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期刊论文 6

会议视频 1

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2022 1

2021 2

2020 1

2018 1

2017 1

2010 1

关键词

多期延迟付款 1

支付风险 1

智慧城市 1

欺诈侦测；移动支付；银行卡绑定；移动设备；梯度增强决策树（GBDT）；XGBoost 1

残次品 1

短缺 1

返工 1

金融智能 1

金融犯罪 1

金融零售支付 1

非衍生方法 1

风险控制 1

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Blockchain-based smart contract for smart payment in construction: A focus on the payment freezing and

《工程管理前沿（英文）》 2022年 第9卷 第2期   页码 177-195 doi: 10.1007/s42524-021-0184-y

摘要： Late payment, and indeed no payment, is a rampant and chronic problem that has plagued the global construction industry for too long. Recent development in blockchain technology, particularly its smart contract, seems to provide a new opportunity to improve this old problem. However, this opportunity is largely unexploited. This study aims to develop a blockchain-based smart contract (BBSC) system for smart payment in the construction industry by focusing on the fundamental cycle of payment freezing (sometimes also synonymously called payment guarantees) and disbursement application. Firstly, a BBSC framework, containing three processes of (a) initiation and configuration, (b) payment freezing, and (c) disbursement application, is developed. Next, based on the framework, the system architecture of the BBSC system, containing three layers of (1) Infrastructure as a Service (IaaS), (2) Blockchain as a Service (BaaS), and (3) Software as a Service (SaaS) is proposed and elaborated. Finally, based on the system architecture, a BBSC prototype system is developed using a real-life modular construction project as a case study. It was found that the prototype system can improve the certainty and efficiency of the progress payment, thereby enabling smart payment in construction transactions. Without advocating radical changes (e.g., the contractual relationships or the intermediate role of banks in modern construction projects), the prototype can be developed into a real-life BBSC system that can work compatibly with current advancements in the field. Future works are recommended to fine-tune the findings and translate and implement them in real-life applications.

关键词： blockchain     construction project     smart contract     smart payment     payment dispute    

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金融零售支付风险控制的现状、挑战与对策研究

周皓,柴洪峰

《中国工程科学》 2020年 第22卷 第6期   页码 103-110 doi: 10.15302/J-SSCAE-2020.06.013

摘要：

随着我国金融开放、普惠金融与金融科技的发展，金融零售支付产业正在由高速度增长向高质量增长转型升级，当前金融零售支付风险呈现出更加复杂严峻的态势。新型冠状病毒肺炎疫情的发生，使得人们的消费和支付习惯发生了很大变化，已经对金融零售支付风险控制研究提出了新的课题。本文分析了金融零售支付风险控制的新特点与不足，梳理了金融零售支付风险控制的现状，产业主体在合规履职、账户管理、交易监测、信用评估、数据安全、身份验证、技术风险等七方面的挑战。研究提出了关键在于建立完善与复杂严峻态势相匹配的全面风险管理体系与智能风控体系的观点，具体从数据共享、智能模型、系统架构、管理体制、人才培养五方面提出了对策建议。

关键词： 金融零售支付     支付风险     风险控制     金融犯罪     金融智能    

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Research and practice on system engineering management of a mobile payment project

Yongkai ZHOU, Hongfeng CHAI

《工程管理前沿（英文）》 2017年 第4卷 第2期   页码 127-137 doi: 10.15302/J-FEM-2017011

摘要： The popularization of the mobile internet has given rise to demand for flexible and convenient payment methods. For China, it is necessary to keep pace with or even lead the trend of innovation and development in the age of mobile payment. From the perspective of systems engineering, this paper introduces research and implementation of China UnionPay’s mobile payment project. The general requirements and core engineering problems of the mobile payment project are summarized based on analyses of the characteristics and engineering difficulties of this project. Integration of innovative technologies is introduced to resolve the contradiction between ease-of-use and security. A rapid iterative development process is adopted to improve the product release efficiency as well as the users' experience. The launch of the mobile payment project also opens the window to coordinating and upgrading the whole payment industry chains.

关键词： systems engineering     mobile payment     engineering management method     Mobile QuickPass     national information security     rapid iteration process     financial security     coordination and cooperation    

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通过机器学习实现移动设备支付中绑定银行卡环节的欺诈侦测 None

Hao ZHOU, Hong-feng CHAI, Mao-lin QIU

《信息与电子工程前沿（英文）》 2018年 第19卷 第12期   页码 1537-1545 doi: 10.1631/FITEE.1800580

摘要： 移动互联网技术的快速增长促进了移动支付的增长，也带来更多移动交易欺诈。作为移动交易的第一步，移动设备上的银行卡绑定已成为欺诈尝试的主要目标。虽然该环节的欺诈成功尝试不会立即造成资金损失，但直接导致后续的快速欺诈交易，且可以欺骗现有欺诈侦测系统。近年来，金融机构和服务提供商通过实施基于规则的专家系统，并采用短消息服务（SMS）认证用户身份解决这个问题。但是，上述解决方案不足以应对数据泄漏和社会工程的挑战。在本研究中，我们介绍了几种传统机器学习算法，最后选择改进的梯度增强决策树（GBDT）算法软件库用于实际系统，即XGBoost。基于对绑卡行为的分析进一步扩展了多个特征，并计划在未来研究中添加历史交易数据进行分析。使用了由全球支付处理商提供的2017年全年真实绑定银行卡的数据集，研究结果和框架已被上述全球支付处理商的移动支付欺诈侦测系统的新设计方案采纳。

关键词： 欺诈侦测；移动支付；银行卡绑定；移动设备；梯度增强决策树（GBDT）；XGBoost    

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Using sound Clinical Paths and Diagnosis-related Groups (DRGs)-based payment reform to bring benefits

Zhi-Ruo ZHANG PhD, Jian-Qing MI MD, Zhao-Jun WEN MA, Sai-Juan CHEN MD, PhD, Zhu CHEN PhD, Long-Jun GU MD, Jing-Yan TANG MD, PhD, Shu-Hong SHEN MD, PhD,

《医学前沿（英文）》 2010年 第4卷 第1期   页码 8-15 doi: 10.1007/s11684-010-0018-5

摘要： China has been undertaking a profound reform on health care. Although more than 1.16 billion people have been covered by rural and urban medical insurance to date, the level of reimbursement from insurance is very limited, especially for critical diseases such as leukemia. This places heavy economic burdens on patients. Under these circumstances, systems innovation is imperative for the efficient utilization of limited funding. In this respect, certain valuable experience from other countries may prove helpful. The prospective payment system of Diagnosis-related Groups (DRGs), Clinical Paths, and the Comparative Effectiveness Analysis adopted by the National Institute of Health and Clinical Excellence (NICE, UK), can be fine tools to reduce medical costs and improve quality of services. Treatments of acute promyelocytic leukemia at Rui-Jin Hospital, and childhood acute lymphoblastic leukemia at Shanghai Children’s Medical Center, can be taken as suitable models to illustrate the crucial role of Clinical Paths in guaranteeing clinical and cost effectiveness of medical services for critical diseases, and to satisfactorily justify the feasibility of DRGs in China.

关键词： healthcare reform     diagnosis-related groups     clinical paths     comparative effectiveness analysis     acute promyelocytic leukemia     childhood acute lymphoblastic leukemia    

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全球供应链中残次品返工与多期延迟付款和部分延迟订购整合的协同效应 Article

Waqas Ahmed, Muhammad Moazzam, Biswajit Sarkar, Saif Ur Rehman

《工程（英文）》 2021年 第7卷 第2期   页码 260-271 doi: 10.1016/j.eng.2020.07.022

摘要：

在洲际贸易和经济中，商品是从全球供应商那里购买的。有时，预期批次可能包括一小部分残次品。这些残次品可以在修理后出售给顾客，因而仍具有价值。在附近的维修车间对此类产品进行返工而不是退货，既经济划算又可持续。当缺货数量与残次品数量一致时，返工产品可以从车间返回给买方。同时，供应商也会相应地与采购商采取多期延迟付款的策略。整体利润通过中期融资的回报得到最大程度的提高。本研究的目的是建立一个协同库存模型，通过考虑返工、多期延迟付款政策及库存短缺等因素，以获得最大的利润。该模型的研究结果表明，在库存乐观的情况下，通过监控周期时间和阶段比例，可以提高供应链的库存管理绩效。结果证明，当供应商给予买方的许可期限等于或大于生产周期时，利润较小；反之，则利润较大。本文采用代数方法求解封闭系统的最优解。本研究的数学实验旨在提供管理见解与切实可行的实践。

关键词： 残次品     返工     短缺     多期延迟付款     非衍生方法    

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标题 作者 时间 类型 操作

Blockchain-based smart contract for smart payment in construction: A focus on the payment freezing and

期刊论文

金融零售支付风险控制的现状、挑战与对策研究

周皓,柴洪峰

期刊论文

Research and practice on system engineering management of a mobile payment project

Yongkai ZHOU, Hongfeng CHAI

期刊论文

通过机器学习实现移动设备支付中绑定银行卡环节的欺诈侦测

Hao ZHOU, Hong-feng CHAI, Mao-lin QIU

期刊论文

Using sound Clinical Paths and Diagnosis-related Groups (DRGs)-based payment reform to bring benefits

Zhi-Ruo ZHANG PhD, Jian-Qing MI MD, Zhao-Jun WEN MA, Sai-Juan CHEN MD, PhD, Zhu CHEN PhD, Long-Jun GU MD, Jing-Yan TANG MD, PhD, Shu-Hong SHEN MD, PhD,

期刊论文

全球供应链中残次品返工与多期延迟付款和部分延迟订购整合的协同效应

Waqas Ahmed, Muhammad Moazzam, Biswajit Sarkar, Saif Ur Rehman

期刊论文

柴洪峰：移动支付在金融领域的应用（2018年5月31日）

柴洪峰(院士)

2021年08月16日

会议视频