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This paper mainly investigation on defect localization application of CoWos (Chip on Wafer on Substrate) packaging through lock-in thermography. When failure samples are rare, it is necessary to use non-destructive Thermal EMMI to detect hot spots, and determine the defect Z-depth of CoWos packaging by lock-in thermography and PFA (Physical failure analysis) methods. We found that at different lock-in frequencies, the amplitudes of the hot spots were basically 10mK, but during the second exposure of 3 minutes at different frequencies, the phase differed greatly, and not even every lock-in frequency could detect the effective hot spots. It is considerable to select the appropriate lock-in frequency to get the optimal hot spot for the fault. In this paper, the concept of standard deviation is introduced into the optimal choice of hot spots. The frequency with the minimum standard deviation of phase is selected as optimal condition for failure localization. The lock-in thermography can not only quickly determine the Z-depth of fault refer to good pin or phase of each structure of CoWos chip, but also select optimal hot spot XY coordinate through the standard deviation of phase. An optimal lock-in frequency of certain hot spot on die or substrate layer are identified through a series of experiments. It is noticeable that optimal hot spot through the minimum standard deviation of phase can impove the accuracy of fault location and the success rate of subsequent physical analysis.

This paper discussed the financial risks faced by the futures companies, and the necessity for futures companies to apply bid data system which can improve the efficiency and accuracy of reducing the financial risk and establishing beforehand warning model by means of big data intelligence analysis and quantitative modeling such as CTA strategy. In addition, this paper establishes a regression model by analyzing the indicators of market liquidity direction and finds the linkage relationship between market liquidity and futures contract price, so that the real-time monitoring and management of futures companies' changes of various factors can become possible under the big data system.

The rapid development of artificial intelligence has rapidly changed the pattern of higher education, the structure of talent demand and the mode of future learnings. Artificial intelligence talents should break through the traditional single-subject training mode and form a new model of “artificial intelligence + X” compound professional training in the cross-integration with related subjects. Not only programmers can be called digital talents, such talents who form professional insights and knowledge in specific areas and apply them to the digital field may be needed in the future. Teaching informatization is also of great significance for promoting the reform of the school's talent training model. For example, cross-subject, cross-major learning and informatization can help eliminating the boundaries of the department, and jointly build and share some cross-subjects majors, micro-professionals and MOOC, micro-courses, simulation experiments and other “online virtual classrooms”. Artificial intelligence has a strong impact on traditional accounting work, replacing the high repetitiveness in the financial process and the manual operation of occupying a large amount of labor, so that accounting teaching needs to be changed. Promoting the sharing and building of high-quality resources by teaching informatization and providing the soulful university classroom teaching of Chinese wisdom and Chinese programs for the balanced development of education quality to realize the return of learning. Advancing the financial transformation under the intelligent accounting provides a good idea for the accounting teaching. Advocating the implementation of the “learner-centered” educational thinking, paying equal attention to skills and thinking design, and using online courses realize the form of intelligent financial innovation education

Citizen card system, commonly based on SOA (Service-Oriented Architecture) has brought great comfort and convenience to the locals, drumming up the progress of Urban Information Construction. However, the application of citizen card system has not been popularized for some technical reason. This paper briefly introduces its current situation, and illustrates the structure of the system according to the estimated effect and the adoption of SOA. On such analysis, the paper discusses the pros and cons of citizen card (system), pointing out the safety and management problems in details. In the end, the paper draws a future picture of citizen card (system), such as internet access and mobile-phone citizen card