After many twists and turns, the 14 million grand prize in the man’s lottery ticket was finally returned to its owner.

  Entrusted the owner of the lottery shop to buy lottery tickets on his behalf, but he won 14 million prizes. But when I wanted to get the lottery ticket, I found that the boss couldn’t contact me, and even the lottery shop was closed. Upon further inquiry, the winning lottery ticket went to the boss’s friend.

  The boss took the lottery and ran away? Or do you want to swallow the grand prize? Who finally won the 14 million prize?

  Yesterday, a reporter from qianjiang evening news came to this small lottery shop in Shengzhou. On November 10th, five days after closing, the lottery shop reopened. After this big prize storm, Xiao Xu, the post-90 s boss, was a little tired. He said, "If the sports lottery shop stops, I may never know for a lifetime, but I am willing to stand up and deal with this crisis."

  Won more than 14 million yuan.

  I can’t get the lottery ticket.

  Things should start from November 5.

  Mr. Sun, an old lottery player in Shengzhou, followed a group of lottery tickets for a long time, spending 218 yuan a week to follow 109 lottery tickets. Sometimes he doesn’t have time, he will entrust a nearby sports lottery station to buy it. On November 5, Mr. Sun WeChat entrusted Xiao Xu to buy tickets. Xiao Xu is 23 years old. He has just opened this sports lottery station for two months.

  On the night of the Super Lotto, two of the lottery numbers purchased by Mr. Sun won the first prize, and the bonus for each note was 7114758 yuan. In this way, Mr. Sun won more than 14 million yuan.

  Mr. Sun was so excited that he called Xiao Xu immediately. Xiao Xu also confirmed that Mr. Sun won the lottery. Who knows that after this call, Xiao Xu can’t contact and the store is closed.

  Seeing that the prize is about to be redeemed, but the lottery ticket is not available, Mr. Sun is anxious.

  There is only one lottery ticket.

  There are two winners.

  The lottery ticket that won the grand prize is in the hand of Mr. Ying, a friend of Xiao Xu. What’s going on?

  The following is Xiao Xu’s self-report:

  On the morning of November 3rd, Mr. Ying came to my shop. He only bought scratch music before, and this time he asked me how to buy the lotto. I recommend him to buy a set of numbers that Mr. Sun often calls. In the evening, we watched TV together. On November 4th, at about two o’clock in the morning, he gave me 220 yuan to buy lottery tickets. But the lottery machine was off at that time, so I told him to help him type out the lottery ticket the next day. Unfortunately, I forgot later.

  On November 5, I asked Mr. Sun on WeChat as before if he wanted to type out the lottery ticket he had been following. Mr. Sun said yes, so I typed the ticket for him.

  After the lottery that night, Mr. Sun called me, and I was very excited. But this time I remembered that I only had one set of lottery tickets.

  I’m a little flustered, because it’s more than 10 million yuan after all, and we ordinary people can’t earn so much money in our lifetime.

  Who will win the lottery? Mr. Ying told Xiao Xu that he had called and paid the money on the spot, so the lottery ticket belonged to him. So, Xiao Xu handed the lottery ticket to Mr. Ying that night.

  Who should the lottery go to?

  Shopkeepers, they asked seven lawyers.

  Xiao Xu said that he later found that there were more than 20 people around the door of the store, and he panicked, so he turned off his mobile phone and the store was closed.

  Here, Mr. Sun, who was in a hurry to get angry, consulted a lawyer, and the lawyer suggested applying to the court for property preservation.

  On November 7, when Mr. Ying took the lottery ticket to win the prize, he found that it had been frozen.

  For the ownership of the grand prize, the two began to negotiate.

  Xiao Xu also clarified to us that he has been negotiating with two lottery buyers and has not run away. "When people see me close the door, they must think I’m looking for ‘ Tuo ’ Stealing the grand prize, or I ran away with the lottery ticket. In fact, the next day, I contacted Mr. Sun with my mother’s number and told the story, which was evidenced by the call record. "

  Xiao Xu said that for this matter, he and Mr. Ying consulted different lawyers seven times. "Shengzhou consulted four and Hangzhou asked three."

  Xiao Xu is concerned about whether he is responsible for this matter. What Mr. Ying asked is whether he can win the grand prize.

  Lawyer: Let’s see whose evidence is reliable.

  Who should win the grand prize? Let’s listen to the lawyer.

  Lawyer Chen Yilai of Zhejiang Times Commercial Law Firm analyzed: Mr. Sun entrusted Xiao Xu to buy lottery tickets through WeChat, and the entrustment relationship was still established whether he paid or not. If Mr. Sun can’t get the lottery ticket, he can file a lawsuit, and the WeChat message between him and Xiao Xu can be used as electronic evidence.

  What about Mr. Ying? According to Xiao Xu, Mr. Ying paid in cash at that time, accompanied by Mr. Ying’s wife and a friend, and there was no other physical evidence. The lawyer explained that the key evidence identification mainly lies in documentary evidence, and witness testimony has only an auxiliary role, while the effectiveness of interested witness testimony needs to be verified.

  If Mr. Ying wants to get back the lottery prize, he can sue Xiao Xu and ask the other party to compensate according to the amount of the winning lottery ticket. This is a typical contract breach lawsuit. But effective and sufficient evidence must be provided.

  Outcome: Who will get 14 million yuan?

  On November 9th, the lawyers of Mr. Ying and Mr. Sun negotiated, and the lottery ticket went to Mr. Sun. After that, the lottery ticket was successfully redeemed and the sports lottery station reopened on the same day.

  Mr. Ying, who passed the grand prize, said that his mood these days is like riding a roller coaster, going back and forth from the peak to the bottom countless times. However, he and Xiao Xu have been friends for many years. If they cut off contact for lottery tickets, it would not be worth the loss, so they have no intention to sue Xiao Xu.

  Our reporter Wang Zifang Wen/photo

How does technology reshape the new format of financial services? KPMG China summarized these nine trends.

At present, the rapid penetration of a new generation of information technology in various industries is the general trend, and the financial industry is the most important. Financial services have gradually evolved in the innovation and development of financial technology, which has opened a new situation of digital transformation and gradually become a new engine to promote the transformation and upgrading of the whole industry and the whole industrial chain.
The newly released KPMG China Double 50 list of financial technology enterprises in 2023 and the annual trend report integrate the industry empowerment resources, sort out the strategic advantages of special fields, and emphasize the development trend of inclusive finance from "integration of numbers and reality" to "symbiosis of numbers and reality", which provides multi-faceted reference and support for the prosperity of China’s financial technology industry and promotes the construction of China’s financial technology ecosystem.
Huang Aizhou, managing partner of KPMG China Financial Technology, said that in the process of digital transformation of the financial industry, there are unique advantages compared with other industries in the three pillars: algorithm, computing power and data, which are needed for the vertical model of the industry to land. Among them, the data determines the intelligent scope of the big model, and the financial industry has mastered a large number of historical data and written materials, which provides natural convenience for the development of the big model of the industry; Financial technology enterprises have also formed their own unique solutions in the process of financial digitalization and intelligence in terms of algorithms and computing power. It is expected that as the bottom big model changes from increment to stock stage, fighting for quality and landing will become the focus of competition, and the competitive advantage of enterprises on the reasoning side of the force model will be further revealed.
The report analyzes and summarizes the listed enterprises in five dimensions: professional field, city and region, main technical elements, proportion of technical personnel and establishment time.
In addition, the report also introduces in detail the development trend and future development layout of financial technology in 2023.
Trend 1: The development of financial macro-model will have a far-reaching impact on the paradigm of financial technology industry (annual trend). In the era of mobile Internet, China’s financial technology has made numerous innovations in mobile payment, digital credit and other fields, leading the world. Domestic manufacturers are actively developing the layout of large financial models, and relevant enterprises need to build competitive advantages by "having data" and "understanding scenarios". The wide application of the future financial big model will have a subversive impact on the current industry paradigm in the following aspects: the change of AI cognition and concept, reshaping customer service process and experience, improving risk management, improving financial service efficiency and innovating financial business forms.
Trend 2: Science and technology investment pays more attention to output energy efficiency, and peer-to-peer science and technology output changes to ecological empowerment mode (integrated financial technology). Comprehensive financial technology enterprises actively embrace the new round of scientific and technological development opportunities brought by the big model by virtue of their scientific and technological advantages and innate financial industry genes. On the one hand, we continue to increase investment in science and technology, but pay more attention to business orientation and precise focus in objectives and methods; On the other hand, it continues to export scientific and technological capabilities to its peers, and the service direction has changed from traditional technical empowerment to all-round ecological empowerment.
Trend 3: AI helps to innovate wealth management, and the core system of the organization is autonomous and accelerated (wealth technology). Since the end of 2022, the explosive development of AIGC has brought great imagination to the financial industry. Wealth technology companies apply their accumulated data and experience in the field of AI application to the training of financial big models, providing support for wealth management business scenarios such as investment, research and marketing. It is expected that with the maturity of AIGC technology, wealth management institutions will explore more application scenarios of the big model to improve efficiency and service upgrade; At the same time, AIGC still needs to be cautious in providing investment advice to customers directly, due to unclear relevant supervision and data security and data privacy issues. On the other hand, wealth technology enterprises actively provide the latest technical solutions for large and medium-sized wealth management institutions, and gradually improve the efficiency, stability and autonomy of the core system through the modularization and decentralization of distributed technology.
Trend 4: Insurance technology has evolved into risk reduction management, and the service boundary (insurance technology) has been continuously expanded in combination with industrial upgrading. At present, the principle of risk management in insurance industry has gradually evolved from equal risk management to risk reduction management. On the one hand, relying on the wide application of new technologies, insurance technology companies will transform the original uninsurable risks into insurable risks, and relax the original restrictive underwriting conditions to comprehensive underwriting, which will create a broader insurance market space. On the other hand, technology no longer depends on insurance, but penetrates into the development process of all walks of life, and in the process of development, new risk management demands are derived, and the service boundary of insurance technology is continuously expanded by combining with industrial upgrading.
Trend 5: Digital symbiosis and digital platform services accelerate the development of inclusive finance (Pratt & Whitney Technology). The symbiosis of number and reality will accelerate the development of inclusive finance, thus achieving the high-quality development goals of inclusive finance, such as more popular basic financial services and more convenient financing for business entities. In addition, through the digital service platform, small and medium-sized enterprises can widely access digital resources, build digital intelligent business processes, meet the ever-changing market demand, and accelerate the digital intelligent transformation of small and medium-sized enterprises.
Trend 6: Multi-parties join hands to expand the new blue ocean of supply chain finance, and scene product innovation is emerging (supply chain technology). With the vigorous development of digital economy, the digital penetration rate of supply chain finance has gradually increased. The supply chain science and technology platform has accelerated its efforts in the scene business. It is expected that there will be more scene-based innovative products based on data credit in the future, and the traditional confirmation mode will begin to weaken. In addition, many large enterprise groups have responded to the policy call and accelerated the pace of building a supply chain platform; Financial institutions also pay more attention to cooperation with core enterprises and high-quality supply chain technology third-party platforms.
Trend 7: Mobile payment innovation scenario application, cross-border payment opens up a new chapter in the sea (payment technology). From the C side, the third-party payment platform expands its business by exploring new scenes and product innovation; From the B side, the mobile payment platform is empowered based on the payment function and provides integrated services. In addition, the cross-border payment platform not only provides payment services for customers, but also provides services such as foreign exchange and foreign exchange risk management for enterprises, as well as services such as platform opening, global acquiring, overseas marketing and supply chain financing, so as to provide customers with comprehensive services to enhance customer stickiness.
Trend 8: Regulatory technology is expected to improve regulatory efficiency with the help of large models (regulatory technology). The rapid development of emerging technologies such as AIGC provides imagination for the development of financial supervision technology, and the development of supervision technology will increasingly rely on scientific and technological means to achieve more efficient and accurate supervision. At the same time, the development of regulatory technology will also promote financial technology innovation and empower the financial industry to deepen digital transformation.
Trend 9: A new round of development opportunities will be opened, and a big article on digital finance (platform technology empowerment) will be done with the tide. At the present stage, the trends of innovation and going out to sea are highly certain, and actions such as "data elements ×" and "high-quality development of computing infrastructure" have been steadily promoted, which coincides with the opportunity of technological change brought by the big financial model and generative AI, and is expected to drive the sustained release of China’s financial technology value, further affect the global market and help the high-quality development of digital finance.
Author: Tang Weijie
Text: Tang Weijie Photo: Information Photo Editor: Shang Hui Editor: Rong Bing
Please indicate the source when reprinting this article.
Reporting/feedback

Do you still need a structural biologist with AI? Wait for the top experts in Shi Yigong to see it this way.

Recently, Yan Ning, a famous structural biologist, announced that he would resign from Princeton University and set up the Academy of Medical Sciences in Shenzhen. In response to the latest research that she will focus on when she returns to China, she said that the discovery of structural biology is of great significance to the pharmaceutical industry, including the research on the interaction between drugs and hormones, which has more implications for drug development and disease treatment.

Yan Ning said, for example, that through the method of structural biology, scientists saw for the first time that two commonly used drugs used protein as a "scaffold", which directly "side by side" affected the normal function of protein.

Technological change promotes the development of structural biology.

Protein, as the scaffold and main substance of human tissues and organs, plays an important role in human life activities. In the cell, a large number of protein elements form the molecular machines, which performs important molecular processes in the cell through the interaction of protein, including the cell’s response to the external environment and the internal environment, and also forms a signal transduction network system with the interaction of protein as a link.

Structure By studying the three-dimensional structure, dynamic process and biological function of biological macromolecules, biology can provide more details of protein interaction and real-time dynamic process, thus helping scientists to understand molecular mechanism and explore the pathogenesis of diseases related to macromolecular dysfunction.

The development of biology not only contributes to the discovery of drugs, but also affects the research fields of life sciences including biochemistry, cell biology, genetic development, neurobiology, microbiology and pathopharmacology.

The development of science and technology has been promoting the progress of structural biology. In 2017, the Nobel Prize in Chemistry was awarded to cryoelectron microscopy, which can greatly improve the efficiency of analyzing the atomic resolution three-dimensional structure of large protein complexes; Moreover, researchers can freeze biomolecules in motion and visualize their motion process.

This breakthrough has brought a perfect storm to the field of structural biology. In recent years, important breakthroughs have been made in the field of life sciences. The work of China scientists such as Cheng Yifan, Shi Yigong, Yang Maojun and Liu Zhengfeng has also benefited from this technology. They have analyzed the important complex structure of atomic resolution. In addition, the enzyme that produces the protein that leads to Alzheimer’s syndrome was analyzed by cryomicroscope.

In August, 2015, Shi Yigong’s research team published an article in Nature, reporting the three-dimensional electron microscope structure of human γ -secretase with a resolution of 3.4 angstrom, and studying the function of the pathogenic mutant of γ -secretase based on the structure analysis, which provided an important foundation for understanding the working mechanism of γ -secretase and the pathogenesis of Alzheimer’s disease.

In February, 2020, after the outbreak of COVID-19, the research team of West Lake University successfully analyzed the full-length structure of novel coronavirus receptor ACE2 for the first time by using cryo-electron microscopy, which helped the research and development of drugs in COVID-19.

What does AI predict protein folding change?

With the help of artificial intelligence technology, DeepMind, a subsidiary of Google, recently announced 220 million kinds of protein structures predicted by AlphaFold software, which shocked the field of structural biology, because it indicates that artificial intelligence enterprises have begun to "truly hand over the power of Al to scientists all over the world".

Scientists compare the significance of this disruptive breakthrough with the human genome project. In the 1990s, when the Human Genome Project began to take shape, scientists realized that it was not enough to master the base arrangement of genes, but also to know the protein, the product of genes.

Shi Yigong, academician of China Academy of Sciences, structural biologist and president of West Lake University, commented on AlphaFold’s work: "Its accurate prediction of protein structure is the greatest contribution of artificial intelligence to the scientific field, and it is also one of the most important scientific breakthroughs made by mankind in the 21st century."

Shi Yigong once told China Business News: "AlphaFold represents the world’s leading artificial intelligence protein organization prediction system." At the same time, he said, China’s high-tech enterprises are catching up, expecting to bring surprises to the world in the near future.

He also said that the improvement of the accuracy of protein structure prediction will greatly benefit the pharmaceutical industry. "Artificial intelligence prediction of protein structure provides an important foundation for drug design and optimization. The structure of drug target proteins combined with all small molecule drugs can almost be wiped out by AlphaFold. " Shi Yigong said.

In the opinion of some scientists, although AlphaFold’s work is shocking, the accuracy of drug research and development prediction is not enough. Professor Liu Zhijie, executive director of iHuman Institute, Shanghai University of Science and Technology, told the First Financial Reporter: "It has been a long time to predict the protein structure. Now the accuracy of the prediction is definitely getting higher and higher, but it still hasn’t reached the precision of crystal structure."

Liu Zhijie First Financial News told the reporter that the crystal structure is the most accurate, and now artificial intelligence can predict the protein folding with the accuracy of electron microscope and nuclear magnetic resonance. In addition, because there are thousands of structures in protein, the difficulty of analysis is different. "If some protein sequences are similar to the known structure of artificial intelligence, it is easier to predict." Liu Zhijie said.

However, he still believes that with the continuous improvement of the prediction accuracy of protein folding, it will play a more important role in the field of life sciences in the future. "If the current prediction can reach the accuracy of electron microscope, some drugs can already be designed. Drug design is the biggest application field of artificial intelligence protein folding prediction." Said to Liu Zhijie First Financial Reporter.

Others think that with the development of artificial intelligence, there may not be so many structural biologists in the future. "Many researchers who do structural biology are actually more like technical service personnel. The more people there are, the more structures that can be analyzed. Therefore, in essence, a large part of their work depends on manpower. Now with AI, it is true that a large number of people who do structural biology have changed careers." A virus researcher told the First Financial News reporter.

However, for top structural biologists such as Shi Yigong, technology is only a powerful support for the "top brain", which can help them realize more ideas. "Every conscientious biologist should know how to make good use of the structural prediction of artificial intelligence." Shi Yigong said.

Professor Michael Levitt, winner of the Nobel Prize in Chemistry in 2013, told China Business News: "I think many structural biologists are not only doing structural research, but also doing a lot of work on protein function and drug research and development, just like Professor Yan Ning. Artificial intelligence only liberates a part of traditional manpower, but the progress of science still needs to rely on the smartest human brain. I’m afraid that artificial intelligence alone will not work. "

In recent years, a number of AI pharmaceutical companies have also been born in China. In this regard, Ewing Nan, academician of Chinese Academy of Sciences and president of Beijing Institute of Scientific Intelligence, pointed out to the First Financial Reporter: "The emergence of AI for Science research paradigm is an important historical opportunity for scientific and technological innovation, which not only expands the capability boundary of data-driven and physical model-driven models, but also is expected to promote the organic combination of the two, provide theoretical basis for further solving practical problems, and greatly narrow the distance between scientific research and practical application."

Shanghai to Zhejiang self -driving travel detailed route

  

      First, drive an elevated road along Humin Road. 6 kilometers from exit to enter Shanghai to Kunming highway

  Second, in Shanghai to Kunming Highway

  1) Drive 430 meters along the Shanghai -Kunming Expressway. Hangzhou/G60/Ningbo/Xinzhuang direction, open a small right

  2) Continue along Shanghai to Kunming Expressway 27. 6 kilometers straight into the Hangzhou Bay Ring Road Expressway

  Third, Hangzhou Bay Wound Highway Expressway

  Travel 52 along Hangzhou Bay Ring Road. 7 kilometers, go directly to Hangzhou, open a little bit of Shanghai to Kunming highway

  Fourth, in Shanghai to Kunming Expressway.

  Travel along Shanghai to Kunming highway. 3 kilometers, go directly to Hangzhou/ Qiandao Lake/ S2, and turn to Hangzhou -Ningbo Expressway

  Fifth, Hangzhou -Ningu Highway

  1) Drive along Hanging Highway 21. 9 kilometers directly to Hangzhou/Desheng Road, and it becomes a little bit of Disheng

  2) Walk 610 meters along Desheng Road, and open a small right

  Sixth, Zhejiang driving plan

  1) Continue to run 840 meters along De Sheng, enter Disheng Fast from the entrance

  2) Drive 680 meters along Desheng quickly, leave the slope from the airport exit

  3) Drive 360 ??meters along the ramp and go straight into Dusheng East Road

  4) 580 -meter driver along the Sheng Dong Road, turn left in front to enter the airport road

  5) 3 drivers along the airport road. 7 kilometers, in the direction of the Chengdong Bridge Stadium, rotate the bridge slightly

  6) Travel along the bridge 1. About 60 meters after 2 kilometers from the Hangzhou Criminal Investigation Building, go straight into the field

  7) 2 drivers along the stadium road. Turn left to the ancient Xinhe Bridge at 9 kilometers and enter Western Road

  8) 530 meters along the West Road of the Ring City, open the provincial roads and bridges into the provincial government

  9) Drive 280 meters along the provincial government. Arrive at the end (on the right side of the road)

Mobile phone access Shanghai local treasure first page

Electromechanical Online | Women’s Basketball Game semi -final (electromechanical VS material ring)

New youth

Always accompany you all the way

At 3:40 pm on November 29, the women’s basketball competition was held in the large playground, and the School of Mechanical and Electrical Engineering VS Materials and Environmental Engineering College.

At the beginning of the game, the basketball athletes of the Mechanical and Electrical Institute took the initiative to pass the ball with a good and skilled movement, and to force the rebound. Our team members quickly entered the state, and they were all heroic. On the court, you are fighting for me, you attacked me, and you have a skilled pitching. The pitching movements are handsome and neat. At the same time, the cheerleaders also shouted outside the court, and the atmosphere of the court was very active. In the end, the School of Mechanical and Electrical Engineering won the game at 25:19.

""

After this basketball game, it not only enriched the students ‘extra -curricular life, but also strengthened the students’ awareness of exercising and solidarity and cooperation, allowing students to relax their body and mind in the intense study life, and felt the strength and warmth of the group’s groups. Essence I hope that our women’s basketball team members will be overwhelmed all the way in the next game and break the waves to win a better ranking!

//