30 results about "Financial application" patented technology

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.

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.

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 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 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.

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.

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.

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 discloses a business processing method and device based on a financial website robot and electronic equipment, and relates to the field of financial science and technology, and the method comprises the steps: receiving multi-mode identification information and an operation log sent by a financial application program in a business interaction process between the financial website robot and a user, mapping the multi-modal identification information and the operation log to a predetermined interaction vector space, outputting a continuous interaction vector, performing dynamic weight adjustment on historical interaction data in the continuous interaction vector through an interaction attenuation coefficient, establishing an incidence matrix of each specified service type and an interaction state based on the continuous interaction vector after the weight adjustment, and sending the incidence matrix to a server; and outputting a response strategy by adopting the incidence matrix, and controlling the financial network robot to output a service response action. According to the invention, the technical problem that the customer satisfaction is reduced due to the fact that the information identification channel is single and repeated questioning or invalid operation is easily caused in the business interaction process of the financial network robot in the prior art 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.

The invention provides a data allocation system and method, and relates to the technical field of cost allocation, and the system comprises a financial data service center, an allocation processing unit, and a data storage platform. The data storage platform is used for storing the shared original data; the financial data service center is used for acquiring the allocation original data from the data storage platform, performing format conversion on the allocation original data, and sending the allocation basic data after format conversion to the allocation processing unit; and the allocation processing unit is used for performing allocation processing on the allocation basic data to obtain a target allocation result, and returning the target allocation result to the data storage platform, so that the financial data service center distributes the target allocation result in the data storage platform to downstream financial applications. According to the data allocation system provided by the invention, the data source caliber unification can be realized, and the allocation efficiency is improved.

The application discloses a kind of caching methods of conversation hot spot object and its device, electronic equipment and storage medium, it is related to artificial intelligence technical field, wherein, the caching method includes: obtaining the time period of target customer using target financial application, when reaching the specified time point of caching before time period, the branch office information of data source representation is inquired, and transaction data and account data generated by data source, input to cache decision engine, and receive object generation instruction and object cache time information output by cache decision engine, in the case where object generation instruction indicates that conversation hot spot object needs to be generated in advance, generate conversation hot spot object, and cache conversation hot spot object according to object cache time information.The present application solves the technical problems of slow generation speed and high modification cost in generating group information object in the related art.

The invention discloses a user retention strategy generation method and device for a financial application program, and relates to the field of artificial intelligence or other related technical fields, and the method comprises the steps: obtaining burying point data of a target user in the financial application program and financial asset information of the target user; calculating monthly average financial asset data based on the financial asset information, and identifying the user type of the target user based on the monthly average financial asset data; under the condition that the user type is a churn type user, inputting burying point data of the target user into a churn reason prediction model, and outputting a churn reason of the target user; and inputting the loss reason of the target user into the retention strategy matching model, outputting a matching result, generating a retention strategy based on the matching result, and retaining the target user based on the retention strategy. According to the method and the device, the technical problem of relatively low efficiency of a mode of configuring a retention strategy for lost customers by a financial institution through experience of a customer manager in related technologies is solved.

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.