31 results about "Mobile banking" patented technology

The invention relates to the technical field of cloud computing financial security, and provides a financial data encryption transmission and storage method. The method is characterized by comprising the following steps of: executing sensitivity-driven data grading fragmentation on a user terminal; dynamic elliptic curve encryption is carried out on transmission data through a two-channel encryption engine, and fully homomorphic encryption is carried out on storage data; dynamically distributing the fragments to heterogeneous cloud nodes by the multi-cloud routing based on reinforcement learning; a distributed key management matrix is constructed, key fragments are dispersed and stored in a block chain and a hardware security module, and reconstruction is activated through biological characteristics. The method has the advantages that full-link ciphertext operation is realized, and the plaintext exposure risk is eliminated; ciphertext state financial calculation is supported; single point failure is resisted; the APT attack is defended dynamically; and the quantum security evolution capability is realized. The method is suitable for mobile banks, cross-border payment and other scenes.

Systems and methods are disclosed for dual, simultaneous, single-session, proximity-based, secure authentication of a Digital Assisted Shopping (DAS) representative and a customer in an unsecured remote location. The method includes installing a mobile banking application on the customer's device and an enterprise application on the DAS representative's device, both with biometric verification. Proximity detection using Bluetooth Low Energy (BLE) initiates a secure session via push notifications. A secure communication channel is established through a secure local handshake, involving encryption key exchange and mutual authentication. The system exchanges data related to customer profiles and financial accounts, continuously monitors geolocation using GPS, Wi-Fi, and cellular data, and performs periodic background biometric re-verifications. AI / ML algorithms analyze customer data to propose financial products and services, which are securely shared with the customer for review and selection. The system facilitates real-time enrollment and transaction processing, terminating the session upon detecting security breaches.

A methodological technical approach is proposed herein that utilizes historical data to employ a heuristic optimization algorithm for data message routing. While not specifically limited to the banking sector and financial institutions, as a practical example, the approach can utilize historical data relating to patterns of transactions for analyzing customer behavior and detecting fraudulent activities. For example, trajectory mining can be used to analyze the transaction patterns of credit card users, or behavioural patterns of mobile banking users, such as checking account balance, transferring funds and paying bills.

The invention provides a mobile banking function evaluation method and device, equipment, a storage medium and a program product, and can be applied to the technical field of artificial intelligence. The mobile banking function evaluation method comprises the steps that m indexes representing the mobile banking function are acquired, and m is an integer larger than or equal to 2; the m indexes are classified through a pre-trained classification model, evaluation category sets of k dimensions are obtained, the evaluation category set of each dimension comprises ni indexes, k is an integer larger than or equal to 2, ni is an integer larger than or equal to 1, and i is an integer larger than or equal to 1 and smaller than or equal to k; defining a set weight of each evaluation category set and an index weight of each index in each evaluation category set; calculating a function evaluation score according to the obtained index value of each index in the m indexes, the set weight and the index weight; and evaluating the mobile banking function according to the evaluation score.

A method may include: (1) receiving, at a computer program, such as a mobile banking application, executed by an electronic device, a request to disable a feature of the computer program, such as a payment feature, for a time period; (2) disabling, by the computer program, the feature; (3) determining, by the computer program, that the time period has passed; and (4) enabling, by the computer program, the feature. The feature may be disabled by removing an icon to access the feature, and may be enabled by adding the icon to access the feature. The method may also include: monitoring, by the computer program, a location of the electronic device; determining, by the computer program, that the electronic device is in a registered location; and enabling, by the computer program, the feature even if the time period has not passed.

Systems, apparatuses, methods, and computer program products are disclosed for managing and securing sensitive electronic files. An example method includes obtaining, by interface circuitry, an electronic file associated with a third-party application. The method also includes determining, by a classification engine, a first classification of the electronic file. The method also includes, in an instance in which the first classification of the first electronic file corresponds to a first predefined classification, determining, by the classification engine, a second classification of the first electronic file, selecting, by an inbox allocation engine and based on the second classification of the electronic file, a first storage location associated with an electronic file inbox of a mobile banking application, and storing, by the inbox allocation engine, the electronic file in association with the first storage location.

The invention relates to the technical field of computer vision, can be applied to the field of medical health and the field of financial payment, and discloses a text rendering method, device and equipment based on proxy confrontation and a storage medium, which are applied to an electronic health recording system or can be applied to a mobile bank and payment application scene. The method comprises the following steps: acquiring a font code, a style parameter and a target text image; performing text rendering through the font codes and the style parameters to generate an initial text image; carrying out parallel calculation on the adversarial loss, the perception consistency loss and the reconstruction loss; calculating the total loss of the model based on the adversarial loss, the perceptual consistency loss and the reconstruction loss, and training the rendering model again based on the total loss of the model to generate a target rendering model; and obtaining the to-be-processed font code and the style parameter, and performing text rendering based on the to-be-processed font code and the style parameter through the model rendering model to generate a target text rendering image. According to the invention, the text rendering quality and efficiency are improved.

A computer implemented method, system, and non-transitory computer-readable device for a digital document verification process. In some embodiments, a split deposit tool may be provided in a mobile banking application to allow a customer to split a deposit and schedule deposit dates for various portions of the split deposit. In some embodiments, the split deposit tool may be provided in response to a determination that an amount of a check in an image exceeds a remaining remote deposit limit. In some embodiments, the amount may be determined using realtime optical character recognition (OCR), for example, active OCR performed on a live stream of check imagery.

1. Name of the product of this design: Active viewing graphical user interface for electronic equipment. 2. Purpose of this design product: for use in an electronic device. 3. The key design point of this design product lies in the interface content of the graphical user interface. 4. The picture or photo that best illustrates the key points of the design: main view. 5. Purpose of the graphical user interface: The graphical user interface of this design is used to view the content of the activity. The main view is the mobile banking activity display page. The interface displays the contents of the 1st gift and 2nd gift activities. Users can click on any activity to view the activity details. When the user swipes up the interface, the change status diagram 1 and the change status diagram 2 will be presented in turn for viewing more activity content. 6. Other situations that require explanation: "××" in the interface represents variable text, and a single gray block represents the content screen.

A computer implemented method, system, and non-transitory computer-readable device for a digital document verification process. In some embodiments, a split deposit tool may be provided in a mobile banking application to allow a customer to split a deposit and schedule deposit dates for various portions of the split deposit. In some embodiments, the split deposit tool may be provided in response to a determination that an amount of a check in an image exceeds a remaining remote deposit limit. In some embodiments, the amount may be determined using real-time optical character recognition (OCR), for example, active OCR performed on a live stream of check imagery.

The present application discloses a session processing method, device, and storage medium for fault decoupling of enterprise mobile banking. The method includes: in response to a login interface request of the enterprise mobile banking of a client, a first electronic device verifies the login interface request; the user center creates a first session based on the login interface request, generates a verification token, and sends the verification token to the first electronic device; the first electronic device initiates a session creation request to the old online banking system based on the verification token; the old online banking system creates a second session based on the session creation request, and sends the second session to the first electronic device for use when the first electronic device conducts transactions in the old online banking system; the first electronic device stores the second electronic device, the third session, and the verification token, assigns the third session to the session of the first electronic device, and feeds back the login result to the client, wherein the login result includes information about the third session. The present application improves the success rate of creating enterprise mobile banking sessions.

1. Name of the product of this design: Active viewing graphical user interface for electronic equipment. 2. Purpose of this design product: for use in an electronic device. 3. The key design point of this design product lies in the interface content of the graphical user interface. 4. The picture or photo that best illustrates the key points of the design: main view. 5. Purpose of the graphical user interface: The graphical user interface of this design is used to view active content. The main view is the mobile banking activity display page. The interface displays the content of the 1st gift, 2nd gift, and 3rd gift activities. When the user clicks the "Click to view more" button at the bottom of the interface, a change status diagram will be presented for viewing more activity content. 6. Other situations that require explanation: "××" in the interface represents variable text, and a single gray block represents the content screen.

The invention provides a mobile banking authentication method and device and a mobile banking authentication system, and the method comprises the steps: obtaining an authentication assembly which is a pre-configured assembly with an authentication function; the current service is obtained, the number of times of authentication is determined according to the risk degree of the current service, the number of times of authentication is obtained, and the risk degree of the current service and the number of times of authentication are in positive correlation; calling a corresponding number of authentication components according to the number of authentication times, and authenticating the target object by adopting the called authentication components to obtain a plurality of authentication results; and under the condition that all the authentication results represent that authentication is passed, allowing the target object to log in the mobile phone bank. The problems that in the prior art, authentication logic is tightly embedded into service logic, service codes need to be modified in a large amount when an authentication mode is updated or adjusted each time, and the research and development efficiency is reduced are solved.

The invention discloses a stackable lightweight smart mobile bank and service system, and modular box units of the stackable lightweight smart mobile bank and service system are made of carbon fiber composite materials, so that the stackable lightweight smart mobile bank and service system is light in weight and high in compressive strength. The system integrates various energy collection and storage devices such as glass patch photovoltaic, solar photovoltaic and piezoelectric energy assemblies, the utilization rate of renewable energy reaches 75%, and self-sufficiency of energy is achieved. The system is provided with a 5G network system, multiple functional areas and advanced equipment, supports multi-scene application, and can provide functions of financial business handling, intelligent customer service, community life service integration and the like. According to the system, the deployment cost is reduced by 60%, the deployment time of a single website is shortened to 48 hours, the convenience and high efficiency of bank services are remarkably improved, meanwhile, the performance in the aspect of environmental protection is excellent, and compared with a traditional website, the carbon emission in the whole life cycle is reduced by 80%.

This invention provides a method and system for accessing a corporate mobile banking app. The method includes: periodically calling the corporate mobile banking backend interface through the corporate mobile banking client to request and obtain the basic customer information of logged-in customers; signing and encrypting the basic customer information through the corporate mobile banking backend to obtain signed basic customer information, and returning it to the corporate mobile banking client; verifying the validity and legality of the signed basic customer information through a third-party system, and retaining the valid and legal signed basic customer information; upon receiving a customer's business request, when processing related business through the third-party system frontend within the corporate mobile banking client, directly processing the relevant business after the third-party system backend confirms the validity and legality of the basic customer information. This method verifies the basic customer information, implements a standardized access method for third-party systems, and reduces costs. When customers access the app, it ensures convenient operation and a continuous user experience.

1. The name of the design product: the graphical user interface of the current account page of the mobile phone banking fortune edition account book home page for mobile phones. 2. The use of the design product: for human-computer interaction and display. 3. The design points of the design product: the graphical user interface content in the screen. 4. The picture or photo that best indicates the design points: front view. 5. The terminal is the existing design, omit the rear view, left view, right view, top view, and bottom view. 6. The human-computer interaction mode of the graphical user interface: the front view is the current account page of the mobile phone banking fortune edition account book home page of Hangzhou Bank, and the current account is selected by clicking. The change state diagram 1 is the upslide of the front view, showing the user's current account statement and Hangzhou Bank's short-term financial recommendation; the change state diagram 2 is the upslide of the change state diagram 1, showing the current first recommended financial product and information.

The invention discloses a handheld bank semantic retrieval method, device and equipment and a storage medium, which are applied to a handheld bank terminal. The method comprises the following steps: acquiring a first retrieval statement requested to be retrieved by a retrieval object through a handheld bank terminal; based on a semantic analysis model obtained by pre-training, performing deep semantic feature extraction on the first retrieval statement to obtain a first semantic vector; according to the first semantic vector and a pre-constructed palm bank knowledge base, determining a semantic similarity score between the first semantic vector and each piece of knowledge data in the palm bank knowledge base; and according to the semantic similarity score and a preset screening rule, determining a semantic retrieval result corresponding to the first retrieval statement in the handheld bank terminal. According to the technical scheme, the real retrieval intention of the user is deeply understood through the handheld bank terminal, the data information in the knowledge base is accurately matched, and the retrieval efficiency and accuracy of the retrieval result are improved.

The present invention relates to a system (1) which enables the problems detected on the vehicle (2) to be transmitted to the mobile device (3), the transmitted problems to be solved with artificial intelligence models through the mobile banking application (5), and the most suitable package to be offered to the customer with artificial intelligence models when the new motor insurance period arrives, by establishing a vehicle (2) and a mobile device (3) connection with IoT (Internet of Things) technology.

A method comprising using at least one hardware processor to: receiving a QR code image associated with an ATM from an ATM machine; detecting through a mobile banking application the QR code features within the QR code, wherein the features are associated with an encoded information; decoding the detected QR code to extract the encoded information corresponding to the ATM; verifying the ATM machine to be used by the user; and granting access to the ATM and user account.

The invention relates to an intelligent mobile banking loan approval method based on big data analysis. The method comprises the steps of receiving a user loan request, calling operation behavior data and a third-party credit investigation and social platform interface, and generating user basic credit score data. And then capturing fine-grained operation characteristics of the user on the loan application page, and analyzing behavior abnormality. A preset fraud recognition model analyzes the features based on a self-learning algorithm, and fraud coefficient data is generated. Meanwhile, economic data of a user positioning region are obtained, and a dynamic association model is established in combination with historical loan default data to analyze default risk weights. And collecting consumption data of a user on the content platform, generating a personal credit correction coefficient through the online consumption analysis model, and performing analysis by the examination and approval analysis model according to the multi-dimensional data to generate a loan examination and approval report. According to the method, multi-source data are fused, accurate and real-time loan approval is realized, and user experience and bank service efficiency are improved.

This invention provides an AI-native mobile banking intelligent interaction method and system based on the AGUI protocol. Through an event-driven front-end rendering mechanism, this invention decouples the mobile banking user-side terminal from the bank-side server. The user-side terminal is only responsible for data collection, instruction forwarding, and interface rendering, while the bank-side server uses a large model to understand user intent and generate corresponding cards for AGUI event-driven front-end rendering. It also supports flexible expansion of AGUI event types and streaming rendering, achieving lightweight, highly responsive, and scalable mobile banking interaction, solving the problems of high coupling between the traditional mobile banking front-end and business logic, low iteration efficiency, and long user waiting times.

The invention discloses an activity recommendation method and device for a mobile banking, equipment and a storage medium. The method comprises the steps of obtaining a user entity, an activity entity and a scene entity related to the mobile banking; constructing a knowledge graph based on the user entities, the activity entities and the scene entities; based on the knowledge graph, calculating three-party association strength of the user entity, the activity entity and the scene entity, and determining the three-party association strength as target association strength when the three-party association strength is greater than or equal to a preset association strength threshold; the target association strength is input into an activity recommendation model, an initial activity strategy is generated, and the activity recommendation model is obtained through pre-training in a federal learning mode; and optimizing the initial activity strategy based on a preset reinforcement learning model to generate a target activity strategy. In this way, personalized activity recommendation can be provided for the user, and user experience and recommendation pertinence are effectively improved.

The invention discloses a loyalty evaluation method, device and equipment for a mobile banking customer and a computer program product, and the method comprises the steps: obtaining multi-source data of the mobile banking customer, including basic information and behavior data of the mobile banking customer, the behavior data including transaction behavior data and interaction behavior data; preprocessing the multi-source data to obtain multi-source feature data of the mobile banking customer, including static attribute features, dynamic behavior features and composite features; and inputting the multi-source feature data into the customer loyalty evaluation model to obtain a loyalty evaluation result of the mobile banking customer. According to the method, multi-dimensional integration and correlation analysis are carried out on multi-source behavior data such as transaction behavior data and interaction behavior data of the client in the mobile banking, hidden demands and behavior intentions of the client are mined, the loyalty of the client can be evaluated more comprehensively and accurately, accurate quantification of the loyalty of the client in the mobile banking is realized, and the user experience is improved. And decision support is provided for bank precision marketing and customer relationship management.

The invention discloses a message pushing method based on a mobile phone bank APP. The message pushing method comprises the following steps: configuring related configuration information of pushing services of multiple channels and interface information of a message pushing function at a management end of a message pushing system; the mobile phone bank APP and the message service carry out authentication and transmit a message to the downstream; when the message is sent, the token is carried, and the message pushing system carries out analysis according to the received message data and automatically constructs a message body. The management end of the message pushing system not only covers essential basic functions of the management system, but also additionally provides the capability of monitoring SQL query in real time and service health state inspection. Through the enhanced monitoring characteristic, the user can master the operation state of the system in real time, and the stability and reliability of the message pushing service are ensured.

The invention provides a feature extraction method, device and equipment based on a lightweight neural network, a medium and a product, and relates to the field of big data. The method comprises the following steps: preprocessing a natural language text input by a user to generate standardized tensor data; performing feature extraction on the standardized tensor data by adopting depth separable convolution to generate a first feature tensor; the first feature tensor represents a user intention feature; the number of input channels and the number of output channels of the depth separable convolution are the same; performing channel shuffling operation on the first feature tensor to obtain a second feature tensor rich in context association; generating a third feature tensor of a fixed dimension according to the second feature tensor; the feature tensor of the fixed dimension is used for classification and question and answer generation. According to the method, the understanding ability and the response speed of the mobile banking intelligent question-answering system are improved, and the user experience and the service efficiency are improved.

The invention provides a product information pushing method, device, medium and system for a mobile banking, and the method comprises the steps: collecting user transaction behavior data of the mobile banking through employing a data processing pipeline tool under the condition of obtaining user authorization, and caching the user transaction behavior data through employing a distributed message caching queue; summarizing the cached user transaction behavior data by adopting a distributed data flow calculation engine according to a preset dimension rule to obtain a summarizing result, and storing the summarizing result into a column database; and querying the data in the column database by adopting the query statement to obtain user behavior data and product transaction information, processing the user behavior data and the product transaction information to obtain potential product information, and pushing the potential product information. Therefore, the problem that in the prior art, a platform can only query the user funnel diagram to achieve a display function, but cannot push the product information for the customer loss rate in the user funnel is solved.

The invention provides an intelligent Banner advertisement putting method and system based on a fusion model. Comprising the steps of obtaining user offline features, user dynamic features and an advertisement feature set; inputting the user offline features and the advertisement features into a first model to generate a first prediction score set, and inputting the user dynamic features and the advertisement features into a second model to generate a second prediction score set; performing weighted fusion on the two types of score sets according to user types to obtain a fused prediction score set; querying a compliance control matrix based on the user risk level and the advertisement risk level to obtain a compliance adjustment coefficient, and performing nonlinear adjustment on the fusion score to generate a final advertisement score set; and selecting the advertisement with the highest score and putting the advertisement to a Banner position. The system can be deployed on a server cluster with heterogeneous model processing capability, realizes integrated processing of heterogeneous modeling, prediction fusion and compliance control of static and dynamic characteristics, and improves accuracy, real-time performance and compliance of advertisement recommendation.

The application discloses a method for dynamically generating a mobile phone bank activity collection page, constructs a tree structure, wherein a root node represents an activity collection page, a first-level node represents a business category, and a sub-node is dynamically generated according to marketing activity data, a DIEN model including an embedding layer, an interest extraction layer, an interest evolution layer and a prediction layer is used to predict the interest degree of a user to different marketing activities, and user interest prediction is realized; the user geographic position, preference setting and interest prediction value are comprehensively used to calculate the weight of the sub-node, a descending order sorting algorithm is used to sort the weight of the sub-node, the activity collection page is dynamically laid out according to the sorting result, and personalized recommendation and efficient marketing are realized. The application improves system efficiency and user experience through modular design and real-time dynamic updating.

The invention relates to an intelligent bank numbering method and device based on a mobile banking, and the method comprises the steps: enabling a client to log in a mobile banking client, and obtaining the basic information and position information; the client selects a transaction branch and a business type; the bank background system analyzes business requirements and calculates queuing information including waiting time and suggested arrival time in combination with network conditions; the customer confirms queuing and receives a prompt; and the customer checks in to handle the business and evaluates after finishing the business. A customer arranges a number in advance at a mobile phone bank client, and a travel is reasonably arranged according to the predicted waiting time and the suggested arrival time provided by the system, so that time waste is reduced. And meanwhile, a plurality of reminding modes and a real-time queuing state query function are adopted, so that the customer can master the queuing progress in time, and the mastering feeling and the satisfaction degree of the customer are enhanced. In addition, through the evaluation function after business handling, the customer can feed back service experience, and the improvement of bank service quality is promoted.

The invention provides an equipment security authentication method for a mobile banking, an equipment server, a medium and a system, and the method comprises the steps: receiving a current feature element sent by a client under the condition that the client determines that a current equipment external code does not meet a preset condition, the current feature element comprising a unique identifier of each hardware equipment of the client, the preset conditions include that the current equipment external code is stored in a security database of the client and the state of the current equipment external code is within the valid period; generating a target internal code according to the current feature element under the condition that the internal code corresponding to the current feature element does not exist in a database of the equipment server, and storing a mapping relationship between the target internal code and the current feature element into the database; and performing encryption processing on the target internal code to obtain a target external code, and sending the target external code to the client, so that the client and a server of the mobile banking program used by the client perform security authentication.