18 results about "Financial application" patented technology

Biometrics are increasingly used to provide authentication and / or verification of a user in many security and financial applications for example. However, “spoof attacks” through presentation of biometric artefacts that are “false” allow attackers to fool these biometric verification systems. Accordingly, it would be beneficial to further differentiate the acquired biometric characteristics into feature spaces relating to live and non-living biometrics to prevent non-living biometric credentials triggering biometric verification. The inventors have established a variety of “liveness” detection methodologies which can block either low complexity spoofs or more advanced spoofs. Such techniques may provide for monitoring of responses to challenges discretely or in combination with additional aspects such as the timing of user's responses, depth detection within acquired images, comparison of other images from other cameras with database data etc.

The application provides a kind of supervisory contract rule conflict detection method, it is related to blockchain technology field.The present application takes the supervisory contract code as input, the supervisory rules in supervisory contract are symbolized, and the supervisory rule conflict problem is converted into constraint solving problem using symbol analysis technology, theorem proving is carried out through SMT solver, and each type of conflict in supervisory rule is found, or it is proved that supervisory rule has no conflict.Specifically, it includes type analysis stage, supervisory rule symbolization stage and conflict detection stage.The present application can detect self-conflict, complete conflict, partial conflict and other rule conflict problems of supervisory contract in blockchain financial application, and provides effectiveness guarantee for realizing digitalization of supervisory rules.

A computing system enables retrieval of a device primary account number (dPAN) via open banking, utilizing an open banking system, a token requester server system, and a token service system. The process begins with a financial application on a cardholder's device requesting financial account information and prompting the open banking system to launch a login interface for authentication of the cardholder by the financial account issuer. Upon successful authentication, an authorization code is issued, converted into an authorization token, and sent with account details to the token requester server system. The token requester server system then submits a payment token request to the issuer, which returns a token account receipt. The token service system subsequently processes the receipt to generate the device primary account number (dPAN) and returns the dPAN to the token requester server system.

This application provides an enterprise-level financial big data model platform, relating to the fields of artificial intelligence and fintech. The platform includes: a model layer for collaboratively integrating the capabilities of models with different modalities and parameter quantities, providing model capabilities to the component layer and application scenario layer; a component layer for encapsulating model capabilities into standardized components; and an application scenario layer for calling standardized components corresponding to task requirements based on financial business scenarios, combined with multimodal data, to meet the task requirements of the financial business scenarios. The method of this application improves the development efficiency of financial applications, reduces development costs, and shortens the development cycle by integrating the interfaces of different models through the componentization of big and small model capabilities. Through an automated learning mechanism, it continuously optimizes model capabilities based on actual business feedback, achieving continuous model optimization, enhancing the intelligence of financial applications, and reducing the labor and maintenance costs of commercial banks.

The invention belongs to the technical field of running program management, and relates to an agent code processing method and device, equipment and a storage medium. Matching a program running logic template; identifying whether the program operation logic template is analyzed in advance or not; if yes, obtaining a previous analysis result; if not, analyzing the program running logic template to obtain a target analysis result; converting the analysis result into an executable target form; and running the target agent according to the conversion result of the target form. Before the to-be-recognized program operation logic template is analyzed, the pre-recognition condition is added, the actual analysis condition is combined, repeated analysis is avoided, the analysis result is reasonably reused, and the screening operation efficiency of the target agent can be effectively improved. Especially in the financial application scene or the health medical application field, repeated calling and using of the target intelligent agent can be achieved, and the business aided decision making efficiency is improved.

The invention discloses an intention recognition method and device, a storage medium and electronic equipment. The method relates to the field of artificial intelligence, and comprises the following steps: receiving a target question of a user, the target question being used for consulting an application function in a target financial application; the target problem is processed through an intention recognition model, an intention recognition result is obtained, the intention recognition model is obtained based on training of a training sample set, and training samples in the training sample set are generated based on a data enhancement method; the intention recognition result represents the probability that the intention of the target question is matched with each application function in the target financial application; and determining a target intention of the user based on the intention recognition result. Through the method and the device, the problem of low intention recognition accuracy in related technologies is solved.

A computer-implemented method, system, and non-transitory computer-readable device for activating a remote deposit environment for a financial application on a client device, where the financial application is configured to instantiate a customer interface (UI) on the client device. Upon receiving a customer request, based on interaction with the UI, the method enables electronic deposit of a financial document by activating a camera on the client device to generate a live stream of image data of a field of view of at least one camera, where the live stream includes an image of at least a portion of the financial document. The method continues to extract one or more data fields from the financial document by an optical character recognition program residing on the client device based on the real-time stream of image data and communicate the extracted one or more data fields to a remote deposit server to complete electronic deposit.

The invention provides a rendering method and device applied to financial application terminals, equipment and a medium, relates to the technical field of cloud computing, can be applied to the field of financial science and technology, and the rendering method comprises the following steps: carrying out combined analysis on user agent fields and screen resolution parameters of browsers installed on different financial application terminals to obtain identification information, and storing the identification information in a database; the identification information is used for indicating different financial application terminals; processing the design draft of the target application to obtain a mapping relation between at least one design element contained in the design draft and at least one candidate component; determining a target component from the at least one candidate component based on the identification information of the target financial application terminal and the mapping relationship; and performing page view rendering on the target financial application terminal based on the financial service logic data and the target component to obtain a target view.

Limited data availability poses a major obstacle in training deep learning models for financial applications. Synthesizing financial time series (FTS) to augment real-world data is challenging due to irregular and scale-invariant patterns associated with FTS—temporal dynamics that repeat with varying duration and magnitude. A novel generative framework called FTS-Diffusion is developed, consisting of three modules to model irregular and scale-invariant patterns. First, a scale-invariant pattern recognition algorithm extracts recurring patterns that vary in duration and magnitude. Second, a pattern-conditioned diffusion network synthesizes segments of patterns. Third, the temporal evolution of patterns is modeled in order to aggregate the generated segments. Extensive experiments show that FTS-Diffusion generates synthetic FTS highly resembling observed data, outperforming state-of-the-art alternatives. Two downstream experiments demonstrate that augmenting real-world data with synthetic data generated by FTS-Diffusion reduces the error of stock market prediction by up to 17.9%.

The invention provides an interaction system under registration access application of a supply chain financial application system. The system comprises a Internet access interface layer and a middle interaction layer, the middle interaction layer comprises a registration service unit, an intelligent processing service unit, a file center unit and a data conversion service unit; the Zhonglogin service unit is used for interacting with various interfaces provided by a Zhonglogin network through a plurality of preset interfaces; interfaces of the registration service unit comprise a structured registration interface, a structured state query interface, a duplicate checking interface, a structured data query interface, a historical registration proof acquisition interface and a financing material duplicate checking service interface; the intelligent processing service unit is used for realizing intelligent processing of business data; the intelligent processing comprises data structured processing, data duplicate checking, abnormal condition processing and business scene intelligent identification; the file center unit is used for storing data; and the data conversion service unit is used for performing data format conversion.

The invention discloses a transaction risk identification method and device based on a trusted environment, and an electronic device, and relates to the field of financial science and technology or other related fields, and the transaction risk identification method comprises the steps: determining a target device for executing a transaction under the condition that it is detected that a client starts a preset financial application for transaction, and calling a preset client interface of the target equipment, reading all equipment behavior tags generated based on the non-sensitive data from the trusted environment of the target equipment by adopting the preset client interface, and carrying out risk identification on the transaction based on all the equipment behavior tags so as to take effective protection measures for the risk that a customer possibly suffers from loss. The technical problem that the efficiency of identifying the transaction risk is low is solved.

The invention provides a quantum computing method based on a financial model, electronic equipment and a computer readable storage medium. The method comprises the steps that variable features of the financial model are extracted; calculating importance weights of the variable features in the financial model; determining a precision code corresponding to the variable feature according to the importance weight; determining a corresponding quantum algorithm based on a financial question corresponding to the financial model; and determining a quantum computing framework corresponding to the financial model according to the determined quantum algorithm and the precision code. According to the embodiment, by analyzing the financial model, automatic adaptation of a quantum algorithm and automatic generation of a quantum computing framework are achieved, complete automatic conversion from the financial model to an executable quantum program is achieved, and therefore quantized automatic mapping oriented to financial application is completed.

Provided is a method for providing a user with control over a payment instrument. A financial application hosted in a mobile apparatus generates an enciphered payload comprising an indicator reflecting an agreement of the user to perform a financial transaction involving the payment instrument. The financial application triggers the starting of BLE advertising by the mobile apparatus, advertising data broadcasted by the mobile apparatus comprising the enciphered payload. When engaged in the financial transaction, the payment instrument automatically checks a rule and starts scanning for BLE advertising data if the rule requires a control based on the proximate presence of the mobile apparatus. The payment instrument retrieves said indicator by deciphering the enciphered payload and contributes to the financial transaction according to the indicator. Other embodiments disclosed.

The application discloses a kind of processing methods, device, storage medium and program product of abnormal communication information.It relates to the field of financial technology, including: in response to communication sending request, whether the account information associated with target financial account is recorded in target list, wherein the communication sending request includes: the request initiated by using the short message verification service provided by financial application system;In the case where the account information is not recorded in the target list, the communication sending data associated with the target financial account in the current statistical period is obtained, the communication sending data is security checked, the checking result is obtained, and the communication sending request is processed based on the checking result;In the case where the account information has been recorded in the target list, the communication sending request is processed based on the risk level of the target financial account recorded in the target list.Through the present application, the problem that the effect is poor by setting the number of short message sending in a fixed time to deal with short message bombardment and short message spraying attack is solved.

The invention relates to the technical field of block chain financial application, and discloses an intelligent contract management method and system for bill creditor right circulation. The method comprises the following steps: acquiring creditor's right certificate data of a bill holder, and generating a creditor's right validity verification matrix based on historical transaction records in the creditor's right certificate data; and according to unsettled transaction entries in the matrix, extracting corresponding debtor credit rating features and bill expiration time features. And inputting the features into a time sequence correlation analysis model, and outputting circulation decision parameters containing creditor's right risk levels and priority weights. And then, based on the circulation decision parameter, matching a preset intelligent contract template library, and generating a dynamic contract term conforming to a bill creditor's right circulation rule. And creating a block chain transaction request according to the dynamic contract terms, and verifying creditor's right transfer conditions in the block chain transaction request through the distributed account book node. And after the verification is passed, triggering an intelligent contract execution engine, and completing the automatic circulation of the bill creditor's right according to the dynamic contract terms.

According to various aspects, a method (100) performed by a processor of a financial application terminal may include determining (101) whether one or more attributes of a contact-based communication between the financial application terminal and a financial application card satisfy a reference criterion, where the communication follows an authentication protocol used to authenticate a user of the financial application terminal; and generating (103) a signal representative of the result of the determination.

The application relates to the field of financial technology, and discloses a security protection access method, device, equipment and storage medium. The security protection access method comprises the following steps: when a user logs in an application server, receiving a username of a legal user and an object name corresponding to the username sent by the application server and storing the username and the object name; preconfiguring an effective time of a readable state of an object and establishing an association relationship among the username, the object name and the effective time; receiving a first access request sent by a client and containing access permission information and object storage path information; judging whether the access permission information is legal according to the association relationship; if yes, responding to the first access request, reading a target object according to the object storage path information and sending the target object to the client. Through the above method, the security of data storage access in a financial application scene can be improved, and the risk of illegal access to privacy can be reduced.

An AI-based method and system for generating financial applications for second users, are disclosed. The AI-based method includes steps of: obtaining first data from first electronic devices associated with first users; determining first risk-based pricing options associated with projects; sending application links to second electronic devices associated with the second users; obtaining second data from the second electronic devices associated with the second users; determining whether the second users are qualified to obtain credits associated with projects, using AI model involving pre-processing the second data, extracting features, generating integrated feature, assigning weights for the features and integrated features, and determining qualification scores for assessing qualification of the second users; obtaining confirmed information associated with projects, from the second electronic devices of the second users; obtaining third data associated with identities of second users; generating the financial applications for payment processes; and providing an output of the financial applications.