CN111930352B - Bank financial product online method and device - Google Patents
Bank financial product online method and device Download PDFInfo
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- CN111930352B CN111930352B CN202010794670.0A CN202010794670A CN111930352B CN 111930352 B CN111930352 B CN 111930352B CN 202010794670 A CN202010794670 A CN 202010794670A CN 111930352 B CN111930352 B CN 111930352B
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F8/00—Arrangements for software engineering
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
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- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management
Abstract
The invention provides a method and a device for online banking and financial products, wherein the method comprises the following steps: determining business protocol information of the financial products to be online according to a foreground login area of the financial products to be online, the types of the products and a pre-stored business protocol; the service protocol information includes: business protocol codes and basic template codes; determining a basic template view according to the basic template codes and a pre-stored basic view database; determining a product template view according to the service protocol codes and a prestored product template database; and determining the online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database. The invention can abstract the business according to the business characteristics of the banking financial products, perform characteristic customization and realize the quick online of the business without version installation. The invention can be used in the financial field or other fields, can be used in a banking financial product system in the financial field, and is used for providing quick online technical support for banking financial products.
Description
Technical Field
The invention relates to a data processing technology, in particular to a data processing technology in the financial field, and specifically relates to a method and a device for online banking financial products.
Background
With the rapid advancement of internationalization strategy, each large bank establishes branch institutions in a plurality of national regions worldwide, and a bank system with good expansibility is required to realize risk management and control of overseas and overseas institutions. The bank system collects information through the front end and achieves business risk management by utilizing preset business rules and processing flows in the system. When service popularization is performed, a standard version of service system is usually provided. However, since the service forms and local supervision requirements of the institutions in the overseas and overseas environments have large differences, the institutions also need to be modified according to the dimensions of regions, products and the like to meet the characteristic requirements, and the institutions can be brought online after release and installation of the versions.
The banking system implementation of the prior art mainly has the following problems: 1. all the requirements need to be redeveloped, and the vigorous requirements of different institutions cannot be responded quickly. 2. All functions are required to be online and deployed through version installation, the research and development mode is not flexible enough, and the realization cost is high. 3. The characteristic requirements of the same service are scattered in each module of the system, a unified view is not formed, and a certain difficulty is caused to the sustainability of research.
Disclosure of Invention
In order to solve at least one problem in the prior art, an embodiment of the present invention provides a method for online banking and financial products, including:
determining business protocol information of the financial products to be online according to a foreground login area of the financial products to be online, the types of the products and a pre-stored business protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
determining a basic template view according to the basic template code and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
and determining online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database.
In the embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In the embodiment of the present invention, the determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the business database includes:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
Determining the complete view information of the product according to a pre-stored customized database, service elements and service rule messages;
acquiring corresponding service data according to the service data storage position corresponding to the service protocol and the service database acquisition mode;
and determining online financial products according to the product complete view information and the corresponding business data.
In the embodiment of the invention, the method further comprises the following steps: carrying out abstract processing on bank financial products to generate a pre-stored business protocol; the method specifically comprises the following steps:
a business protocol code is allocated to the bank financial products to be subjected to abstract processing;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting service elements and service rules predefined according to front login areas and product type dimensions of banking financial products as a product template view;
and storing the service protocol codes, the product template view, the basic template view and the corresponding basic template codes to generate a pre-stored service protocol.
Meanwhile, the invention also provides a bank financial product online device, which comprises:
the protocol information determining module is used for determining the business protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and a prestored business protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
A basic template determining module for determining a basic template view according to the basic template code and a pre-stored basic view database;
the product template determining module is used for determining a product template view according to the service protocol codes and a pre-stored product template database;
and the product online module is used for determining online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database.
In the embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In an embodiment of the present invention, the product online module includes:
the business element rule determining unit is used for determining corresponding business elements and business rule information according to the basic template view and the product template view respectively;
the view processing unit is used for determining the complete view information of the product according to the prestored customized database, the business elements and the business rule information;
the service data determining unit is used for acquiring corresponding service data according to the service data storage position corresponding to the service protocol and the service database acquisition mode;
And the product production unit is used for determining online financial products according to the product complete view information and the corresponding business data.
In an embodiment of the present invention, the apparatus further includes:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a prestored business protocol;
the protocol initiation module comprises:
the code distribution unit is used for distributing business protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
the product template processing unit is used for extracting service elements and service rules predefined according to front login areas of banking financial products and product type dimensions as a product template view;
and the service protocol generation unit is used for generating a pre-stored service protocol according to the service protocol code, the product template view, the basic template view and the corresponding basic template code.
The invention also provides a computer device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the method.
Meanwhile, the invention also provides a computer readable storage medium which stores a computer program for executing the method.
The invention provides a method and a device for customizing a financial product on line rapidly, which can abstract business according to business characteristics of a bank financial product, extract general product components as standard edition function popularization, and simultaneously perform characteristic customization on the standard edition function according to dimensions of regions, products and the like, so that the business on line rapidly can be realized without version installation.
The invention can be used in the financial field or other fields, can be used in a banking financial product system in the financial field, and is used for providing quick online technical support for banking financial products.
The foregoing and other objects, features and advantages of the invention will be apparent from the following more particular description of preferred embodiments, as illustrated in the accompanying drawings.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for online banking and financial products provided by the invention;
FIG. 2 is a business model relationship diagram provided in the present embodiment;
FIG. 3 is a diagram showing the relationship between the converted business models in the present embodiment
FIG. 4 is a diagram of an overall system architecture according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating steps performed by the protocol customization mechanism according to an embodiment of the present invention;
FIG. 6 is a flowchart illustrating a data reading apparatus according to an embodiment of the present invention;
FIG. 7 is a flow chart of a schematic diagram of an apparatus for processing a video according to an embodiment of the present invention;
FIG. 8 is a flow chart of a data storage device according to an embodiment of the present invention;
FIG. 9 is a block diagram of an online device for banking and financial products provided by the invention;
fig. 10 is a schematic diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
As shown in fig. 1, a flowchart of a method for online banking and financial products provided by the present invention includes:
step S101, determining service protocol information of the financial products to be online according to a foreground login area of the financial products to be online, the types of the products and a pre-stored service protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
step S102, determining a basic template view according to the basic template codes and a pre-stored basic view database;
step S103, determining a product template view according to the service protocol codes and a pre-stored product template database;
step S104, determining online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database.
In the embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In the embodiment of the present invention, the determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the business database includes:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
Determining the complete view information of the product according to a pre-stored customized database, service elements and service rule messages;
acquiring corresponding service data according to the service data storage position corresponding to the service protocol and the service database acquisition mode;
and determining online financial products according to the product complete view information and the corresponding business data.
Compared with the traditional service system research and development mode, the invention can directly realize the characteristic customization, reduce the system development cost, meet the requirements of quick response service demands, directly start the online after the customization according to the characteristic demands of the foreground login area and the product type of the product, avoid version installation and deployment, and reduce the operation and maintenance cost. The distinctive requirement rules with different dimensions of the same service have complete unified views, so that research, development and management are facilitated, and sustainability is improved.
In the embodiment of the invention, the business abstraction is performed according to the existing banking business management flow, and the business model shown in figure 2 can be obtained. It comprises the following steps:
business elements: the service information which needs to be collected by the system in the service management process comprises the following steps: business variety, amount, currency, region, deadline, interest rate information, etc.
Business rules: and in the service management process, processing and checking rule expressions are carried out according to different service scenes and service processing flows.
Business product category: the business product types are divided according to the substantial form of business handling, each business product type has specific business information input and processing flow, each product type consists of business elements and business rules, and different product types can have the same business elements and business rules.
Service protocol: the business product types with similar business elements and processing flows are reclassified to form business protocols, and the product types of the same business protocol have similarities in the business elements, business rules and processing flows, and the standard of similar division is mainly determined by the requirement of system management.
In the embodiment of the invention, the method further comprises the following steps: carrying out abstract processing on bank financial products to generate a pre-stored business protocol; the method specifically comprises the following steps:
a business protocol code is allocated to the bank financial products to be subjected to abstract processing;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
Extracting service elements and service rules predefined according to front login areas and product type dimensions of banking financial products as a product template view;
and storing the service protocol codes, the product template view, the basic template view and the corresponding basic template codes to generate a pre-stored service protocol.
The embodiment provides a financial product customization method capable of rapidly customizing online, which can abstract business according to business characteristics of banking financial products, extract general product components to be used as standard edition function popularization, and simultaneously perform characteristic customization on the standard edition function according to dimensions of regions, products and the like, so that the rapid online of the business can be realized without version installation.
Taking the business of handling loans from enterprise to bank as an example, the information provided by the bank for various business requirements is different. The loan business is the same, the flowing fund loan mainly focuses on the business deadline, the amount, the interest rate information, the mortgage and other information, and the loan is purchased in parallel, and the related information of the enterprise is purchased in parallel on the basis of the business deadline, the amount, the interest rate information, the mortgage and other information; different business types are different for business deadlines, approval amounts and the like which can be handled, and the invention is realized by adopting the following technical scheme in combination with banking business.
As shown in fig. 2, in the embodiment of the present invention, first, service abstraction is performed according to the existing banking service management flow, so as to obtain the following service model.
Business elements: the system needs collected business information in the business management process, such as business variety, amount, currency, area, time limit, interest rate information and the like.
Business rules: and in the service management process, processing and checking rule expressions are carried out according to different service scenes and service processing flows.
Business product category: the business product types are divided according to the substantial form of business handling, each business product type has specific business information input and processing flow, and from the system, each product type consists of business elements and business rules, and different product types can have the same business elements and business rules.
Service protocol: the business product types with similar business elements and processing flows are reclassified to form business protocols, and the product types of the same business protocol have similarities in the business elements, business rules and processing flows, and the standard of similar division is mainly determined by the requirement of system management.
The business model relation diagram shown in fig. 2 can be seen that the product types under the same business protocol have the same or different business elements and business rules, and the business model relation diagram is further processed, and the converted business relation model diagram is shown in fig. 3:
A. And extracting intersection sets of service elements and service rules of the same product types under the service protocol to form a basic template view, and popularizing the basic template view as a standard product component.
B. On the aspect of business protocol, the product template view is formed by customizing the characteristic business elements and business rules in the dimensions of regions, business product types and the like, and is used as a characteristic product member. The custom dimension can be added or changed according to the actual requirement of the system.
C. When the system is connected to the corresponding region and the product type, a business protocol to which the product type belongs is used for obtaining a basic template view, a corresponding product template view is obtained by the region and the product type, the two views are combined together to obtain a full view of the product in the appointed region, and if the product template view is not defined, only the basic template view is needed to be displayed.
In this embodiment, the model conversion schematic diagram shown in fig. 3 performs abstraction processing on a banking financial product in advance, and performs abstraction processing on an existing banking financial product to generate a pre-stored business protocol; the method is realized by the following steps:
distributing business protocol codes to the bank financial products to be subjected to abstract processing;
Namely, the bank financial products are distributed with service protocol codes according to the product types to suggest the mapping relation between the service types and the service protocols in the service perspective;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting service elements and service rules predefined according to front login areas and product type dimensions of banking financial products as a product template view;
and storing the service protocol codes, the product template view, the basic template view and the corresponding basic template codes to generate a pre-stored service protocol.
And in the system view angle, establishing the relation between the business protocol and the product basic template and the product template, and determining the business protocol corresponding to the financial product according to the business elements and the protocol rules corresponding to the basic template and the product template respectively.
According to the thought of the above steps a-C, in this embodiment, the customization, the reading storage and the view display of the service protocol, the service element, the service rule are implemented through the protocol customization device, the data reading device, the data storage device and the view processing device. The overall architecture of the present invention is shown in fig. 4, which is a schematic diagram of the overall architecture of the system in the present embodiment.
The purpose of each device will be described in detail below.
(1) Protocol customizing device 1:
the protocol customizing device 1 mainly realizes a complete service protocol customizing function, can customize service elements, service rules and product types by self-definition, combines the service elements and the service rules on a product template view, can deactivate a current product template view and enables a new product template view.
The protocol element customizing apparatus 1 mainly includes: business element customizing device 11, business rule customizing device 12, product category customizing device 13, protocol template customizing device 14, and protocol initializing device 15. Customization information related to each sub-device in the protocol customization device 1 needs to be stored in a persistent mode.
The functional purpose of each sub-device of the protocol customizing device 1 is as follows:
business element customizing device 11:
the business elements are main information collected by a banking system, different formats such as text format, date format and digital format can be selected according to different characteristics, or single-selection frames, multi-selection frames and the like, and each type of format can be provided with a required storage length. As can be seen from the business relationship model fig. 2, the same business elements exist for different business types. The system can preset general elements of the business, such as money, currency, deadline units, deadlines and the like, and can customize the characteristic elements of the product according to business requirements. All the customized elements are uniformly maintained in the service element pool.
Taking the example of customizing a business element approval amount, the operation flow of the business element customizing device is as follows:
step S1101: and entering a business element customizing device, and inquiring whether similar elements exist from an element pool according to element names and the like.
Step S1102: if no similar elements exist, element customization is started
Step S1103: setting element format, and approving the amount to be digital type
Step S1104: the set element length, such as the amount of money, may be set to a 17-bit integer, 5-bit decimal.
Step S1105: setting element names can support multi-class language display, such as Chinese, english, etc.
Step S1106: and storing the set elements into an element pool for subsequent use.
Step S1107: if the similar elements meeting the requirements exist, the method can be directly used.
Business rule customizing means 12:
the business rule customizing device 12 may set a related verification relation for one or more business elements, and may set a rule name, a rule control type, a rule verification expression, and a verification information prompt.
The control type currently supports flexible control, rigid control.
The check expression may set a common rule expression, and rule setting of elements may be implemented using arithmetic operators, relational operators, logical operators, and general functions. The general function supports the functions of checking the necessary transmission, checking the byte length, checking the range of the input value, checking the phone of the fixed telephone, checking the IP standard, checking the amount, checking the date, and the like, and meanwhile, a self-defined checking interface is reserved, so that the function expansion of the checking interface can be realized by self.
The verification prompt information is preset according to the result of the verification expression, and when the related business elements do not meet the verification rule, the prompt can be carried out according to the set content.
Taking the service start date and the service expiration date as examples, the following verification rules are required to be satisfied:
(1) The service start date is required to be greater than or equal to the current date;
(2) The service start date is less than or equal to the service end date.
If not, the rigidity control is carried out, and a corresponding prompt is made. The operation flow of the business rule customizing device 12 (precondition: required business elements already exist in the element pool) is as follows:
step S1201: the service rule customizing device 12 is entered to acquire two elements, namely a service start date and a service expiration date, from the element pool.
Step S1202: setting rule names: business date verification can support multiple languages.
Step S1203: setting a check rule, and setting two pieces according to an arithmetic expression: the service start date is smaller than or equal to the service end date, and the service start date is larger than or equal to the current working date.
Step S1204: setting control types and prompt information for the expression, wherein the control types are rigid control, and inputting the prompt information when the control types are not satisfied, so as to support multiple languages.
Step S1205: and storing the maintained rule information in the system.
Product type customizing device 13:
the product category customizing device supports adding or modifying product category information in the system. The information required for customizing the product types mainly reflects the content of the service view, such as a service handling form and the like. The product type needs to be associated with the business elements and business rules before having practical business significance.
Taking the example of customizing one type of loan products, the product type customizing device comprises the following operation flows:
step S1301: and entering a product type customizing device, and inquiring whether the same product exists in the system according to the product type name and the like.
Step S1302: if the same product does not exist, starting to add a new product category
Step S1303: the product category names are set, multi-category language display such as Chinese, english and the like can be supported, and product category codes are distributed.
Step S1304: and storing the set product type information into a system for subsequent use.
Step S1305: if the product types meeting the requirements exist, the product types can be directly used.
Protocol template customizing means 14:
the product template view is customized according to the preset dimension of the system, and the product template view is set according to the dimension of the region plus the product type in the current dimension support. The service elements and rules can be added on the product view, when the service elements are added, the service elements are automatically matched with available fields reserved in a service data table set in a service protocol in an applicability manner, and if the matching is successful, the successful addition of the service elements is indicated.
Protocol initializing means 15:
as can be seen from the service model relation diagram converted in FIG. 3, the customization of the service elements, the service rules, the basic templates and the product templates are all established on the service protocol, and the service protocol is a tie of the service view angle and the system view angle, so that the system is limited in that one service protocol cannot be directly and completely added, and the service protocol must be set into the system through the protocol initializing device.
The service protocol information includes service protocol codes, basic template codes, service data storage positions (such as information of a service data table) corresponding to the service protocols, service data acquisition modes and the like.
The service data table needs to provide enough reserved fields with various types and lengths, and persists information such as field names and the like in the service protocol information.
In order to meet the requirement of realizing quick customization on line, a general product component is initialized in a system, and the special customization is realized on the basis of the general product component to form a special product component. The initialization process and the customization process are described in detail below by taking the loan service as an example.
Taking loan service as an example, the loan service can be divided into flowing fund loan, and purchase loan according to service types, wherein each product type has common factors such as service deadline, amount, interest rate information, mortgage and the like, the purchase loan also pays attention to information of a purchased enterprise and the like, firstly, service abstraction is carried out, the loan service can be abstracted into a service agreement, the common factors such as service deadline, amount, interest rate information, mortgage and the like are acquired according to intersection of the flowing fund loan and the purchase loan, a basic template view is initialized, the purchase loan has product characteristic information in the purchase enterprise information, and the purchase enterprise information is set as a product template view. The above processes can be divided into a general component initialization process and a feature product customization process.
General production initialization flow:
step S1501: firstly, business abstraction is carried out, loan business is abstracted into a business protocol, and a system business protocol number is allocated.
Step 1502: the general business elements of all product types under the specific business protocol are referred to the business element customizing flow of the business element customizing device 11, and the business elements such as business deadlines, money amount, interest rate information, mortgage and the like are initialized.
Step S1503: the general business rules of all product types under the business protocol are defined, and business rule information of factors such as business deadlines, money amounts, interest rate information, mortgage substances and the like is initialized by referring to the customizing flow of the business rule customizing device 12.
Step S1504: and extracting the general service elements and the service rules as a basic template view, setting a basic template number, distributing a storage space (such as information of a service table and the like) for the basic template view, and confirming a service data acquisition interface.
Step S1505: the above business protocols, base template views, generic business elements and rule initializations are stored in a database.
The standard product components of the loan service already initialized in the system can be operated by the following procedures if a new type of special products needs to be added at the moment, such as the union loan purchase:
Step S1601: the product category customizing device 13 adds a product category and purchases loans, and sets the loan under the loan service agreement.
Step S1602: inquiring whether the new product characteristic elements are information of the enterprise to be purchased from an element pool initialized by the system, if not, referring to the customizing flow of the business element customizing device 11, and adding the business elements newly; the element, if present, may be used directly.
Step S1603: checking from the business rule customizing means 12 whether the business rule of the element already exists, and if not, referring to the customizing flow of the business rule customizing means 12, adding the business rule.
Step S1603: the protocol template customization means 14 is entered to assign a class of product template views to the product category.
Step S1604: the newly added business elements and rules in S1602, S1603 are set to under the new product template view number.
Through the steps, customization is completed for the parallel loan, and specific data reading and view display are completed by the following devices.
As shown in fig. 5, a flowchart of the processing steps of the protocol customization device in this embodiment includes:
entering a protocol template customizing device, and selecting a service protocol to be customized;
Inquiring all service product types according to the service protocol;
judging whether a new product type is needed;
if the new product type is determined to be needed, the product type customizing device executes the step of the new product type and hangs the step to the current business protocol;
determining that new product types are not needed, displaying a basic template view according to service protocol information, and inquiring an effective product view template according to region and service type dimensions;
judging whether the service elements meeting the requirements exist in the element pool or not;
if not, entering a business element customizing device, customizing the business element, and hanging the business element to the current product view;
judging that the service elements meeting the requirements exist, or after the custom elements are executed, carrying out applicability matching on the service elements and reserved fields of a service data table, and storing the corresponding relation;
the business rule element device sets a rule expression for the business elements in the complete view according to the business scene;
the system automatically generates a new product template view, and sets the version of the new product template view as a new enterprise;
and if the service is required, setting the newly set product template view as in-use and setting the old product template view as history through a version enabling function.
(2) The data reading apparatus 2:
the device automatically acquires dimensions such as a region, a product type and the like selected by a system foreground login, inquires that the permanently stored customized information comprises service protocol information, a product template view, a basic template view and corresponding service elements and rules according to conditions appointed by the foreground, acquires corresponding service data according to a service data table storage position configured by the service protocol, converts the customized information and the service data into XML information, and sends the XML information to the view processing device 4.
The data reading device 2 needs to provide a standardized data reading interface, and the service module user of the present invention implements service data reading logic and initializes the service data reading logic in service protocol information.
As shown in fig. 6, the processing flow of the data reading apparatus 2 includes:
step S201: and acquiring information such as logged areas, service product types and the like through the front end, and acquiring service protocol information according to the customized information.
Step S202: and obtaining the basic product view code according to the service protocol code.
Step S203: and obtaining a product template view code according to the region, the service product type and the service protocol code, and if the product template view is not defined, not obtaining the product template view code.
Step S204: and respectively acquiring the affiliated business elements and rule information according to the basic product view and the product template view.
Step S205: and acquiring service data from the service data table through a data reading interface configured in the service protocol, and assigning the service data to the service elements.
Step S206: the customization information and service data of the complete view are formatted into XML data and sent to the view processing device 4.
View processing means 4:
the view processing device 4 mainly displays customized information according to specifications, realizes the input and collection of service information, and needs to realize the following functions according to the specifications:
the XML information provided by the data reading device 2 is analyzed by using a front-end technology, the service elements are displayed on the foreground according to the appointed type format, and the service data are assigned to the corresponding service elements. The front-end technology may use a common JSP, vue, PHP technology.
And providing a standardized data acquisition interface, acquiring the business element information input by the front end, converting the business data into an XML format when the persistence is required, transmitting the XML format to the data storage device 3, and carrying out the persistence of the business data.
Other expansion interfaces of the view processing means are implemented as needed, where the functions are only expanded.
The view processing means 4 processes the flow as shown in fig. 7:
step S301: the XML format data is received from the data reading apparatus 2.
Step S302: XML format data is parsed and exposed through front-end exposure techniques such as JSP, vue, PHP and the like.
Step S303: and collecting the business element information input by the front end, checking the business rule, and prompting according to the preset prompting information if the check is not passed.
Step S304: the service data collected by the front end and checked by the service rule are formatted into XML data through a standardized data collection interface and transmitted to the data storage device 3.
Data storage device 3:
the data storage device 3 receives the service data in the XML format collected by the view processing device 4, acquires a standard data processing interface corresponding to the service protocol according to the customized information, and persists the service data to a service data table.
The data storage means 3 need to provide a standardized data storage interface, implement the service data storage logic by the inventive user and initialize in the service protocol information.
The data storage device process flow is shown in fig. 8:
step S401: XML format data is received from the view processing means.
Step S402: and acquiring the corresponding relation between the service data and the service elements and between the service data table fields according to the customized information.
Step S403: and obtaining a standardized data storage interface corresponding to the service data through the service protocol information to perform persistent storage.
The embodiment provides a financial product customization method capable of realizing rapid online service without version installation by rapidly customizing online financial products, wherein service abstraction can be performed according to service characteristics of banking financial products, general product components are extracted to be used as standard version function popularization, and meanwhile, characteristic customization is performed on standard version functions according to dimensions of regions, products and the like.
Meanwhile, the present invention also provides an online device for banking and financial products, as shown in fig. 9, comprising:
the protocol information determining module 901 is configured to determine service protocol information of a financial product to be online according to a foreground login area of the financial product to be online, a product type and a pre-stored service protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
a base template determination module 902, configured to determine a base template view according to the base template code and a pre-stored base view database;
The product template determining module 903 is configured to determine a product template view according to the service protocol code and a pre-stored product template database;
and a product online module 904, configured to determine online financial products according to the basic template view, the product template view, the pre-stored custom database and the business database.
In an embodiment of the present invention, a product online module includes:
the business element rule determining unit is used for determining corresponding business elements and business rule information according to the basic template view and the product template view respectively;
the view processing unit is used for determining the complete view information of the product according to the prestored customized database, the business elements and the business rule information;
the service data determining unit is used for acquiring corresponding service data according to the service data storage position corresponding to the service protocol and the service database acquisition mode;
and the product production unit is used for determining online financial products according to the product complete view information and the corresponding business data.
In an embodiment of the present invention, the apparatus further includes:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a prestored business protocol;
The protocol initiation module comprises:
the code distribution unit is used for distributing business protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
the product template processing unit is used for extracting service elements and service rules predefined according to front login areas of banking financial products and product type dimensions as a product template view;
and the service protocol generation unit is used for generating a pre-stored service protocol according to the service protocol code, the product template view, the basic template view and the corresponding basic template code.
The embodiment of the online device for banking and financial products of the present invention will be apparent to those skilled in the art from the foregoing description of the embodiments, and will not be described in detail herein.
The present embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, or the like, and the present embodiment is not limited thereto. In this embodiment, the electronic device may refer to the embodiments of the foregoing method and apparatus, and the content thereof is incorporated herein, and the repetition is not repeated.
It should be noted that the method and apparatus for online banking financial products of the present disclosure may be used in the financial field including, but not limited to, online and processing of banking financial products, and may also be used in any field other than the financial field, and the application field of the method and apparatus for online banking financial products of the present disclosure is not limited.
Fig. 10 is a schematic block diagram of a system configuration of an electronic device 600 according to an embodiment of the present invention. As shown in fig. 10, the electronic device 600 may include a central processor 100 and a memory 140; memory 140 is coupled to central processor 100. Notably, the diagram is exemplary; other types of structures may also be used in addition to or in place of the structures to implement telecommunications functions or other functions.
In one embodiment, the banking financial product online function may be integrated into the central processor 100. Wherein the central processor 100 may be configured to control as follows:
determining business protocol information of the financial products to be online according to a foreground login area of the financial products to be online, the types of the products and a pre-stored business protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
Determining a basic template view according to the basic template code and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
and determining online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database.
In another embodiment, the bank financial product online device may be configured separately from the central processor 100, for example, the bank financial product online device may be configured as a chip connected to the central processor 100, and the bank financial product online function is implemented under the control of the central processor.
As shown in fig. 10, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processing unit 130, a display 160, a power supply 170. It is noted that the electronic device 600 need not include all of the components shown in fig. 10; in addition, the electronic device 600 may further include components not shown in fig. 10, to which reference is made to the related art.
As shown in fig. 10, the central processor 100, sometimes also referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, which central processor 100 receives inputs and controls the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information about failure may be stored, and a program for executing the information may be stored. And the central processor 100 can execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides an input to the central processor 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used for displaying display objects such as images and characters. The display may be, for example, but not limited to, an LCD display.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), SIM card, or the like. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. Memory 140 may also be some other type of device. Memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage 142, the application/function storage 142 for storing application programs and function programs or a flow for executing operations of the electronic device 600 by the central processor 100.
The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, address book applications, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. A communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, etc., may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and to receive audio input from the microphone 132 to implement usual telecommunication functions. The audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 130 is also coupled to the central processor 100 so that sound can be recorded locally through the microphone 132 and so that sound stored locally can be played through the speaker 131.
The embodiment of the present invention also provides a computer-readable program, wherein when the program is executed in an electronic device, the program causes a computer to execute the banking financial product online method as described in the above embodiment in the electronic device.
The embodiment of the invention also provides a storage medium storing a computer readable program, wherein the computer readable program causes a computer to execute the banking financial product of the above embodiment on line in an electronic device.
Preferred embodiments of the present invention are described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments which fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principles and embodiments of the present invention have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (6)
1. A method for online banking and financial products, said method comprising:
determining business protocol information of the financial products to be online according to a foreground login area of the financial products to be online, the types of the products and a pre-stored business protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
Determining a basic template view according to the basic template code and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
determining online financial products according to the basic template view, the product template view, a pre-stored customized database and a business database;
the determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the business database comprises the following steps:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
determining the complete view information of the product according to a pre-stored customized database, service elements and service rule information;
acquiring corresponding service data according to the service protocol information;
determining online financial products according to the product complete view information and the corresponding business data;
carrying out abstract processing on bank financial products to generate a pre-stored business protocol; the method specifically comprises the following steps:
a business protocol code is allocated to the bank financial products to be subjected to abstract processing;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
Extracting service elements and service rules predefined according to front login areas and product type dimensions of banking financial products as a product template view;
and storing the service protocol codes, the product template view, the basic template view and the corresponding basic template codes to generate a pre-stored service protocol.
2. The method for online banking and financial product as recited in claim 1, wherein said business protocol information further comprises: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
3. An online banking financial product device, comprising:
the protocol information determining module is used for determining the business protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and a prestored business protocol; wherein the service protocol information includes: business protocol codes and basic template codes;
a basic template determining module for determining a basic template view according to the basic template code and a pre-stored basic view database;
the product template determining module is used for determining a product template view according to the service protocol codes and a pre-stored product template database;
The product online module is used for determining online financial products according to the basic template view, the product template view, the pre-stored customized database and the business database;
the product on-line module comprises:
the business element rule determining unit is used for determining corresponding business elements and business rule information according to the basic template view and the product template view respectively;
the view processing unit is used for determining the complete view information of the product according to the pre-stored customized database, the business elements and the business rule information;
the service data determining unit is used for acquiring corresponding service data according to the service protocol information;
the product production unit is used for determining online financial products according to the product complete view information and the corresponding business data;
the device also comprises:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a prestored business protocol;
the protocol initiation module comprises:
the code distribution unit is used for distributing business protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
The product template processing unit is used for extracting service elements and service rules predefined according to front login areas of banking financial products and product type dimensions as a product template view;
and the service protocol generation unit is used for storing the service protocol codes, the product template view, the basic template view and the corresponding basic template codes to generate a pre-stored service protocol.
4. The banking financial product online device of claim 3, wherein said business protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for implementing the method of any one of claims 1 to 2, which is executed by a computer.
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