40 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.

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.

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.

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 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 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 invention discloses an off-site derivative life cycle management system and method, and particularly relates to the technical field of off-site transactions, and the method specifically comprises the steps: constructing a unified transaction identifier for uniquely identifying off-site derivative transactions based on a predefined transaction field, carrying out the structural analysis of transaction confirmation data from different transaction source systems, and carrying out the analysis of the transaction confirmation data. Constructing a floating interest rate cash flow prediction model, comparing model output with a transaction opponent confirmation result for verification, constructing a unified transaction view, realizing cross-system state synchronization and consistency maintenance of a transaction life cycle event, calculating an intervention depth index and a data structure difference index of a business system in a current transaction link, and calculating a transaction result. And an automatic credibility score is generated to quantify the reliability level of the transaction for realizing automatic processing in the current transaction link, the credibility and necessity of manual intervention are improved through a reliability verification mechanism, and data pollution or downstream state disorder caused by wrong automatic processing is prevented.

A protocol for collaborative consensus that allows for the automatic cross-verification of outputs for a given contract between two parties. This allows for the autonomous reconciliation of bills throughout a billing period, and the automatic exchange of payments for the agreed-upon amounts. This is achieved using independent servers that have agreed upon a contract and its inputs and operations. The contract is serialized and signed by both parties, and then the outputs are cross verified by both parties. If the outputs are within an appropriate tolerance window, then the outputs are agreed upon and the payments are exchanged. If the outputs are not within an appropriate tolerance window, then the outputs are recalculated and exchanged again. This allows for the reduction of manual effort in the billing and payment process, and the reduction of moral hazard in the interaction of partially trusting counterparties.

The invention belongs to the technical field of multi-factor models, and particularly relates to a multi-factor model-based reinsurance pricing calculation method, which comprises the following steps of: S1, determining a target: determining the purpose of reinsurance pricing calculation, and evaluating the rationality of a reinsurance contract or comparing the advantages and disadvantages of different reinsurance schemes; s2, factors are selected, wherein key factors influencing reinsurance price comparison are selected, and the factors comprise insurance company underwriting risk characteristics, historical claim settlement data, market environment and reinsurance market supply and demand conditions; according to the method, the accuracy of reinsurance pricing calculation can be improved by comprehensively considering various key factors, the model utilizes historical and actual data and adapts to different market environments, the accuracy is ensured through cross validation and back test, detailed reports and analysis support decisions are provided, and reinsurance arrangement optimization, cost reduction and market competitiveness improvement are facilitated.

The application discloses a transaction clearing route matching method and device based on natural language processing and electronic equipment, and relates to the field of financial technology, and the method comprises the following steps: in the case that a new financial transaction result and a transaction abstract are detected, it is detected whether a transaction deal sheet is contained in the financial transaction result, and when the transaction deal sheet is not detected, a clearing route self-matching mechanism is started, a natural language processing model is used to extract transaction counterparty information, transaction financial institution information and beneficiary object information in the transaction abstract, a transaction element set is obtained, each transaction element in the transaction element set is matched with a cash clearing route mapping table, a clearing route with the highest matching saturation degree and meeting preset business rules is selected as a transaction clearing route, and the transaction clearing process is completed by using the transaction clearing route. The application solves the technical problem that, in the related art, the financial transaction without a deal sheet cannot be automatically matched with a clearing route, which affects the automatic processing efficiency of the transaction, and causes the transaction clearing risk.

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 index can be used to increase or decrease mining of digital assets, or switch allocation of resources between mining different digital assets.

The disclosed embodiments relate to automatically enabling unconstrained inputs of data, e.g., related to quantities of a proposed trade order for submission to an electronic trading system from parties in an electronic data transaction system that enforces constraints, e.g., a maximum precision in specified quantities, on the inputs relating to the proposed trades that can be submitted by the counterparties. The disclosed embodiments relate to a user interface and system that enables a participant to specify quantities for trades with an increased precision, e.g., fractional quantities, enabling more precise alignment of the transactional characteristics with the specific goals of the participant, in an electronic trading system which constrains tradeable quantities to a maximum allowable precision, e.g., such as whole number quantities, based on business and / or regulatory requirements, e.g., requirements which dictate, for example, that transactions may only take place in whole number quantities or units.

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 application discloses a kind of off-site derivative life cycle management system and method, specifically related to off-site transaction technical field, specific steps include based on predefined transaction field, construct the uniform transaction identification for uniquely identifying off-site derivative transaction, the transaction confirmation data from different transaction source systems is structured and parsed, construct floating interest rate cash flow prediction model, model output is compared with transaction counterparty confirmation result verification, construct uniform transaction view, realize the cross-system state synchronization and consistency maintenance of transaction life cycle event, calculate the intervention depth index and data structure difference index of business system in current transaction link, generate automated credibility score, for quantifying the reliability level of transaction in current transaction link realizes automatic processing, through reliability verification mechanism, improve the credibility and necessity of manual intervention, prevent data pollution or downstream state disorder caused by error automatic processing.

The disclosed embodiments relate to automatically enabling unconstrained inputs of data, e.g., related to quantities of a proposed trade order for submission to an electronic trading system from parties in an electronic data transaction system that enforces constraints, e.g., a maximum precision in specified quantities, on the inputs relating to the proposed trades that can be submitted by the counterparties. The disclosed embodiments relate to a user interface and system that enables a participant to specify quantities for trades with an increased precision, e.g., fractional quantities, enabling more precise alignment of the transactional characteristics with the specific goals of the participant, in an electronic trading system which constrains tradeable quantities to a maximum allowable precision, e.g., such as whole number quantities, based on business and / or regulatory requirements, e.g., requirements which dictate, for example, that transactions may only take place in whole number quantities or units.

A system and a method automatically enable unconstrained inputs of data including a price that relate to a proposed new or modified trade orders between counterparties for submission to an electronic trading system that enforces constraints on the inputs relating to the proposed trades that can be submitted by the counterparties.

The invention discloses a transaction opponent recommendation method and system based on multi-modal data, and relates to the technical field of financial software development. The method comprises the following steps: acquiring multi-modal data; performing data fusion on the multi-modal data, and configuring a multi-dimensional portrait label, including a precise label and a fuzzy label, for each candidate transaction opponent according to the fused data; according to the multi-dimensional portrait label, constructing a transaction opponent matrix including label information of all candidate transaction opponents; when an investment instruction is received, analyzing to obtain transaction feature elements of a bond product needing to be transacted; and when an inquiry demand initiated by a trader for the bond product is collected, according to the transaction opponent matrix, after a target transaction opponent matched with the bond product is determined through the multi-dimensional matching model, target transaction opponent information is output and / or an inquiry instruction is sent to the target transaction opponent. According to the invention, the efficiency and success rate of bond inquiry transaction can be obviously improved.

A plurality of computer-based transactions facilitated by each of a plurality of custodians are monitored. A first transaction of the plurality of transactions includes a transfer of an amount of cryptocurrency of a first type by a first counterparty to a second counterparty in exchange for an amount of cryptocurrency of a second, different type. Transaction packages are generated by each counterparty which include requisite information to effect the transfer. A settlement coordinator asynchronously receives (via a computing network) the transaction packages which specify information required to (i) transfer the cryptocurrency of the first type from the first counterparty to the second counterparty on a first blockchain and (ii) transfer the cryptocurrency of the second type from the second counterparty to the first counterparty on a second blockchain. The settlement coordinator after receiving the first request and the second request accesses the first blockchain and the second blockchain to transfer ownership of the cryptocurrency of the first type and the cryptocurrency of the second type to effect the first transaction.