116 results about "Customer identification" patented technology

A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes recalculating the amount in which the customer is approved for a mortgage based upon the new information received.

The embodiment of the invention discloses an embedded subscriber identity module (eSIM) card changing method and related equipment, and the method comprises the steps that an authentication server receives a first card changing request sent by terminal equipment, and the first card changing request comprises a user account, a password, a user number and an eUICC chip identifier; verifying the user identity of the terminal equipment according to the user account and the password; and if the verification is passed, a second card changing request is sent to an operator service support system (BSS), the second card changing request comprises the user number and the eUICC chip identifier, the second card changing request is used for indicating the BSS to complete eSIM card changing, and an eSIM server is notified to generate an eSIM configuration file and associate the eSIM configuration file with the eUICC chip identifier. By adopting the embodiment of the invention, the eSIM card changing process is simplified, and the eSIM card changing efficiency is improved.

Some embodiments provide systems comprises: a customer database; a product database; a training data database; a customer evaluation system configured to implement one or more machine learning acceptance probability models to identify an acceptance likelihood factor, and determine whether the each respective customer has a corresponding acceptance likelihood factor greater than a likelihood threshold value; and a plurality of point of sale (POS) systems configured to complete sales transactions, obtain customer identifying information, and communicate the customer identifying information to the customer evaluation system; wherein the customer evaluation system is configured to communicate customer information to the payment method offer entity when the customer has an acceptance likelihood factor greater than a likelihood threshold value, receive authorization to present the customer with a payment method offer, and to present the payment method offer.

The invention relates to the technical field of data analysis, can be applied to business system platforms of financial science and technology, medical health and the like, and discloses an abnormal customer identification method, device, equipment and medium based on multi-modal data, and the method comprises the steps: constructing a heterogeneous network diagram corresponding to a target customer according to multi-source data; extracting a sub-graph mode in the heterogeneous network graph according to a transaction detection demand, and extracting text semantic features and image features corresponding to the sub-graph mode; performing feature fusion on the text semantic features and the image features, and analyzing an abnormal mode corresponding to a target fusion feature by using a time sequence; updating the multi-source data of the target customer in real time by using incremental learning, and updating model parameters of a preset federated learning model according to the updated multi-source data; and performing score analysis on the abnormal mode by using the updated federal learning model, and when the target score is greater than a preset score threshold, determining the target customer as an abnormal customer. And the accuracy of abnormal customer identification is improved.

The present invention provides a system and method for customer identification and address verification during onboarding, integrating multi-layered authentication mechanisms to enhance security and prevent fraud. The method for customer identification and address verification during onboarding involves a multi-step authentication process integrating geolocation validation, triggering the document verification, and facial recognition. Additionally, the system includes client executive devices, field devices, and a server unit that work in coordination to verify customer identity and location in real time. This AI-driven, automated identity verification system and method ensures fast, accurate, and highly secure customer onboarding, making it ideal for banks, financial institutions, and fintech companies.

The invention relates to the technical field of relation identification management and control, and discloses a group customer identification management and control method and system based on a knowledge graph, and the method comprises the following steps: constructing a relation graph between enterprises; automatically generating an optimal graph database query statement by utilizing a machine learning technology, and identifying an association relationship between enterprises; calculating the comprehensive association strength between the enterprises and determining the association hierarchy of the association strength between the enterprises; and configuring a corresponding management and control rule for management and control based on the association hierarchy of the association strength between the enterprises. According to the method, the optimal graph database query statement can be automatically generated, and a multi-layer stock equity relationship, an entrusted payment relationship, a login equipment relationship, a commercial cooperation relationship and a legal litigation relationship are effectively mined and analyzed, so that potential commercial groups or risk groups are revealed; the problem that a traditional data analysis method dependent on a table is often low in efficiency and not visual enough when processing complex and multi-level equity relations is effectively solved.

The application relates to the technical field of electronic equipment, in particular to a method for flashing an operating system, which comprises the following steps: generating restriction information containing a customer identification ID and an image validity period, encrypting the restriction information as a file header through the customer identification ID, forming a double-encrypted file by encrypting the main body of the image with the restriction information; binding a flashing tool with the customer identification ID and hardware information of a flashing device, decrypting the file header and checking the consistency of the customer identification ID and the image validity period in the restriction information after checking the legality of the binding; decrypting the main body of the image and burning it to a target device after the checking, and clearing temporary data after the burning is completed. The double-encryption mechanism prevents the image from being leaked and tampered with, the hardware binding realizes the authorization checking in an offline scene, the multi-dimensional checking such as the validity period and the file size precisely controls the use range of the image, and the safety and controllability of the flashing process are effectively improved.

To provide a commodity sales data processing device and program enabling a customer to receive an electronic receipt by simply carrying a customer medium, and capable of giving a privilege to the customer.SOLUTION: In a POS terminal that is a commodity sales data processing device, a control unit 11 includes: first transmitting means for, when first customer identifying information that identifies a customer who receives electronic receipt data relating to the details of a transaction is input from an input unit, generating the electronic receipt data relating to commodity sales data, and for transmitting the generated data to an external device together with the first customer identifying information; and privilege creating means 112 for, when receiving second customer identifying information from an external device that stores the first customer identifying information and the second customer identifying information that identifies a customer who receives a privilege in association with each other, creating privilege information based on the transaction in response to the transmission of the first customer identifying information by the first transmitting means.SELECTED DRAWING: Figure 9

Provided is an information processing method for a transport plan creation server, comprising: acquiring a transport request including customer identification information, a riding date and time, a riding position, and a get-off position from respective terminals of a plurality of customers who want to transport a vehicle; on the basis of a plurality of transport requests, a temporary transport plan for allocating a plurality of customers to a plurality of vehicles so as to satisfy a predetermined restriction condition is periodically created. And outputs travel notification information for notifying the travel from riding to getting off to the customer allocated to the temporary transport plan to the terminal of the customer allocated to the temporary transport plan.

This application discloses a method, apparatus, electronic device, medium, and product for identifying household customers based on a federated model, relating to the field of federated learning technology. The method for identifying household customers based on a federated model includes: collecting raw customer data, wherein the raw customer data includes at least one of the following: operator data, social data, e-commerce data, vehicle usage data, location data, or smart home data; inputting the raw customer data into a preset household group identification federated model to obtain multiple sets of household group data; inputting each household group data into a preset high-value customer identification federated model to obtain high-value customer identification results, wherein the high-value customer identification results include high-value tags corresponding to the household group data. The technical solution of this application solves the problems of low accuracy and data security risks in current identification schemes for high-value household customers.

The invention relates to the technical field of data analysis and processing based on IAO and LSTM algorithms, and discloses a logistics industry customer identification method. Comprises: obtaining customer data; establishing a customer long-term business volume prediction model through an LSTM (Long Short-Term Memory) network; generating an IAO algorithm based on the AO algorithm; using an IAO algorithm to optimize the customer long-term business volume prediction model, and generating an IAO-LSTM-based customer long-term business volume prediction model; a prediction result is generated through an IAO-LSTM-based customer long-term business volume prediction model, information integration is carried out, a comprehensive score is generated through an analytic hierarchy process, and waist customer information is generated; sending the waist customer information to the collaboration end, receiving feedback information, adjusting an analytic hierarchy algorithm and the weight of the customer long-term business volume prediction model based on the IAO-LSTM, and optimizing the waist customer information; the method has the advantages of improving the data screening efficiency and improving the data screening accuracy.

To provide a billing amount processor, a billing amount processing method, and a billing amount processing program capable of setting a monthly repayment sum on the customer side in an extreme-type loan contract, thereby shortening a repayment term and reducing a bad debt risk on the financing side.SOLUTION: A billing amount processor comprises: a monthly repayment sum setting mask in which an outstanding loan balance is associated with a monthly repayment sum and registered; a storage area for storing contract data including customer identification, the date of contract, the date of cancellation, an extreme amount, a credit limit, a credit frame, a loan interest rate, a delinquency interest rate, and the monthly repayment sum updated on the basis of the outstanding loan balance after loan transactions by referring to the monthly repayment sum setting mask, and monthly repayment sum change data which is set upon the customer's request and includes the customer identification and the monthly repayment sum after the change; and a billing amount calculation unit for comparing the monthly repayment sum in the contract data with the monthly repayment sum after the change in the monthly repayment sum change data for a target month and year and determining the higher amount as the billing amount.SELECTED DRAWING: Figure 1

Provided is a customer identification method which monitors a real-time status inside a store and identifies the same person in the store. The customer identification method comprises the steps of: receiving, from an Internet of Things (IoT) device installed in a store, a first face image vector obtained by encoding a face image of a customer detected inside the store; searching for a plurality of second face image vectors corresponding to a preset search range among data stored in advance in a vector database; calculating, as a value, a first potential that for each of the plurality of second face image vectors, the person corresponding to the first face image vector is the same as the person corresponding to the second face image vectors, and selecting, among the plurality of second face image vectors, a face image vector determined to have the highest first potential as a third face image vector on the basis of the calculated value; and determining that the person corresponding to the first face image vector is the same as the person corresponding to the third face image vector when the number of times the third face image vector has been selected as the face image vector determined to have the highest first potential reaches a predetermined first reference value.

To enable a plurality of users belonging to different customers to use one image forming apparatus via a print server.SOLUTION: The print server includes a first reception unit configured to receive first user information of login from the terminal, a first acquisition unit configured to acquire first customer identification information corresponding to the first user information, a second reception unit configured to receive a registration code of the image forming apparatus input by the terminal, and a second acquisition unit configured to acquire identification information of the image forming apparatus corresponding to the registration code. The information processing apparatus includes a registration unit configured to, in a case where second customer identification information different from the first customer identification information is registered, register the first customer identification information and the second customer identification information in the identification information of the image forming apparatus, and a first transmission unit configured to, based on a print instruction from the terminal, transmit a print job to the image forming apparatus corresponding to the identification information of the image forming apparatus in which the first customer identification information is registered.SELECTED DRAWING: Figure 6

An information processing device and a program for efficiently conducting product sales activities in financial institutions are provided. [Solution] The information processing device comprises: a selection receiving unit that receives from a user a selection of a predictive model from among a plurality of predictive models for predicting a score indicating the probability of contract success, the predictive model being machine-learned using training data that can correlate with the success or failure of a contract for a product offered by a financial institution; a customer data receiving unit that receives input of customer data in which customer identification information and the plurality of variables are associated; an extraction unit that extracts one or more variables from the plurality of variables contained in the customer data that correspond to the predictive model selected by the selection receiving unit from the user; a generation unit that generates customer data to which the score has been assigned by inputting customer data that includes at least the one or more variables extracted by the extraction unit into the predictive model; and an output unit that outputs the customer data to which the score has been assigned.

Systems and methods are provided to provision a customer-specific identifier in cloud-based communications systems so that when a communication arrives at the network services provider, it is identified as being associated with the customer, even when the customer information would otherwise not be available. In examples, when a customer orders communication services from the network services provider (or associates the communication services with a third-party Internet telephony service), the network services provider provides the customer a unique identifier that is provisioned into that customer's instance of the third-party Internet telephony service. When the customer makes a call using the third-party Internet telephony service, the identifier is inserted into the communication (e.g., in a SIP header). The identifier is extracted when the communication is received at the network services provider and used to identify the customer so that appropriate services, service levels, etc. can be applied to the call.

An object of the system according to the embodiment is to evaluate market suitability of a business idea of a user and provide a specific action plan.SOLUTION: A system includes an idea input part, a market evaluation part, a customer specification part, and a competition analysis part. The idea input unit inputs an idea of a user. A market evaluation part evaluates the market needs on the basis of the idea input by the idea input part. A customer specification part specifies a target customer layer on the basis of the market needs evaluated by the market evaluation part. The competition analysis unit analyzes a situation of a competitor based on the target customer layer specified by the customer specification unit.SELECTED DRAWING: Figure 1

To enable, in a case of causing a device that cannot transmit coin information about coins processed by a host device independently to a banking server to process the coins, the coin information to be transmitted to the banking server without performing significant system modification.SOLUTION: Provided is a coin processing system including: a first device that processes at least coins; a second device that processes coins and cannot transmit coin information about coins processed by a host device independently to a banking server; and an output device that outputs transaction identification information for identifying a transaction of coins in the second device. The second device transmits, to the first device, the coin information and the transaction identification information output from the output device. Upon receipt of the coin information and the transaction identification information from the second device, the first device transmits, to the banking server, the coin information and customer identification information for identifying a customer associated with the transaction identification information.SELECTED DRAWING: Figure 1

There are provided systems and methods for the purchase of age-restricted merchandise without requiring the transmission of biometric information. In one form, the system includes: age-restricted merchandise items offered for sale to customers, a server that receives orders from customer devices, and a customer database containing a plurality of customer records. The system may further include: a control circuit that queries a customer whether the customer opts in to the use of local biometric authentication to enable the purchase of age-restricted merchandise items; receives customer identification proof documentation; associates a unique identifier corresponding to the customer device; stores the customer's opt in agreement, the customer's identification proof documentation, and the unique identifier associated with the customer device; receives an order for the purchase of an age-restricted merchandise item and the unique identifier; confirms local biometric authentication; verifies the customer's identity and age; and authorizes completion of the purchase transaction.

An online concierge system facilitates ordering, procurement, and delivery of items to a customer from physical retailers based on shared cart recommendations. Based on customer identifying information and other data sources, the online concierge system may recommend prepopulated shared carts that may be of interest to a customer. The prepopulated carts may be associated with other users of the online concierge system or may be associated with specific events, locations, or other metadata. Prepopulated carts may be created by other users that select to share their carts. Additionally, prepopulated carts may be created and shared by retailers, manufacturers, wholesalers, or other stakeholders in the selling of items through the online concierge system. Furthermore, recommended carts may be automatically generated based on machine learning techniques.

To further suitably implement membership card reading.SOLUTION: A registration device includes: clerk identification information acquisition means for acquiring clerk identification information by which a clerk can be identified; customer identification information acquisition means for acquiring customer identification information of a customer; and guidance means for outputting guidance information to the clerk. When the customer identification information is acquired by the customer identification information acquisition means before the clerk identification information is acquired by the clerk identification information acquisition means, the guidance means outputs the guidance information to the effect that the clerk identification information is acquired.SELECTED DRAWING: Figure 1

[Problem] To provide an information processing device and an information processing method enabling assistance of sales and marketing to a customer who belongs to an organization. [Solution] An information processing device 10 according to the present disclosure comprises: a database 11 that stores sales and marketing information related to sales and marketing to a customer, attribute information related to an attribute of the customer, organization identification information that allows identification of an organization to which the customer belongs, and organization sales performance information on the sales performance of a predetermined product with respect to the organization, in association with customer identification information that allows identification of the customer; a customer sales performance prediction unit 12 that predicts a customer sales performance, which is the sales performance of the product to the customer, for each organization identification information on the basis of at least the sales and marketing information and the organization sales performance information; and a use probability prediction unit 14 that predicts the probability that the customer sales performance is a predetermined value or greater on the basis of the attribute information as a use probability of the product.

The present invention discloses an autonomous network community management system based on blockchain technology. The network management system includes a customer identification module, a commodity sampling module, and a network navigation module. The customer identification module is used to identify the customer flow in each area of the community supermarket. The commodity sampling module is used to calculate the sales situation of the commodities on the floor stacks in each area. The network navigation module is used to move the positions of the floor stacks in each area according to the customer flow and the sales situation of each commodity floor stack. The customer identification module includes an infrared sensing module, a counting module, and a timing module. The commodity sampling module includes a quality sensing module and a popularity analysis module. The network navigation module includes a positioning module, an arrangement matching module, and a mobile navigation module. The popularity analysis module is electrically connected to the arrangement matching module. The present invention has the characteristic of controlling the movement of the floor stacks for placing commodities according to the actions of customers taking and putting back.

The invention discloses a target customer identification method and device for a business scene and a storage medium, and relates to the technical field of data processing, and the method comprises the steps: determining customer potential features and customer adaptability features corresponding to a target business scene in customer information according to the target of the target business scene; inputting the customer potential characteristics into a preset potential prediction model to obtain a potential probability value of the customer; when the potential probability value meets a preset potential condition, determining that the customer is a high-potential customer; inputting the customer adaptability feature corresponding to the high-potential customer into a preset matching degree evaluation model to obtain a adaptability probability value of the high-potential customer; and confirming the high-potential customers of which the adaptability probability values meet a preset adaptability condition as target customers of the target business scene. Through dual-target collaborative screening, a new customer group meeting two project objects of high business potential and high business conformity at the same time is screened out, so that the accuracy of customer identification is improved.

A method for measuring in-store media exposure includes an initial step of providing a cart to a customer and that includes an emitting device. As the customer moves the cart around a store, which also includes a plurality of advertising displays, cart location data is collected. At a point of sale terminal or checkout locations, customer identification data is obtained from the customer and is associated with the cart location data to thereby measure an effectiveness of the advertising displays in modifying purchasing behavior of the customer. Systems for measuring such in-store media exposure are also provided and comprise a plurality of carts having emitting devices, a plurality of advertising displays positioned around a store with each advertising display including a reading device configured to record cart and time data, and a central computer configured to receive the data and measure the effectiveness of the advertising displays.

The invention relates to the technical field of electronic equipment, in particular to a flashing method of an operating system, which comprises the following steps of: generating limit information containing a customer identifier ID and a mirror image validity period, encrypting the limit information as a file header through the customer identifier ID, and encrypting a main body of a mirror image by the limit information to form a double-encrypted file; binding the flash tool with the client identifier ID and the flash equipment hardware information, verifying the binding legality, decrypting the file header, and verifying the consistency of the client identifier ID in the limit information and the validity period of a mirror image; and after the verification is passed, decrypting the main body of the mirror image and burning the main body to the target equipment, and clearing the temporary data after the burning is completed. According to the method, the mirror image is prevented from being leaked and tampered through a dual encryption mechanism, authorization verification in an offline scene is achieved through hardware binding, the use range of the mirror image is accurately controlled in combination with multi-dimensional verification such as the period of validity and the file size, and the safety and controllability of the flash process are effectively improved.

The application discloses a kind of customer credit rating method and system based on heterogeneous time lag risk transmission.The method constructs multi-source risk event library, records event type, occurrence time stamp and associated customer identification;Through time series analysis of historical default cases, the latent period length, peak impact intensity and decay half-life of each event type are determined using Weibull distribution fitting;For the customer to be rated, call the transmission parameters according to the event type, calculate the residual impact intensity with a multi-channel decay function and sum, generate a dynamic risk accumulation score;Input the accumulated score into the pre-trained mapping model to generate a time-effect correction factor to correct the basic credit score;In the group multi-agent scenario, align and calibrate the time of each subsidiary rating snapshot and synthesize it with weight, output the cross-agent comprehensive credit score.The application effectively solves the rating lag problem caused by the dispersion of multi-source risk transmission rate, improves the timeliness and accuracy of rating.

The invention provides a potential customer identification method and device, equipment, a medium and a program product, relates to the technical field of artificial intelligence, and can solve the problem that the accuracy of potential customer identification is poor. The specific technical scheme is as follows: in response to a first input for at least one group session in a session list interface, obtaining session data of each group session in the at least one group session; extracting a session feature vector related to the target service in the session data of each group session through a potential level determination model, and determining potential levels of all contacts in at least one group session based on the session feature vector and a potential level determination rule; and sending different messages related to the target business to the contacts of different potential levels. The accuracy of identifying potential customers is improved.

The application provides a cross-agency data interaction method and system. The cross-agency data interaction method comprises the following steps: receiving a request content sent by a data query party; verifying the legitimacy of the unique code of the agency of the data query party according to a member query permission list; forwarding a first customer identification commitment value to a target data provider based on the legitimacy verification; receiving a first encryption result sent by a plurality of target data providers; verifying the validity of the plurality of first encryption results using a global verification public key; based on the validity verification, performing homomorphic encryption ciphertext addition aggregation on the plurality of first encryption results to obtain a total ciphertext result; encrypting the total ciphertext result using a query party public key to generate a final encryption result; and sending the final encryption result to the data query party. The application realizes unified control of cross-agency queries while ensuring that customer sensitive information is not leaked.

To provide information individually to each customer in accordance with the use state per store of each customer.SOLUTION: When settlement result information is received, a verification processing unit 331 refers to a purchase information database 370 that stores the past purchase history of each customer having paid at each store S, and identifies the past purchase history of a customer identified by customer identification information having paid at a store S identified by store identification information, as a use state at a target store S of a target customer. A message table 390 stores a content template corresponding to the classification of each of a plurality of use states. On the basis of a use state at the target store S of the target customer, a purchase information determination unit 332 determines the classification of the use state. Meanwhile, a message creation unit 333 refers to the message table 390 and creates a message including the content template having been set in correspondence to the classification determined by the purchase information determination unit 332 as a provision content.SELECTED DRAWING: Figure 1