CN108550017B - Consumption finance core system based on SAAS platform - Google Patents
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Abstract
The invention belongs to the technical field of network financial services, and provides a SAAS platform-based consumption financial core system, which comprises a user interaction interface layer, a service center layer and a service center layer, wherein the user interaction interface layer is used for providing consumption financial data service for a client of a Web platform or a mobile platform; the business logic service layer is connected with the user interaction interface layer and comprises a parameter module, a rule module, a core business module, an approval module and a comprehensive control module; a system module for configuring parameters of a consumer financial product; a rule module for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user and performing management and credit business processing on the account; the approval module is used for processing the related processes of the incoming part approval; the comprehensive control system is used for monitoring the system process and the batch running state in the embodiment; and the data access layer is connected with the business logic service layer and is used for providing the consumption financial data service for the business logic service layer.
Description
Technical Field
The invention belongs to the technical field of network financial services, and particularly relates to a consumption financial core system based on an SAAS (Software As A Service) platform.
Background
With the development of internet technology, more and more enterprises develop consumption finance business, and consumption finance comprises different forms of personal credit business, financial management investment and the like.
At present, the traditional way for developing consumption finance is that a service provider builds a server by itself, a large number of servers need to be configured along with the increase of business volume, and meanwhile, a large number of IT (information technology) personnel need to be invested in the maintenance process of a system, so that the hardware cost and the labor cost are increased.
Disclosure of Invention
The invention aims to provide a consumption finance core system based on an SAAS platform, which aims to solve the technical problems that in the prior art, a service provider builds a server by himself, a large number of servers need to be configured along with increase of business volume, and meanwhile, a large number of IT (information technology) personnel need to be invested in the system maintenance process to maintain, so that the hardware cost and the labor cost are increased.
According to a first aspect of embodiments of the present invention, there is provided a SAAS platform-based consumption finance core system, including: the user interaction interface layer is used for providing consumption financial data service for a client of the Web platform or the mobile platform;
the business logic service layer is connected with the user interaction interface layer and comprises a parameter module, a rule module, a core business module, an approval module and a comprehensive control module; the system module is used for configuring parameters of the consumption financial products; the rule module is used for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user, and managing and credit business processing the account; the approval module is used for processing the related processes of the approval of the incoming parts; the comprehensive control system is used for monitoring the system process and the batch running state in the embodiment;
and the data access layer is connected with the business logic service layer and is used for providing the consumption financial data service for the business logic service layer. .
Further, the business logic layer comprises a plurality of elastic computing servers and/or relational database servers, and the elastic computing servers and/or the relational database servers adopt a multi-node distributed architecture.
Further, the user interaction interface layer adopts an encryption method for verification.
Further, the data access layer adopts the mycat configuration and is automatically switched to the corresponding database according to the identity information of the user.
Further, the elastic calculation server and/or the relational database server of the service logic layer communicate by using a rabbitmq internal message bus.
Further, the user interaction interface layer communicates using a hypertext transfer protocol.
Further, the communication between the user interaction interface layer and the business logic service layer is configured for load balancing.
Further, the system module is specifically configured to configure basic information, interest rate, and rate information of the consumer financial product; the rule module is specifically used for auditing process settings, including machine auditing and manual auditing rules, and is also used for issuing, compiling test and synchronous comprehensive management of a rule engine; the core business module is specifically used for inquiring the account, loan, contract and limit of the user, managing the account, limit and contract and processing overdue withholding and expense loan-adjusting business.
Furthermore, the approval module is specifically configured to perform approval, query, and pickup processing on the incoming articles, perform statistical management on reasons that the manual approval process and the application fail to pass, and perform query statistics on the amount of the incoming articles and reasons that the incoming articles are rejected.
Further, the integrated control system is specifically used for managing organization structures, accounts, authorities, data dictionaries and information synchronization in the system and managing processes, instances, nodes and batch definitions.
Further, the business logic layer is also used for configuring the consumption financial data according to the identity information of the user.
Compared with the prior art, the embodiment of the invention has the beneficial effects that: the SAAS platform-based consumption financial core system and the credit line application method provided by the embodiment of the invention comprise a user interaction interface layer, a credit line application layer and a credit line application layer, wherein the user interaction interface layer is used for providing consumption financial data service for a client of a Web platform or a mobile platform; the business logic service layer is connected with the user interaction interface layer and comprises a parameter module, a rule module, a core business module, an approval module and a comprehensive control module; a system module for configuring parameters of a consumer financial product; a rule module for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user and performing management and credit business processing on the account; the system comprises an approval module, a comprehensive control system and a monitoring module, wherein the approval module is used for processing related processes of approval of incoming parts, and the comprehensive control system is used for monitoring the process and the running and approval state of the system in an embodiment; and the data access layer is connected with the business logic service layer and is used for providing the consumption financial data service for the business logic service layer.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a schematic structural diagram of a SAAS platform-based consumer finance core system according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a credit line application method using a SAAS-based consumer finance core system according to an embodiment of the present invention.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more clearly apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
It will be understood that when an element is referred to as being "secured to" or "disposed on" another element, it can be directly on the other element or be indirectly on the other element. When an element is referred to as being "connected to" another element, it can be directly connected to the other element or be indirectly connected to the other element.
It will be understood that the terms "length," "width," "upper," "lower," "front," "rear," "left," "right," "vertical," "horizontal," "top," "bottom," "inner," "outer," and the like, as used herein, refer to an orientation or positional relationship indicated in the drawings that is solely for the purpose of facilitating the description and simplifying the description, and do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and is therefore not to be construed as limiting the invention.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present invention, "plurality" or "a plurality" means two or more unless specifically defined otherwise.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a SAAS platform-based consumer finance core system, which is now described. The SAAS platform-based consumption financial core system comprises:
and the user interaction interface layer 100 is used for providing a consumption financial data service for the client of the Web platform 101 or the mobile platform 102. Wherein the Web platform 101 or the mobile platform 102 is connected with the user interaction interface layer 100 through the internet. The mobile platform 102 includes, but is not limited to, a mobile phone, a PDA (Personal Digital Assistant), and the like.
The business logic service layer 200 is connected with the user interaction interface layer 100 and comprises a parameter module, a rule module, a core business module, an approval module and a comprehensive control module; a system module for configuring parameters of a consumer financial product; a rule module for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user and performing management and credit business processing on the account; the system comprises an approval module and a comprehensive control system, wherein the approval module is used for processing related processes of approval of incoming parts, and the comprehensive control system is used for monitoring the process and the running and approval state of the system in an embodiment.
In this embodiment, the user may be an institution that issues loans or a house loan approval institution.
And the data access layer 300 is connected with the business logic service layer 200 and is used for providing the consumption financial data service for the business logic service layer.
In the embodiment, a client can perform various service functions of the system only through a browser, and does not need to spend a large amount of manpower and material resources to card the requirements of the system, match the system and prepare IT technical personnel, so that the construction cost of the service system in the early stage is greatly reduced, and the cost of the operation and maintenance investment in the later stage is not needed. The early preparation content of the user for developing the service is reduced, the efficiency of accessing the system is greatly improved, and the service data is stored in the SAAS platform and can be backed up.
As can be seen from the foregoing embodiments, in the consumption financial core system based on the SAAS platform provided in the embodiments of the present invention, since the user accesses the user interaction interface layer through the client of the Web platform or the mobile platform, the user interaction interface layer is connected to the user interaction interface layer, and the business logic service layer includes a parameter module, a rule module, a core business module, an approval module, and a comprehensive control module; a system module for configuring parameters of a consumer financial product; a rule module for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user and performing management and credit business processing on the account; the system comprises an approval module, a comprehensive control system and a data access layer, wherein the approval module is used for processing related processes of incoming part approval, the comprehensive control system is used for monitoring the process and the running and approval state of the system in an embodiment, and the data access layer is connected with a business logic service layer and is used for providing consumption financial data service for the business logic service layer, so that a service provider can provide consumption financial service through an SAAS platform, the service provider does not need to build a server by himself or invest a large number of IT maintenance personnel, and the hardware cost and the labor cost for developing the consumption financial service are reduced.
Referring to fig. 1, in an embodiment of the present invention, the business logic layer 200 includes a plurality of ECS (Elastic computing Service) servers 201 and/or RDS (Relational Database Service) servers 202, and the plurality of ESC servers 201 and/or RDS servers 202 adopt a multi-node distributed architecture. For example, ESC server 201 and RDS server 202 ariclout ESC server and ariclout RDS server. The RDS server may be configured based on the transaction amount and customer amount as estimated by the service provider.
Referring to fig. 1, in another embodiment of the present invention, the user interaction interface layer 100 and the data access layer 300 may also include several ESC servers 201 and/or RDS servers 202.
By adopting the distributed architecture to build the business logic layer, the data and the application of each node support independent operation and deployment, the data and the application between the nodes are completely independent and cannot influence each other, so that the service provider can efficiently complete the business support of the business logic layer on the SAAS-based consumption financial core system when developing consumption financial business.
In one embodiment of the invention, the user interaction interface layer 100 is authenticated using an encryption method. The encryption ensures that the transmission data in the user interaction interface layer is not changed.
In an embodiment of the present invention, the data access layer adopts a mycat configuration, and is configured to automatically switch to a corresponding database according to the identity information of the user. Specifically, when the data access layer is configured through the mycat, the access request is automatically sent to the corresponding database according to the mechanism information carried by the user access request, and meanwhile, the safety of the mechanism information is ensured, and the information in the mechanism is ensured not to be inquired by other illegal users.
In one embodiment of the invention, the elastic computing server and/or the relational database server of the service logic layer communicate by using a rabbitmq internal message bus. By adopting the rabbitmq internal message bus, high-efficiency data communication of the servers can be realized.
In an embodiment of the present invention, the ui layer uses HTTP (HyperText Transfer Protocol) communication. By adopting the HTTP protocol, a user can directly access the service logic layer through the browser of the client without installing additional program software.
In one embodiment of the present invention, the communication between the user interaction interface layer 100 and the business logic service layer 200 is a load balancing configuration. And when the access amount of the user is increased through load balancing configuration, the load of the server is balanced, and the working efficiency of the server is improved.
In an embodiment of the present invention, the system module is specifically configured to configure basic information, interest rate and rate information of the consumption financial product; the rule module is specifically used for auditing process setting, including machine auditing and manual auditing rule setting, and is also used for issuing, compiling test and synchronous comprehensive management of a rule engine; the core business module is specifically used for inquiring the account, loan, contract and limit of the user, managing the account, limit and contract and processing overdue withholding and expense loan-adjusting business. The approval module is specifically used for carrying out approval, inquiry and pickup processing on the fed-in workpieces, carrying out statistical management on reasons that manual approval processes and application fails, and carrying out inquiry statistics on reasons that the fed-in workpieces are not approved. In another embodiment of the present invention, the integrated control system is specifically configured to manage an organization structure, an account number, a right, a data dictionary, and information synchronization in the system, and manage a process, an instance, a node, and a batch definition.
In one embodiment of the invention, the business logic layer is further configured to configure the consumption financial data according to the identity information of the user. Different user business processing is realized at a business logic layer by carrying out independent consumption financial data configuration on each user.
It should be noted that: the SAAS platform-based consumption financial core system provided by the embodiment of the invention adopts a Linux-based operating system, uses a Mysql database and is developed by adopting Java language. To ensure safe operation of the system, a technician 7 x 24 hours monitors the operation and maintenance. The unique mechanism number correspondingly moved by each service provider mechanism needs to be input by the user in the system, and the mechanism number, the user name and the password are required to confirm the mechanism to which the user belongs.
Referring to fig. 2, fig. 2 is a flow chart illustrating a credit line application method using a SAAS-based consumer finance core system. This example is detailed as follows:
s201: the client terminal sends an application request to an order-picking platform, the order-picking platform judges whether the client is in a blacklist or not, if not, the order-picking platform obtains the scoring record of the client, and the order-picking platform is located on a user interaction interface layer.
In particular, the scoring record may be used to determine the size of the credit line. The bill picking platform is one or more servers positioned at a user interaction interface layer.
In another embodiment of the present invention, the process of obtaining the scoring record of the customer may be to query a pre-stored correspondence between the customer ID and the scoring record according to the customer ID to obtain the scoring record of the customer.
S202: and the bill picking platform inquires the ID of the client by accessing the SAAS core preposed interface platform, wherein the SAAS core preposed interface platform is positioned in the business logic service layer.
S203: and the bill picking platform downloads the client image data from the SAAS core prepositive interface platform according to the client ID.
Specifically, the customer image data includes, but is not limited to, images of the customer's identification card, hand-held identification card photos, other accessories, and the like.
S204: the SAAS core prepositive interface platform automatically identifies the name, address and identification card number information on the client identification card through OCR and sends the information to the bill drawing platform.
S205: and the bill drawing platform receives the living body detection data sent by the client terminal, compares the living body detection data with the information of the name, the address and the identification card number on the identification card of the client, and judges whether the current applicant is a real person.
Specifically, the applicant gradually completes the actions of left turning, right turning, mouth opening and blinking of the face of the applicant through a camera of the client terminal according to a preset flow of the system, and each action is detected by the system correctly and ends the detection process when the action passes the detection. This prevents a malicious person from forging the biometric features of others for authentication.
S206: and if the applicant is the real person, the bill picking platform picks up the bank card information to bind.
Specifically, the bank card is used in the process of applying for credit line, and is used for receiving loan or making loan repayment, deducting interest and the like.
S207: the bill drawing platform generates application comprehensive information according to the scoring record, the client image data, the living body detection result and the bank card information and sends the application comprehensive information to the core preposed interface platform;
s208: and the core preposed interface platform sends application comprehensive information to the SAAS wind control system platform, wherein the SAAS wind control system platform is positioned at the business logic service layer.
S209: and the SAAS wind control system platform carries out credit investigation and prequalification on the applied comprehensive information.
Specifically, accessing a third-party database according to a client ID carried in the application comprehensive information to obtain client credit investigation information; and judging whether the credit investigation information of the client meets the preset credit condition (whether the credit investigation record exists) or not, and determining whether the client passes the credit investigation prequalification.
S210: and if the SAAS wind control system judges that the application comprehensive information passes the credit investigation and the pre-examination, the SAAS wind control system sends the application comprehensive information to an SAAS core system platform, wherein the SAAS core system platform is positioned at a business logic service layer.
S211: and the SAAS core system platform completes the application and registration of the credit line of the client according to the application comprehensive information.
According to the embodiment, the credit line application is completed through the SAAS platform-based consumption finance core system, a service provider is not required to build a server, and hardware cost and labor cost are saved.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
It can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the terminal and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed terminal and method can be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may also be an electric, mechanical or other form of connection.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment of the present invention.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
While the invention has been described with reference to specific embodiments, the invention is not limited thereto, and various equivalent modifications and substitutions can be easily made by those skilled in the art within the technical scope of the invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A Software As A Service (SAAS) platform based consumer financial core system comprising:
the system comprises a user interaction interface layer and a data processing layer, wherein the user interaction interface layer is used for providing consumption financial data service for a client of a Web platform or a mobile platform, and comprises a bill extraction platform which is used for acquiring a client application request sent by the client, the living body detection data of the client and the bank card information of the client;
the business logic service layer is connected with the user interaction interface layer and comprises a system module, a rule module, a core business module, an approval module and a comprehensive control module; the system module is used for configuring parameters of the consumption financial products; the rule module is used for configuring a rule engine; the core business module is used for processing and inquiring the account information of the user, and managing and credit business processing the account; the approval module is used for processing the related processes of the approval of the incoming parts; the comprehensive control system is used for monitoring the system process and the batch running state; the business logic service layer also comprises an SAAS core preposed interface platform, an SAAS wind control system platform and an SAAS core system platform, wherein the bill extraction platform is used for inquiring the ID of the client applying for the request by accessing the SAAS core preposed interface platform, acquiring the grade record of the client according to the ID and downloading the image data of the client from the SAAS core preposed interface platform;
the SAAS core preposed interface platform is used for automatically identifying the name, the address and the identification card number on the identification card of the client through OCR, and the bill drawing platform compares the living body detection data with the name, the address and the identification card number on the identification card of the client to obtain the living body detection result of the client;
the bill drawing platform is used for generating application comprehensive information according to the grading record, the image data, the living body detection result and the bank card information of the client, and sending the application comprehensive information to the SAAS wind control system platform through the SAAS core preposed interface platform, the SAAS wind control system platform is used for carrying out credit investigation pre-examination on the application comprehensive information, and the SAAS core system platform is used for completing the application registration of the credit limit of the client according to the application comprehensive information after the credit investigation pre-examination is passed;
and the data access layer is connected with the business logic service layer and is used for providing the consumption financial data service for the business logic service layer.
2. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the business logic layer comprises a number of resilient computing servers and/or relational database servers, the number of resilient computing servers and/or relational database servers employing a multi-node distributed architecture.
3. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the user interaction interface layer is authenticated using cryptographic methods.
4. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the data access layer is configured with mycat for automatic switching to a corresponding database based on identity information of a user.
5. The Software As A Service (SAAS) platform based consumer financial core system of claim 2, wherein the elastic computing server and/or the relational database server of the business logic layer employs rabbitmq internal message bus communication.
6. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the user interaction interface layer communicates using hypertext transfer protocol.
7. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the communication of the user interaction interface layer and the business logic service layer is a load balancing configuration.
8. The Software As A Service (SAAS) platform based consumer financial core system of claim 1, wherein the system module is specifically configured to configure basic information, interest rate and rate information for consumer financial products; the rule module is specifically used for auditing process setting, including machine auditing and manual auditing rule setting, and is also used for issuing, compiling test and synchronous comprehensive management of a rule engine; the core business module is specifically used for inquiring the account, loan, contract and limit of the user, managing the account, limit and contract and processing overdue withholding and expense loan-adjusting business.
9. The Software As A Service (SAAS) platform based consumption financial core system as claimed in claim 1, wherein the approval module is specifically configured to approve, query, and pick up incoming documents, perform statistical management on reasons why manual review processes and applications fail, and perform query statistics on reasons why incoming documents are not accepted and quantity and refused.
10. The Software As A Service (SAAS) platform based consumer financial core system of claim 4, wherein the business logic layer is further configured to configure consumer financial data based on identity information of the user.
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| CN111768295A (en) * | 2020-06-30 | 2020-10-13 | 北京同邦卓益科技有限公司 | Data processing method, system, electronic device and storage medium |
| CN112883313B (en) * | 2021-02-24 | 2022-07-19 | 上海浦东发展银行股份有限公司 | Intelligent monitoring system for business data of credit card |
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