62 results about "CreditCard" patented technology

A methodological technical approach is proposed herein that utilizes historical data to employ a heuristic optimization algorithm for data message routing. While not specifically limited to the banking sector and financial institutions, as a practical example, the approach can utilize historical data relating to patterns of transactions for analyzing customer behavior and detecting fraudulent activities. For example, trajectory mining can be used to analyze the transaction patterns of credit card users, or behavioural patterns of mobile banking users, such as checking account balance, transferring funds and paying bills.

To provide a terminal capable of recognizing that settlement cannot be performed in a stage before trying the settlement by a settlement server when a user owns a credit card to be used for the settlement and another credit card in which a part of card face information is the same.SOLUTION: The device 10A includes a determination unit 113 that, when an operation of the user U instructing credit settlement using a first credit card is received, determines whether or not first information identical to first information relating to the first credit card is also stored in a storage device 12A storing first information that is a part of identification information uniquely identifying each of a plurality of credit cards that the user U can use for credit settlement, and a display control unit 114A that, when a determination result of the determination unit 113 is affirmative, displays, on a display, that credit settlement cannot be performed.SELECTED DRAWING: Figure 3

To improve convenience of a user.SOLUTION: An acquisition unit configured to acquire credit settlement information regarding a settlement transmitted in response to a user using a credit card at a member store of a credit card, and identify second user identification information managed in a service that provides a first benefit corresponding to first user identification information for identifying the user included in the credit settlement information; A processing unit configured to specify second member store identification information managed in the service corresponding to first member store identification information for identifying the member store included in the credit payment information, and apply the first privilege to the payment of the credit payment information when the first privilege applied to the payment of the credit card at the member store of the second member store identification information is associated with the second user identification information in the service.SELECTED DRAWING: Figure 1

1. Name of the design product: bank card. 2. Use of the design product: used as a bank card, such as a credit card or a debit card. 3. Design points of the design product: in the pattern. 4. Picture or photo that best indicates the design points: front view. 5. The design product is a thin product, and the left view, right view, top view, and bottom view are omitted.

The invention relates to the technical field of block chains, and discloses a block chain-based card surface pattern information management method and device, a medium and equipment, and the method comprises the steps: storing a digital file of a credit card surface pattern into a distributed storage system, and obtaining a corresponding content identifier; performing NFT casting by using the smart contract of the block chain, generating an unallocated card surface NFT, and recording the unallocated card surface NFT in the block chain; after the application of the user credit card is passed, the card surface NFT is bound with the user credit card, and then the state of the card surface NFT is updated to be allocated; and making an entity credit card based on the digitized file corresponding to the allocated card surface NFT, and transferring the ownership of the card surface NFT to the block chain address of the corresponding user after the entity credit card is activated. According to the method, the card surface pattern is bound with the life cycle of the credit card, so that the card surface pattern is converted from a static pattern to a digital asset which is synchronous with the physical card state, and the digital value bearing capacity of the credit card is improved.

The application provides a gift recommendation method, device and equipment and a storage medium; the method in the application comprises the following steps: receiving a gift recommendation request, extracting a target user corresponding to the gift recommendation request and user attribute characteristics of the target user; extracting historical user comments of the target user according to the user attribute characteristics, and performing sentiment tendency analysis on the historical user comments to obtain positive user comments; obtaining evaluation commodities corresponding to the positive user comments and target gift categories corresponding to the evaluation commodities, obtaining candidate gifts corresponding to the target gift categories in a preset gift database; obtaining historical gift comments of the candidate gifts, determining target gifts to be recommended according to the historical gift comments and the positive user comments, and recommending the target gifts to the target user. The target gifts that the target user is interested in are determined according to the historical user comments of the target user, and the recommendation accuracy of credit card gifts is improved.

Flexible switching of authentication methods depending on the user's status. [Solution] A credit card payment management system for managing payments by credit card, comprising: an information management unit that manages information of credit card users using a storage unit; and an authentication processing unit that, when it receives notification from an electronic payment service management device provided by a business other than the credit card business operator that the user has registered the credit card as a means of payment for an electronic payment service provided by a business other than the credit card business operator, sends back a list of authentication methods to the management device, wherein the authentication processing unit changes the list of authentication methods according to the user information stored in the storage unit.

The invention discloses a method for determining the card number of a credit card of a user and a related device, and relates to the field of finance, and the method comprises the steps: dividing a sequence number range of the credit card into a plurality of fragments, and determining a current fragment corresponding to a non-optional user based on an identification code of the non-optional user and a bank identification code; inquiring whether a card number corresponding to the current number constructed based on the bank identification code and the current sequence number in the current fragment sequence number range exists in a preset card number library or not; if not, calculating the current card number, adding the current card number meeting a preset card number rule to a preset card number library, and determining the current card number not meeting the preset card number rule as the card number of the credit card of the user; if yes, the card number of the credit card of the user can be determined based on the current state of the card number corresponding to the current number; in the process, high-quality card numbers are dynamically identified and merged into the card number library, no-value card numbers are prevented from entering the library, lightweight management of the card number library is realized, and the utilization rate of the card numbers in the card number range of the credit card is improved.

This product is an integrated circuit card (IC card) used for credit cards, etc.

Automatic notification system that uses the user's geolocation to identify nearby stores and, through integration with APIs of credit card issuers and benefits programs, notifies users of available discounts in real time. The solution is completed with a digital wallet that allows direct payment from the application with the most convenient card. This system optimizes the user experience by centralizing benefits and simplifying the payment process.

In some examples, a method is included for converting and exchanging loyalty points. The method includes generating, by a computing system, records that include relationship information linking a credit card of a credit card issuer to loyalty rewards program entities. The method includes converting card issuer points of the issuer to loyalty rewards program points of one loyalty rewards program entity of the program entities according to a point conversion rule. The loyalty rewards program points can be issued by the one loyalty rewards program entity to a corresponding loyalty rewards program account of a cardholder of the card after the conversion and according to the point conversion rule. And, the conversion of the card issuer points to the loyalty rewards program points can include a two-step conversion including converting the card issuer points to intermediate points and then converting the intermediate points to the loyalty rewards program points.

Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and / or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.

The present invention is directed toward a minimalistic card wallet similarly sized to the width and length dimensions of a credit card. The card wallet is designed interchangeably with an elastic band for expansion to provide the maximal amount of compartment space for card-like contents as well as paper currency. The card wallet is formed in a minimal profile and design that is snag-free, easy to use, and comfortable in pockets. The card wallet allows for ease of access to card-like contents by a pull strap and is encased in RFID blocking materials made from beveled aluminum metal and soft leather or carbon fiber for carrying comfort and simplicity.

Systems and methods related to a ticket vending machine are described herein. An example ticket vending machine includes a digital touch screen designed to output a user interface, the user interface designed to support at least one of an audio control, a tactile control, or combinations thereof, and a barcode reader. The ticket vending machine may also include a ticket dispenser including at least one of a smart card dispenser, a paper ticket printer, a receipt printer, or combinations thereof. The ticket vending machine may further include a fare validation system including a credit card terminal and a currency validation system, wherein the currency validation system includes a coin validation device, a currency hopper, and a bank note recycler. A housing is designed to house the digital touch screen, the barcode reader, the ticket dispenser, and the fare validation system for the ticket vending machine.

The invention provides a multi-card organization data processing method and device, equipment, a medium and a program product, and relates to the field of distributed data. The method comprises the following steps: screening credit cards of a user based on card holding information and right activity information to obtain credit cards conforming to the right activity information; performing activity matching on the credit card conforming to the right activity information and a first target activity selected by the user to generate activity registration request data; and organizing a credit card corresponding to the activity registration request data to a server through asynchronous thread parallelism so as to complete activity registration of the user. According to the scheme, the cards meeting the activity conditions in the cards owned by the user are screened based on the right and interest activity information, so that the manual selection burden of the user is reduced, centralized processing of cross-card organization right and interest activities is realized, and the registration efficiency is improved; and meanwhile, the registration requests are sent to a plurality of card organization servers through asynchronous thread parallelism, so that the risk of registration failure caused by manual input errors is reduced.

The invention provides a data thermal migration method and device based on credit card business and electronic equipment. The method comprises the following steps: synchronizing to-be-migrated data of a source system to a transition system, controlling the source system to stop running, processing a credit card service by adopting the transition system, and migrating the to-be-migrated data of the source system to a target system at a first time point; determining a time point at which all the to-be-migrated data is migrated to the target system as a second time point, and obtaining incremental data generated by the credit card service processed by the transition system between the first time point and the second time point; and migrating the incremental data to the target system, controlling the transition system to stop running under the condition that all the incremental data are migrated to the target system, and processing the credit card service by adopting the target system. The problem that an existing credit card service online migration scheme is high in technical complexity, and consequently migration cost is high is solved.

The application provides a method and system for batch processing based on account dimension, terminal equipment and storage medium, and relates to the field of computer systems. The application processes according to the customer dimension, which is more in line with the current credit card business demand scene. The current scheme is a scheme that takes into account the highest throughput of the customer processing capability. The file configuration is used to realize processing only for part of the customers, which is convenient for testing. The processing architecture of the application takes the customer as the dimension. All customers in the system are traversed, and then each account under the name of a single customer is processed, so that the customer dimension processing and the account dimension processing can be realized.

Card holder (1), in particular wallet, for holding at least one card (2, 2'), in particular a card corresponding to a credit card format (2, 2'), comprising - a receiving device (3) with a receiving opening (4) and an interior (5), wherein at least one card (2, 2'), in particular completely, can be received into the interior (5) via the receiving opening (4), - at least one ejector device (7) arranged and movably mounted in the interior (5), as well as - at least one actuating means (8) that is mechanically coupled at least partially to the ejector means (7) and is movably mounted, wherein by performing an actuating movement (9) of the actuating means (8) relative to the receiving device (3) from a starting position (10) to an output position (11), at least one card (2, 2') arranged in the receiving device (3) can be moved at least partially out of the interior (5) by means of the ejector means (7) via the receiving opening (4), wherein the receiving opening (4) can be temporarily closed by means of a closing means (23) that is movably mounted and mechanically coupled at least partially to the actuating means (8).

The invention provides a user credit card quota determination method, which can be applied to the technical field of artificial intelligence. The user credit card limit determination method comprises the steps of determining whether a consumption scene of a user belongs to a consumption demand intensive scene according to consumption and browsing contents of the user; under the condition that the consumption scene of the user belongs to the consumption demand intensive scene, obtaining user information of the user, determining a first feature, a second feature and a third feature according to the user information of the user, inputting a user quota-increasing model, and determining a consumption potential score, a risk level score and a scene sensitivity score of the user; the user rating model determines a user comprehensive score according to the consumption potential score, the risk level score and the scene sensitivity score, and determines whether to perform rating on the user according to the user comprehensive score; and under the condition that the quota is determined to be extracted from the user, determining the quota of the user after the quota is extracted. The invention further provides a user credit card quota determination device and equipment, a storage medium and a program product.

Card holder (1), in particular wallet, for holding at least one card (2, 2'), in particular a card corresponding to a credit card format (2, 2'), comprising - a receiving device (3) with a receiving opening (4) and an interior (5), wherein at least one card (2, 2'), in particular completely, can be received into the interior (5) via the receiving opening (4), - at least one ejector device (7) arranged and movably mounted in the interior (5), as well as - at least one actuating means (8) mechanically coupled at least partially to the ejector means (7) and movably mounted, wherein by performing an actuating movement (9) of the actuating means (8) relative to the receiving device (3) from a starting position (10) to an output position (11), at least one card (2, 2') arranged in the receiving device (3) can be moved at least partially out of the interior (5) by means of the ejector means (7) via the receiving opening (4), wherein - the ejector means (7) has at least one actuation area (15) for contact with at least one counter-contact area (83) of the actuation means (8).

To enable a user to easily discriminate a credit card even when a plurality of credit cards are registered to one account of the user.SOLUTION: An information processing apparatus comprising: an acquisition unit configured to acquire an issuance request of a credit card; an issuance unit configured to issue a card number of the credit card based on the issuance request; and a name assignment unit configured to assign a different arbitrary name to each of a plurality of credit cards corresponding to a plurality of card numbers based on an instruction from a user when the plurality of card numbers are issued to one account of the user.SELECTED DRAWING: Figure 8

A card holder (1), in particular a wallet, for holding at least one card (2, 2'), in particular a card (2, 2') corresponding to a credit-card format, comprising - a receiving device (3) with a receiving opening (4) and an interior space (5), wherein at least one card (2, 2') can be received, in particular in its entirety, in the interior space (5) via the receiving opening (4), - at least one movably mounted ejecting means (7), which is arranged in the interior space (5), and - at least one movably mounted actuating means (8), which is at least partly mechanically coupled to the ejecting means (7), wherein, by virtue of an actuating movement (9) of the actuating means (8) relative to the receiving device (3) from a starting position (10) to a dispensing position (11), at least one card (2, 2') arranged in the receiving device (3) can be moved by the ejecting means (7) at least partly out of the interior space (5) via the receiving opening (4).

The invention discloses a credit card adding recommendation method and device, equipment and a medium, relates to the technical field of data processing, and is used for improving the accuracy of recommending a corresponding credit card to a user when the credit card is added. Obtaining effective card information corresponding to each credit card in the credit card list; and then, effective card information corresponding to a target credit card in the credit card list is input into a preset credit card recommendation system, screening of the credit cards capable of being handled is carried out from a card application mechanism according to a preset screening sequence based on the effective card information, and a screening result of the credit cards capable of being handled is obtained and displayed to the user. Through the method, the corresponding credit cards which can be used for loading are directly configured for different types of credit cards, so that a customized and differentiated credit card loading process is realized on a card type level, and a target customer can be matched more accurately.

The present invention proposes an algorithm that combines K-nearest neighbors (KNN), linear discriminant analysis (LDA), and linear regression (LR) models to achieve high recall performance in credit card fraud detection. By applying additional conditional instructions based on the predicted values ​​of each model to derive the final prediction, the invention achieves higher recall performance compared to individual models. This invention can be applied to various datasets, thereby improving the efficiency of credit card fraud detection systems and reducing financial losses.

The invention discloses a credit card quota approval method and device and a storage medium. The credit card quota approval method comprises the steps that when a credit card quota application request of an application user is received, associated information of the user is acquired; performing risk identification on the associated information through a large language model to obtain a risk type of the application user; when it is determined that the risk type is no risk, credit scoring is performed on the associated information through a credit scoring model to obtain a credit score of the user, and an adjustment coefficient is obtained according to the credit score and a coefficient adjustment rule; and adjusting the application quota according to the adjustment coefficient to obtain an approval quota, and feeding back the approval quota to the application user. The association information of the application user is analyzed through the large language model to obtain the risk type, and the approval quota is automatically determined in combination with the credit scoring model and the coefficient adjustment rule under the risk-free condition, so that a personalized quota approval scheme is provided according to the risk characteristics of the application user, and the quota approval efficiency and accuracy are improved.

The present application belongs to the technical field of financial transaction fraud detection, and relates to a self-adaptive label-aware graph neural network credit card fraud detection method, which comprises: obtaining credit card transaction data and inputting the trained credit card fraud detection model to obtain a fraud detection result; the training process of the fraud detection model comprises: obtaining a credit card transaction record data set to construct an initial multi-relation heterogeneous graph; inputting the initial multi-relation heterogeneous graph into a multi-layer graph aggregation layer connected in turn; inputting the node features output by the last layer of the graph aggregation layer into a classification module to obtain a fraud detection result; updating the model parameters according to the fraud detection result until a trained credit card fraud detection model is obtained; in the graph aggregation layer, the graph attention mechanism is used to aggregate the node features for each relation, and a conversion module is used to further process different types of neighbors, so that the node adaptively adjusts the information aggregated from its heterogeneous and homogeneous neighbors, thereby improving the credit card fraud detection task capability.

This invention discloses a credit card fraud identification method based on federated reinforcement learning and multi-level knowledge distillation. It generates minority class pseudo-samples through a stacked encoder-variable encoder-generative adversarial network, concatenating them with the original data to form an enhanced training set. This set is used as the initial policy to update the local gradient according to the objective function. The global policy is updated by averaging the gradients of all clients. A weighted summation loss is obtained by combining label distillation, feature relationship distillation, and standard cross-entropy loss. The gradients in the updated global policy are further fine-tuned. The fraud rate distribution of each client group is obtained based on the transaction fraud rate. Local feature representations are generated within each client group. These representations are concatenated dimensionally on the server and input into the fully connected fusion layer to obtain predicted probabilities. On the server, the current global model parameters are evaluated using the validation set and predicted probabilities. Inference is performed on each test set using the optimal model weights, and the final AUC, F1, and AP results are output, addressing the issue of low coordination efficiency.