标签： 上海狼盟

　　"The card is still there, and the money was stolen", "The credit card slip was abandoned casually, and money was lost", "Filling in the online questionnaire for the gift, and being harassed by the phone" … … These phenomena are not uncommon, and most of them are related to the disclosure of personal financial information.

　　At present, the Internet platform has become a widespread collector and user of personal information and data, but some institutions are not optimistic about the protection of consumers’ financial information. Recently, a research article published by the research group of the Financial Consumer Rights Protection Bureau of the People’s Bank of China pointed out that some head Internet platforms have some problems in terms of format, information collection and use, and marketing promotion.

　　Come and learn about the common "routines" used by some institutions to collect personal financial information, which will help you polish your eyes and "reverse routines".

　　1. The "terms" are rich in content and professional, and consumers are over-collected without knowing it.

　　When registering financial applications on mobile phones, there are often relevant clauses and privacy policy statements issued in the form of format contracts, requiring users to agree to authorization. However, most people have not carefully read these "terms" with various contents and strong professionalism. Even if consumers read the terms carefully, if they don’t agree, it often means that they can’t use the software.

　　As everyone knows, in actual implementation, such clauses often excessively collect the information of financial consumers. In addition to some necessary information, many Internet platforms have collected additional information about financial consumers’ identities, transactions, assets and liabilities, litigation information, performance information and judgment information of performance ability.

　　According to the relevant persons of the Central Bank’s Financial Consumer Rights Protection Bureau, on the one hand, the Internet platform has absolute "right to speak" on the scope of information collection, and the scope of "necessary information" collected is too wide; On the other hand, consumers may not really "know" or "agree" with the content of information collected by Internet platforms.

　　To this end, the Measures for the Administration of Credit Information Business (Draft for Comment) promulgated by the People’s Bank of China in January this year clearly stipulates that credit information collection by credit reporting agencies should follow the principle of "minimum and necessity" and should not be excessively collected. The collection of personal credit information by a credit reporting agency shall be subject to the consent of the information subject, and clearly inform the information subject of the purpose, information source and information scope of collecting credit information, as well as the possible adverse consequences of not agreeing to collect information.

　　2. Excessive tracking and collection of users’ "digital footprints", and "precision marketing" is highly induced.

　　Many people have this experience: only after searching for a brand new mobile phone, the consumer loan advertisement of small loan company appears in front of them; I just praised the face value of a star in a circle of friends, and the recommendation of medical cosmetic surgery and "cosmetic loan" came naturally … …

　　Behind these "precision marketing" is the "full mastery" of personal information of financial consumers by some Internet platforms. Driven by commercial interests, some large Internet platforms will excessively track and collect users’ "digital footprints" and improperly use data-driven marketing strategies.

　　Among the many "digital footprints" of users, all kinds of financial information, including account information, transaction information, credit information, etc., are the most valuable, which can build the "credit" pillar of large-scale Internet platforms. By digging up users’ financial behavior, analyzing the characteristics of users’ financial behavior and pushing a large number of financial marketing advertisements, "ahead of consumption" and "over consumption" are accepted by some people with fragile credit.

　　When more high-risk and low-net-worth people are attracted into the "unsecured consumer loan" trap, financial risks are quietly brewing. Therefore, the research group of the Central Bank’s Financial Consumer Rights Protection Bureau reminded that it is necessary to urge large-scale Internet platforms to tap the value of information under the premise of legality, compliance, reasonableness, reasonableness and moderation, and promote consumption upgrading, instead of "wool" information, let alone killing the goose that lays the golden eggs and exhausting the resources.

　　3. Internet platform improves the "availability" of credit, but often ignores the "affordability".

　　You don’t have to "grovel" in front of friends and relatives to borrow money. You just need to apply for a loan on the Internet platform and you will have the opportunity to get financial support. It is true that this has improved the "availability" of credit, but for people with fragile credit, behind the great temptation is the "affordability" that is easily overlooked.

　　In the view of the research group, the development of digital inclusive finance cannot be separated from the foundation of consumer protection and personal financial information protection, and it is necessary to urge large Internet platforms to establish the concept of "responsible finance".

　　The research group suggested that the financial business should be fully regulated according to law, the supervision of large-scale Internet platforms should be strengthened, the anti-monopoly review of large-scale Internet platform enterprises should be strengthened, and the financial marketing propaganda behavior of large-scale Internet platforms should be standardized.

　　4. How do consumers protect the security of personal financial information? Expert advice:

　　(1) Keep bank cards, ID cards, electronic banking authentication media, etc. properly, and never rent or lend them to others for use;

　　(2) In daily life or on the Internet, don’t disclose basic information such as bank card number, account password, SMS verification code and property status to others at will;

　　(3) Try to handle financial business in person, and don’t entrust unfamiliar people or intermediaries to guard against personal information being stolen;

　　(4) When downloading and installing the App or handling business in a third party, pay attention to the relevant authorization authority, carefully read the relevant agreements, contract terms and fill in personal information to avoid illegal use of important information;

　　(5) Do not discard transaction vouchers such as credit card purchase orders, ATM receipts, credit card statements, etc. The invalid financial business documents should be shredded or destroyed by a shredder;

　　(6) Be wary of telephone calls and emails asking you for personal financial information. If you encounter such situations, you should be vigilant and call the police immediately if necessary;

　　(7) When providing copies of personal identity documents for various businesses, the purpose of use shall be indicated on the copies to prevent the copies of identity documents from being used for other purposes. (Wu Yu, Tang Jianhui)

On April 20, Hubei Xinqing Technology Co., Ltd. (hereinafter referred to as: Xinqing Technology), a leading overall solution provider of automotive electronic chips, ushered in another new milestone during the Shanghai Auto Show – the new new energy medium-sized SUV model of Lynk & Co 08, which is equipped with two 7-nanometer car-grade intelligent cockpit chips of Xinqing Technology "No. 1", made its debut at the Shanghai Auto Show. The "No. 1" got on the Lynk & Co 08, which not only shows that the strong strength of Xinqing Technology in the field of domestic high-end automotive chips has been certified by the market, but also breaks the situation that high-performance car-grade chips are monopolized by foreign manufacturers, providing Chinese car companies with a new choice.

Based on the world’s leading 7-nanometer process design, XQ Technology’s car-grade smart cockpit chip "No. 1" has a high-performance computing power cluster, an independent NPU with 8-core CPU, 14-core GPU, and 8 TOPS AI computing power. Its powerful audio & video processing capability can support up to 7-screen high definition picture output and 12-channel video signal access, and is the first in the industry to be equipped with dual HiFi 5 DSP processors.

The high-performance heterogeneous computing architecture of "XL-1" provides surging computing power, taking the cockpit experience of Lynk & Co 08 to the next level. The model adopts dual "XL-1" solutions, and the powerful CPU and GPU computing power can smoothly support its industry-first 92-inch giant canopy HUD, with a resolution of 2K, real-life navigation covers three lanes, and supports mobile Inter-App communications to watch movies and play games, further providing an immersive cockpit experience.

In addition, the 16 TOPS computing power of the dual "XL-1" supports the auxiliary driving functions of L0-L2, including APA assisted parking, RPA remote parking and other full-scene parking, and is equipped with multi-channel cameras, which significantly improves the safety and convenience of driving. It is also worth mentioning that the "XL-1" chip is also equipped with the "black technology" of eye tracking function. AR-HUD can adjust the best viewing angle in real time according to the height of the driver’s eye, which is more conducive to eye focus during driving.

By cooperating with Meizu Flyme Auto system, "No. 1" can give full play to its high performance, low power consumption and high integration characteristics, empower Lynk & Co’s smart and sensory digital cockpit experience, and truly elevate the human-machine interaction experience of cars and machines to the level of mobile phones, opening a new era of advanced intelligence.

Dr. Wang Kai, Director and CEO of XQ Technology, said, "It is of great significance to us that the’No. 1 ‘has been selected and carried by the new Lynk & Co 08.’ No. 1 ‘sets the standard for the most advanced products in the international market in the fields of design, process and performance, and can help customers continue to exceed in the field of intelligence, so as to achieve full-scene intelligent connectivity and smart travel. XQ Technology is committed to providing better choices for OEMs in terms of performance, overall cost, and information security. The combination of’No. 1’ and Lynk & Co 08 will set a new benchmark in the industry. We will continue to use our own R & D strength and expertise to promote domestic chips to higher standards and empower the development of intelligent vehicles in China."

As the global automotive industry sprints towards intelligence, smart driving and cabin and parking integration, as two popular trends in the automotive field, have ushered in a boom in rapid development. "No. 1" can perfectly support the cabin and parking integrated solution, thus enabling OEMs to significantly reduce costs and upgrade technology to the direction of cabin and parking integration.

The localization of chips is of strategic significance in the development of smart cars, and the independent core technology mastered by Xinqing Technology helps to ensure the security of the automotive supply chain. "No. 1" has built-in independent functional safety islands and information safety islands, and different processor clusters independently serve different functional domains, which can meet the high security and reliability requirements of the Chinese market for vehicle-grade chips, and escort the information security of automobiles.

The "No. 1" is equipped with the new model Lynk & Co 08, which will cooperate with the Lynk & Co brand to achieve intelligent and electric transformation, build core competitiveness, and create higher value and ultimate experience for users. In the future, Xinqing Technology will also continue to focus on forward-looking layout, accelerate product iterative upgrades, better meet the needs of China’s smart car market, and realize the beautiful vision of "allowing everyone to enjoy driving".

Last night, our country successfully launched the first solar exploration science and technology test satellite "Xihe" at the Taiyuan Satellite Launch Center, marking our country’s entry into the era of "sun exploration". The full name of "Xihe" is the solar H α spectral detection and double super platform science and technology test satellite. What is H α? What does "double super" mean? What mysteries can this satellite detect about the sun? Jiefang Daily Shangguan News reporter interviewed Shi Wei, director of the Shanghai Planetarium Network Science Department.

The radiation that jumps from the third floor to the second floor is Hα

Hα, pronounced the "hydrogen alpha coefficient," refers to a spectral line of a hydrogen atom with a wavelength of 656.281 nanometers, which lies in the red range of visible light. What is a hydrogen atomic spectral line? According to the Bohr model of the atom, electrons do not move around the nucleus in a specific orbit within the atom, Shi Wei explained, but in an "orbit" with a quantized distribution of energy.

The so-called quantum is the inseparable smallest unit of a physical quantity. A physical quantity is quantized if it cannot be changed continuously and can only take some discrete values. It is like taking a staircase, we can only climb one step, not half. Scientists have found that many physical quantities in the microscopic world are quantized. For example, the energy of electrons in hydrogen atoms can only take one basic value – 13.6 electron volts or its 1/4, 1/9, 1/16, 1/25, etc., but not 2 times or 1/2, 1/3.

There are countless energy levels outside the nucleus of a hydrogen atom, and each energy level can be regarded as an orbital, and the energy levels are discontinuous and uneven. Although a hydrogen atom has only one electron, it can appear at any energy level and can transition between energy levels. Electrons jump from energy level "n = 3" to "n = 2", releasing light of a specific energy, which is the Hα emission line.

Electrons jump from energy level n = 3 to n = 2, releasing light of a specific energy, which is the H alpha emission line. (Source: Wikipedia)

"You can think of the orbit of an electron outside the nucleus of a hydrogen atom as the various floors of a building. The ground is the nucleus, and each floor is an energy level. From the bottom to the top, it is marked with n = 1, n = 2, n = 3, and so on." Physicists refer to the spectral lines emitted by electrons that jump from the third floor and above to the second floor as the "Balmer system" (named after the physicist John Balmer), Shi Wei said. The radiation that jumps from the third floor to the second floor is called Hα, from the fourth floor to the second floor is called Hβ, from the fifth floor to the second floor is called Hγ, and so on.

Red light H α is the brightest hydrogen spectral line in the visible spectrum. By observing this band of light, astronomers can understand the atmospheric characteristics of the solar spherical and chromospheric layers, as well as atmospheric activities such as solar prominences, and analyze the changes in atmospheric temperature, speed and other physical quantities during solar outbursts, so as to deeply study the dynamic process and physical mechanism of solar outbursts.

Full-time faces in the Hα band (Photo by Alan Friedman)

Double super platform technology has broad application prospects

The "Xihe" satellite adopts a "dual super" satellite platform design with ultra-high pointing accuracy and ultra-high stability, which greatly improves the pointing accuracy and attitude stability of the load.

In this regard, Shi Wei explained that a satellite generally consists of a platform and a load. The satellite platform is responsible for the system service and guarantee of the entire satellite, including control, propulsion, thermal control and other systems. The load is the detector that performs scientific tasks, such as CCD cameras, particle detectors, magnetometers, etc. Traditional satellite designs directly connect the load to the platform, and the directivity and stability of the load are completely realized by the platform. However, the platform is "dynamic" and the load is "static" – when the satellite is in orbit, the micro-vibration of the platform cannot be avoided, and the load needs to be accurately pointed at the target at all times, so the pointing accuracy and stability of the load are always restricted by the vibration of the platform.

In order to solve this contradiction, the satellite development team made an innovation in design, dividing the satellite platform into two cabins – the platform cabin and the payload cabin. The platform cabin contains the structure subsystem, the integrated electronic subsystem, the measurement and control subsystem, the data transmission subsystem, the power subsystem, the attitude and orbit control subsystem, the electric flotation control subsystem and the cabin connection unlocking subsystem. The payload cabin contains the structure of the payload cabin, the integrated electronics of the payload cabin and the load. The effect of "dynamic and static isolation and leader/follower coordination" is achieved by using electric flotation control between the two cabins.

Dual Supersatellite Load Design (Source: School of Astronomy and Space Sciences, Nanjing University)

Using this "airframe anti-shake" technology, the directivity and stability of the payload are improved by 1-2 orders of magnitude compared with traditional satellites, which will make the "Xihe" more accurate and stable when "taking pictures" in space, and obtain higher-quality images.

In the future, the dual super platform technology will be widely used in space missions such as high-resolution ground detailed investigation, large-scale three-dimensional mapping, and exoplanet discovery, which is expected to promote the leap-forward development of space science and technology implementation in our country.