to the technical field of data processing, and discloses a batch task processing method and device, and the method comprises the steps: obtaining first resource utilization condition data of an online transaction in a banking business system; extracting time sequence characteristics of the first resource utilization condition data; analyzing the time sequence characteristics by using a recurrent neural network, predicting a resource utilization condition of the online transaction in a future preset time, and obtaining second resource utilization condition data; determining an executable target batch task according to the executable scheduling parameter of the batch task in the banking business system and the second resource utilization condition data of the online transaction; and scheduling the target batch task. According to the invention, the batch tasks can be prevented from preempting system resources of online transactions, the customer experience is improved, and the system robustness of a banking business system is improved.

The invention discloses a bank active collaborative office method based on a large model Agent, and the method comprises the steps: S1, collecting a role-task-tool-data tetrad, and building a domain knowledge base; s2, performing fine tuning by adopting LoRA or QLoRA to obtain a bank field large model; step S3, plug-in RAG + dual Memory is carried out, and an Agent framework is assembled; s4, declaratively registering the tool to a tool warehouse, and obtaining Schema and an authority label; s5, monitoring an external event, and matching a subscription rule to arouse an Agent agent; s6, the intention is distributed to a ReAct template, and a'tool name-input parameter-expected output 'sequence is generated; s7, arranging engine sequence adjustment, permission verification and desensitization, and breakpoint continuous running; and step S8, summarizing and generating deliverable objects, confirming the deliverable objects to the user, and writing a confirmation result into the long-term Memory. A complete closed loop from natural language input to cross-system task automatic execution is realized, and the office efficiency and experience of banking business personnel are improved.

The application provides an intelligent management method and system for bank seal cards, and relates to the field of article management.The method comprises the following steps: performing use homochromatic analysis on historical use data of seal cards of multiple enterprises, and generating use homochromatic analysis results; determining a regional storage scheme of the seal cards of the multiple enterprises based on the use homochromatic analysis results, and allocating an RFID tag to the seal cards of each enterprise; after storing the seal cards of the multiple enterprises into a seal card cabinet based on the regional storage scheme of the seal cards of the multiple enterprises, determining a storage position of the seal cards of an enterprise based on the RFID tag and an RFID positioning component of the seal card cabinet; determining an optimal inventory path based on use data and the storage position of the seal cards of the multiple enterprises in a current period; and controlling an RFID reader-writer to perform inventory of the seal cards of the multiple enterprises according to the optimal inventory path, and generating an automatic inventory result, so that the management level of the seal cards is improved, and the efficient and safe operation of bank business is ensured.

The present disclosure provides a non-normal bank account identification method, system, electronic device and computer readable storage medium to solve the problem that only bank transaction data cannot well identify non-normal bank cards. The method comprises: acquiring network signaling data on the operator side and bank business behavior data including whether the user violates the rules; matching the network signaling data and the business behavior data according to the user identity information, extracting relevant information in the data of the two parties for data comparison and merging into a training sample data set for the user whose matching is successful; constructing a neural network model, and training the model based on a federated learning algorithm through the training sample data set to obtain an account identification model; identifying non-normal bank accounts based on the account identification model for the user business behavior data to be identified, and determining the rule violation account. The technical scheme of the present disclosure can improve the accuracy and efficiency of non-normal bank account identification, and can ensure user privacy and data security.

The invention provides a bank business demand book generation method and device, equipment, a medium and a product, and relates to the field of artificial intelligence. The method comprises the following steps: acquiring a business demand and a corresponding business demand book template; generating a demand book first draft based on the business demand book template and the business demand; extracting a demand compliance keyword according to the demand book first draft, and determining business compliance knowledge based on the demand compliance keyword and a keyword knowledge base; wherein the keyword knowledge base comprises a plurality of keywords and an association relationship between each keyword and the business requirement document; and according to the business compliance knowledge, detecting whether the first manuscript of the demand book is compliant, and under the condition that the first manuscript of the demand book is compliant, generating a business demand book. According to the scheme, the first manuscript of the demand book is generated by matching the corresponding business template according to the business demand, the industry compliance knowledge is determined based on the keyword knowledge base, the compliance of the first manuscript of the demand book is detected, and the generation efficiency and quality of the business demand book are greatly improved.

1. Name of the product in this design: General-purpose human-computer interaction robot. 2. Application of this design: This product is mainly used in human-computer interaction scenarios and can be applied to multiple fields such as social security inquiry and banking business processing to realize functions such as information inquiry and business processing. 3. The key design feature of this product is its shape. 4. The image or photograph that best illustrates the design's key points: 3D view 1.