8 results about "CreditCard" patented technology

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 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.

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.

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 disclosure relates to the technical field of data processing, and particularly relates to a risk prediction method and device, electronic equipment and a storage medium. The specific implementation scheme is: obtaining application information and electric verification information of a target user; obtaining a first risk assessment result based on the application information and the electric verification information by using a first risk assessment model; obtaining a second risk assessment result based on the application information and the electric verification information by using a second risk assessment model; and obtaining a third risk assessment result based on the first risk assessment result and the second risk assessment result. Through the first risk assessment model and the second risk assessment model, automatic approval of a credit card is realized, and the identification ability of client fraud risk behavior is strengthened.

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.

Systems and methods for providing unified access to benefits for financial accounts are disclosed. In one embodiment, a method may include: (1) retrieving, by a benefits computer program executed by an electronic device, an identification of an active credit card issued to a cardholder; (2) retrieving, by the benefits computer program, card benefits for the active credit card from a card benefits database; (3) retrieving, by the benefits computer program, cardholder benefit information for the cardholder; (4) calculating, by the benefits computer program, a benefits value score based on the cardholder benefit information, wherein the benefits value score comprises a list of the card benefits for the active card, a value of each of the card benefits, and an enrollment status for each of the card benefits; and (5) displaying, by the benefits computer program, the benefits value score on an electronic device.