8 results about "Electronic banking" patented technology

The invention discloses a customer type identification method and device, and relates to the technical field of big data, and the method comprises the steps: obtaining customer information; respectively matching the positioning information of the mobile terminal and the registration place information of the electronic bank system of the customer with a place name database, and when the matching result is that the positioning information of the mobile terminal and the registration place information of the electronic bank system of the customer are matched with the place name information of a specified type, acquiring family information of the customer according to the unique identifier of the customer; analyzing family information of the customers in a pre-constructed customer relationship network by using a graph theory algorithm, and classifying the customers into the families to which the customers belong; analyzing the Enger coefficient of the family to which the customer belongs; and determining the customer type according to the Enger coefficient of the family to which the customer belongs, so that the accuracy and efficiency of determining the customer type can be improved.

The application discloses a kind of electronic bank dynamic flow control method and system based on multidimensional data fusion, belong to data processing technical field.The method includes: the multiple-source data in electronic bank system is collected and unified structured processing is carried out;Dynamic baseline is generated based on historical transaction data using sliding window algorithm, and dynamic baseline is corrected in combination with real-time cluster load state;Business priority and multi-tenant priority are calculated, and after dynamically adjusting weight coefficient according to load factor, weighted summation is obtained to obtain comprehensive priority;According to the comprehensive priority, generate token bucket parameters, execute service level throttling and interface level throttling, and dispatch requests according to queue weight proportion;The execution result is collected and returned to update dynamic baseline and calculation parameters.The application realizes adaptive adjustment and differentiated resource guarantee of throttling parameters through the synergistic effect of dynamic baseline calculation, comprehensive priority model, hierarchical throttling execution and closed-loop feedback.

A cash recycler is described. The cash recycler includes a communication device connected to a core network of a bank; an internal vault; an input bin for receiving bank notes; an output bin; a counter having sensors that count and evaluate bank notes for fitness, authenticity, and denomination, and a conveyor configured to convey the bank notes into the internal vault; a user interface including control circuitry configured to authenticate a non-teller user by accessing authentication information via the communication device based upon bank account records within a bank database; and a cash dispenser configured to transfer bank notes from the internal vault to the output bin upon authentication of the non-teller user and a transaction.

The invention discloses a cross-system data integration and value layering method based on customer numbers, and belongs to the field of digital marketing and financial science and technology. The method comprises the following steps: cleaning and standardizing source data of an electronic bank, credit management and customer channel system by taking a customer number as a unique association key to form a unified customer view; based on the view, non-linear fitting is carried out on the non-sensitive features by utilizing a gradient boosting tree model, and a customer value sorting result is generated; screening target clients according to the value sequence, and outputting a desensitization list only containing client numbers; and a full-process automatic closed-loop system covering data integration, portrait generation, multi-channel touch and effect tracking is constructed, and data interaction and task distribution among the modules are realized through an API (Application Program Interface). According to the method, the cross-system data integration efficiency and the accuracy and automation level of customer value layering are improved.

The invention provides an asset query method and device, which can be used in the financial field or other fields. The method comprises the following steps: acquiring a first query request sent by a query terminal, and processing the first query request sent by the query terminal by using a preset asset query strong authentication dual-algorithm model to obtain a customer identifier; obtaining first effective verification information and second effective verification information corresponding to the customer identifier in a preset aging region; and obtaining customer asset information sent by the generative artificial intelligence server through an asset query encryption packaging interface by using the first effective verification information and the second effective verification information, and feeding back the customer asset information to a customer through a query terminal. According to the method, convenient and brand-new asset and liability management services are provided for clients, the clients do not need to open all electronic banks to inquire assets and then carry out single superposition, all assets under the name can be inquired clearly at a glance, and the convenience of asset inquiry is improved while data safety is guaranteed.

The invention discloses a login method and device of an electronic bank, a program product and electronic equipment, and relates to the field of financial science and technology or other related fields, and the login method comprises the steps: detecting a login environment where a user terminal is located under the condition that a user initiates a login request through the user terminal, the method comprises the following steps: generating a verification request through a server of an electronic bank under the condition that a login environment is a safe environment, verifying the verification request through a user terminal, signing the verification request by adopting a preset private key under the condition that the verification is passed to obtain a signature result, and verifying the signature result through the server based on a preset public key to obtain a verification result. And executing the login request under the condition that the signature verification is passed. According to the method and the device, the technical problem that the security is relatively low when the user logs in the electronic bank in the related technology is solved.

The invention provides an automatic data destruction processing method and device, relates to the technical field of information security, and can be used in the financial field or other technical fields. The method comprises the following steps: monitoring a hardware state of a part in the terminal equipment; determining a state recognition result of the terminal equipment according to the hardware state monitoring result of each part; according to the state identification result and a self-destruction control strategy preset by a terminal equipment user, carrying out automatic destruction processing on electronic bank related data in the terminal equipment; wherein the self-destruction control strategy comprises self-destruction switch control and self-destruction sensitivity control. The device executes the method. According to the automatic data destruction processing method and device provided by the embodiment of the invention, the user information of the terminal equipment is not leaked, and the flexibility of automatic data destruction processing control can be improved.

The present invention discloses a method and device for parallel operation of database dual writing in a domestic database switching environment, which belongs to the field of database technology. The method includes the following steps: according to a database operation request, by intercepting a database component, asynchronously initiating a domestic database operation in accordance with a predetermined configuration and multi-threading, and adopting two methods to perform database dual writing; parallel execution of different SQL statements with the same SQL identifier in the process of switching a domestic database in an electronic banking system; adopting a method of persistently running a target database in a production environment, continuously collecting the operating indicators of the target database in the production environment, using persistent data to measure the indicators of the target database running in the production environment as a measure of whether the target database reaches the standard of switching a source database, and performing target database verification. The present invention ensures that the target database is fully verified during the switching process between the target database and the source database, and reduces the unpredictable impact of the domestic database on the application.