63 results about "Credit system" patented technology

The invention relates to the technical field of construction management, and discloses a railway temporary facility construction progress optimization method and system based on artificial intelligence. According to the invention, through heterogeneous data fusion and conflict graph modeling, accurate quantification of construction contradictions is realized; a multi-agent auction mechanism is combined with a virtual credit system, so that the fairness and efficiency of resource allocation are improved; the self-healing mechanism of the spiking neural network and quantum genetic optimization break through the limitation of the traditional algorithm from local and global levels respectively. In the system level, an edge computing node and a distributed consensus engine guarantee real-time decision reliability, a dynamic digital sand table realizes visual prediction of risks, and a self-organizing control tower guarantees standard compliance. Practical verification shows that the number of times of resource conflicts is reduced, the early warning accuracy of major risks is higher during emergency response, and the construction efficiency and safety are remarkably improved.

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 belongs to the technical field of housekeeping service, and discloses a housekeeping service system which comprises a user system module, a service management module, an order scheduling module and an evaluation risk control module. The user system module supports hierarchical authentication and authority distribution of clients, service personnel and administrators, and generates portrait label drive matching based on behavior data of the clients and the service personnel; the service management module constructs a secondary classification system, and adopts an intelligent recommendation engine driven by a fusion collaborative filtering algorithm and a deep learning algorithm to carry out household service project recommendation; the order scheduling module optimizes a service process by using order period management and an intelligent matching engine; and the evaluation risk control module ensures the justice of service quality monitoring and a credit system through a two-way evaluation mechanism and abnormal evaluation detection. The household service supply and demand matching efficiency can be improved, the service standard is optimized, the credit system is perfected, and a decision basis of data support is provided for large-scale operation.

Systems and methods that enable reporting of and, if applicable, adjustments to an audit of a gaming establishment marker provided to a user in association with a transfer of funds between a gaming establishment account and a gaming establishment credit system.

Systems and methods that enable the bulk creation of a plurality of gaming establishment account maintained by a gaming establishment fund management system based on a plurality of separately created gaming establishment credit accounts maintained by an independently operating gaming establishment credit system.

The embodiment of the invention provides a user account management method and system, a storage medium and a program product. The method comprises the steps of determining whether a target user opens a financial credit line service or not when it is monitored that a communication account is triggered to arrearage and shut down for the target user; if the target user opens the financial credit line service, a financial line deduction request is sent to a financial credit granting system according to the communication account insufficiency of the target user, and the financial line deduction request is used for requesting to deduct a financial account line corresponding to the communication account insufficiency for a financial account of the target user; and when a deduction success response sent by the financial credit extension system is received, the communication account arrearage of the target user is updated to 0, and the execution of the communication account arrearage shutdown on the target user is canceled, and the deduction success response corresponds to the financial credit line deduction request. According to the method, malicious overdraft risks can be effectively prevented and controlled, and the shutdown probability of the user can be reduced.

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.

A processor implemented method for agricultural credit tracking of a line of credit (LOC) grounded in the Farm Credit according to one disclosed non-limiting embodiment of the present disclosure includes setting up an electronic wallet interface in an agricultural credit tracking system for a user; verifying the user of the electronic wallet interface; associating the user with a line of credit (LOC) grounded in the Farm Credit System (FCS) through an Agricultural Credit Association (ACA) in the Farm Credit System (FCS); permitting access to the line of credit (LOC) via the electronic wallet; and allowing spending via the electronic wallet.

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 present invention provides a transaction processing method, a bank letter of credit system and an e-commerce system, including: The bank letter of credit system establishes a digital letter of credit corresponding to the order information based on the letter of credit application information and the order information initiated by the buyer user through the e-commerce system, and uploads the digital letter of credit to the blockchain. When receiving the confirmed receipt instruction input by the buyer user through the e-commerce system and the time of receiving the confirmed receipt instruction, obtain the smart contract corresponding to the order information from the blockchain, and execute the time of receiving the confirmed receipt instruction and the smart contract to perform the payment settlement operation. There is no need for manual letter of credit opening, and the letter of credit can be quickly opened directly through the e-commerce system, thereby improving the opening speed of the letter of credit.

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 the technical field of community finance science and technology and risk control, in particular to a community micro entrepreneurship risk control support method and system combining credit assessment, neighborhood guarantee, dynamic risk prediction and hierarchical hosting loaning. The system comprises a server (including a processor and a memory), a communication interface, a credit evaluation module, a guarantee management module, a hosting loaning module, a default processing module, a dynamic guarantee management unit, a real-time monitoring unit and a default prediction unit. The modules cooperatively realize applicant admission verification, multi-dimensional risk assessment, batch trusteeship loaning according to risk levels and default deduction, a real-time monitoring and condition triggering mechanism is further introduced in the loaning process, and default risks are predicted in combination with a machine learning model. When the risk is increased, guarantee supplement or advanced intervention measures are triggered, so that fund safety is guaranteed, and the construction level of a community credit system is improved. The method and the system are suitable for community entrepreneurship scenes which are low in threshold, small in amount and lack of collateral.

The invention discloses a cross-community point settlement and reserve fund coverage control method and device based on double account books and a state channel, equipment and a storage medium. According to the method, point cross-domain liquidation and rapid settlement among different community nodes are realized by establishing a multi-account-book cooperation mechanism; a state channel technology is adopted to optimize transaction time delay and storage overhead; dynamically adjusting a reserve fund proportion according to the risk parameters so as to realize safe hosting and real-time liquidation of integral assets; and the authenticity and traceability of the data are ensured through the encryption and traceability module. The method can improve the operation efficiency and risk prevention and control capability of a community point system, and is suitable for multi-scene application of smart communities, commercial alliances and the like.

Systems and methods that enable the creation of a gaming establishment account maintained by a gaming establishment fund management system based on activities occurring in association with a separately created gaming establishment credit account maintained by an independently operating gaming establishment credit system.

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 enable the creation of a gaming establishment account maintained by a gaming establishment fund management system based on a separately created gaming establishment credit account maintained by an independently operating gaming establishment credit system.

Systems and methods that enable an audit of a gaming establishment marker provided to a user in association with a transfer of funds between a gaming establishment account and a gaming establishment credit system.

The invention relates to the technical field of financial risk control, and discloses an interpretable rural credit evaluation model generation method, which comprises the following steps: constructing a credit relation graph containing entity nodes and relation vectors, calibrating basic credit potential energy values of the nodes, and calculating the credit potential energy values of the nodes according to a credit conduction rule quantified with social relation influence; according to the method, the calculation of isolated individual data is converted into the structured analysis of the credit source of the evaluation object in the social relation network, so that the distortion of the evaluation result can be avoided when the individual data is sparse, and the evaluation accuracy is improved. The objective of the invention is to improve the transparency and traceability of an evaluation process and result, thereby improving the overall reliability and interaction friendliness of a credit system.

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 embodiments of the present invention relate to the field of data processing technology and disclose a data processing method, apparatus, and device based on letters of credit. The data processing method includes: a public credit system receives a letter of credit pool financing application submitted by a prospective financing client, and based on the letter of credit pool financing application, queries an international settlement system for a judgment result on whether the prospective financing client meets the conditions for entering the letter of credit pool to handle financing business; if the judgment result is that the conditions are met, the public credit system establishes a target financing business in the letter of credit pool based on the letter of credit pool financing application; the public credit system calls the financing limit corresponding to the prospective financing client in the international settlement system based on the target financing business; the public credit system verifies the financing limit and initiates a financing process to a user interaction unit based on the financing limit and the target financing business. This application achieves the technical effect of improving the processing efficiency and processing diversity of the financing business processing method.

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 discloses an XGBoost-based credit risk prediction method and device, and a medium, and relates to the technical field of financial science and technology. The method comprises the steps of collecting multi-dimensional data of a borrower, and performing cleaning and standardization processing; extracting three types of core risk characteristics of shareholder control, financial health and repayment ability through factor analysis; in combination with transaction record data, a multi-classification model is trained by using XGBoost, and the generalization ability is improved through parameter tuning; screening high-contribution-degree variables based on feature importance, and eliminating redundant features; and deploying the optimization model to a credit system, outputting a five-level classification result in real time, and dynamically updating the model to adapt to business changes. According to the method, through feature dimension reduction, model optimization and dynamic deployment, the credit risk classification precision and real-time performance are remarkably improved.