69 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, apparatuses, methods, and computer program products are disclosed for digital product reimbursement management. An example method includes assigning a pending return status indicator to a transactional data record of a mobile banking application, the transactional data record being associated with a user. The example method also includes obtaining a first dataset associated with the user. The example method also includes determining that the first dataset corresponds to the transactional data record. The example method also includes reconciling the transactional data record based at least on the first dataset.

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 present application provides a remote-assisted business processing method, system, electronic device and storage medium, which can be applied to the big data field or the financial field. The core system identifies that the target customer type of the target customer belongs to a special type based on the basic information of the session establishment message sent by the mobile banking according to the business processing requirements, and sends the target session establishment message to the mobile banking; the mobile banking authenticates the target customer based on the encrypted target identity information and establishes a session with the core system; the core system combines multiple target businesses determined based on historical business processing records and business processing information to obtain a business processing combination; the core system determines the target special type of the target customer from the special types based on the target customer feature information, and sends a prompt type and prompt information to the mobile banking according to the target special type and the target business processing combination; the mobile banking guides the target customer to perform business processing based on the prompt type and prompt information.

The invention provides a user identity authentication method and device, which can be used in the technical field of information security and financial science and technology, and the method comprises the following steps: collecting historical operation position data of a user on each page of a mobile banking, and obtaining a sliding distance data set according to the historical operation position data, historical sliding distance data of the user on each page is recorded in the sliding distance data set; according to the feature information of each page, carrying out clustering calculation on historical sliding distance data of the user on each page in the sliding distance data set, and determining a sliding distance data range of each page according with user features; the pages with the historical operation times larger than the mean value of the historical operation times of all the pages are screened out to serve as pages needing to monitor user behaviors; and acquiring sliding distance data of the user on the page of which the user behavior needs to be monitored, comparing the sliding distance data of the user on the page with the sliding distance data range of the page according with the user characteristics, and determining whether the user operates on the page or not.

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

A mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and / or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.

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 belongs to the field of mobile banks, relates to a protection analysis technology, is used for solving the problem that the security state of a mobile bank cannot be evaluated in the prior art, and particularly relates to a mobile bank and an autonomous protection system. The processor is in communication connection with a machine room monitoring module, a stability monitoring module, an optimization analysis module and a database; the machine room monitoring module is used for performing operation monitoring analysis on the equipment machine room in the kiosk body: marking the equipment machine room in the kiosk body as a monitoring object, generating a monitoring period, dividing the monitoring period into a plurality of monitoring time periods, and obtaining an operation coefficient of the monitoring object at the end time of the monitoring time periods; according to the method, stability analysis can be carried out on the business handling area and the customer waiting area in the kiosk body, comprehensive analysis and calculation are carried out on the vibration amplitude values of all the analysis points to obtain the stability coefficient, the overall stability performance of the analysis objects is fed back according to the stability coefficient, and differentiation marking is carried out on the analysis objects with the abnormal stability performance.

1. Name of the Design Product: Graphic User Interface for the Display of Agricultural Bank of China's Mobile Banking Urban Special Zone on Electronic Devices. 2. Use of the Design Product: An electronic device. 3. Design Key Points of the Design Product: Lies in the graphic user interface part of the electronic device. 4. Picture or Photo that Best Illustrates the Design Key Points: Front View. 5. The claimed design includes color. 6. Use of the Graphic User Interface: The product interface is an interactive interface for the display of Agricultural Bank of China's Mobile Banking Urban Special Zone; the interface is divided into five zones: top column, function bar, popular activities, exclusive gifts, and preferential shopping mall. Clicking on the cards in the interface can perform corresponding operations; the main view interface is the interactive interface when entering the software; in the main view interface, slide to the bottom of the interface to display the interface change status diagram.

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.

The invention relates to a method for dynamically generating a mobile banking activity set page, which comprises the following steps of: constructing a tree structure in which a root node represents an activity set page and a first-level node represents a service category, and dynamically generating child nodes according to marketing activity data, a DIEN model comprising an embedded layer, an interest extraction layer, an interest evolution layer and a prediction layer is used to predict the interestingness of the user to different marketing activities, and user interest prediction is realized; according to the method, the user geographic position, preference setting and interest prediction value are integrated, child node weights are calculated, a descending sorting algorithm is used for sorting the child node weights, activity set pages are dynamically arranged according to the sorting result, and personalized recommendation and efficient marketing are achieved. Through modular design and real-time dynamic updating, the system efficiency and the user experience are improved.

A device enabling the automatic registration of an IBAN and the addition of a beneficiary on mobile banking applications or online banking platforms upon receipt of a transfer from a third party. The invention relates to a device that facilitates transfers between users of online banking platforms and mobile banking applications, regardless of the banking institution, by creating a module that offers the recipient the option of adding the sender's IBAN directly upon receipt of the transfer and also adding it to the list of beneficiaries if it is not already included. The device according to the invention is particularly intended for all users of online banking platforms or mobile banking applications.

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 mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and / or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.

Presented herein are systems and methods for enabling a secure browsing session. Embodiments may include a computing device that executes software routines to receive a first indication to enter a secure browsing mode of a session; present data associated with a user for display on the display of the electronic device; cause the display to obscure one or more personally identifiable information of the data on the display of the electronic device; receive a second indication to reveal the one or more personally identifiable information; present the one or more personally identifiable information for display on the display of the electronic device.

Systems, computer program products, and methods are described herein for modular subscription-centric resource architectures. The invention streamlines the user experience through a mobile banking application interface. It's designed to collect a user's resource account data, which includes their preferences, goals, and affiliations with one or more entities. By employing machine learning algorithms, the system analyzes the saved resource account data to ascertain the most fitting subscription tier recommendation. For those new to the platform, essential packages are recommended, while established users are presented with more detailed packages. The dashboard interface showcases the distinct benefits and features of each subscription tier, allowing for informed user selection. Furthermore, within this dashboard interface, there's a section dedicated to customizable bundle selection.

The invention provides an intelligent business consultation method and device for a mobile bank, and relates to the technical field of data processing, and the method comprises the steps: receiving consultation request release, obtaining a response instruction, carrying out priority analysis, semantic recognition and sensitivity analysis, then carrying out consultation reply analysis, encrypting a reply result, and sending the reply result to a user. The method can solve the problems that mass data is difficult to process efficiently in the prior art, variable requirements cannot be met flexibly due to rigid priority setting, reply content is deviated or inaccurate due to insufficient understanding accuracy of semantic intentions of users, a necessary protection mechanism is lacked to ensure data security when sensitive information is processed, and the user experience is poor. By comprehensively optimizing concurrent processing, user priority, semantic understanding, sensitive information protection and data transmission security, the efficiency, security and user experience of mobile bank services are remarkably improved.

The present invention proposes a quick transfer method and device based on an invitation code, which can be used in the financial field, wherein the method comprises: when a mobile banking APP of a first user obtains an instruction to invite others to transfer money, generating a transfer invitation code according to the account information selected by the first user; sending the transfer invitation code to a second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing. The present invention enables users to perform quick transfers based on invitation codes, simplifies the transfer operation process by automatically filling in transfer element information, and during the transfer process, users do not need to remember their personal card numbers, which are automatically extracted and displayed by the mobile banking APP for users to choose, and there is no need to worry about the risk of manually entering the wrong card number and causing the funds to be transferred by mistake, thereby effectively improving the convenience of bank card transfer operations.

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.

Systems, apparatuses, and methods of an event-based automatic transaction on behalf of a user include and not limited to, determining, based on a plurality of information sources including a plurality of news information sources independent of a particular physical location, a probability of an event occurring, the probability being based on a predetermined percentage of news information sources indicating that the event is going to occur or is occurring, in response to the probability of the event occurring satisfying a predetermined threshold corresponding to the predetermined percentage, determining a location impacted by the event, in response to determining that the location of the user is proximate to the location impacted by the event, initiating a transaction with a mobile banking client application linked to an authorized financial account on behalf of the user, the authorized financial account being associated with the user and provided by the financial institution computing system.

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%.

The invention discloses a session processing method and device for enterprise mobile banking fault decoupling and a storage medium. The method comprises the following steps: in response to a login interface request of an 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 equipment initiates a session creation request to the old E-bank 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 so as to be used when the first electronic device performs the old online banking system transaction; and the first electronic equipment stores the second electronic equipment, the third session and the verification token, assigns the third session as the session of the first electronic equipment and feeds back a login result to the client, and the login result contains information of the third session. According to the invention, the creation success rate of the enterprise mobile banking session is improved.