CN101877103A - Financial value-added service system - Google Patents

Financial value-added service system Download PDF

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Publication number
CN101877103A
CN101877103A CN2010101491996A CN201010149199A CN101877103A CN 101877103 A CN101877103 A CN 101877103A CN 2010101491996 A CN2010101491996 A CN 2010101491996A CN 201010149199 A CN201010149199 A CN 201010149199A CN 101877103 A CN101877103 A CN 101877103A
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service
subsystem
product
financial value
added
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CN2010101491996A
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郑爱军
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SUZHOU DEJAX INFORMATION TECHNOLOGY CO Ltd
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SUZHOU DEJAX INFORMATION TECHNOLOGY CO Ltd
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Abstract

The invention provides a financial value-added service system, which comprises a service engine subsystem, a product service subsystem, a product information management subsystem, a product customization and development subsystem, a channel access subsystem, an operation platform subsystem and a customer information management subsystem, wherein the service engine subsystem calls functions of an external business system to form corresponding atomic services, and has the function of integrating the atomic services into comprehensive service; the product service subsystem integrates the atomic services to form a product collection; the product information management subsystem is used for managing the product information of financial value-added service; the product customization and development subsystem can integrate the atomic services by graphical operations and develop financial value-added service products; the channel access subsystem accesses various terminals in a unified mode; the operation platform subsystem provides the functions of resource scheduling, management and monitoring for service procedures; and the customer information management subsystem provides the function of management for customer information. The financial value-added service system has the advantage that business personnel can conveniently develop value-added products for a bank by means of the platform independently.

Description

Financial value-added service system
Technical field
The present invention relates to a kind of financial value-added service system, belong to financial services technology field.
Background technology
The essence of financial service is on the basis of bank's basic service, the novel product function that extension by service content, the means of services and innovation develop, its purpose is in order to adapt to intense market competition environment today, for the client provides differentiated service, to obtain market advantage.In practice, the business characteristic of bank is such: the basic business of bank is more stable usually on the one hand, the basic business of bank mainly is our common all kinds of deposits and loan transaction, the professional of this respect substantially finished informationization at present in the core business system of bank, have the stable software systems of comparative maturity to support this part content.On the other hand, because market competition, bank need develop all kinds of intermediary services or the business of deriving beyond more stable basic business, improve the market competitiveness of bank thus.The demand of this respect has caused the bank need be on basic business, utilize the infotech means, the various service products of bank's basic business and the service of other industry are combined, to develop a kind of new financial value-added product, constantly change the content of service product, set up the core competitiveness of bank thus in market.
Yet the infrastructure service kind of bank is limited, and main product concentrates on deposit business, loan transaction and the part intermediary service based on clearing.Bank will carry out products innovation, very big a part of source resource in the cooperation of other unit, extend different types of new services product by cooperation.For example, cooperate, can produce " silver-colored tax is logical ", cooperate, can produce " the silver card is logical ", cooperate, can produce " Yin Baotong " with the insurance company with the securities broker company with the government unit, or the like, the products innovation of bank almost is endless like this.
Like this, angle from infotech, need a kind of system, can couple together the miscellaneous service system of outside, then by suitable program development, the function service of the own core business system of function service and bank that external system is provided is carried out integrated, and the systemic-function that makes new advances of exploitation realizes the service product of bank thus.
Can realize that at present the infotech means that bank and external system interconnect generally are to set up " switching plane ", perhaps utilize " EAI " software product to realize, these systems can both realize the exchanges data between the software systems, also can call the systemic-function of each software systems, possess basis in theory as bank's value-added product exploitation.But, these systems are normally merely towards infotech, and they generally all are to adopt the method for program composition to remove to call functional interface in each system simply, carry out integrated then, produce a new function, these functions only are the transaction of the understandable system of technological development personnel.For example, " cashdeposit () " interface function that the programmer can provide the kernel business of bank system, call " Tariff paid () " interface function in power supply administration's operation system then at a distance, work out one section program again, finished " the cash payment on behalf electricity charge " this function.Secondly, after this function realizes, also to realize the operation interface of front end as soon as possible, also need dispose, then need to finish the work of some exploitations again at various channels such as sales counter, Web bank, self-aided terminal, telephone banks.Obviously, in return platform or EAI product are not satisfy such demand.So, the program that develops on switching plane or EAI product has often just realized a function in the bank service product, shortage is to the management of product level, there is not adaptive faculty at the various transaction channels of bank yet, so demand for this respect, bank also need develop a large amount of application modules on switching plane or EAI product, finish a large amount of technical works.
In actual life, bank faces intense market competition, so the speed of products innovation is being accelerated, and Time is money, the time is exactly market, is the important component part of bank core competitive power so develop new bank service product fast.And can adapt to the personnel of this rapid product development, business personnel preferably, have only business personnel oneself to have enough susceptibilitys to market, could hold the demand of new product in the very first time, there is the market susceptibility in mode by the exploitation of technician's leading products, the inferior position on the response speed at present.
Summary of the invention
The purpose of this invention is to provide a kind of financial value-added service system, allow the business personnel can be on this platform the value-added product of development bank voluntarily easily.
Purpose of the present invention is achieved through the following technical solutions:
A kind of financial value-added service system, be used to assemble the basic service that external service system provides, form the terminal applies system that financial value-added service product offers direct contact client, comprise: the service-Engine subsystem, be used to call the visual business function of external service system and form atomic service one to one, and be assembled into comprehensive service function; The service of goods subsystem is used to assemble atomic service and forms the product set; Product information management subsystem is used to manage product information of financial value-added service; Product customization and development subsystem, but the assembling atomic service that is used for graphical operation is developed financial value-added product; The channel access subsystem is used for the unified various terminals that insert; Operation platform subsystem is used to provide scheduling of resource, management, monitoring function to service routine; The client information management subsystem is used to provide the management function to customer information.
Further, described client information management subsystem comprises client's basic information management module, client's product customization information management subsystem and customer account information ADMINISTRATION SUBSYSTEM.
Further, the channel access subsystem comprises the terminal interface customization instrument corresponding with the type of terminal and connects plug-in unit.
Further, the channel access subsystem comprises that correspondence customizes instrument and is connected plug-in unit with the terminal interface of teller terminal, online terminal, telephone terminal, self-aided terminal and merchant tenninal respectively.
Further, described service-Engine subsystem comprises the atomic service storehouse, and described atomic service storehouse comprises atomic service, and of finishing a visual business function of external service system calls each atomic service.
Further, described service-Engine subsystem comprises service assembling and operation platform, is used for the in parallel or series connection atomic service by the assembling script, forms comprehensive service function.
Further, described service of goods subsystem comprises one of them of basic business module, substitute service module, B2B business module, B2G business module, foreign exchange transaction module, payment transaction module at least.
Further, described operation platform subsystem can be moved master control process, monitor process and application process, and described master control process is responsible for scheduling of resource, management, the monitoring of financial value-added service system; Described monitor process is accepted the transaction that client is initiated, and described application process is handled concrete business procedure.
Beneficial effect of the present invention is embodied in: by setting up and the visualized operation of outer application system atomic service one to one, and product customization and development subsystem is provided, make the business personnel can in this system, conveniently develop financial value-added service product rapidly.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1: the general frame figure of embodiments of the invention.
Fig. 2: the product information library structure figure of embodiments of the invention.
Embodiment
The present invention has disclosed a kind of financial value-added service system.Below by specific embodiment the present invention is specifically described.
Fig. 1 is the general frame figure of embodiments of the invention, and as Fig. 1, financial value-added service system is between terminal system and external service system.Introduce terminal system and external service system below respectively.
Terminal system is the presumable various services channels of bank, and the various financial service products of bank are pushed the client to by the various forms of systems of terminal system, are bank and client's contact points.Terminal system can be divided into 5 big classes, comprises respectively: the counter terminal of bank inside; Utilize the online terminal of internet channel; Utilize the telephone terminal of phone channel; Utilize the merchant tenninal of cooperation system of units; Self-aided terminal.
Terminal system is by the internal module exchange message of channel access subsystem and financial value-added service system.Developed interface customizing instrument, the connection plug-in unit of five Terminal Types in the system, the user only need call and get final product.
Resource hierarchy comprises the production system on various backstages with respect to financial value-added service system, and main type has:
The core business system of bank oneself mainly provides the basic service kind of various banks;
The operation system of government unit mainly provides government external various service functions, comprises the tax, industry and commerce, customs etc.;
The operation system of trade company unit, trade company has comprised various industry mechanism, for example insurance company, securities broker company, telecommunications company, water utilities company etc., these units have all set up the operation system of oneself usually, and service externally is provided;
Same trade operation system mainly is meant the operation system of financial unit of the same trade or business, comprises various systems, the system of Unionpay of the People's Bank, the system of fraternal bank etc.
These systems provide basic service function to financial value-added service system, by the assembling of product service system by service of goods, form the various financial service products towards the final user.
Introduce the main modular of financial value-added service system below, as shown in Figure 1, the main modular of financial value-added service system comprises service-Engine subsystem, service of goods subsystem, product information management subsystem, product customization and development subsystem, channel access subsystem, operation platform subsystem, customer information subsystem, data bus etc.Particular content is:
(1) service-Engine subsystem
The service of goods engine subsystem is the nucleus module of total system, and it mainly is made of atomic service storehouse, service assembling etc.
Atomic service is the mapping of various functions in product service system of external service system, but the interface routine that is not equal to the backstage, the process of aggregation of a plurality of interface routines normally, each atomic service is finished once calling a visual business function of external service system.The management to the various transactional services in backstage is finished in the atomic service storehouse, by to the calling of atomic service, can finish the execution of the service routine of backstage miscellaneous service system.
Product assembling and operation platform: atomic service is connected with the assembling script of carrying out platform by service product or is in parallel, becomes a comprehensive service function, satisfies the demand of service of goods thus.Product assembling and execution platform provide the visualization tool of this assembling atomic service, also provide the explanation of script to carry out function simultaneously, can finish the exploitation to the call flow of atomic service.
(2) service of goods subsystem
By assembling to atomic service, can obtain a plurality of product set according to the business demand of bank, we conclude and sum up six big banking product lines, are respectively:
The basic business product: this is the extension and the reorganization of the service product in the kernel business of bank system, can satisfy the deeper demand of client.
The substitute service product: site that bank passes through and settlement system are the business that units such as enterprise carry out Collection and Payment On Behalf.
Bank2B characteristic service product: the various service products of bank by implementing with industry big customer's cooperation, product such as comprise that the silver card is logical, Yin Baotong, bank are logical.
The Bank2G service product: bank cooperates with the government unit and the service product of deriving, and for example silver-colored tax is logical, silver-colored wealth is logical, silver-colored Guan Tong etc.
The foreign exchange transaction product: bank cooperates with the foreign exchange market, to the product of individual and the foreign exchange trading aspect that provides of enterprise.
Payment and settlement service product: the payment funding in the ranks that bank and Central Bank, other fraternal bank cooperate to finish and the product of clearing.
(3) product information management subsystem
Parameter management to various products, the business information monitoring of service of goods, the functions such as bordereaux customization of product are provided.
(4) product customization and development subsystem
The product development subsystem provides visual graphical interfaces, the business personnel can be by assembling atomic service, by backstage service development instrument, foreground IDK, can on Windows, develop service routine, model customization, flow custom, client end interface, note form configuration or the like the content on Unix backstage.
When development was served, the user can various atomic service contact according to service logic, produced the main control process flow of financial service platform service product, generation feature.Then according to demand, it is various to finish customization front-end interface, note form etc.
(5) channel access subsystem
System provides the unified access function to various types of clients, considers from the angle of safety, and we are divided into inner the access and outside the access to the channel access module.Wherein, the inner access is the client-side interface that bank provides according to system, and the channel that is undertaken by internal network inserts.The outside access refers to it is that channel at external network inserts, and adopts the self-defining interface protocol of cooperation unit (as trade company), connects according to the other side's interface.What need explanation a bit is if bank does not prepare existing Possum platform is done transformation, can adopt the outside mode that inserts to insert to the Possum platform.
(6) operation platform subsystem
System provides scheduling of resource to service routine, management, monitoring or the like function, is a kind of transaction middleware.Running subsystem is an operation platform of supporting multi-process, adopts Unix C exploitation, and its key features is that performance is efficient, can satisfy the support demand of large-scale transaction system.
Running subsystem mainly comprises three class processes such as master control process, monitor process and application process.
Can only start a master control process under a user, the master control process is according to the configuration information of service when starting, and generation system bulletin board and various shared resource (comprising formation, signal lamp etc.) start oracle listener and each service routine then; Can be in operational process according to the user instruction shutdown system, close or start service processes, close or start the functions such as transaction that provide of service, the dynamic start and stop service processes of loading condition that also can the quantitative check service.
Under a running environment, a plurality of oracle listeners be can start, primary listener and expansion oracle listener comprised.Primary listener is used to receive the transaction that client is initiated, and can start a plurality of primary listeners under a running environment, and all primary listeners are all monitored same port.The expansion oracle listener is used to receive the transaction that external client is initiated, and every kind of expansion oracle listener is all monitored different ports, and can only start one.Each oracle listener all has a transaction results formation, is used to receive the transaction results of returning from application service process.
Application process is the carrier that the program of various service products is carried out, and handles concrete service logic.
(7) client information management subsystem
The customer account management subsystem provides the management function to the management of client's essential information, client's product customization information, customer account information.By the customer account management subsystem, the client can set the authority of transaction in multiple business of service of goods platform building and channel service, makes service platform the phase client to provide personalized service customer-centric.
Based on above-mentioned structure, the advantage of financial value-added service system of the present invention is:
Can satisfy the functional requirement of polytype financial value-added product, substantially all spectra of containing present bank value-added product, as: basic business product, substitute service product, Bank2B characteristic service product, Bank2G service product, foreign exchange transaction product, payment and settlement service product.
The substitute service product can satisfy real-time Collection and Payment On Behalf, batch Collection and Payment On Behalf, act on behalf the demand of multiple substitute services such as industry, affair.
The Bank2B service product can satisfy the business demand of strategic cooperation between bank and the different industries client.
The Bank2G service product can satisfy the demand of strategic cooperation between bank and the different government organs.
The characteristics of financial product research and development aspect: system provides towards banking personnel's (non-technical personnel) product customization and development platform, and the development of financial product can be provided for the banking personnel, makes research and development of products break away from the constraint of infotech.
System carries running environment, makes things convenient for operational management, and running environment can be provided, and after product development was finished, direct on-line running reduced the step of program updates.
Satisfy the demand for services under the multiple situation, system has considered many areas, the demand in district for a long time at the fortune platform subsystem, can the running parameter of system be set according to area and time zone, supports trans-regional with stride the time zone operation.
Consideration to network node administration: system has adopted the institutional units administrative model of research and development voluntarily in the service of goods subsystem, support the structure of multistage site, site rank and ownership can be adjusted change flexibly with demand, and the merging of bank outlets, move, cancel etc. does not influence the normal operation of system
Version management strategy: system has adopted independently program version management server in the customized development subsystem, the program unification is managed by version server, convenient, the safety of program distribution mode, and the result can monitor.
The characteristics of aspect, customer information storehouse: in the client information management subsystem, like this some characteristics are arranged: the curstomer-oriented design, client's static information, marketing message, the centralized management of behavioural information can be provided, form the unified view of customer data; In the customer information storehouse, can provide the management of complete customer credit line control information; Automatically integrate Transaction Information, customer information, product information, cost information, for the business decision of bank provides Data Source.
The characteristics of product information storehouse design aspect: in product information management subsystem, the structure in product information storehouse as shown in Figure 2, the key element of product content is by definition, clearing account number, transactional services, sub-products catalogue, and contents such as preferential rule, life cycle, historical trading, supplier information constitute.
In the product development subsystem, system provides unified client end interface developing instrument, can be according to the requirement of product, and towards various channels, the integrated exploitation of bank product is realized at the unitized overall development interface.
In operation platform subsystem, system can managing transaction the strategy of processing, to concurrent transaction ask peaking, average, maximum number of deals peak value and average, on average the performance index such as response time of concluding the business can both be monitored in real time, and the treatment progress of dynamic debugging system satisfies the demand that system concludes the business.
The large data table mainly is the plurality of data table of product trading flowing water, customer information aspect, ties up in the product information management subsystem, and system provides the available strategy of reservation, backup, retrieval, to avoid the interference to the day to day operation operation.
In operation platform subsystem, the running environment of system provides the load algorithm, and the load balancing and the fault-tolerant ability of platform class can be provided.
Although be the example purpose, preferred implementation of the present invention is disclosed, but those of ordinary skill in the art will recognize that under situation about not breaking away from by the disclosed scope and spirit of the present invention of appending claims, various improvement, increase and replacement are possible.

Claims (8)

1. a financial value-added service system is used to assemble the basic service that external service system provides, and forms the terminal applies system that financial value-added service product offers direct contact client, it is characterized in that, comprising:
The service-Engine subsystem, the visual business function that is used to call external service system forms atomic service one to one, and is assembled into comprehensive service function;
The service of goods subsystem is used to assemble atomic service and forms the product set;
Product information management subsystem is used to manage product information of financial value-added service;
Product customization and development subsystem, but the assembling atomic service that is used for graphical operation is developed financial value-added service product;
The channel access subsystem is used for the unified various terminals that insert;
Operation platform subsystem is used to provide scheduling of resource, management, monitoring function to service routine;
The client information management subsystem is used to provide the management function to customer information.
2. financial value-added service system according to claim 1 is characterized in that: described client information management subsystem comprises client's basic information management module, client's product customization information management subsystem and customer account information ADMINISTRATION SUBSYSTEM.
3. financial value-added service system according to claim 1 is characterized in that: the channel access subsystem comprises the terminal interface customization instrument corresponding with the type of terminal and connects plug-in unit.
4. financial value-added service system according to claim 3 is characterized in that: the channel access subsystem comprises that correspondence customizes instrument and is connected plug-in unit with the terminal interface of teller terminal, online terminal, telephone terminal, self-aided terminal and merchant tenninal respectively.
5. financial value-added service system according to claim 1, it is characterized in that, described service-Engine subsystem comprises the atomic service storehouse, and described atomic service storehouse comprises atomic service, and of finishing a visual business function of external service system calls each atomic service.
6. financial value-added service system according to claim 5 is characterized in that, described service-Engine subsystem comprises service assembling and operation platform, is used for the in parallel or series connection atomic service by the assembling script, forms comprehensive service function.
7. financial value-added service system according to claim 1, it is characterized in that described service of goods subsystem comprises one of them of basic business module, substitute service module, B2B business module, B2G business module, foreign exchange transaction module, payment transaction module at least.
8. financial value-added service system according to claim 1 is characterized in that described operation platform subsystem can be moved master control process, monitor process and application process, and described master control process is responsible for scheduling of resource, management, the monitoring of financial value-added service system; Described monitor process is accepted the transaction that client is initiated, and described application process is handled concrete business procedure.
CN2010101491996A 2010-04-08 2010-04-08 Financial value-added service system Pending CN101877103A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103777928A (en) * 2012-10-17 2014-05-07 神州数码融信软件有限公司 Graph front-end system for bank foreground operation interface
CN108121918A (en) * 2017-12-29 2018-06-05 福建省农村信用社联合社 A kind of bank inside and outside services two-way cooperative system and method
CN109087193A (en) * 2018-07-24 2018-12-25 广东金熙商业建设股份有限公司 The innovative financial service synthesis system of the Internet converged wisdom scene
CN113256428A (en) * 2021-04-07 2021-08-13 深圳市怡化时代科技有限公司 Method, device, equipment and storage medium for realizing financial terminal business function

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101136936A (en) * 2006-10-10 2008-03-05 华为技术有限公司 Service establishing, executing, mapping system and method
CN101350076A (en) * 2007-07-18 2009-01-21 北京银信长远科技有限公司 Electric system and method for filling order
CN101477644A (en) * 2008-12-04 2009-07-08 华通科技有限公司 Computer apparatus for supporting enterprise work flow operation

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101136936A (en) * 2006-10-10 2008-03-05 华为技术有限公司 Service establishing, executing, mapping system and method
CN101350076A (en) * 2007-07-18 2009-01-21 北京银信长远科技有限公司 Electric system and method for filling order
CN101477644A (en) * 2008-12-04 2009-07-08 华通科技有限公司 Computer apparatus for supporting enterprise work flow operation

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103777928A (en) * 2012-10-17 2014-05-07 神州数码融信软件有限公司 Graph front-end system for bank foreground operation interface
CN108121918A (en) * 2017-12-29 2018-06-05 福建省农村信用社联合社 A kind of bank inside and outside services two-way cooperative system and method
CN108121918B (en) * 2017-12-29 2020-11-10 福建省农村信用社联合社 Bidirectional cooperation system and method for internal and external services of bank
CN109087193A (en) * 2018-07-24 2018-12-25 广东金熙商业建设股份有限公司 The innovative financial service synthesis system of the Internet converged wisdom scene
CN113256428A (en) * 2021-04-07 2021-08-13 深圳市怡化时代科技有限公司 Method, device, equipment and storage medium for realizing financial terminal business function

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Open date: 20101103