12 results about "Mobile banking" patented technology

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.

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 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.

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.

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.

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 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 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.

A method of operating a mobile banking platform includes communicating to a user device a listing of deals with each of the deals relating to a reward given to a user when completing a qualifying transaction via use of a payment card associated with the mobile banking platform. Each of the participating organizations offering a deal is associated with at least one place of business where the qualifying transaction is capable of taking place via an in-person use of the payment card, and each of the places of business is associated with a corresponding geofence bounding a geographic area. The method further includes monitoring whether the user device has entered into one of the geofences, and, upon entry into one of the geofences, automatically enrolling the user in the corresponding deal or sending a communication to the user device of the user regarding enrollment in the deal.