Core Insights - The fourth Smart Payment Challenge, themed "AI Insights, Wisdom for the Future," was successfully held at East China University of Science and Technology, aiming to enhance students' data analysis and innovation capabilities through deep integration of industry, academia, and research [1] Group 1 - The event emphasized the mission of integrating business and technology to cultivate management talents who can apply knowledge in practice, as stated by the Deputy Secretary of the Party Committee of the School of Business [3] - The competition showcased significant achievements in school-enterprise cooperation over the past four years, effectively combining technological innovation with talent development [3] - A panel of experts from academia and industry evaluated 16 participating teams' proposals, focusing on cutting-edge areas such as intelligent recommendation algorithms and merchant product matching systems, demonstrating high technical standards and commercial application value [3] Group 2 - The top award was won by the team led by Li Kunpeng for their project "Recommendation Algorithm Based on DeepFM for Imbalanced Data," while first prizes were awarded to works by Lu Junton and Wang Ganghuan [3] - The competition provided a platform that combines theory and practice, showcasing the collaborative educational outcomes between universities and enterprises, and injecting youthful energy into the innovation development of the payment industry [5]