Key Points of Supervision of Third-Party Payment Business:A Comparative Analysis of China's Mainland and Macao

China's Mainland has witnessed remarkable achievements in payment innovations based on internet and financial technologies in recent years,whereas Macao has made little progress in financial technologies,especially in payment technologies.Based on the concept and types of third-party payment business in China's Mainland and Macao,as well as to investigate the causes for Macao’s lack of innovation in third-party payment,this study compares their differences from two aspects:business licensing authorities and key points of supervision.By comparison,although the classification and methods of third-party payment businesses are different between China's Mainland and Macao,they are all managed and licensed by a unified supervision department.Moreover,the key points of supervision in both places are similar,but unlike China's Mainland,which takes financial risk prevention as the principle and financial technology as the means to encourage innovation,Macao showed obvious deficiencies.In order to further deepen the connection between the financial markets of China's Mainland and Macao as well as boost financial technologies in Macao,this study aims to provide some suggestions and references for the development of cross-border payment systems.

Self-attention Guidance Based Crowd Localization and Counting

Most existing studies on crowd analysis are limited to the level of counting,which cannot provide the exact location of individuals.This paper proposes a self-attention guidance based crowd localization and counting network(SA-CLCN),which can simultaneously locate and count crowds.We take the form of object detection,using the original point annotations of crowd datasets as supervision to train the network.Ultimately,the center point coordinate of each head as well as the number of crowds are predicted.Specifically,to cope with the spatial and positional variations of the crowd,the proposed method introduces transformer to construct a globallocal feature extractor(GLFE)together with the convolutional structure.It establishes the near-to-far dependency between elements so that the global context and local detail features of the crowd image can be extracted simultaneously.Then,this paper designs a pyramid feature fusion module(PFFM)to fuse the global and local information from high level to low level to obtain a multiscale feature representation.In downstream tasks,this paper predicts candidate point offsets and confidence scores by a simple regression header and classification header.In addition,the Hungarian algorithm is used to match the predicted point set and the labelled point set to facilitate the calculation of losses.The proposed network avoids the errors or higher costs associated with using traditional density maps or bounding box annotations.Importantly,we have conducted extensive experiments on several crowd datasets,and the proposed method has produced competitive results in both counting and localization.