30 results about "Credit system" patented technology

The invention belongs to the technical field of geo-fences and real-time social contact, and discloses a real-time coexistence user social contact system and method based on geo-fences, and the method comprises the steps: collecting the multi-dimensional multi-modal original data of a user through a dynamic sampling strategy and an energy efficiency balance mechanism, and generating an information-desensitized four-dimensional data set; constructing four layers of fences, evaluating the value attribute of each fence, carrying out life cycle management, dynamically adjusting the fence state, and forming a four-dimensional fence value network; identifying a basic event, a composite event and a cooperative event in a grading manner, constructing a real-time value flow through event value quantification, and generating a dynamic rule set adaptive to a scene; user permissions are distributed through the three-dimensional value permission matrix, the multi-dimensional value point system is linked to complete point generation and transaction, and a value circulation record including permission states, point changes and transaction records is formed; the value health degree is analyzed through a real-time, short-term and long-term three-level optimization mechanism, optimization parameters are generated, and the optimization parameters are reversely iterated to corresponding preorder links.

The invention provides a data management method and device for a credit system, a storage medium and a system, and the method comprises the steps: obtaining customer information under the condition of customer authorization, and carrying out the encryption processing of the customer information, and obtaining encrypted customer information; dividing the encrypted customer information into a plurality of pieces of sub-encrypted customer information with preset sizes; determining a target distributed storage node according to the attribute information of each distributed storage node; and uploading all the sub-encrypted customer information to the target distributed storage node so as to realize storage of the customer information. According to the method and the device, the problem of low data security caused by easy tampering or leakage of user data due to the fact that a centralized data storage mode is generally adopted by a credit system in the prior art is solved.

The invention discloses a credit line dynamic configuration method and device based on merchant cashier data, equipment and a medium, relates to the technical field of computers, is applied to a bank credit system, and comprises the following steps: collecting transaction data, inventory data, member data, industry data and credit investigation data of merchants in a software-as-a-service cashier system in real time; triggering a timestamp of the data and a device fingerprint recording operation; performing verification, desensitization, standardization processing and abnormal data backflow cleaning on the obtained merchant cashier data acquisition result based on a data governance strategy, and storing the governed data to a data lake; constructing and training a dynamic credit extension model based on the data lake, a plurality of predefined interpretable factors and a preset model self-training rule; and when a money use application initiated by the merchant is received, adjusting the original credit line of the merchant based on the current dynamic credit model, and outputting a target credit line. The financing availability of small and micro merchants can be greatly improved, and business cooperation among banks, merchants and cashier system providers is promoted.

The invention discloses a tax risk identification method and system based on multi-source data comparison, and the method comprises the steps: collecting the multi-source data of a target subject and an associated subject from a tax, invoice and commercial credit investigation system, and constructing a data set; extracting time series data of a preset key risk index in a preset observation time period, calculating a volatility and a deviation degree, and generating a dynamic risk feature vector representing each subject risk condition; constructing a risk conduction network based on the association relationship between the target subject and the association subject; calculating the time sequence correlation of the dynamic risk feature vectors respectively corresponding to the target main body node and the associated main body node in a specific time window; when the correlation coefficient exceeds a preset threshold value, it is judged that risk collaboration exists, the associated subjects corresponding to the associated subject nodes are marked as high-risk clusters, and direct associated tax risks are evaluated. According to the invention, dynamic accurate identification and quantitative prevention and control of tax risks are realized, and accuracy and efficiency are improved.

The present disclosure describes systems and methods for providing new credit files for individuals without a credit file by generating header information and assigning a personal identifier (or PIN) for the newly created header file without any negative impacts on the new credit file (such as a credit inquiry). The credit system can recommend the addition of new tradelines, such as through review of transaction data from financial institutions to identify a new tradeline, or recommending new credit cards curated for individuals with new credit files. The credit system can infer an open date for a new tradeline found in the transaction data by identifying the earliest transaction date for the set of transactions that correspond to a particular category.

The invention relates to the technical field of financial science and technology and big data processing, and discloses an enterprise credit report automatic acquisition and credit business co-processing system, which converts a request into a context vector through a business request analysis module; the dynamic strategy route generation module calculates an acquisition priority based on the vector and generates a targeted task configuration file; the multi-source heterogeneous data acquisition module executes data acquisition; the data conflict arbitration module constructs a bipartite graph topological structure, eliminates conflicts among sources by using trust propagation iteration, and outputs cleaned feature vectors; the credit risk quantitative evaluation module calculates a credit score based on nonlinear mapping; and when the score falls into a gray interval, the gray closed-loop feedback module calculates decision ambiguity and feeds back an offset correction vector, and triggers supplementary collection of the uncollected data source. According to the method, on-demand data acquisition and truth value automatic discovery are realized, the boundary sample decision problem is effectively solved through a gray closed-loop mechanism, and the automation level of a credit system is improved.

The invention discloses a differentiated supervision reminding method and system based on an operator safety credit system, and a storage medium, and belongs to the technical field of safety supervision. The method comprises the following steps: collecting basic information of an operator; building a safety credit evaluation model based on a machine learning algorithm, carrying out the multi-dimensional analysis of the qualification validity, violation frequency, score deduction severity and work resume stability of an operator, and generating a quantitative safety credit score; and according to the scoring result, the operators are divided into high, medium and low safety levels, and different supervision reminding rules are configured for different levels, including real-time alarm, dynamic voice prompt, lightweight notification and the like. According to the invention, through linkage of credit scoring and key process risks, accurate identification, dynamic hierarchical management and control and whole-process supervision and reminding of operation risks are realized, and the safety management efficiency and standardization of an operation site are significantly improved.

The invention relates to a method of controlling a heater assembly of an aerosol-generating device. The method comprises the following steps: a) receiving an aerosol-generating article in a cavity of an aerosol-generating device; b) checking an authenticity of the received aerosol-generating article, wherein it is considered a positive result if authenticity of the received aerosol-generating article is confirmed, wherein it is considered a negative result if authenticity of the received aerosol-generating article is not confirmed; c) preventing or suspending a supply of power to the heater assembly if the number of negative results exceeds the number of positive results by a pre-determined amount.

Systems and methods that dynamically assign, responsive to different events occurring, the location of an electronic record associated with an amount of funds accessed from a gaming establishment credit system.

The application provides a WID identity right confirmation, AI talent positioning, brain-computer collaborative skill reinforcement and WCP contribution credit linkage system, comprising: the WID adopts parent-child association coding to realize unified right confirmation and ownership tracing of natural persons, AI agents and intelligent devices; the AI talent positioning module outputs the optimal growth path of individuals through multi-dimensional scoring; after the knowledge and skill package is structured and coded in a lightweight manner, it is safely pushed by the non-invasive brain-computer collaborative module when the concentration, relaxation and fatigue meet the threshold, and the learning efficiency is improved by more than 500%; the AI secondary independent safety supervision module can block the risk instruction within 10ms; the WCP contribution credit system quantifies the personal value with morality and contribution as the core, and the distributed credit record is tamper-proof. The application forms a complete closed loop of talent identification, knowledge empowerment, skill reinforcement, practice creation, contribution measurement, credit growth and ecological counter-feeding, and realizes the future education ecology of individualized teaching, high efficiency and safety, identity credibility and value fairness.

The invention relates to the system, which is used in the field of banking and finance, and enables the production of money with a 100% equivalent by accepting valuable assets in the form of precious metals such as gold as the equivalent of money, and the supply of the money produced, solves the problem of limited gold reserves in the traditional gold money standard by accepting valuable assets as gold, creates a money supply without inflation and deflation by providing money production in exchange for valuable assets, also offers an interest-free credit system model and a payment guaranteed check system with money produced from precious metals with integrated methods, and produces money by using assets as precious metals.

The application is suitable for information management method technology, and provides a credit information data management and analysis method and system, credit data information is acquired; a multi-dimensional credit map is formed according to edge weight constructed according to an agent variable, a credit behavior similar community is identified according to existing data, a positioning similar crowd is obtained, and a contribution score is determined according to a white household user contribution degree; a multi-dimensional credit behavior trajectory graph is constructed according to real-time behavior data flow and platform data, a mutation node in the trajectory graph is identified, whether the behavior change constitutes a credit risk deviation signal is judged according to the mutation node; the positive or negative influence amplitude of each behavior characteristic on the final score is quantified according to the final score, updated evidence material information is acquired according to the score elements, a new score suggestion value is obtained according to the evidence material information, and the key problems that are difficult to model white household users in a traditional credit system, that the scoring result is static and rigid, and that a complaint cannot be fed back are effectively solved.

The invention relates to the technical field of financial science and technology data processing, and discloses a bank and guarantee institution business data interaction system and method, and the system comprises a data application service platform, a bank core credit system, a bank head office financing platform interface, an external guarantee institution business system, a platform integration interaction control center and a multi-channel communication adaption module. And the server is used for acquiring the original pre-loan data set, converting the original pre-loan data set into a white list admission and guarantee application data set, generating a global business token, maintaining a bidirectional state lock, executing parallel distribution operation to a bank head office and an external guarantee mechanism, and starting an asynchronous process to monitor a feedback state. According to the invention, the two-way state lock is combined with a parallel distribution mechanism, the atomicity judgment of the business state between heterogeneous systems is realized, the compensation transaction execution module is automatically triggered to carry out rollback operation when the states are inconsistent, and the problem of limit occupation caused by low serial interaction efficiency and inconsistent distributed environment data is solved.

This invention relates to the field of rural recruitment, and discloses an employment management system and method suitable for rural recruitment, comprising: an employer terminal, a cloud management platform, and a labor force terminal; both the employer terminal and the labor force terminal are bidirectionally connected to the cloud management platform; the labor force terminal is equipped with a multi-dimensional perception module for labor force status and a skill tag management module; the employer terminal is equipped with a module for accurately publishing labor demand; the cloud management platform integrates an intelligent matching and triggering engine, a two-way selection and credit evaluation module, a data management module, and a labor resource visualization management module; this invention solves the problems of information asymmetry between rural employers and labor force, variable labor force work status, low efficiency in matching employment relationships, and high cooperation risks due to the lack of a credit system and evaluation system in the prior art.

The invention provides an intelligent loan credit granting method and system based on a multi-dimensional data portrait in the technical field of financial science and technology. The method comprises the steps that S1, a server collects non-financial data and financial data; s2, respectively constructing enterprise portraits of the enterprises based on the non-financial data and the financial data; s3, the bank credit system sends a credit evaluation request to the server based on the input loan application; s4, the server carries out credit granting evaluation on the related enterprise portrait in combination with a rule engine and a loan credit granting evaluation model, generates a credit granting evaluation result and feeds back the credit granting evaluation result to a bank credit system; and S5, the bank credit system executes a loan approval operation based on the credit evaluation result, and continuously obtains the latest non-financial data and financial data of the enterprise so as to dynamically adjust the credit evaluation result. The method has the advantages that the loan credit extension precision, automation and intelligence are greatly improved, and then the risk control capability and service efficiency are greatly improved.

The invention provides a multi-page data consistency guarantee method and device and electronic equipment, and the method comprises the steps: constructing a unified jump management system for a credit system; based on the business page characteristics of the credit system, a differential data transmission mechanism is set, and data transmission is carried out; performing instance-level isolation on the cache of the credit system through a composite cache key and read-write logic optimization; carrying out full-scene test and verification on the credit system; the full-scene test comprises a jump logic accuracy test, a data transmission integrity test, a cache isolation validity test, a multi-instance concurrent stability test and an abnormal scene fault tolerance test. By means of the method and device, it is ensured that concurrent operation of multiple service modules is supported, meanwhile, the consistency and integrity of data are effectively maintained, and the problem that in the prior art, data consistency and accuracy are poor is solved.

This invention relates to the field of automated testing technology, and provides a method and apparatus for automated batch processing of bank credit and accounting systems. The main purpose is to facilitate project teams in using automated script execution during testing to replace manual batch processing and file handling operations in related systems. The main scheme includes: using a sampler interface to request simulated login to the accounting system and trigger the main batch processing flow of the accounting system, waiting for the batch processing to complete, and generating the end-of-day batch file corresponding to the batch processing date; remotely connecting to the credit server and deleting the old end-of-day files required for the previous batch processing stored on the credit server, then using the sampler again to remotely connect to the accounting server and remotely copy the end-of-day batch files generated by the accounting batch processing to the corresponding storage directory on the credit system server, ready for use by the credit system batch processing; using the sampler interface to request simulated login to the credit batch processing system, using the interface to trigger the end-of-day batch processing flow of the credit system, and waiting for the batch processing to succeed.

The invention discloses an online order grabbing and dispatching system for an online tour guide based on smart tourism, relates to the technical field of smart tourism services, and aims to solve the problems of non-transparent information, low supply and demand matching efficiency, difficulty in guaranteeing service quality and the like in an existing tour guide service mode. The system comprises four core modules, namely a user side APP, a platform management background, an intelligent scheduling server and a big data and block chain supporting platform, and a three-stage hybrid scheduling model of intelligent matching pushing, tour guide limited order grabbing and system auxiliary order sending is constructed. And in combination with a multi-dimensional dynamic portrait matching algorithm, an LBS and context awareness whole-process supervision mechanism and a block chain credible credit system, accurate matching of a tour guide and tourists, effective control of service quality and upgrading of tourism experience are realized. According to the invention, the supply and demand matching efficiency and precision are improved, the service quality is guaranteed, the tourism resource configuration is optimized, the immersive and high-quality tour guide service is provided for tourists, and a benign growth ecology is constructed for excellent tour guides.

Intend to invent and create, free paid media entertainment media credit system and media market place, which will enable an end user to access media entertainment, games, AR / VR, streaming services, on any platform, temporarily for free using the new credit system which otherwise needs to be paid. The system will build free paid media credit based on a users different usage of products, services, promotions on other products and services that give free media credit. Buying products that will give this credit and will apply on the platform of users liking to show the paid content without paying rather using the credit. This system will embedded many media systems underneath making it a universal cross media platform market place also, powered by digital token, enabling media trade and publishing across platforms.

The invention discloses a power customer service risk early warning and trend research and judgment method, and relates to the technical field of power customer risk early warning, and the method comprises the steps: S1, building a power utilization enterprise database; s2, grading the customer volume; s3, establishing a customer credit system; s4, establishing a fund payment mode; s5, evaluating the operation condition of the enterprise; s6, evaluating electricity consumption information of the enterprise; and S7, estimating the payment capability of the customer. The power customer service risk early warning and trend studying and judging method has the beneficial effects that the credit of the enterprise is calculated through the power consumption volume of the enterprise user and the enthusiasm of the enterprise to pay the electric charge, so that the enterprise is graded by utilizing the payment adaptability of the enterprise; therefore, the payment habits of the enterprises can be better utilized to perform grading and classification on the enterprises, so that the power supply unit can better assess the enterprises, the power supply unit can be effectively helped to avoid high-risk enterprises, and response is also facilitated.

Systems and methods for allocating resources are disclosed. Resources such as streams are allocated using a stream credit system. Credits are issued to the clients in a manner that ensure the system is operating in a safe allocation state. The credits can be used not only to allocate resources but also to throttle clients where necessary. Credits can be granted fully, partially, and in a number greater than a request. Zero or negative credits can also be issued to throttle clients.

The invention relates to the technical field of data processing and privacy calculation, and discloses a user cross-platform credit score cooperative calculation method and device, a DP-SGD credit evaluation model is constructed, modules are set in the interior, and a multi-platform behavior data acquisition module realizes real-time acquisition of cross-platform charging pile operation data; the feature extraction module realizes original data processing and key feature extraction; the data analysis module realizes quantitative modeling of multi-dimensional credit characteristics; the differential privacy protection module and the credit evaluation module jointly realize balance between privacy security and model precision; the risk early warning module realizes dynamic credit risk monitoring and active intervention, triggers early warning by tracking credit score fluctuation and a low score threshold in real time, pushes an anonymized risk signal to the cooperation platform in time, and assists the platform in taking risk management and control measures; the credit score application module promotes deep fusion of a credit system and a business scene; and the credit management module realizes full-life-cycle management of credit data.

The application provides a transaction-based data processing method, device and equipment and a storage medium, and relates to the blockchain technology. The method comprises the following steps: receiving a transaction user viewing request sent by a first credit system client device; obtaining user basic information, user transaction information and user credit information corresponding to a target transaction object from a pre-constructed blockchain according to the transaction user viewing request; the pre-constructed blockchain is created based on a credit management device; sending the user transaction information corresponding to the target transaction object to a credit sharing device to instruct the credit sharing device to determine the transaction relationship of at least one user on a supply chain based on the user transaction information corresponding to the target transaction object; receiving the transaction relationship of the at least one user on the supply chain sent by the credit sharing device; and sending the user basic information, the user credit information and the transaction relationship of the at least one user on the supply chain corresponding to the target transaction object to the first credit system client device for display.

The present disclosure describes systems and methods for providing new credit files for individuals without a credit file by generating header information and assigning a personal identifier (or PIN) for the newly created header file without any negative impacts on the new credit file (such as a credit inquiry). The credit system can recommend the addition of new tradelines, such as through review of transaction data from financial institutions to identify a new tradeline, or recommending new credit cards curated for individuals with new credit files. The credit system can infer an open date for a new tradeline found in the transaction data by identifying the earliest transaction date for the set of transactions that correspond to a particular category.

The invention relates to a supply chain finance method based on a block chain. According to the method, in order to overcome the problem of pain points existing in traditional supply chain finance, a supply chain finance system based on the block chain technology is realized, product transaction and fund circulation among supply chain members are realized, and multiple intelligent contracts are designed. According to the method, an Ethereum public chain is selected as a development platform, supply chain main bodies such as multi-level suppliers and banks are added, and product raw material transaction and financial financing interfaces are provided for small and medium-sized suppliers; the method collects the credit information of the supplier, calculates the credit degree of the supplier by using a fuzzy analytic hierarchy process, and provides an interface for reviewing the credit information of the supplier for a bank. According to the method, the span problem of enterprises is solved, and a core enterprise can effectively manage upstream and downstream supplier enterprises in a targeted manner; the method solves the problems of a credit system and financing, and alleviates the financing difficulty of small and medium-sized suppliers. The method solves the problem of data review, and shortens the period of lending business.

The application discloses a kind of user credit evaluation methods of dynamic weight based on improved immigration genetic algorithm, comprising: selecting whether current bad account, ARPU, network duration, DOU, whether credit card automatic deduction, whether fusion, whether there is vice card, whether one card multi-number, whether black and white list as multi-scene general evaluation factor, form global variable;Global variable weight is initialized by traditional experience scoring method, the objective function and constraint condition of multi-objective optimization are established, the optimal weight is solved by using improved immigration genetic algorithm, and the user basic credit level is calculated.The application decouples user credit system, credit level and application scene, builds a unified user credit evaluation system through global variables, outputs user credit level to different application scenes, combines its own business conditions (i.e.application local variables), serves the corresponding scene, and provides useful feedback data to the user credit system, thereby affecting the fluctuation of rating, forming a closed-loop control.

Intend to invent and create, advertisement free media entertainment credit system and media market place, which will enable an end user to access media entertainment, games, AR / VR, streaming services, on any platform, temporarily without any advertisements, where otherwise advertisements are shown. The system will build advertisement free media credit based on a users different usage of products, services, promotions on other products and services that give free media credit. Buying products that will give this credit and will apply on the platform of users liking to not show the advertisements without paying to not show the advertisements rather using the credit. This system will embedded many media systems underneath making it a universal cross media platform market place also powered by digital token, enabling media trade and publishing across platforms.

Methods and systems are described for a content credits system. A user may create a content credit account at a content credit server. When browsing the internet, the user may wish to access an article, video or other content but it prevented by a paywall. Rather than buy a subscription to get past the paywall, the user can use their previously purchased content credits. The content credits can be used to track views and purchases related to given content, ensuring better accounting and accurate payouts to content generators. A content credit server can also keep the information that a user has already purchased / accessed / unlocked the same article using content credits previously. This can allow the system to automatically unlock an article or other online content when a user returns to access it.

The present application belongs to the technical field of geographic fence and real-time social, and discloses a real-time coexisting user social system and method based on geographic fence, which comprises the following steps: collecting multi-dimensional multi-modal original data of users through a dynamic sampling strategy and an energy efficiency balance mechanism, and generating a four-dimensional data set with information desensitization; constructing four layers of fences, evaluating the value attributes of each fence, dynamically adjusting the fence state through life cycle management, and forming a four-dimensional fence value network; hierarchically identifying basic events, composite events and collaborative events, constructing a real-time value flow through event value quantification, and generating a dynamic rule set adapted to the scene; distributing user permissions through a three-dimensional value permission matrix, completing score generation and transaction through a multi-dimensional value credit system, and forming a value circulation record containing permission state, score changes and transaction records; analyzing the value health degree through a three-level optimization mechanism of real-time, short-term and long-term, generating optimization parameters, and iteratively returning to the corresponding previous link.