55 results about "Financial application" patented technology

Disclosed herein are system, apparatus, device, method and / or computer program product embodiments for providing a mid-stream deposit availability schedule to a customer electronically depositing a check. The deposit availability schedule is generated by activating a mobile financial application, receiving a customer request to deposit a financial instrument, and based on the customer request, activating a camera on the client mobile device to access a field of view of at least one camera and capture one or more images of a financial instrument, store, in a computer memory on the client mobile device, the one or more images. An optical character recognition program, resident on the client mobile device, extracts in real-time, one or more data fields from one or more portions of the financial instrument, communicates the one or more data fields to a remote deposit server and receives a deposit availability schedule, before acceptance of the remote deposit.

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.

A system (100) for automating financial consolidation and reporting in a cloud-based ERP environment, comprising: a data aggregation and integration module configured to collect and integrate financial data from multiple sources, including ERP, accounting software, and third-party applications; an AI-driven cross-company reconciliation module configured to use machine learning algorithms to identify and eliminate cross-company transactions, detect duplicate entries, missing records, and transaction discrepancies; a currency conversion and standardization module configured to enable real-time currency conversions and ensure compliance with international accounting standards such as IFRS and GAAP; a compliance and audit module configured to monitor compliance with financial regulations and tax laws, automate audit trails, and generate compliance reports; a financial analysis and anomaly detection module configured to analyze financial patterns, detect anomalies, and prevent fraudulent activities using artificial intelligence; a report creation and customization module configured to automate the creation of financial reports, balance sheets, and cash flow reports with customizable templates; a scalability and cloud deployment module configured to deploy the system (100) in a cloud-based ERP environment and enable real-time access to financial reports and dashboards; an automation and workflow optimization module configured to minimize manual intervention by automating data reconciliation, reporting, and compliance checks; a security and access control module configured to implement role-based access control, encryption, and authentication mechanisms to ensure data security; and an integration and API management module configured to enable seamless connectivity with external financial applications and enterprises via APIs.

The invention discloses a business data query method and device, electronic equipment and a computer program product. The method comprises the following steps: obtaining business data of M financial applications; synchronizing the M pieces of business data to a business database of a business information auxiliary service system; receiving a business query request sent by a client from a channel side, performing access control detection on the channel side, and performing legality and compliance detection on the business query request; under the condition that the channel side passes the access control detection and the business query request passes the detection, calling a query service to perform business type identification on the business query request to obtain query information; and screening out target business data from the business database according to the query information, and sending the target business data to the client to respond to the business query request. Through the method and the device, the problem of low query efficiency when the business data in the financial field is queried is solved.

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.

An electronic device includes one or more sensors, a user interface that has one or more user input output devices, and one or more processors operable with the one or more sensors and the user interface. The one or more processors receive an unsafe conditions command and, in response, cause a financial application or banking application to operate in an abnormal mode of operation. In the abnormal mode of operation, the financial application or banking application may present an incorrect balance, present one or more fictitious transactions or statements, may preclude the presentation of notifications, or perform other operations protecting personal and financial data structures.

The present application relates to a method, device, electronic device, storage medium and computer program product for monitoring financial applications. The method comprises: inputting a target financial application set into an application classification model to obtain a classification result, and then determining abnormal applications in the target financial application set according to the classification result and the abnormal conditions corresponding to each target monitoring indicator in the target monitoring indicator set. Among them, the application classification model is a classification model determined according to the target monitoring indicator set and the historical financial application set, and the target monitoring indicator set is obtained by screening the original monitoring indicator set according to the training time cost and the result deviation cost using the monitoring indicator optimization model when the proportion of abnormal applications obtained by the original application classification model is greater than the abnormal proportion threshold, thereby excluding some target monitoring indicators that lead to a large number of abnormal applications, avoiding a large number of abnormal applications caused by the abnormal conditions corresponding to the monitoring indicators not being updated in time, and improving the monitoring accuracy.

The invention discloses a financial data management method, device and equipment, a storage medium and a program product, which can be applied to the field of financial science and technology. The method comprises the following steps: acquiring an application message of a financial application; if the message type of the application message is a rule configuration class, performing message survival judgment on the application message to obtain a message survival judgment result; determining an application rule storage mode of the financial application according to the message survival judgment result, and generating and storing rule configuration information of the financial application based on the application rule storage mode; and if the message type of the application message is a resource calling type, determining an application resource storage mode of the financial application, and based on the application resource storage mode, generating and storing resource calling information of the financial application. According to the technical scheme, storage optimization of the financial data is achieved, and convenience, efficiency and accuracy of financial data query are improved.

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 discloses a method for integrating a financial application scene of an AI assistant, which comprises a dialogue module, a policy interpretation module, an intelligent agent and an intelligent financial application formed by an intelligent knowledge base, and comprises the following steps: S100, carrying out copywriting interpretation analysis on a policy text through the policy interpretation module; s200, performing information interaction with a user through a dialogue module; s300, the intelligent agent performs big data analysis, business analysis, model training and model verification and optimization; s400, the intelligent knowledge base is formed through updating and accumulation and provides answers and suggestions for the dialogue module; through strong data processing and analysis capability of an AI assistant, matching of actual demands and preferences of a user is realized, policies are accurately interpreted, the user can accurately acquire and understand the policies conveniently, and on the basis of rapid retrieval and application capability of an intelligent knowledge base, the method is suitable for popularization and application. And the user management level, convenience and efficiency in a financial scene are 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.

An IoT-based financial security system (100) for detecting malicious links and enabling secure transactions, comprising the following: a user interface device (1) used for sending and receiving financial transaction requests; a module (2) for detecting malicious links, configured to analyze URLs embedded in transactional communications using machine learning algorithms trained on phishing URL datasets and behavioral threat patterns, compare URLs against whitelists, blacklists and heuristic-based filters, perform a real-time URL reputation assessment and flag suspicious links; a network security sensor (3) that is communicatively coupled with IoT devices (31) to monitor network packets and detect unauthorized traffic redirection, DNS spoofing and man-in-the-middle attacks; a transaction authentication module (4) capable of generating multi-factor authentication requests and verifying user identity via biometric sensors or one-time passwords (OTPs); a secure transaction routing module (5) configured to redirect legitimate financial requests to authorized servers, block phishing attempts, and ensure secure communication using HTTPS, TLS, and VPN protocols; and a central control unit (6) connected to the user interface device (1), the malicious connection detection module (2), the network security sensor (3), the transaction authentication module (4) and the Safe Transaction Routing Engine (5), wherein the central control unit (6) includes a reporting unit (61) to log detected threats, transaction attempts and blocked violations and to provide real-time alerts to users and financial institutions, wherein the system (100) secures financial transactions by detecting and neutralizing malicious connections via IoT-connected financial applications.

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 provides an account fund allocation method and device, electronic equipment and a storage medium. The method is applied to a financial application program side. A main account and a payment sub-account associated with the main account are registered on the financial application program side; the main account is also associated with a revenue sub-account, and the revenue sub-account is obtained by registration of a bank side; the method comprises the following steps: responding to a business transaction request received by a main account, and calling available funds stored in a payment sub-account; in response to the fact that the available funds are not enough to complete the business transaction, the income funds to be deducted are allocated from the income funds in the income sub-account, and the income funds are funds which are stored in the income sub-account and are used for generating the fund income; and completing the business transaction request based on the available funds and the to-be-deducted income funds. On the premise that capital income is created for the user, normal transaction of the payment sub-account can be ensured.

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 discloses an application program review scheme generation method and device, equipment, a medium and a product, and is applied to the technical field of financial science and technology. The method comprises the steps of obtaining a to-be-online target financial application program, and determining each review item corresponding to the target financial application program; wherein each review item is matched with each code block of the target financial application program one by one; respectively determining the code variation, the influence range value and the importance degree of each review item; determining the review cost performance of the target review item based on the code variation, the influence range value and the importance degree; and determining the review priority of each review item according to the review cost performance of each review item, and determining the review scheme of the target financial application program based on each review priority. According to the scheme, the code review scheme of the financial application program to be online can be quickly and accurately formulated, and help is provided for code review work of the financial application program.

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.