304 results about "Banking industry" patented technology

Methods and systems for using blockchain digital currency are provided herein. The methods and systems comprise a blockchain digital currency that is created and utilized on a permission-based network of financial institutions. The blockchain digital currency is created by a central authority and minted into circulation by banks within the network, and is backed by reserves of real world currency of any country. The digital currency can be used for any type of financial transaction, and the system provides security, trust, traceability and a detailed audit trail for all transactions.

The invention discloses a real-time recommendation system and method of financial products of banks based on Naive Bayesian classification wherein the method comprises: acquiring the data of a bank business system, a peripheral system, and an internet/mobile internet; processing and storing the data in a basic database; conducting characteristic processing to the data attributes of the customers in a certain area; converting for data characteristics to develop a characteristic database; classifying the data in the characteristic database as a training data set and a verification data set which are used respectively for the training and estimating of a Naive Bayesian classification algorithm model; obtaining a model base after several times of iteration; identifying the characteristics of customers and in combination with the Naive Bayesian classification algorithm model base, matching the customers with the financial products they are mostly likely to purchase in real time; and recommending to the customers the financial products that are forecasted and matched by the models. The recommendation system and method of the invention are capable of helping customers to find out suitable products, therefore, increasing the user experience and the bonding effect of the customers to the financial products, lifting up the transferring rate of the products and making the bank more competitive.

In an exchange of data between a client terminal (1) and a secure database server (2) the data is encoded using positional information generated by a combination generator (7) in a separate security server (3). The positional information is used to produce an image specific to a communication event which is accessed by the client terminal (1) and is the basis for the entry of sensitive data at the client terminal (1). The three-way communication link between the client terminal, database server and security server greatly increases the difficulty of successfully intercepting and decoding the data entered at the client terminal. This method of secure data communication is particularly suited to the communication of password data for example in the banking industry.

The invention relates to a key management system and a key management method for bank terminal security equipment. The system comprises a bank service terminal and a bank service background; the bank service terminal comprises the bank terminal security equipment and a key management agent component; and the bank service background comprises a KMC, a key database, an encoder and a service application system server, wherein the key management agent component is used for acquiring a working key from the KMC and writing the working key into the bank terminal security equipment; and the KMC provides registration service, key transmitting service and automatic key update service for the bank terminal security equipment. The key management system and the key management method for the bank terminal security equipment can effectively realize key management of the bank terminal security equipment, and separate the key management from a bank service application system at the same time so that each service application system does not need to implement complex key management logics any more and the implementing complexity of the service application system is reduced.

A method for interactively collaborating across several related but independent online social networking communities. Members of each networking communities share a common background or profession, such as being part of the medical, legal or banking industries. Each member has a profile associated with his or her networking community, by which they can interact with other members of the networking community to share contacts, documents, or other productivity functionalities. Members can also interact across networking communities via their networking profile. For example, a doctor who can use his profile from the medical networking community to interact with a lawyer who has a profile on the legal networking community. By promoting cross-community interaction, each group is able to increase their ability to communicate or share ideas and work product via the plurality of networking communities.

The invention provides a method and a device for encapsulating an extjs component, and a method and a system for generating a user interface. The method for encapsulating the extjs component comprises the following steps of: determining a name and a functional parameter of the extjs component; and according to a tag library descriptor generating rule, generating a jsp (java server pages) tag of the extjs component with the functional parameter so as to encapsulate the extjs component, wherein the name of the jsp tag corresponds to the name of the extjs component. In the embodiment of the invention, the complex extjs component is encapsulated to be the simple and easy-to-use jsp tag by generating the jsp tag corresponding to the extjs component; and a complex page logic code is encapsulated, so that the code can be reused simply. The invention is convenient to use and easy to understand, meets complex and changeful interface display requirements of application systems such as banking industry and the like, saves development time, reduces development difficulty and completely supports the front-end development of information systems.

The invention relates to the field of bank business processing and provides a counter information processing method and terminal and a business handling system. The counter information processing method includes the steps that business handling information to be confirmed by a client is acquired and displayed; after the client confirms the business handling information and signs, a signature track of the client is encrypted; a signature picture, the encrypted signature track and the business handling information are synthesized into a client information signature file; the client information signature file is sent to a bank teller side. It can be achieved that business application and processing results are synchronously displayed to the client, the client is guided to participate in business processing through voice and characters, the business handling result is confirmed through an electronic handwritten signature, the terminal is used for completing U shield handover, transparency and electronization of the whole business handling process are achieved, therefore, the client service experience is improved, the counter processing efficiency is improved, the product marketing effect is promoted, the bank operating cost is reduced, operating risk prevention and control are enhanced, counter hardware facilities are integrated, and branch operating environments are beautified.

The invention discloses an inter-bank customer information exchange system based on a block chain. The system comprises the following functional modules: a client information input module, which enables a client to input information data and then forward the information data to a random node by a proxy bank and then uplinks the data to ensure that other banks cannot identify actual business proxybanks; an client information access application module which is used for initiating an information access application announcement after an information applicant bank searches a target client; a client information access authorization module which is used for obtaining a client authorization file and completing authorization confirmation after the client authorization file is verified by an information owner bank; and a client information transmission module which is used for authorizing confirmation information to trigger an intelligent contract to start an information transmission process and automatically transmitting client data through an off-chain network. The invention provides a solution for protecting data privacy among banks and simultaneously carrying out specific data sharing,the bank industry customer information quality is integrally improved by utilizing a block chain technology, and a system for acquiring other bank data at low cost and improving the KYC working efficiency is realized.

The present invention sets forth a method for content responding, a method for content requesting, a content responder and a content requester. A content responder receives a first request from a content requester via a network. Then, the content responder generates a first content based on the first request. Then the content responder receives a second request from the content requester via the network. Then, the content responder generates a second content based on the second request. Next, the content responder compares the second content with the first content. After that, the content responder transmits a second response with regard to the second request to the content requester via the network. The second response is generated based on the result of comparison. According to the invention, if there is a very small difference between the first content and the second content, network bandwidth can be saved, the transmitting time of content will be reduced, and thus the waiting time of the user to view content will be reduced. The present invention is particular beneficial to the existing industries (for example, the banking industry) that adopt narrow band network widely.

The invention provides a signature card cabinet and a work method thereof. A vertical fixing shaft is arranged, a rotary wheel disc is arranged on the fixing shaft to drive the fixing shaft to rotate,a plurality of round bearing plates horizontally fixed to the fixing shaft through a center are arranged, a circle of radial guide rails are evenly distributed on each bearing plate in the circumferential direction, the guide rails are in sliding fit with drawer boxes, and signature cards are arranged in the drawer boxes. The signature card cabinet is provided with an RFID radio-frequency antennaused for receiving RFID electronic tag information of signature cards, and the RFID radio-frequency antenna faces the movement path of the drawer boxes rotating along with a rotary assembly. The signature card cabinet can be used for automatically checking the signature cards and monitoring the flow conditions of the signature cards in real time, accordingly time for searching the reserved signature cards is greatly saved in the banking industry, the working efficiency is improved, and good economic and social significances are achieved.

The invention discloses a method and system for rapidly generating banking service application. The system is formed by an internet information query server, an input module, a format form and a printing module. The internet information query server is used for inquiring information needed by banking services, such as geographic information and longitude and latitude inforemation from the Internet; the input module is formed by an input form, an identification card reader, a geographic information query server, a unit information server, a school information server, a certificate OCR server, a post code server, a pinyin server, a service information server and a historical data server. The system utilizes various query servers to realize rapid bank service filling, so that various banking service applications can be printed after one second when an identification card of an old client is read with a " di " sound and after ten seconds when an identification card of a new client is read with a " di " sound. The system can overcome the problems that currently, filling the banking service application is complex, the banking service application filling cannot be electronized and self-helped.

The invention discloses a method and system for making an appointment and handling banking business through a mobile phone. The system comprises a mobile phone bank client side (101), a banking business processing server (102), a banking business application form processing server (103) and a banking outlet number queuing system (104). Electronic banking business application forms can be rapidly generated, and various electronic banking business application forms can be generated within one second for a regular customer and within ten seconds for a new customer. The mobile phone is used for obtaining a queuing number in real time between a mobile phone bank and an outlet number queuing machine, and the defects that the customer waits too long and uncertainly in an outlet are overcome. The customers can use the mobile phone bank to obtain the queuing number beyond the network site, accurately inquire the waiting condition and select an idle time section to go to the bank outlet to handle the banking business according to the condition, zero waiting is achieved, the system is convenient to use for the customer, besides, working efficiency of banks is improved, and social resources are greatly saved.

According to the method and the system, bank business flow is changed from the characteristic of taking employees as the center to the characteristic of taking computers and big data as the center. Computers and big data technology are utilized to help to generate bank business application, client operation lists and bank employee operation lists, a manual handling part and a computer handling part in bank business are analyzed and processed separately, and thus the business processing efficiency is improved by 20 times. Bank employees concentrate to confirm client demands, and other business are processed by computers. A visual tracking technology is utilized for guiding clients to use self-service equipment with same guiding effect of an employee, and thus the utilization rate of the self-service equipment is substantially improved. Based on a same seven-employee location, the daily reception capability is improved from 200 person times to 5000 person times by utilizing the method and the system, so that a two-employee location and a three-employee location can be realized, which are cannot be realized by a conventional location with the characteristic of taking employees as the center; and the normal daily business processing capability of the three-employee location can reach 200 deals, and is far more than that of a conventional seven-employee location.

The invention provides a method for correlating (binding) a second-generation resident identity card of the PRC of China (hereinafter referred to as a 2G ID card) and a bank card of the ID card holder for consumption payment and banking operation with the ID card. A bank client bearing the 2G ID card can sign a contract on correlating (binding) the 2G ID card and the effective bank card for consumption payment and banking operation with the commercial bank issuing the bank card and correlates (binds) the unique information (an ID card number, a card serial number, etc.) on the 2G ID card to one (or more) bank card under the name so that through a POS machine, an ATM machine, the client end of an internet bank and a special collating (binding) management platform, the bank client having signed a correlating (binding) contract only needs to carry the 2G ID card to substitute the correlated (bond) bank card for consumption payment, banking operation, etc. Therefore, the method eliminates the possibility that the magnetic strip information of the banking card can be read out or a card can be forged by duplication, guarantees the capital safety of the card holder and, besides, avoids the inconvenience caused by false demagnetization of carried bank cards.

The invention discloses a method for processing automotive financial bank businesses, comprising the following steps: a. a bank side receives a business request message sent by a client side; b. the bank side processes the business according to the received business request message to generate business response message; and c. the bank side returns the business response message to the client side. Accordingly, the invention also discloses a system for processing automotive financial bank businesses. By implementing the invention, an automotive financial corporation service system platform sends the business request to the bank system for business process in a form of message, so that the automotive financial corporation service system platform is accessed to the bank side, thus the business processing efficiency is effectively improved, the manual cost is reduced, and the business data information is safer and more reliable, thereby being beneficial to the development of the automotive financial corporations.

The invention discloses a bank service authorization judgment method and system. The method comprises the steps of obtaining client identity authentication information corresponding to a client who handles a target bank service; Obtaining service content information generated by a client who handles the target bank service; Generating a bank service authorization judgment request according to theclient identity authentication information and the service content information; And according to a preset bank service authorization judgment rule, the bank service authorization judgment request is approved, and a bank service authorization judgment result is obtained. Due to the fact that the bank service authorization judgment request can be automatically approved according to the preset bank service authorization judgment rule, manual participation is not needed in the authorization approval process, and the accuracy of the bank service authorization judgment result is improved.

The invention provides a method and a system for automatically guiding customers to banking outlets with a smaller number of services. The method comprises the following steps: a banking service application form processing server can quickly generate an electronic banking service application form and accurately calculate the waiting time of a customer, wherein an electronic banking service application form can be generated one second after the identity card of an old customer is sensed or 10 seconds after the identity card of a new customer is sensed; and a mobile phone banking client locates the position thereof, acquires idle time periods of banking outlets in a predefined range from the banking service application form processing server, queries geographic location traffic information from a geographic traffic information query server, carrying out calculation to obtain an outlet capable of handling a service in the shortest time among the nearest banking outlet and the banking outlet which is idle in the shortest time, gives out 10 options for service handling time of different banking outlets, and generates a queue number, gives out navigation guide and guides a customer to the parking lot of a banking outlet after the customer selects the banking outlet.

The invention relates to a system and a method for air depositing and withdrawing in the air of a bank. The system for air depositing and withdrawing of the bank comprises a mobile terminal, a communication operator website operating terminal, a business access platform and a banking business platform, and further comprises a center business platform. The center business platform comprises a logical processing service module, a short message service module, a data processing service module, a statistics service module, a log service module and an external interface service module. The logical processing service module comprises a website registering module, a card holder registering module, a withdrawing transaction processing module, a deposit transaction module, a website logout module and a card holder logout module. The system and the method for air depositing and withdrawing of the bank logically connects the banking business platform with the communication operator website operating terminal, logically connects the business access platform with the banking business platform, carries out physical isolation on the banking business platform and the business access platform, solves the connecting and communication problem between heterogeneous systems, solves the safety problem after different business systems are connected, and solves the problems such as data security, account security and payment security of an integrated business system formed by different business systems.

A comprehensive method for improving working efficiency of a bank by a computer includes a simplified searching method for searching a sequence number mark, a universal official printing programming method programmed without using programming languages and the wide application of the combination of the two methods in bank business. The two methods combined to be applied can realize integral bank business flow; the business flow and the account checking are simple, convenient, effective, and easy to operate with low risk; the working intensity is reduced, and the account money quality and the capital security are ensured; the working efficiency and the service level are improved and the market competition is enhanced by sharing data and avoiding the business data from being repeatedly recorded. The applications of the comprehensive method of the invention can cover the hand businesses of most fussy machines that can not be operated by machine currently.