Research Article

Classification of FinTech Patents by Machine Learning and Deep Learning Reveals Trends of FinTech Development in China

Table 4

Examples of FinTech patents.

CategoryPatentApplicantIntroduction

Data analyticsAbnormal warning methods, devices, systems, equipment, and media of big data productsShenzhen Qianhai Micro Public Bank Co., Ltd.The invention relates to the field of big data technology of FinTech and converts the error information of big data products into error codes and error descriptions for the convenience of operation and maintenance personnel to view and improve efficiency

InvestmentGenerating method and device of financial market product trading reportBank of China LimitedThe invention discloses a method and device for generating a financial market product trading report, in which the transaction information of all target customers is collected within a specified period

SecurityMethod and device of bank user authentication based on behavior characteristicsIndustrial and Commercial Bank of China LimitedThe invention proposes a bank user authentication method based on behavior characteristics, which makes full use of the user identity to identify the behavior characteristics of all kinds of business in the bank and labels the behavior characteristics

InsuranceMethod, device, and storage medium for calculating insurance probabilityPing An Technology (Shenzhen) Co., Ltd.The invention calculates the common characteristics of the customers who buy insurance through the GBDT model and then injects the customer data of the target customers into the model to obtain the insurance probability of the target customers

LendingThe invention relates to a loan system data processing methodChina Construction Bank CorporationThe invention discloses a loan system data processing method, device, device, and storage medium. By dividing the prebatch and the primary batch, batch errors can be exposed in advance during prebatch, preventing dirty data from being directly stored in the database

PaymentPayment methods, devices, and systemsTencent Technology (Shenzhen) Co., Ltd.The invention discloses a payment method, equipment, and system. It solves the problem of complicated operation of online payment process when the third-party merchants access the shopping platform application in the form of web page