64 results about "Counterparty" patented technology

The present invention discloses a blockchain-integrated financial reputation scoring system designed to assess financial credibility within decentralized ecosystems. The system generates a dynamic accountability score based on blockchain transactions, including escrow payments, invoice completions, smart contract interactions, DeFi transactions, NFT trading, and cross-chain financial activities. A risk-adaptive score weighting system dynamically adjusts the impact of financial behaviors based on transaction risk, counterparty trustworthiness, and historical financial patterns. The score is leveraged for tiered access to financial products, lending, and collateral adjustments. AI-enhanced anomaly detection prevents fraudulent score inflation, while privacy-preserving verification ensures secure reputation authentication. The system further extends into insurance underwriting, compliance verification (AML / KYC), and financial access expansion, allowing traditional institutions to assess blockchain-based creditworthiness. Quantum-resistant cryptographic techniques secure reputation data, ensuring trust and adaptability in both decentralized and traditional financial ecosystems.

The invention relates to the technical field of financial transactions, in particular to a financial transaction real-time anti-fraud monitoring system which comprises a data processing module, a graph construction module, a graph traversal module, a risk estimation module, a risk level determination module and a transaction management and control module. Performing feature quantization on the historical transaction sequence to obtain an intermediate state feature vector; taking the transaction subject identifier and the transaction counterparty information as nodes, taking the transaction behavior as an edge, and constructing a transaction association graph; on the basis of a preset fraud mode rule set, performing graph traversal on the transaction association graph, and identifying abnormal transaction sub-graphs; generating a comprehensive risk index according to the deviation degree of the abnormal transaction sub-graph and the intermediate state feature vector; performing grade judgment on the abnormal transaction sub-graph to obtain a risk disposal grade, and managing and controlling a corresponding transaction behavior of the transaction platform; according to the invention, the real-time performance of real-time anti-fraud monitoring of financial transactions can be improved.

Methods, systems, and techniques for automatically assessing credit risk of a counterparty are disclosed. A credit risk assessment method comprises: quantifying a relevance of news topics to one or more credit risk keywords; determining one or more relevant news topics that are relevant to the one or more credit risk keywords; obtaining a plurality of news articles each tagged with one or more news topics and having an associated sentiment; determining a relevant news article as a news article tagged with the one or more relevant news topics; and assessing a credit risk of a counterparty based at least in part on the sentiment of the relevant news article.

The invention provides a bank financial transaction real-time risk assessment method based on machine learning, and relates to the technical field of risk control, which can effectively identify fast-in and fast-out fund abnormal flow by analyzing a time interval coefficient and fund retention duration between payment path nodes, and can effectively identify the fund abnormal flow by calculating a fund circulation path and account activation degree. The method can accurately identify the fund exchange relation among multiple accounts, and discovers the sleeve behavior of fund dispersed transfer. Therefore, in a bank cross-border transaction scene, the transaction fraud that the transaction time-space characteristics and the transaction opponent behavior characteristics cannot be associated and analyzed in real time, so that fund fast-in and fast-out by using multiple cross-border accounts is difficult to identify in time can be reduced.

The invention relates to the technical field of financial data analysis, in particular to a question and answer type fund transaction data analysis method and system, and the method comprises the steps: receiving a natural language query of a user, recognizing an intention through a natural language processing technology, and extracting key entity parameters (such as amount, time and a transaction opponent); maintaining a multi-round dialogue state, and converting intentions and parameters into structured query; calling a multi-dimensional analysis model according to the structured query parameters, performing multi-dimensional analysis on the fund transaction data, and generating a visual result; and based on the dialogue state and the intelligent decision strategy, the visualization result is returned to the user through a multi-round interaction mechanism. According to the technical scheme, the bottleneck of terminology analysis and complex dimension analysis in the financial field is overcome, normal form upgrading from passive query to active analysis is achieved, and an efficient and accurate end-to-end solution is provided.

The invention relates to the technical field of financial risk management, and discloses a risk control method and system for identifying a transition financial business greening risk, and the method comprises the steps: deconstructing an enterprise commitment into an expected economic behavior vector through a transition knowledge graph, capturing an actual economic behavior data flow, and carrying out the logic consistency matching; according to the method, environmental benefit verification is converted into economic behavior logic chain review, so that a financial institution can avoid high-cost environmental auditing to return to business essence judgment, and meanwhile, bogus transactions are effectively identified through business activeness analysis of a transaction counterparty; and the risk identification capability of the transformed financial business is obviously improved.

Apparatus, systems and methods improve efficiency in transacting a swap or other futures based financial instrument, by using time-weighted index averages to decrease counterparty settlement risk. In preferred embodiments related to Bitcoin and several other cryptocurrencies, the swaps are based upon a time-weighted index average (Dwa) of multiple instances of difficulty (Dx to Dy) of mining the cryptocurrency over multiple time periods (Px to Py) where both Ds and Ps are available from the decentralized public blockchain. Traders can use these time-weighted index averages in conjunction with the anticipated values of Ds and Ps for the remainder of the duration of the index, to calculate the index value at any given time.

To simplify management of money reception and payment which becomes complicated due to increase in the number of companies participating in a cooperative association in a case where a "sales company" called a main organizer organizes management of sales commissions.SOLUTION: In a cooperative association formed of a first business association consisting of a plurality of business owners and a second business association consisting of a plurality of sales companies, accounting processing for an own company that is one of the sales companies included in the second business association is performed. Specifically, in accordance with the equity ratios of the respective business owners and the sales companies in the cooperative association, a remuneration or expense for each counterpart corresponding to receipt and payment of a sales commission is automatically calculated and recorded. In addition, an equity of another company generated at the reception / payment time is managed as a deposit for each counterpart, and is automatically offset according to money reception / payment. Furthermore, a business owner as a billing destination and a sales company as a payment destination are the same, the amount billed and the amount to pay are offset, and the difference is settled. Accordingly, even if the number of companies participating in the cooperative association increases, management of money reception and payment is simplified.SELECTED DRAWING: Figure 2

The invention provides an intelligent contract management method, and the method comprises the steps: receiving a contract drafting instruction, and generating an initial contract according to a contract type indicated by the contract drafting instruction, a contract template in a template library of a data center, and terms in a term library; modifying the initial contract according to the negotiation modification information to obtain an intermediate contract; reviewing the intermediate contract according to a relative party database and a performance rule base of the data center and a reviewing model in the intelligent processing center to obtain a reviewing result, and correcting the intermediate contract according to the reviewing result to obtain a target contract; performing approval processing and signing processing on the target contract to obtain a signed target contract; and determining a performance task and archiving information in the target contract, monitoring the target contract according to the performance task, and storing the archiving information to the data center. And intelligent management of contracts is realized.

The present application provides an electronic contract signing method, system, terminal device and readable storage medium. The method includes: receiving a first target personal private key selected by a first user, where the first user is a member of a first enterprise; signing the original contract according to the first target personal private key to obtain a first stamped contract, where the first stamped contract includes the original contract and the corresponding first digital signature; encrypting the first stamped contract according to a second contract key of a second enterprise to obtain a first encrypted contract; and sending the first encrypted contract and the corresponding first enterprise certificate to the second enterprise system. The present application can enter the information of the person stamping the contract in the contract, providing a basis for subsequent search for the information of the person stamping the contract; it can also achieve that while the enterprise is displayed externally, the counterparty of the contract can also verify the digital signature, enabling the counterparty of the contract to verify the digital signature through the first certificate without being able to obtain the information of the person stamping the contract, improving information confidentiality.

Devices, systems, and methods enabling parties with little trust or no trust in each other to enter into and enforce value transfer agreements conditioned on input from or participation of a third party, over arbitrary distances, without special technical knowledge of the underlying transfer mechanism(s), optionally affording participation of third-party mediators, substitution of transferors and transferees, term substitution, revision, or reformation, etc. Such value transfers can occur reliably without involving costly third-party intermediaries who traditionally may otherwise be required, and without traditional exposure to counterparty risk.

A method of the present disclosure for determining the veracity of delegation information for a transaction of a real estate object and generating a power of attorney comprises: determining whether or not delegation information for a transaction of a real estate object is present; receiving the delegation information for the transaction of the real estate object; verifying the veracity of the delegation information on the basis of current business state information of a licensed real estate agent received from a real estate brokerage inquiry server, information regarding a distance difference between a location of an agent terminal and an address of the licensed real estate agent, and information regarding a difference in an authentication time between the agent terminal and a delegator terminal; if the delegation information is verified, transmitting a power of attorney generated on the basis of the verified delegation information to at least one of a licensed real estate agent terminal, the agent terminal, the delegator terminal, and a contract counterparty terminal; and if the delegation information is not verified, transmitting information regarding the failure to verify the veracity of the delegation information to at least one of the licensed real estate agent terminal, the agent terminal, the delegator terminal, and the contract counterparty terminal.

To achieve best matching between a fund issuer and a selling agent online by providing a mechanism for allowing an arbitrary fund selling agent as a consignment agent to join sales business of fund products provided by an invest type crowdfunding without previously determining a scheduled sales quantity which is a quota.SOLUTION: A plurality of arbitrary fund selling agents join public offering of funds over a network, and a system catches and manages the sales states of the respective fund selling agents in real time. Since the fund selling agents can join without being bound to a previously scheduled quantity, even a quantity of sales which is small to a fund selling agent, can be sold to their desired customer. To achieve cooperation between a plurality of fund issuer and a plurality of fund selling agents online in a cross-sectional manner, a suited partner is preferentially selected based on a matching variable, thereby matching is achieved.SELECTED DRAWING: Figure 1

The invention provides a financial risk identification method and device based on artificial intelligence, and belongs to the technical field of financial risk prediction. The multi-source heterogeneous financial data is processed in batches through the preset time window, so that the influence of single data delay on the early warning efficiency is avoided, and the integrity of the aggregated data is ensured; redundant noise features are removed through a semantic enhancement feature map and multi-dimensional feature screening, and high-quality input is provided for a subsequent model; a deep learning model time series data risk probability prediction and a knowledge graph model are adopted to carry out incidence relation risk propagation analysis collaborative reasoning, two types of model results are subjected to weighted fusion to generate a preliminary early warning signal, dynamic risks such as user transaction behavior abnormity can be accurately captured, hidden risks such as transaction opponent association and public opinion diffusion can be identified, and the early warning accuracy is improved. And the comprehensiveness and accuracy of risk identification are improved.

An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller isolate and trade the credit risk of a third party. The third pay may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.

The application provides a large model-based financial supervision report intelligent generation method, relates to the technical field of data processing systems, and first constructs a supervision three-view structure containing regulatory provisions, supervision question and answer and penalty cases, and obtains the potential vector representation of the supervision provisions by using a large model and a graph embedding model. It can output the compliance risk score in the multi-explanation scene according to the institution state and the report result. On this basis, an initial report strategy in the form of an executable report graph is generated by the large model, a strict explanation and confrontation scene is constructed by introducing a supervision counterparty agent, the report strategy is optimized in the way of maximum-minimum game, and a strategy result robust to the most unfavorable supervision explanation is obtained. After the strategy converges, the supervision elasticity tensor is further calculated to depict the sensitivity of the report result to potential supervision changes, and the tensor is used to realize the self-evolution update of the newly added or revised provisions. The application can improve the automation, robustness and explainable consistency of the supervision report.

The present invention discloses a risk control method and device for payment transactions based on blockchain, relating to the field of blockchain technology. The method comprises: classifying a bank's historical payment data within a predetermined time range to obtain multiple payment data categories; determining the risk probability and corresponding probability convergence value of each payment data category in various dimensions; selecting a low-risk payment data category from the multiple payment data categories based on the risk probability and probability convergence value; screening the low-risk payment data from a customer's historical payment data; identifying the counterparty corresponding to the low-risk payment data as the customer's safe counterparty and recommending it to the customer. After the customer digitally signs and confirms the information, the information is uploaded to the blockchain; and distributing the safe counterparty to the customer's mobile terminal. When the network signal strength of the customer's mobile terminal falls below a specified strength value, risk control is performed on the customer's transactions based on the safe counterparty stored on the mobile terminal. The present invention can improve customer experience.

A system (100) for AI-driven data analysis of global banking transactions for dynamic credit risk assessment within a European regulatory framework, comprising: a data acquisition module (1) configured to capture transaction records from multiple jurisdictions, customer profiles, open banking feeds, negative media signals, sanctions lists and macroeconomic indicators; a regulatory policy engine (2) that stores machine-readable EU regulatory rules and restrictions; a data protection-compliant processing layer (3) configured to convert raw data into anonymized feature tensor values; a graph creation module (4) configured to create and maintain an entity-transaction graph that links counterparties, instruments, regions, channels, and ownership relationships; a model orchestration module (5) that hosts multiple AI models and runtime policies; an explainable risk assessor (6) configured to generate a time-dependent credit risk assessment and associated justification codes; a decision module (7) configured to calculate dynamic credit actions constrained by the regulatory policy engine (2); a tamper-proof audit ledger (8) that records data origin, model versions and decisions; a real-time interface (9) for transmitting assessments, reasons and actions to core banking systems and payment gateways; and a fairness and bias monitor (10) configured to continuously evaluate metrics with different impacts and to control the provision of model snapshots.

A system is configured to provide data pertaining to a record, performing the following method: (a) obtain, from a first source(s), a first record indicative of an actual financial transaction, paid via the first source; (b) perform enrichment on the first record, thereby determining: a counterparty and / or a financial classification category associated with the first record. The enrichment utilizes machine learning model(s) trained to identify correspondence, of first records indicative of actual financial transactions associated with a business entity, to second data. The second data are obtained from second source(s), distinct from the first source(s); (c) derive an enriched first record, based on the enrichment; and (d) provide the enriched first record.

Apparatus, systems and methods improve efficiency in transacting a swap or other futures based financial instrument, by using time-weighted index averages to decrease counterparty settlement risk. In preferred embodiments related to Bitcoin and several other cryptocurrencies, the swaps are based upon a time-weighted index average (Dwa) of multiple instances of difficulty (Dx to Dy) of mining the cryptocurrency over multiple time periods (Px to Py) where both Ds and Ps are available from the decentralized public blockchain. Traders can use these time-weighted index averages in conjunction with the anticipated values of Ds and Ps for the remainder of the duration of the index, to calculate the index value at any given time.

The embodiment of the invention belongs to the technical field of information, and particularly relates to an inter-bank resource supervision method, device and equipment. The method comprises the following steps: connecting an industry end with bank ends of a plurality of banks through a standardized interface; generating a supervision strategy containing a unique identification code at an industry end according to supervision business requirements, wherein the strategy determines the type of a trader and a budget amount based on project information; issuing the strategy to a corresponding target bank end; after the bank end receives the strategy, when a supervision account initiates a transaction, semantic analysis verification is carried out on the type of a transaction opponent according to the strategy, and accurate or accumulative control is carried out on the transaction amount; and if the verification is passed, executing the transaction. The technical problems that existing bank supervision systems are separated from one another, inter-bank accounts cannot be managed and controlled in a unified mode, and data cannot be globally summarized are effectively solved, the automation degree, accuracy and inter-bank unified management efficiency of fund supervision are remarkably improved, and the end-to-end panoramic supervision capability is provided for a supervisor.

The embodiment of the invention provides a transaction request processing method and device, equipment, a storage medium and a program product. Belongs to the technical field of finance. The method comprises the steps that in response to an internal user transaction request, transaction information corresponding to the internal user transaction request is acquired, and the transaction information comprises one or more of transaction type information, transaction amount information, transaction source mechanism information, transaction opponent information and business type information; calling a preset transaction rule corresponding to the transaction information, and verifying the transaction information; and if the verification is passed, processing the internal user transaction request, and if the verification is not passed, cancelling the processing of the internal user transaction request. According to the method, the internal user transaction request is verified from multiple dimensions of transaction type information, transaction amount information, transaction source mechanism information, transaction opponent information, business type information and the like, so that the verification accuracy of the internal user transaction is improved, and the security of the internal user transaction is improved.

The invention discloses a batch import method and device of entrusted transaction data and a storage medium, and relates to the field of financial science and technology. The method comprises the following steps: receiving a target file constructed by a target customer based on a template of a target financial institution; performing first verification on the N pieces of entrusted transaction data; when it is detected that each piece of entrusted transaction data passes the first verification, performing second verification on each piece of entrusted transaction data based on a target rule; when it is detected that each piece of entrusted transaction data passes the second verification, carrying out third verification on each piece of entrusted transaction data; and when it is detected that each piece of entrusted transaction data passes the third verification, importing the N pieces of entrusted transaction data into the database of the target financial institution in batches. According to the method and the device, the technical problems of low efficiency and frequent errors caused by manual input of entrusting transaction data when borrowing data is generated in the prior art and serious influence on loaning accuracy and efficiency in a multi-trade-opponent information scene are solved.

The invention relates to systems and methods for executing a digital-asset transaction using a dual-tier messaging architecture. A central messaging server provides tamper detection and message-integrity verification while routing bilateral messages between transacting devices. A permissioned-blockchain channel manages a smart-contract escrow that holds digital assets in cold storage. A fiat-rail channel integrates a real-time payment protocol to obtain bank or rail confirmation that fiat funds are credited to a seller account. Upon receipt of settlement evidence and a validated session state, the escrow releases the digital asset from a seller cold-storage wallet to a buyer cold-storage wallet. Embodiments may capture a seller opt-in via a banking application, generate a dual-ledger audit trail across permissioned and public blockchains, and emit transaction identifiers for cross-system reconciliation. The approach improves compliance, reduces counterparty risk, and provides verifiable audit artifacts for regulated settlement of digital-asset transfers.

The present invention discloses a counterparty recognition method, device and electronic device based on deep learning. The method includes: obtaining a bond information text, extracting elements from the bond information text to obtain the extracted element data; cutting the bond information text according to a preset structured rule index and the element data to form a spot trading order information; constructing a prompt-based classification model, training the classification model according to financial prior knowledge and the spot trading order information to generate a counterparty recognition model; obtaining a bond information text to be parsed, and preprocessing the bond information text to be parsed; inputting the preprocessed bond information text into the counterparty recognition model to obtain the type of the counterparty. The embodiments of the present invention can effectively extract various elements in spot trading; avoid the problem of conflicts among different hard-coded rules; and solve the problem of high rule maintenance cost.

The invention discloses an inter-bank transaction clearing system and an inter-bank transaction clearing method based on intelligent offset bookkeeping, which support real-time dynamic offset, intelligent matching of transaction opponents and automatic risk control of inter-bank transaction clearing so as to realize efficient, safe and low-cost net amount settlement. Wherein the offset accounting is to summarize and calculate the receivable / payable amounts among all participants in the same period under the scene of'multi-party participation and multiple transactions', and finally, multiple transactions are combined into one transaction only according to the way of finishing accounting processing according to the net amount of each participant, so that the operation process is simplified, and the efficiency is improved; the total amount of funds exposed in the risk is reduced, and the credit risk is reduced; the fund occupation amount is reduced, the cash flow pressure of an enterprise is relieved, only net funds need to be prepared, and the liquidity risk is reduced; as the number of settlement times is greatly reduced, the probability of settlement failure is also reduced, and the service charge and the labor cost generated in the links of payment, settlement, account checking and the like are reduced.

The invention relates to the field of financial data processing, in particular to a financial business data automatic processing method and system. The financial business data automatic processing system comprises a data acquisition and analysis module, a tense relation writing module, an index calculation trigger module, a risk score fusion module and a decision generation module. According to the invention, through event-driven temporal relationship modeling and sliding window index calculation, a transaction flow and external unstructured information are fused in a millisecond level, and instant updating of an account-customer-transaction opponent relationship and dynamic refreshing of a risk index are realized; compared with traditional daily end batch processing, the method can find hidden risks such as over-high concentration degree and split money laundering when the transaction occurs, greatly shortens the risk identification time delay, and improves the timeliness and accuracy of risk control.

A method is provided for an investment company to defer the recognition of dividend income. A counterparty to the investment company makes an investment into the investment company, thereby becoming a shareholder. At the counterparty's demand, the counterparty's investment is redeemed in-kind using a security soon prior to its ex-dividend date. Subsequently, the counterparty may reinvest into the investment company using cash received from the security's dividend payment and the security soon following its ex-dividend date. The counterparty may be induced to invest in the investment company by the payment of fees earned by the investment company to the counterparty, by the payment of securities lending income earned by the investment company to the counterparty, or some combination of the two.

A system for central limit management comprising one or more computers on a network and an input to receive an indication of a planned order of at least one derivative between counterparties to be executed on an execution venue from an asset manager. The system stores a limit comprising an indication of counterparty risk of the asset manager; and is configured to output an indication of a risk limit of the asset manager to an execution venue; and output an indication that the planned order is within the stored limit of the asset manager to the asset manager. Responsive to receiving the indication of a planned order from the asset manager, the system checks if the planned order is within the stored limit of the asset manager, and if so, outputs an indication of a limit required to execute an actual order associated with the planned order to the venue.

The embodiment of the invention provides a data recommendation method and system, electronic equipment and a computer readable storage medium, and the data recommendation method comprises the steps: collecting the transaction opponent information of a transaction opponent transacting with a delegation account, generating a transaction opponent portrait according to the transaction opponent information, and recommending the transaction opponent to the delegation account according to the transaction opponent portrait and the account information of the delegation account. And determining a target transaction opponent from the transaction opponents, and recommending the target transaction opponent to the entrusting account. According to the method, the real-time performance of the transaction opponent information can be realized, the financing capability of the transaction opponent can be accurately calculated, the proper transaction opponent can be recommended, the transaction risk is reduced, and the selection efficiency of the transaction opponent and the transaction success rate are improved.