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公开(公告)号：US20170372331A1
公开(公告)日：2017-12-28
申请号：US15535969
申请日：2015-12-04
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Hongchao Yang , Jianbin Zheng , Jun Wang
CPC classification number: G06Q30/0201 , G06F16/29 , G06Q30/00 , G06Q30/0205 , G06Q30/0206
Abstract: The present invention relates to specifying commercial district information of merchants, and it pertains to the technical field of data processing. The method for specifying commercial district information of merchants according to the present invention includes the steps of: mining and calculating association rules of consumption and transaction data of consumers so as to obtain information of association between merchants; calculating rates of subordination of merchants whose commercial district information has not been specified to several commercial districts based on the association information and specified commercial district information of at least some of the merchants; and specifying the commercial district information for each of said merchants based on their rates of subordination. The present invention can realize automatic specification of commercial district information of merchants, and the specification of commercial district information is accurate and efficient.
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Patent Agency Ranking
公开(公告)号：US09712518B2
公开(公告)日：2017-07-18
申请号：US14772514
申请日：2014-03-03
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Hongfeng Chai , Zhijun Lu , Shuo He , Wei Guo , Yu Zhou , Chengqian Chen , Jianbin Zheng , Xiangxiang Yan , Bin Yu , Dingzhou Li
CPC classification number: H04L63/0823 , G06F21/74 , G06Q20/3276 , G06Q20/382 , H04L63/0281 , H04L63/04
Abstract: The invention provides an apparatus used for security information interaction comprising a first system management device for providing an operational environment for routine applications and a second system management device for providing an operational environment in a safe mode for security applications so as to perform a security information interaction process. The apparatus used for security information interaction disclosed by the invention has a high safety and a wide applicability and is low in cost.
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公开(公告)号：US20250148011A1
公开(公告)日：2025-05-08
申请号：US18833611
申请日：2022-09-07
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Tao Tang , Ying Chen , Pengfei Gao , Yue Pang , Jianbin Zheng , Hongbao Liu , Jing Pan , Yongkai Zhou
IPC: G06F16/901 , G06F16/28
Abstract: Provided are a federated graph clustering method based on distributed graph embedding, a device, and a readable storage medium. The method comprises: constructing a first graph on the basis of first party data, and constructing a second graph on the basis of second party data; performing an encrypted intersection on the first party data and the second party data, determining common nodes in the first graph and the second graph, and associating the first graph with the second graph according to the common nodes to obtain a federated graph; learning on the federated graph by using a random walk-based distributed graph embedding algorithm, and determining a first graph embedding vector [PiA, PiB] starting from the first graph and a second graph embedding vector [PiA′, PiB′] starting from the second graph; and performing a clustering analysis on the first graph embedding vector [PiA, PiB] and the second graph embedding vector [PiA′, PiB′] of the federated graph on the basis of a federated clustering method to obtain a clustering result. By utilizing the present method, federated graph clustering can be carried out on private data of two parties, and a better clustering effect is obtained.
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公开(公告)号：US20150339660A1
公开(公告)日：2015-11-26
申请号：US14402682
申请日：2013-06-06
Applicant: China Unionpay Co., Ltd.
Inventor： Hongwen Meng , Gaofeng Wan , Jianbin Zheng
CPC classification number: G06Q20/349 , G06Q20/06 , G06Q20/065 , G06Q20/108 , G06Q20/34 , G06Q20/341 , G06Q20/4033 , G06Q20/409 , G07F7/127
Abstract: The invention discloses an offline credit loading method and system. The offline credit loading method comprises the following steps: (A) a terminal performs update of credit loading limit of a terminal by communicating with a backstage system, wherein the credit loading limit of the terminal is a sum of capital that allows for offline credit loading; (B) an electronic card performs update of the account of electronic cash card by communicating with the terminal, wherein some capital of the credit loading limit of the terminal is transferred to the account of electronic cash card; and (C) the backstage system enables the credit loading account associated with the account of electronic cash card to be updated according to information on offline credit loading received from the terminal.
Abstract translation: 本发明公开了一种离线信用加载方法和系统。 离线信用加载方法包括以下步骤：（A）终端通过与后台系统通信来执行终端的信用加载限制的更新，其中终端的信用加载限制是允许离线信用加载的资本总和 ; （B）电子卡通过与终端进行通信来进行电子现金卡的账户的更新，其中终端的信用加载限制的一些资本被转移到电子现金卡的账户; 和（C）后台系统使得根据从终端接收到的离线信用负载的信息来更新与电子现金卡帐户相关联的信用加载帐户。
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公开(公告)号：US11062199B2
公开(公告)日：2021-07-13
申请号：US17040144
申请日：2019-03-19
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Xurui Li , Jianbin Zheng , Jintao Zhao
Abstract: A fraudulent transaction detection method comprises: performing feature mapping processing on each of a plurality of transaction data to generate corresponding feature vectors; converting the feature vectors of a transaction to be detected into integrated feature vectors based on a first self-learning model; respectively converting the feature vectors respectively of at least one time sequence transaction into time sequence feature vectors based on a second self-learning model; combining the integrated feature vectors and each of the time sequence feature vectors corresponding to each of the time sequence transactions to form depth feature vectors; classifying the depth feature vectors based on a third self-learning model to determine whether the transaction to be detected is a normal transaction or a fraudulent transaction.
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公开(公告)号：US20160014115A1
公开(公告)日：2016-01-14
申请号：US14772514
申请日：2014-03-03
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Hongfeng Chai , Zhijun Lu , Shuo He , Wei Guo , Yu Zhou , Chengqian Chen , Jianbin Zheng , Xiangxiang Yan , Bin Yu , Dingzhou Li
IPC: H04L29/06
CPC classification number: H04L63/0823 , G06F21/74 , G06Q20/3276 , G06Q20/382 , H04L63/0281 , H04L63/04
Abstract: The invention provides an apparatus used for security information interaction comprising a first system management device for providing an operational environment for routine applications and a second system management device for providing an operational environment in a safe mode for security applications so as to perform a security information interaction process. The apparatus used for security information interaction disclosed by the invention has a high safety and a wide applicability and is low in cost.
Abstract translation: 本发明提供了一种用于安全信息交互的装置，其包括用于为常规应用提供操作环境的第一系统管理装置和用于为安全应用提供安全模式的操作环境的第二系统管理装置，以便执行安全信息交互 处理。 用于本发明公开的安全信息交互的装置具有高安全性和广泛的适用性，成本低。
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