CN102279742A - Bank application system implemented based on hierarchical information technology framework - Google Patents
Bank application system implemented based on hierarchical information technology framework Download PDFInfo
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- CN102279742A CN102279742A CN2011102262217A CN201110226221A CN102279742A CN 102279742 A CN102279742 A CN 102279742A CN 2011102262217 A CN2011102262217 A CN 2011102262217A CN 201110226221 A CN201110226221 A CN 201110226221A CN 102279742 A CN102279742 A CN 102279742A
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Abstract
The invention provides a bank application system based on a hierarchical information technology framework. The bank application system replaces a 'chimney type' structure by use of a hierarchical structure so as to reduce the interconnection complexity of the system and improve the efficiency of the system building. The bank application system is characterized by comprising the following hierarchical information technology framework: a channel level, a channel management level, a customer management level, a business processing level, a finance accounting level and a policy analyzing level, wherein the channel level at least consists of a teller system, a self-help system, a semi-self-help system and a customer service system; the channel management level at least consists of a teller management system, a self-help management system, a customer manager management system and an integrated channel management system; the customer management level at least consists of a customer information system, a customer marketing system and an inter-customer relationship system; and the business processing level at least consists of a personal business system, a corporate business system, a credit business system and an agent business system.
Description
Technical field
The present invention relates to the infotech that bank's application system is built, particularly a kind of bank's application system that is realized based on level divided information technological architecture.Described bank application system replaces " funnel-shaped " structure by hierarchical structure, so that can reduce the system interconnect complicacy, thus the validity that the raising system builds.
Background technology
By informatization for many years, each tame bank has built various application systems.In order to tackle various needs fast, the target of the construction of a lot of application systems is exactly in order to satisfy the needs of a certain class business, usually adopt the building method of " funnel-shaped " (or " vertical shaft type "), the content that causes an operation system to build is not only many but also numerous and diverse.Such application system is built consequence, often causes a bank information work time long more, and the interconnecting relation between application system is just complicated more.In case some application systems change to some extent, the cost that need pay is just than higher.
Fig. 1 is bank's application system " funnel-shaped " structural representation in the prior art.As shown in Figure 1, operation system 1, operation system 2, or the like, connect respectively separately ATM, sales counter, Web bank, or the like.
Along with the continuous development of banking, the replacing of bank's application system is inevitable.Change the required cost of paying of application system in order to reduce, each tame bank has to pay other cost, as: keep some obsolete application software, to reduce overall the variation as much as possible.
For tackling the situation of this frequent appearance, the information construction department of bank is also exploring various methods, in the hope of reducing the overall cost that system change is brought.
Summary of the invention
The present invention is directed to the defective or the deficiency of prior art, a kind of bank's application system that is realized based on level divided information technological architecture is provided.Described bank application system replaces " funnel-shaped " structure by hierarchical structure, so that can reduce the system interconnect complicacy, thus the validity that the raising system builds.
Technical scheme of the present invention is as follows:
Bank's application system based on level divided information technological architecture is realized is characterized in that, comprises the infotech framework that following level is formed: channel layer, channel management layer, customer management layer, Business treatment, financial accounting layer and decision analysis layer; Described channel layer is made up of counter-employee system, self-aid system, semi-self-service system and customer service system at least; Described channel management layer is made up of teller's management system, self-care system, customer manager's management system and unification channel management system at least; Customer management layer is made up of relational system between customer information system, client's marketing system, client at least; Described Business treatment is made up of individual operation system, corporate business system, credit operation system and substitute service system at least; Described financial accounting layer is made up of accounting system, budgetary control system and fixed assets management system at least; Described decision analysis layer is made up of analysis of profitability system, performance appraisal system and analytic type customer information system at least.
Described channel layer is used to receive the input and output of corresponding service, is the most close user's level.
Described channel management layer is used for channel layer management of information, finishes the taxonomic revision of channel content.
Described customer management layer is used for the information that the client is correlated with is handled, and identification client and classification client.
Described Business treatment is used for being responsible for the realization of concrete business function, satisfies carrying out and implementing of various external service business in the bank.
Described financial accounting layer is used for being responsible for full financial accounting of going, and the relevant content of bank's inner management, to satisfy the needs of bank's overall cost accounting.
Described decision analysis layer is used to be responsible for finishing cleaning, classification, the housekeeping of all kinds of business datums, for leader's daily management and decision support provides true foundation.
Technique effect of the present invention is as follows:
The invention provides the general thought of a kind of bank in the application system process of construction, help banking industry in the planning process that application system is built, to adopt a kind of brand-new Design Mode, promptly stand in the angle of complete capable application system general plan, the business of going is entirely carried out different levels according to the actual needs of using divides, finish different business functions with each level, by the function combinations of each level, to finish the needs of business processing.
The system that builds under this infotech framework all is the system that divides according to function, and the identical services function can not exist in different system simultaneously.Like this, the relation between system is just relatively clearer and more definite, and each system mainly finishes the native system correlation function and gets final product.
Description of drawings
Fig. 1 is bank's application system " funnel-shaped " structural representation in the prior art.
Fig. 2 is the infotech framework that comprises that 6 levels are formed.
Fig. 3 is based on bank's application system structural representation that level divided information technological architecture is realized.
Fig. 4 implements to concern synoptic diagram between system of the present invention.
Embodiment
(Fig. 1-Fig. 4) the present invention will be described below in conjunction with accompanying drawing.
Fig. 2 is the infotech framework that comprises 6 levels.As shown in Figure 2, described infotech framework comprises channel layer, channel management layer, customer management layer, Business treatment, financial accounting layer and decision analysis layer.The application system of bank is built according to framework shown in Figure 2, and with all kinds of operation systems that this framework is built full row, by cooperatively interacting of each hierarchical system, finishes the function of external service jointly.
Wherein the channel layer is responsible for receiving the input and output of miscellaneous service, is the most close user's level.
The channel management layer is responsible for channel layer management of information function, finishes the taxonomic revision of channel content.
The customer information layer is responsible for the information processing relevant with the client, and discerns work such as client, classification client.
Business treatment is responsible for the realization of concrete business function, satisfies carrying out and implementing of various external service business in the bank.
Financial accountings of the responsible full row of financial accounting layer etc. and the relevant content of bank's inner management are to satisfy the needs of bank's overall cost accounting.
The decision analysis layer is responsible for finishing work such as the cleaning, classification, arrangement of all kinds of business datums, for leader's daily management and decision support provides true foundation.
Following under the prerequisite of using this infotech framework, in the process that each bank's application system is built, at first need application system be carried out service processing function decomposition successively according to the scope of confining of infotech frame content, consider promptly this bank's application system construction relates to which level of infotech framework, relates to for which content on each level.
Specifically, the construction of bank's application system need be considered following theory:
1, integrated planning: when application system is planned, plan at the application visual angle that at first will stand in bank's integral body, consider according to channel, channel management, customer account management, business processing, financial accounting, six levels of decision analysis, thoroughly break through the thought binding that original system builds subsystem or module, from adapting to bank management, professional development, the angle that core competitiveness promotes, the realization that the planning total system is used.
By carry out professional comprehensively combing again from the angle of operation flow, take out at all levels that business processing relates to, the personnel that relate to, and the contents such as information that need collection and handle, overall planning and layout system function are fundamentally eliminated information island.
2, customer-centric: bank mainly realizes the value of bank by the service to the client.In order to demonstrate fully the theory of " customer-centric ", special customer information layer is arranged in the infotech framework, just handling, all customer-oriented business operations all can enter into Business treatment by the customer information layer earlier.
The design of this application system can demonstrate fully the customer information related content in every transaction process, promptly in the business processing process, just can help the client to realize its value more.
In customer information layer system process of construction, from taking into full account following thinking: with client (client) is the data framework of central tissue's infosystem.Design the function of deployment system for the center with client's (system operator).With client (client) be the center design information collection, handle and represent form.
3, service-oriented: the industrial competition of bank, being mainly reflected in faster, better to provide related service to the client.For faster, better provide service, in bank's application system process of construction, need to consider the Enterprise SOA system, with policy and the market environment that adapts to continuous variation.At all levels at the infotech framework, all needing to consider to adopt the new thought of service-oriented design, is core with the service, and the information technology resources of enterprise is integrated into exercisable, measured service, make it be reconfigured and to use, to improve infotech adaptability and efficient.
4, flow process is served as theme: in bank's application system design process, the design of application system will be considered to serve as theme with operation flow and carry out systems organization, need serve as the main direction of considering promptly with operation flow, do not consider the boundary of existing business department, break through the confinement that system design is produced that is provided with of business department, save unnecessary artificial interface, simplified service logic.That is: in the process of design of serving as theme with flow process, divide by business function distribution each infotech framework level, the content construction that needs to consider some operation system construction are all needed to design is used for all application systems for the unified operation system of full row.For example: each bank outlets' over-the-counter trading all can relate to the use of bank cashier, just need build the channel management layer to teller's management unification, uses for all operation systems.
The systems organization of serving as theme with operation flow, the business in future changed excellent adaptability.
5, risk prevention: risk prevention is the eternal main body of bank.Except from the management system angle is established and improve the risk prevention hierarchy of control, in the information technology system design, also to run through the theory of risk prevention and control.
On the basis of analysis, combing operation flow, risk in the operation flow link is easily sent out a little, can force means such as flow performing, the dynamics for preparing oneself against possible risks by gathering, write down risk control information.Each the message box rack-layer that relates to risk management is inferior, need set up the relevant risk management system (or function) of this level, uses for all operation systems.
Standardization construction about bank's application system of being realized based on level divided information technological architecture:
For adapting to the bank informationization needs, must strengthen the work of information standardization, avoid the waste that brings great amount of manpower and material resources, financial resources lack of standardization in links such as information acquisition, transmission, storage, processing and services.Simultaneously, the foundation of information standardization with making the information technology resources fusion of bank become an organic whole, reaches the resource sharing purpose to greatest extent.The construction of information technology standard system has standard and instructs the important meaning of building the following application system of whole bank etc.
The infotech framework divides for six levels according to channel, channel management, customer information, business processing, financial accounting, decision analysis, and each level all can be built a lot of systems.In system's process of construction,, need carry out the construction of information technology standard system for guaranteeing interconnecting of each system of bank.
The construction of information technology standard system is not abstract standard, but needs to implement the standard criterion that becomes system at all levels construction.
Concrete disposal route is: carry out the division of infotech framework level at the operation system that bank need build, determine the system that each level need be built.From the angle that individual system is built, determine standard or standard that this should system's construction need be set up.In the process of standard or standardize organization, needs are considered this system construction needs of present stage, also will consider this system's development in future trend simultaneously.
Fig. 3 is based on bank's application system structural representation that level divided information technological architecture is realized.As shown in Figure 3, bank's application system realizes according to the infotech framework.Each infotech framework level all is made up of a plurality of application systems, comprising: the channel layer is made up of counter-employee system, self-aid system, semi-self-service system, customer service system etc.The channel management layer is made up of teller's management system, self-care system, customer manager's management system, unification channel management system etc.The customer information layer is made up of relational system between customer information system, client's marketing system, client etc.Business treatment is made up of individual operation system, corporate business system, credit operation system, substitute service system etc.The financial accounting layer is made up of accounting system, budgetary control system, fixed assets management system etc.The decision analysis layer is made up of analysis of profitability system, performance appraisal system, analytic type customer information system etc.
In each application system process of construction, each system all will work out corresponding interface procedure or use standard at layer system under it, as: the standard or the standard of the establishment of channel management layer comprise: teller's management system interface standard or standard; Self-care system interface standard or standard; Customer manager's management system interface standard or standard etc.
The standard or the standard of the establishment of customer information layer comprise: customer information system interface standard or standard; Client's marketing system interface specification or standard; Relational system interface specification or standard between the client.
The interface standard or the standard of Business treatment establishment comprise: individual operation system interface standard or standard; Corporate business system interface standard or standard; Substitute service system interface standard or standard.
All working out with the native system when in a word, each system builds is the application system use for lower floor of the standard at center or standard.All insert other application system of native system all will follow this standard or standard.
Each standard or standard all will comprise following a few class content: Communication Layer; The field semantic layer; The message layer; Functional layer.
The system that builds under this infotech framework all is the system that divides according to function, and the identical services function can not exist in different system simultaneously.Like this, the relation between system is just relatively clearer and more definite, and as shown in Figure 4, each system mainly finishes the native system correlation function and gets final product.
Indicate at this, more than narration helps those skilled in the art to understand the invention, but and the protection domain of unrestricted the invention.Any do not break away from the invention flesh and blood to being equal to replacement, modify improving and/or deleting numerous conforming to the principle of simplicity and the enforcement carried out of above narration, all fall into the protection domain of the invention.
Claims (7)
1. the bank's application system that is realized based on level divided information technological architecture, it is characterized in that, comprise the infotech framework that following level is formed: channel layer, channel management layer, customer management layer, Business treatment, financial accounting layer and decision analysis layer; Described channel layer is made up of counter-employee system, self-aid system, semi-self-service system and customer service system at least; Described channel management layer is made up of teller's management system, self-care system, customer manager's management system and unification channel management system at least; Customer management layer is made up of relational system between customer information system, client's marketing system, client at least; Described Business treatment is made up of individual operation system, corporate business system, credit operation system and substitute service system at least; Described financial accounting layer is made up of accounting system, budgetary control system and fixed assets management system at least; Described decision analysis layer is made up of analysis of profitability system, performance appraisal system and analytic type customer information system at least.
2. the bank's application system that is realized based on level divided information technological architecture according to claim 1 is characterized in that described channel layer is used to receive the input and output of corresponding service, is the most close user's level.
3. the bank's application system that is realized based on level divided information technological architecture according to claim 1 is characterized in that, described channel management layer is used for channel layer management of information, finishes the taxonomic revision of channel content.
4. the bank's application system that is realized based on level divided information technological architecture according to claim 1 is characterized in that, described customer management layer is used for the information that the client is correlated with is handled, and identification client and classification client.
5. the bank's application system that is realized based on level divided information technological architecture according to claim 1, it is characterized in that, described Business treatment is used for being responsible for the realization of concrete business function, satisfies carrying out and implementing of various external service business in the bank.
6. the bank's application system that is realized based on level divided information technological architecture according to claim 1, it is characterized in that described financial accounting layer is used for being responsible for full financial accounting of going, and the relevant content of bank's inner management, to satisfy the needs of bank's overall cost accounting.
7. the bank's application system that is realized based on level divided information technological architecture according to claim 1, it is characterized in that, described decision analysis layer, be used to be responsible for finishing cleaning, classification, the housekeeping of all kinds of business datums, for leader's daily management and decision support provides true foundation.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104574001A (en) * | 2015-02-09 | 2015-04-29 | 国家电网公司 | Payment management method based on OLTP on-line transaction processing |
| CN111400640A (en) * | 2020-04-10 | 2020-07-10 | 中国铁塔股份有限公司 | Station address holographic information management system, construction method and construction device |
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Application publication date: 20111214 |