42 results about "Financial application" patented technology

A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment activating, on a client device, a financial application, wherein the financial application is configured to instantiate a customer interface (UI) on the client device. Upon receiving a customer request, based on interactions with the UI, the method implements an electronic deposit of a financial instrument by generating a live stream of image data of a field of view of at least one camera, wherein the live stream of image data includes imagery of at least a portion of the financial instrument, determining, based on the live stream of image data and a machine learning model (ML), an impermissibility score of the financial instrument and, based on exceeding a selectable threshold of the impermissibility score, modifying a status of the remote deposit to pause or terminate the remote deposit.

An artificial intelligence based computing method for generating financial applications for second users, is disclosed. The AI-based computing 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 for the second electronic devices to initiate applications; 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; obtaining confirmed information associated with projects, from the second electronic devices of the second users; obtaining third data associated with identities of second users to map the second data with the third data; generating the financial applications for payment processes; and providing an output of the financial applications on user interface associated with the second electronic devices of the second users.

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.

The invention relates to a quantum encryption authentication method and electronic equipment, and the method comprises the steps that in response to a data query operation, a first financial application module sends a first data query request to a first quantum middleware SDK; the first quantum middleware SDK authenticates the received first data query request, encrypts the first data query request under the condition that the authentication is passed, generates an encrypted data packet, and sends a second data query request containing the encrypted data packet to the first financial application module; authentication and encryption functions during data transmission are integrated into the first quantum middleware SDK, so that key maintenance is facilitated. Moreover, the first quantum middleware SDK can obtain the secret key distributed by the quantum security service platform, carries out the authentication and encryption of the first data query request based on the secret key obtained from the quantum security service platform, does not need to agree the secret key in advance, can avoid the safety risk caused by the leakage of the secret key, and improves the safety of the user. And thus, the security during data transmission can be improved to a great extent.

A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment activating, on a client device, a financial application, wherein the financial application is configured to instantiate a customer interface (UI) on the client device. Upon receiving a customer request, based on interactions with the UI, the method implements an electronic deposit of a financial instrument 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, wherein the live stream includes imagery of at least a portion of the financial instrument. The method continues by blending common pixels from the imagery to form a blended image, and extracting by an optical character recognition program one or more data fields from the blended image of the financial instrument.

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.

The present invention relates to a cross-platform online application system and a construction method thereof, and relates to the field of mobile application development technology. The system includes: an H5 business layer, configured to implement business process control, form interaction, and native high-performance View embedding through same-layer rendering and H5 general development technology; an H5 foundation layer, configured to define H5 tags; a native layer, configured to focus on audio and video acquisition and rendering, device permission management, and native capabilities to form highly secure components; and a bridge layer, configured to implement pixel-level same-layer rendering of H5 and native components in the native layer based on dynamic coordinate mapping and event penetration technology, and to complete two-way command interaction through a standardized communication interface. The present invention can implement highly interactive, highly secure, and highly compliant businesses such as online outlets in financial applications.

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 embodiment of the invention discloses a risk control confrontation detection method for a risk control system, and the method comprises the steps: installing a first tool and a second tool on target equipment, then modifying the original hardware fingerprint information of the target equipment into preset hardware fingerprint information through the detection function of the first tool, and modifying the original hardware fingerprint information of the target equipment into preset hardware fingerprint information through the anti-detection function of the second tool. Modifying the original user behavior information of the target equipment into preset user behavior information, and finally performing confrontation detection on the target equipment by using the risk control system to be detected to obtain a confrontation detection result; according to the mode, the response efficiency of the risk control system when encountering virtual or simulation equipment can be tested, and the risk control detection capability of the risk control system for resisting equipment feature detection, behavior analysis and other security detection mechanisms can be remarkably enhanced, so that the performance of financial application in the aspects of risk monitoring and fraud prevention is improved; a firmer security defense line is constructed for financial application, and fraudulent behaviors of equipment virtualization and simulation environment are effectively prevented.

The invention relates to the field of artificial intelligence, financial science and technology and digital medical treatment, and discloses a voice authentic identification model updating method and device, computer equipment and a storage medium, which can optimize voice authentic identification models in finance and financial application scenes. The method comprises the following steps: acquiring an initial voice authentic identification model; collecting a training data set, and inputting samples of the training data set into the initial voice authentic identification model; and executing gradient correction operation according to the category of the sample so as to incrementally update the initial voice authentic identification model. Through a dynamic gradient correction mechanism and an incremental learning framework, real-time adaptive updating of the voice authentic identification model under the condition of no need of retraining is realized, the updating direction of the model can be restrained by correcting the gradient, a new training data set can be prevented from completely covering a historical data set, and the accuracy of voice authentic identification is improved. And the generalization ability and the authentic identification accuracy of the voice authentic identification model in the scenes of financial identity verification, medical voice recording and the like are remarkably improved.

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 a data security detection method and device, a storage medium and electronic equipment. The method comprises the following steps: receiving a detection instruction for a target financial application; target data to be detected and a target detection tool are determined according to the detection instruction, and the target data is at least one of flow data, code data and log data; data security detection is conducted on the target data according to the target detection tool, a detection result is obtained, and the detection result is used for representing whether the data security of the target data is compliant or not. Through the method and the device, the problem of relatively low detection efficiency caused by manually detecting whether the data security of the financial application is compliant or not in related technologies is solved.

The invention relates to a cross-platform online application program system and a construction method thereof, and relates to the technical field of mobile application development, the system comprises an H5 business layer configured to realize business process control, form interaction and native high-performance View embedding through same-layer rendering and an H5 general development technology; an H5 base layer configured to define an H5 tag; the primary layer is configured to focus on audio and video acquisition and rendering, equipment authority management and Native capability to form a high-security component; and the bridging layer is configured to realize pixel-level same-layer rendering of the H5 and the native component in the native layer based on a dynamic coordinate mapping and event penetration technology, and complete bidirectional instruction interaction through a standardized communication interface. According to the method, high-interactivity, high-security and high-compliance services such as online websites in financial application programs can be realized.

The invention discloses a financial application document processing method and device, electronic equipment and a storage medium. The method comprises the steps of determining a plurality of first auditing elements of a first financial application document; constructing a first auditing item based on the plurality of first auditing elements; the first auditing item is used for describing the relationship among the plurality of first auditing elements; matching a first auditing rule from a plurality of auditing rules based on the first auditing item; the auditing rule comprises a second auditing item and a reimbursement result corresponding to the second auditing item when the second auditing item meets the financial application requirement, and the second auditing item is composed of at least one auditing element; and determining a processing result of the first financial application document based on the first auditing rule. According to the scheme, a more accurate auditing rule suitable for the financial application document can be matched, so that accurate analysis and processing of the financial application document are realized.

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 application provides a financial terminal response type adaptation method, system and electronic equipment, which comprises the following steps: obtaining the device type of the financial terminal; determining the layout proportion according to the device type, wherein the layout proportion comprises the layout percentage of each sub-page in the financial terminal; calling a pending development interface according to the device type, and drawing the control of each sub-page by using the pending development interface based on the layout proportion, wherein the controls of different device types have at least one difference point; and displaying the control on the display screen according to the layout proportion, thereby completing the adaptation process. The control of each sub-page can be drawn by using the layout proportion and the pending development interface, and the control is displayed on the display screen according to the layout proportion, so that the financial application can be applied to different types of financial terminals only once, and the applicability of the financial application is improved.

The invention provides a non-functional governance system and method for a financial application system, and the method comprises the steps: obtaining input information from any task agent in a task agent set through a knowledge service agent, and retrieving the non-functional governance related information of the input information; the index construction agent determines non-functional governance index information of the financial application system; the diagnosis detection agent determines a non-functional treatment diagnosis treatment strategy of the financial application system; the operation processing agent determines non-functional treatment task planning information of the financial application system; and the tool calling agent determines non-functional governance tool configuration information of the financial application system. According to the technical scheme, full-process automation of non-functional treatment from index design to problem handling is constructed through a multi-agent collaborative architecture, and the non-functional treatment efficiency and accuracy of a financial application system are improved.

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 discloses a business handling method and device based on voice interaction, electronic equipment and a storage medium, and relates to the technical field of financial science and technology. The method comprises the following steps: after a target user starts a financial application program, determining a to-be-handled service of the target user according to a service request voice of the target user, and entering a target page corresponding to the to-be-handled service; according to the process information of the to-be-handled service, determining at least one target control needing to be touched by the target user in the target page and the position of the target control; determining the moving direction and the moving distance of the target user according to the current touch point position of the target user in the target page and the position of the target control by aiming at the target control which needs to be touched by the target user at present; and converting the moving direction and the moving distance into natural language description, generating navigation voice according to the natural language description, and broadcasting the navigation voice to the target user so as to guide the target user to touch the target control. According to the invention, the business handling efficiency can be effectively improved.

A method of registering an identified blockchain wallet using a payment card includes receiving payment detail information of a payment card issued for a transaction account, the payment detail information including a card identifier and being received from one of an integrated circuit payment card and a financial application; receiving wallet detailed information of the block chain wallet, wherein the wallet detailed information comprises a wallet identifier; transmitting the card identifier and the wallet identifier to an activation server storing an association between the wallet identifier and the transaction account; receiving an activation message from an activation server; and transmitting an instruction to an integrated circuit payment card or a financial application to enable use of a private key in a cryptographic key pair associated with the blockchain wallet.

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 relates to the technical field of artificial intelligence, is applied to medical and financial application scenarios, and discloses a response type noise relay diffusion method, device, equipment and medium, and the method comprises the steps: setting and initializing a noise relay buffer area; wherein the noise relay buffer area is an action sequence of which each action has noise, and the noise level of each action of the initialized noise relay buffer area is linearly increased in sequence; according to the current observation, noise reduction is carried out on the noise relay buffer area by adopting a single-step denoising method, the first action of the noise relay buffer area after noise reduction is obtained to serve as the execution action at the current moment, and the execution action at the current moment is output and executed; and performing dequeue operation on the execution action at the current moment in the noise relay buffer area after noise reduction, adding an action with noise behind the last action of the noise relay buffer area after noise reduction as the last action of the updated noise relay buffer area, and obtaining the updated noise relay buffer area.

A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment activating, on a client device, a financial application, wherein the financial application is configured to instantiate a customer interface (UI) on the client device. Upon receiving a customer request, based on interactions with the UI, the method implements an electronic deposit of a financial instrument by generating a live stream of image data of a field of view of at least one camera, wherein the live stream of image data includes imagery of at least a portion of the financial instrument, determining, based on the live stream of image data and a machine learning model (ML), an impermissibility score of the financial instrument and, based on exceeding a selectable threshold of the impermissibility score, modifying a status of the remote deposit to pause or terminate the remote deposit.

The invention relates to the technical field of computers, and provides a startup page generation method and system, electronic equipment, a storage medium and a program product. The starting page generation method comprises the following steps: a back-end server calls an AI model in response to a starting page generation request sent by a client, so that the AI model generates financial information visual data matched with the client according to the starting page generation request and client associated information; and the back-end server generates HTML data according to the financial information visual data and returns the HTML data to the client, so that the client analyzes the HTML data and renders the HTML data to generate a startup page. Three-terminal collaboration is utilized, the AI model generates financial information visual data, the back-end server is used for scheduling coordination and data transmission, the client renders to generate a new startup page and automatically replaces the new startup page, the design and development efficiency can be remarkably improved, consistency is ensured, the maintenance cost is reduced, better user experience is provided, and the method is suitable for popularization and application. Therefore, the competitiveness and maintainability of financial application programs are enhanced.

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.

The invention relates to the technical field of computers, can be applied to the fields of finance and medical treatment, and discloses a webpage archiving method, device and equipment and a medium. The webpage archiving method comprises the steps that a to-be-archived webpage is obtained, content recognition is conducted on the to-be-archived webpage, and target webpage data is obtained; the target webpage data comprises dynamic webpage data and static webpage data; independently coding the dynamic webpage data and the static webpage data to obtain dynamic coded data and static coded data; analyzing the dynamic coded data and the static coded data through an adaptive algorithm, and determining a webpage archiving format corresponding to the target webpage data according to an analysis result; and according to the webpage archiving format, generating a target archiving file corresponding to the target webpage data, and storing the target archiving file. According to the method, the relevance between the archiving process and the financial application can be enhanced while the webpage content integrity can be ensured, the archiving efficiency is improved, and the long-term storage and compliance of the data are ensured.