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45 results about "Branch office" patented technology

A branch office is an outlet of a company or, more generally, an organization that – unlike a subsidiary – does not constitute a separate legal entity, while being physically separated from the organization's main office. Branching is particularly widespread in banking and other financial institutions, where the products' complexity requires local offices to act more like an agency than as a separate company. A branch structure exposes the owning company to full taxability and legal liability in regard to the branch office's operations.

Modularized knowledge graph and retrieval enhanced large model fusion interaction method and system oriented to financial branch mechanism

The invention discloses a financial branch mechanism-oriented modular knowledge graph and retrieval enhanced large model fusion interaction method and system. The method comprises the steps that a query vector of a target object is obtained, and the query vector comprises a problem vector used for expressing the query requirement of the target object and a post vector used for reflecting post information of the target object in a financial branch; determining a system module which can be accessed by the target object according to the post vector; determining a sub-graph region corresponding to the problem vector in the knowledge graph; and retrieving a document paragraph corresponding to the sub-graph region in a sub-index database corresponding to the system module, and inputting the document paragraph into the large model to generate a target answer corresponding to the query vector. According to the method and the device, the technical problem that a question-answering system adopted in the related technology is lack of identification of user post identities and cannot provide matched answers according to different post responsibilities and permissions of financial branches is solved.
Owner:BANK OF BEIJING

Network connected electronic lock system and methods of using the same

A network connected electronic lock system. The network connected electronic lock system includes a network connected electronic lock system management terminer (10), a network connected electronic lock system server (30), and a group of network interface module (50), a group of entrypads (60), and a group of lockbodies (70) are connected to the network (20) connected electronic lock system server (30) over a network (20). The network (20) connected electronic lock system is managed by a system manager over a network (20) connected electronic lock system management terminer (10) over the network (20) for one or more organizations. Each organization includes one or more branch offices (40). One or more network interface modules (50), one or more module (50), and one or more lockbodies (70) are installed in each branch office (40). Each entrypad (60) connects to the network (20) through the network interface module (50) and controls upto a predetermined number of lockbodies (70).
Owner:NANJING EASTHOUSE ELECTRIC CO LTD

Pre-appointment routing using an artificial intelligence assistant

PendingUS20260065232A1Customer relationshipBranch officeEngineering
Systems and techniques for pre-appointment routing may be used to categorize a branch appointment request. An example technique may include receiving a branch appointment request. The example technique may include using a trained machine learning model to classify the branch appointment request into one of at least two categories. The example technique may include, in accordance with a determination that the branch appointment request is classified in an online category, output a link to perform the associated action for display to a user interface. The example technique may include in accordance with a determination by the trained machine learning model the branch appointment request is classified in an in-person category, output an upload request for a document to the user interface, the document pertaining to the branch appointment request.
Owner:WELLS FARGO BANK NA

Chatbot development system with natural language processing

PCT designated stageWO2025198566A1Automatic exchangesTransmissionContact centerBranch office
The present invention relates to a system (1) for recording the audio of users (B) who request support through the contact center or branches of banks with their permission; processing the requests and performed transactions with natural language processing method; scanning whether the transaction has a response in the chatbot (A) tools of the bank with artificial intelligence; and starting automatic operation in order to add requests that are not in the chatbot (A).
Owner:TURKIYE GARANTI BANKASI ANONIM SIRKETI

Overlay network ingress edge region selection

This disclosure relates to enhanced overlay network-based transport of traffic to and from customer branch office locations, facilitated through the use of the Internet-based overlay routing. A method of selecting an ingress edge region of the overlay network begins by mapping a service hostname to an IKEv2 destination of an outer IPsec tunnel associated with a first overlay network edge. An IKEv2 session is established from the first overlay network edge to the customer router. Upon tunnel establishment, a secondary lookup is performed to determine whether the first overlay network edge is an appropriate ingress region. Based on a response to the secondary lookup, a IKEv2 redirect is issued to a second overlay network edge. A new tunnel is then established from the second overlay network edge to the customer router. Thereafter, an additional lookup may also be performed to determine whether the second overlay network edge remains an appropriate ingress region.
Owner:AKAMAI TECHNOLOGIES INC

Payment product recommendation method and device, electronic equipment and storage medium

The invention discloses a payment product recommendation method and device, electronic equipment and a storage medium, and the method comprises the steps: receiving a privacy desensitization data set which is transmitted by a branch mechanism and corresponds to a current payment product; performing user portraying on a to-be-recommended customer group corresponding to the current payment product based on the static feature data to obtain a user group portraying result; predicting a user operation behavior of the to-be-recommended customer group based on the dynamic feature data to obtain a behavior prediction result; and based on the user group portrait result and the behavior prediction result, recommending a matched target payment product to the to-be-recommended customer group. The problem that in the prior art, due to the fact that the user data collection dimension is single, the payment product recommended to the user is not accurate enough is solved, and the effect of recommending the more adaptive payment product to the user based on the multi-dimensional data is achieved by collecting the static feature data and the dynamic feature data corresponding to the to-be-recommended client base.
Owner:AGRICULTURAL BANK OF CHINA

Method, device and equipment for updating financial contract identification model and storage medium

Embodiments of the present application disclose a financial contract recognition model updating method and device, equipment and a storage medium. The method comprises receiving a contract sample of a financial scene that has been labeled, training an initial model for contract financial scene detection through the contract sample, obtaining a contract financial scene detection model, combining the contract financial scene detection model and a contract financial business recognition model to obtain a financial contract recognition model, sending the model to a head office and at least one branch office, receiving a financial scene detection result of an actual contract generated in the branch office, retraining the financial contract recognition model in the branch office if the number of classification errors in the detection result is greater than a first preset number threshold, updating the financial contract recognition model of the head office if the number of branch offices that are retrained exceeds a second preset number threshold, and synchronizing the update result to the at least one branch office. The method realizes accurate recognition of multiple versions of new financial contracts.
Owner:PING AN BANK CO LTD

A data processing method and device related to express delivery slip

ActiveCN115660788BBranch officeComputer engineering
This application provides a data processing method and apparatus related to express delivery waybills, applied in a server. The server receives a shopping order request sent by a client, wherein the shopping order request includes a user address; it configures the user address with a destination distribution center, destination branch office, destination branch clerk, and collection point corresponding to the user address; based on a pre-stored correspondence between destination branch clerks and segment codes, it assigns a corresponding destination branch clerk segment code to the destination branch clerk; based on a pre-stored correspondence between collection points and segment codes, it assigns a corresponding collection point segment code to the collection point; and it stores the destination branch clerk segment code and the collection point segment code so that the clerk can deliver the shopping order based on the destination branch clerk segment code and the collection point segment code. Using the above method, the problem of low sorting efficiency caused by clerks only being able to distinguish and deliver items based on the text address on the express delivery waybill is solved.
Owner:SHANGHAI SHENXUE SUPPLY CHAIN MANAGEMENT CO LTD

Employee branch compatibility measurement and matching system

PCT designated stageWO2026089688A1FinanceBanking industryBranch office
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.
Owner:TURKIYE GARANTI BANKASI ANONIM SIRKETI

Operation method and device of financial institution and storage medium

PendingCN121329673AFinanceBiological modelsBranch officeFeature data
The invention discloses an operation method and device of a financial institution and a storage medium. The method comprises the following steps: determining N branch network sites operated by a target financial institution; based on the multi-dimensional feature data of each branch network, adjusting model parameters of the cash flow prediction model of each branch network to obtain a first model of each branch network; generating a global model based on the parameters of the first model of the N branch mechanism network points; obtaining a target model of each branch network based on the global model and the first model of each branch network; according to the multi-dimensional feature data of each branch network point and the target model of each branch network point, the cash outflow volume of each branch network point is predicted; and determining an operation strategy of the target financial institution according to the cash outflow volume of each branch website. According to the invention, the problem of low operation efficiency of financial institutions in related technologies is solved.
Owner:INDUSTRIAL AND COMMERCIAL BANK OF CHINA

A message forwarding method, apparatus and related equipment

ActiveCN118433095BTransmissionTelecommunicationsBranch office
This application relates to the field of distributed network technology, and in particular to a packet forwarding method, apparatus, and related equipment. The method is applied to a first branch office; the method includes: receiving first interface quality parameters of the first Internet outgoing interfaces synchronized by each second branch office; and determining the target branch office and target Internet outgoing interface for forwarding packets of the target application based on the second interface quality parameters of the local second Internet outgoing interfaces, the quality parameters of each first interface, and a routing strategy and Internet outgoing interface quality requirements preset for the target application.
Owner:NEW H3C TECH CO LTD

A multi-branch enterprise digital base and data integration method and system

The present invention discloses a digital base for multi-branch enterprises and a data pulling method and system, which relate to the field of distributed ledger technology. Specifically disclosed is a digital base for multi-branch enterprises and a data pulling method, which adopts blockchain technology to build a decentralized data storage and transmission network of multiple branch nodes of an enterprise, integrates smart contracts in the blockchain network; uses asymmetric encryption algorithms to encrypt data end-to-end, and authenticates the data through digital signatures; designs the smart contracts according to business rules to automatically execute data exchange and business processes of each branch node; updates the data of each branch node of the blockchain network in real time through a data synchronization algorithm; conducts in-depth analysis of the updated data of each branch node, and optimizes the production cost of each branch node. The present invention realizes the real-time sharing, synchronization and analysis of data between branches, ensuring data authenticity, security and processing efficiency.
Owner:BEIJING LINGHUAFENG COMM TECH CO LTD

Map-based customer service method and device, electronic equipment and program product

The invention discloses a customer service method and device based on a map, electronic equipment and a program product, relates to the field of big data, and is applied to the field of financial science and technology, and the method comprises the steps: carrying out the data aggregation of multi-source heterogeneous data according to the business demands of a plurality of business scenes, and obtaining the business data of the plurality of business scenes; determining an association relationship between the business network and the enterprise according to the business data of the plurality of business scenes to obtain an enterprise data report; constructing an enterprise map by combining the enterprise data reports and the geographic information of the plurality of business scenes based on the geographic positions of the business outlets; and determining an enterprise portrait of the target enterprise according to a screening instruction triggered by the target object, so that the target object provides services for the target enterprise according to the enterprise portrait. Through application of the method and the device, the problem that the working efficiency of business personnel is relatively low due to the fact that the business personnel need to manually collect enterprise information and then further analyze enterprise portraits when providing services for enterprises around a certain network in related technologies is solved.
Owner:INDUSTRIAL AND COMMERCIAL BANK OF CHINA

Task data processing method, device and server

The application provides a task data processing method, device and server, which can be applied to the financial field. Based on the method, after obtaining the associated data of a merchant object, the server can preliminarily screen the merchant object meeting the requirements according to a preset screening rule, generate a corresponding business task, and store the business task in a task pool; obtain and determine candidate tasks corresponding to each business branch from the task pool according to the business configuration parameters of the business center, the business configuration parameters of each business branch, and the associated data of the business task; accurately determine the recommended task matched with the business personnel by processing the associated data of the business personnel and the associated data of the candidate task associated with the business personnel by using a preset task matching model, and generate a recommended task list; wherein the recommended task list contains the recommended task matched with the business personnel; and push the recommended task list corresponding to the business personnel to a terminal device for selection by the business personnel.
Owner:CHINA CONSTRUCTION BANK +1

Computer-based system for secure curbside banking

Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.
Owner:WELLS FARGO BANK NA

Tuning a machine learning model by spatially distributed datatypes and deploying the tuned machine learning model

InactiveUS20260004317A1FinanceMachine learningData classBranch office
A bank branch management system and related method that collects, integrates and analyzes bank branch data to increase the operation efficiency of a bank branch, where the management system employs an artificial intelligence (AI) model that is tuned in response to data received from various sources. The method includes collecting data from a plurality of sources related to the management of the bank branch, integrating and analyzing the data as it is being received over time using a machine learning model, and providing recommendations for improved bank branch operations based on the analyzed data using the machine learning model.
Owner:TRUIST BANK

Business support device, business support method, and business support program

PendingJP2025105049AFinanceTransaction dataBranch office
To provide a business support device or the like capable of reducing a business burden of a huge amount transaction in a financial institution.SOLUTION: A method acquires a prescribed number of digits from a slip division control master including an adjustment account title for adjusting disagreement between debit and credit and the prescribed number of digits for dividing a transaction value with a digit number, and acquires transaction data of a transaction amount larger than the prescribed number of digits with reference to the transaction data including the transaction amount. The method stores a maximum value of the prescribed number of digits as a division amount together with the transaction data in division transaction data, subtracts the maximum value from the acquired transaction amount, subtracts the maximum value from each subtraction result, performs repeating until the subtraction result is equal to or less than the maximum value, stores the maximum value as the division amount together with slip identification information, an account title, a transaction type and a store number in the division transaction data when the subtraction result is larger than the maximum value, and stores the subtraction result as the division amount together with the slip identification information, the account title, the transaction type and the store number in the division transaction data when the subtraction result is equal to or less than the maximum value to generate the division transaction data.SELECTED DRAWING: Figure 8
Owner:OBIC CO LTD

Conveying system

To provide a conveyance system which has a simple configuration, eliminates the need for circulation and re-conveyance, suppresses an increase in facility cost, reduces the number of persons to be arranged, and reliably performs branching operation at the time of stop and restart.SOLUTION: A conveying system comprising: a main conveying passage for conveying an object; at least one branch passage branching off from the main conveying passage; and a branching mechanism for selectively transferring the object from the main conveying passage to the branch passage, the branching mechanism includes a branching sensor that detects a conveyed item, a branching device that performs a branching operation, and a branching operation control unit that controls the branching operation, and the branching operation control unit has a stop complementing function of controlling the branching operation by complementing a coasting amount of the conveyed item from a stop command to a complete stop when the entire conveying operation of the main conveying path and the branching path is stopped, and restarting the branching operation according to the complemented coasting amount when the entire conveying operation is restarted.SELECTED DRAWING: Figure 4
Owner:TSUBAKIMOTO CHAIN CO

Branch asset approval method, device, equipment, medium and program product

PendingCN121329678AFinanceSemantic analysisData acquisitionBranch office
The invention provides a branch asset approval method which can be applied to the technical field of artificial intelligence or the field of financial science and technology, and particularly relates to application of a large model in the field of financial science and technology. The method comprises the following steps: carrying out online data acquisition on an online switch of a target branch mechanism by adopting a preset probe cluster capture algorithm to obtain online switch data; performing data preprocessing on the online switch data to obtain a basic table; performing semantic extraction on fields in the basic table through a pre-trained large model to obtain asset categories and account data corresponding to the asset categories; and performing data comparison processing on the account data and report data in a pre-obtained total asset report according to the asset category to obtain an approval result of the target branch mechanism. The invention further provides a branch asset approval device and equipment, a storage medium and a program product.
Owner:INDUSTRIAL AND COMMERCIAL BANK OF CHINA

Workflow model establishment and execution method supporting multiple tenants and related system

PendingCN121998395AInstrumentsSoftware engineeringBranch office
The invention belongs to the field of workflow model establishment, discloses a workflow model establishment method supporting multiple tenants and a related system, and realizes unified consideration of multi-tenant isolation and sharing of a workflow model. The tenants are identified through mechanism codes, different branch mechanisms can establish process models based on a unified workflow modeling framework, meanwhile, the independence and safety of the branch mechanisms are guaranteed, and mutual interference of process definitions is avoided. According to the method, the consistency and the expandability of cross-mechanism process management are improved. The unified modeling method ensures that the branch mechanisms are consistent in the aspects of flow logic, node configuration, key data generation and the like, so that centralized management and control and overall optimization of the headquarters are facilitated. Meanwhile, unique codes are generated for different tenants and stored, and it is guaranteed that quick recognition and tracking can still be achieved during system expansion. According to the invention, multiplexing and maintenance of the process model are simplified.
Owner:XIAN THERMAL POWER RES INST CO LTD

Remote video monitoring system, method and electronic device

This application provides a remote video supervision system, method, and electronic device, relating to the field of financial technology. Specifically: the head office device is configured to issue video supervision tasks to branch office devices. The branch office device is configured to collect monitoring videos from branch outlets. Upon receiving a video supervision task, the branch office device, based on the corresponding video supervision task requirements, applies an edge computing algorithm to extract and store corresponding monitoring video segments from the branch outlet's monitoring videos; it then organizes the monitoring video segments into a video file list and transmits it to the head office device. The head office device is also configured to, based on the video file list, retrieve corresponding target monitoring video segments from the branch office devices as needed; apply a large-scale visual understanding model to perform compliance identification based on multimodal semantic analysis on the target monitoring video segments, obtaining and outputting the corresponding compliance identification results. This application can improve the quality inspection efficiency and accuracy of the remote video supervision process.
Owner:MINSHENG BANKING CORP

A Network Resilience Evaluation Method Based on Data Fusion and Adaptive Weight Update

PendingCN122087680AHigh precisionReal-time update of coupling strengthBranch officeEngineering
This invention discloses a network resilience evaluation method based on data fusion and adaptive weight update in the field of data processing technology. The method includes acquiring headquarters-branch office data of industries in a target region, classifying the headquarters-branch office data, fusing the classified data at the city level, preprocessing the fused data to obtain preprocessed data, setting corresponding KPIs based on the headquarters-branch office data, calculating the KPI change rate based on historical and newly added headquarters-branch office data, and calculating the updated coupling strength between headquarters-branch office data based on the KPI change rate. This invention constructs a hierarchical, multi-source spatiotemporal data industry network model, and combines it with an adaptive association strength update method and a spatiotemporal hierarchical weight adjustment mechanism to achieve real-time updates of headquarters-branch office coupling strength and node / edge capacity, thereby improving the accuracy of industry network resilience assessment.
Owner:TONGJI UNIV

Edge gateway batch control system and method for disaster recovery backup switching

PendingCN121770984ATransmissionControl systemBranch office
The invention discloses an edge gateway batch control system and method for disaster recovery backup switching, and the system comprises a front-end interaction module, a rear-end scheduling / analysis module, a data storage module, an instruction control module, and task management middleware which are in bidirectional or unidirectional connection for cooperative operation. Equipment state collection, configuration verification, batch task scheduling, result verification and audit tracing can be achieved, the method comprises the steps of equipment information initialization, timed collection, configuration verification, task submission, batch execution, result feedback and task audit, a multi-thread architecture is adopted for batch tasks, execution results are automatically verified, historical records are reserved, and the task audit efficiency is improved. According to the method, the disaster recovery response efficiency and the equipment controllability are improved, and the high-availability network operation and maintenance and compliance auditing requirements of large-scale financial institution branches are met.
Owner:CHINA CONSTRUCTION BANK

BUILDING MANAGEMENT SYSTEM

Building management system comprising: a building monitoring system (10) located in a customer's building (1) to monitor equipment installed in the building (1); a branch office server (30) located at each branch office (3) of branch offices (3), each of which is arranged in zones formed by parts of an area, wherein the customer's buildings (1) are dispersed over a plurality of parts, with maintenance workers based at the branch offices (3) who visit the customer's buildings (1) located in the zone to perform maintenance work; portable terminal devices (4) with a global positioning system function, worn by the maintenance workers; and an information management server located in an information center (2), wherein the building management system is characterized bythat it has: a collection device for current location information to collect current location information indicating the current locations of maintenance workers based on communication with the portable terminals; a damage status information collection device to collect, in the event of an accident in each of the branch office servers (30), damage status information indicating the damage status of the equipment to be monitored by the building monitoring system (10) from the building monitoring system (10) located in the zone; a workforce information generation device to generate, for each zone, workforce information including the number of maintenance workers required for restoration work on damaged equipment of the buildings (1) by referring to the damage status information; an evacuation information generation device;to determine a branch office (3) as the evacuation location for each maintenance worker by referring to the current location information collected by the current location information collection device and to the necessary workforce information generated by the necessary workforce information generation device, and to generate evacuation information that indicates the designated evacuation location to each maintenance worker in the information management server, and an indication device to indicate the evacuation location to the maintenance workers by sending the evacuation information to the portable terminals (4) worn by the maintenance workers in the information management server.
Owner:MITSUBISHI ELECTRIC CORP

Conveyance system

The present invention provides a conveyance system which, with a simple configuration, eliminates the need for circulation and re-conveyance, suppresses an increase in equipment cost, reduces the number of personnel to be arranged, and reliably performs a branch operation when stopped / restarted. The conveyance system comprises: a main conveyance path for conveying a conveyance object; at least one branch path branching off from the main conveyance path; and a branch mechanism for selectively transferring the conveyance object from the main conveyance path to the branch path. The branch mechanism has a branch sensor for detecting the conveyance object, a branch device for performing the branch operation, and a branch operation control unit for controlling the branch operation. The branch operation control unit has a stop complement function that, when the entire conveyance operation of the main conveyance path and the branch path is stopped, complements the coasting amount of the conveyance object from the time of a stop command to the time of complete stop, thereby controlling the branch operation, and, when restarting the entire conveyance operation, restarts the branch operation according to the complemented coasting amount.
Owner:TSUBAKIMOTO CHAIN CO

A modular knowledge graph and retrieval-enhanced large model fusion and interaction method and system for financial branches

This application discloses a modular knowledge graph and retrieval-enhanced large-scale model fusion and interaction method and system for financial branches. The method includes: obtaining a query vector for a target object, wherein the query vector includes a question vector expressing the target object's query needs and a job vector reflecting the target object's job information within the financial branch; determining the policy modules accessible to the target object based on the job vector; identifying the subgraph region corresponding to the question vector in the knowledge graph; retrieving the document paragraph corresponding to the subgraph region from the sub-index library corresponding to the policy module; and inputting the document paragraph into the large-scale model to generate the target answer corresponding to the query vector. This application solves the technical problem of related question-answering systems lacking recognition of user job identities and failing to provide matching answers based on different job responsibilities and permissions within financial branches.
Owner:BANK OF BEIJING

Dynamic upgrade engine

ActiveUS20250335951A1FinanceCommerceEnd systemBranch office
A system architecture for offering an upgraded deposit interest rate to certain clients using a method which is easy for the financial institution to implement and convenient for the clients to accept. A deposit rate promotion system is built in a configurable programming environment. The deposit rate promotion system serves as a hub between other existing bank systems—including back-end systems which control client and account information, and client-facing systems in the form of digital banking systems and employee-operated branch office systems. A bank employee implements a new deposit rate promotional campaign in the system by defining criteria for eligible clients and other parameters. Eligible clients need only perform the qualifying action, such as opening a new account of the prescribed type, in order to receive the promotional deposit rate. The system architecture includes adapters and interfaces required for both real-time and batch data transfer between all affected bank systems.
Owner:TRUIST BANK

Deposit management device, deposit management method, and computer-readable recording medium

PendingJP2026005461APayment architectureInvoiceBranch office
To provide a deposit management device, a deposit management method, and a deposit management program capable of receiving an excessive deposit as a temporary deposit to each billing destination when bills to a plurality of branches are collectively received from the other head office and the excessive deposit occurs.SOLUTION: A deposit management device according to the present embodiment includes a control unit, and manages a transaction in which a bill to a plurality of branches is collectively deposited from a head office, the deposit management device including a deposit transfer unit that can access deposit data, a bill destination master, and collection schedule data, and that refers to the bill destination master and the collection schedule data after the deposit data is updated by a deposit, extracts a transfer bill destination of the deposit after the deposit data is updated by the deposit, and accepts the transfer bill as a temporary receipt for each bill destination in a case where overpayment occurs.SELECTED DRAWING: Figure 1
Owner:OBIC CO LTD

An information synchronization updating method and device, equipment and storage medium

ActiveCN116737739BData fileBranch office
The application discloses an information synchronization updating method and device, equipment and a storage medium, which can be applied to the fields of big data or finance. The method is applied to a server, generates unitized texts based on the association relationship between a head office and branch offices and head office updating information, the unitized texts including all branch office updating information, merges the unitized texts to obtain a data file, processes the data file line by line to obtain target branch office updating information, determines a target distributed database according to the target branch office updating information, and performs information synchronization updating on the target distributed database based on the target branch office updating information. The data file containing all branch office updating information is processed line by line to obtain the target branch office updating information, the database where the branch office is located is located based on the target branch office updating information, and the information synchronization updating is performed, so that the operation of the information synchronization updating is simple and fast, and the efficiency of the information synchronization updating can be improved.
Owner:BANK OF CHINA