CN113139861A

CN113139861A - Open financial service platform (system device) based on internet and method thereof

Info

Publication number: CN113139861A
Application number: CN202010057127.2A
Authority: CN
Inventors: 王永勤; 李文茂; 张磊
Original assignee: Tianjin Internet Finance Association
Current assignee: Tianjin Internet Finance Association
Priority date: 2020-01-19
Filing date: 2020-01-19
Publication date: 2021-07-20

Abstract

The invention discloses an open financial business service system device based on internet and a method thereof, relating to the field of financial science and technology, providing a series of financial product services and financial science and technology innovation tool services through financial institutions on a platform, establishing effective link between the open financial business services and user requirements, and meeting the client requirements through a data output device and the like, wherein the invention uses a polymerization technology, wherein the polymerization technology is used for internet, a database, a network terminal, biological identification, a synthesis algorithm, big data, artificial intelligence, financial science and technology system engineering and the like, which is a multi-element fusion polymerization system and technical method, the client is guided to provide financial products and financial services by using a regular financial service institution by providing internet financial services, financial science and technology service products, acceptance environment tools and the like, and behaviors and activities of some internet financial illegal mechanisms are monitored and exposed through the platform, a good financial service environment and a social credit system are constructed, and a new method and a new technical means for financial supervision in an internet environment are explored.

Description

Open financial service platform (system device) based on internet and method thereof

The invention discloses an open financial business service system device and method based on internet, relating to a financial science and technology service platform (system device) and method, providing a series of financial product services and financial science and technology innovation tool services through a financial institution on the platform, comprising: the invention relates to a data input device, a data storage device, a data processing interface device, a data output device and the like, wherein the data storage device and the data processing device adopt a safe encryption mechanism for processing, effective links are established between open financial business services and user requirements through the data processing interface device, and services are provided for users through the data output device and the like to meet the customer requirements The invention can expose behaviors and activities of some internet financial violation illegal mechanisms, construct a good financial service environment and a good social credit system, and can also explore a new method and a new technical means for financial supervision in the internet environment.

Technical Field

The invention relates to the field of financial science and technology and Internet finance, and discloses an open financial service platform (system device) and a method based on the Internet.

Background

Currently, internet financial business is changing day by day and is ubiquitous, and financial services such as bank account transfer, loan service, payment and the like are often involved in daily life, so that providing safe and reliable financial services becomes the most concerned problem for people, also the most concerned problem for various merchants, financial institutions and government departments, the most important financial services is bank accounts, all financial services provided by banks and financial institutions are based on bank accounts, bank accounts can be called as services, and with the development and progress of financial technology, every institution and individual must use financial technology services to be integrated into the society, otherwise, the institution and individual can be marginalized or even eliminated by the society.

The internet financial behaviors cover all the things, and relate to various industries, and the range of traditional financial bank, security and insurance business is broken through, and the internet financial business is across banks, regions and even countries. The internet finance and financial science and technology services are all-around, and are oriented to almost all people and all businesses in the whole society, so that application, popularization and supervision management of the internet finance and financial science and technology are necessary, and internet thinking and an internet technology method are necessary to guide, manage and monitor behaviors and business activities of the internet finance.

Disclosure of Invention

The invention discloses an open financial service platform (system device) and method based on internet, which provides a brand-new financial service platform (system device) by developing and constructing a platform system device and method, wherein the invention system device mainly has the technical characteristics that:

the methods, apparatus (systems), and computer programs of embodiments of the present invention, as well as specific applications thereof, may implement any combination of conventional procedural programming languages, including object oriented programming languages, such as Java, C + +, and software tools, such as website management tool software or similar programming languages, in one or more programming languages, to perform operations according to various aspects of the present invention.

The program code may execute entirely on the user's computer, partly on the user's terminal device, as a stand-alone software package, partly on the user's computer and partly on a remote computer or may execute entirely on the remote computer or server.

In the case of a remote computer or server, the remote computer may be connected to the user's computer through any type of network, including a local or wide area network, or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

There is depicted a flowchart or block diagram of a method, apparatus (system), and computer program product according to the invention, each step of the flowchart or block diagram being implemented by computer program instructions. And these computer program instructions may be provided to a processor of a computer 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 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 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 or block diagram block or blocks.

Embodiments of the invention may be provided as a method, system device (platform), or computer terminal device. Accordingly, embodiments may take the form of a combination of software and hardware. The present invention may be implemented in a computer program system embodied on one or more computers or terminal devices including computer executable program code.

The invention discloses an open financial service platform (system device) and method based on internet, which provides a brand-new financial service platform (system device) by constructing a system device and method, wherein the invention system device and method are mainly characterized in that: the financial science and technology service application program interface API + aggregate financial science and technology function + provide comprehensive financial business service + open financial service function + provide new financial supervision mode + provide various financial science and technology service means + adopt encryption algorithm and synthesis technology + universal financial product and financial service concept and universal financial asset management concept + universal financial supermarket concept + internet financial ecological concept + financial ecological supply chain concept + artificial intelligence application + supply chain management. The method is characterized in that:

the invention relates to a financial science and technology service Application Program Interface (API). the key technology of the platform of the invention is API (Application Programming Interface). The combination and communication of the financial business system and the user requirements are realized through the API, the API of the platform is not only a simple application interface program, but also a business application system programmable interface processing system which integrates a user interface, a database, safety management, encryption algorithm processing, statistical analysis and the like. The technical tools of the programmable interfaces applied are different according to different requirements of the service system.

The invention uses the aggregation technology, and the utilized technology comprises the internet technology, the network terminal technology, the biological identification technology, the synthesis algorithm technology, the big data technology, the artificial intelligence technology and the financial technology system engineering technology. The platform can provide latest financial products and services and latest financial science and technology innovation services, all financial institutions with financial licenses and all authenticated financial working institutions can be inquired on the platform, and the platform also aggregates technical service companies with financial science and technology services and successful application cases for providing services in the financial systems.

Provide omnidirectional internet financial service, this platform is a financial information service platform, also is financial management information platform, also is financial science and technology service show platform, is a financial service system's bridge, still a financial propaganda platform, this platform can be through this link of internet financial science and technology, link all internet financial practitioner institution and internet financial service together, provide omnidirectional financial service, including product service, administrative service, supervision service and financial science and technology information service.

The platform is an open brand-new financial service, most of which can use the internet to do most of financial services, including the traditional financial services of banks, securities, insurance, and the like, as well as emerging financial services of third-party payment, account service related to internet finance, credit system service, and the like, and information statistics, financial supervision, risk prevention, industrial behavior regulation and the like required by management institutions.

A new financial supervision mode is provided, the bridge and the link of financial science and technology services are built by utilizing the Internet, and the most core financial bank accounts and credit are managed so as to effectively supervise and manage financial business, financial behavior activities and financial innovation business. The inventive technique of the invention is to manage bank accounts and credit by using the internet, and by monitoring the bank account operation on the internet, and administration of financial activity transactions over the internet using credit (including data information collection and submission), all the substantial financial behavior activities are managed, financial supervision holes and blanks caused by the delayed financial supervision actions are avoided as much as possible, meanwhile, the platform also has the functions of monitoring, exposing and prompting behaviors of Internet financial illegal institutions by providing compliant financial scientific and technical service products, acceptance environment tools and the like to guide clients to utilize financial products and financial services provided by regular financial service institutions, and does the actual work for constructing good financial service environment and good social credit system, the platform of the invention can explore a new method and a new technical means for financial supervision in the environment of the big development of the Internet. The main application system of the invention comprises banks, securities and insurance, but not limited to the traditional financial businesses and institutions, and also comprises a professional institution which utilizes the internet technology to develop financial businesses and financial behavior activities thereof, as long as the actions of utilizing the internet to draw bank account activities or utilizing the internet to develop financial credit token activities on line are all within the monitoring and management range of the platform of the invention, in essence, the actions are an online bank account and credit token behavior activity monitoring and management platform (system device), all compliance financial behavior activities need to be registered and recorded, and data information is reported, the business is developed according to the requirements and law regulations of financial business management departments, the internet financial behavior activities which are not registered and recorded are monitored and information is prompted, and the references of financial supervision departments are reported, and meanwhile, the Internet financial business is developed to conduct business guidance and industry self-discipline standard management.

The invention provides various financial science and technology service means, and discloses an open financial service platform (system device) based on the Internet and a method thereof, which are also called as financial science and technology service platforms (system devices). The platform is a service platform, a management platform and a monitoring platform. The key elements of the platform are: internet + bank account + credit system. The main components of the platform are: bank, securities, insurance, third party, new finance, cross-border finance, financial management, etc. The invention relates to an open financial service platform (system device) based on the internet and a method thereof, which provides an open financial service system bridge and a link, provides a series of financial product services and tool services of financial science and technology innovation by each card-holding financial institution on the platform, and also provides a safe and reliable background service device of the internet financial acceptance environment.

The invention uses the aggregation technology by adopting the encryption algorithm and the synthesis technology, and the utilized technologies comprise the internet technology, the network terminal technology, the biological identification technology, the synthesis algorithm technology, the big data technology, the artificial intelligence technology and the financial science and technology system engineering technology. It is a polymerization system and technical method of multi-element fusion. The technology of the invention comprises the following steps: user interface (platform, including mobile APP and fixed application terminal interface), user database, organization database, behavioral activity database, account management database, credit database, security processing unit device, financial certification management system, statistical analysis reporting system, etc.

The invention provides a universal financial product, a universal financial service concept, a universal financial asset management concept and a universal financial supermarket concept, wherein the universal financial product refers to a traditional financial product, a new financial product and an internet financial derivative product, the universal financial service refers to a traditional financial service and a new internet financial science and technology service, the universal financial asset management refers to asset management of the traditional financial asset and a new financial science and technology service tool as the same financial asset, the novel internet financial product, service, asset and the like are comprehensively managed through the universal financial concept, actually, along with the development of internet financial business, the financial product, service, asset and the like on the internet are sometimes difficult to distinguish, so the universal financial supermarket concept is provided, and the universal financial supermarket manages and sells all financial products, services and assets as financial goods, and the financial science and technology service platform device is used for popularization and application.

The invention provides an internet financial ecology, which means that all financial institutions, personnel, businesses and financial acceptance environments related to the internet can be inquired or guided to all compliant internet financial practitioner institutions and most businesses including financial services, management, supervision and other financial ecological entities through an internet financial science and technology service platform device, and simultaneously, the internet financial ecology supply chain is also related to the practitioner institutions providing various financial services and related financial science and technology service devices, the supply chain is provided with financial card holding institutions and non-card holding institutions providing financial science and technology services, and the internet financial ecology supply chain is jointly constructed on the platform.

The invention makes full use of and plays the role of artificial intelligence, the user can use the artificial intelligence automatic biological identification technology to automatically identify and log in, the platform system device can provide various financial services for the client according to the user requirement, the artificial intelligence is used to select the financial services provided by various suppliers which can meet the client requirement, the client can communicate with the system on the platform, the platform provides service for the client through the artificial intelligence servo system and provides corresponding service or solution according to the client requirement, various products of various internet financial institutions and internet financial science and technology service devices provide corresponding service for the client, the client is guided to complete the internet financial requirement work through the platform, and what needs to be explained is to ensure the platform to be open and to be fair and sustainable development, the platform in the invention is only used as an intermediary service system and does not perform financial transactions, and all financial transactions provided for customers are performed in corresponding financial special systems, so that the platform is also only an internet financial comprehensive information service system device.

The invention uses supply chain management and design, effectively manages all financial products and financial scientific and technological service devices by using a supply chain management method, provides financial scientific and technological innovation services around the requirements of users, provides an API (application program interface) intermediate service platform from the financial products and the services, derives the financial products and the financial scientific and technological services from the financial products and the services, sends the financial products and the services to the hands of the users through the open financial scientific and technological service platform on the Internet, and connects financial product enterprises, service providers, manufacturers, distributors and final users into an integral functional network chain structure to realize the maximization of financial scientific and technological service benefits.

The invention has the innovative technical method that the bank account and the credit are managed by utilizing the Internet, all substantial financial behavior activities are intensively monitored and managed by monitoring the behavior of bank account operation on the Internet and monitoring the financial business behavior activities developed by utilizing the credit on the Internet, including data information acquisition, transaction operation and the like, financial monitoring loopholes and blanks caused by the lagging of financial monitoring actions are avoided as far as possible, and simultaneously, a client is guided to utilize financial products and financial services provided by a regular financial service institution by providing compliant financial science and technology service products, good acceptance environment tools and the like;

the platform can also be used for monitoring, exposing and prompting the behaviors and activities of Internet financial violation illegal mechanisms to form a foundation for constructing a good financial service environment and a good social credit system;

the platform realizes the organic combination of financial services, financial service tools and financial service scenes, the financial clients, financial service organizations and related financial acceptance environments are built on the platform by utilizing internet science and technology, and new financial ecological environments are formed by financial service, specialized service, new technical tools, client resources and the like, so that various social clients can share new technology, new services, new business, new state, safety, high efficiency and convenience services.

The platform registers all users who trade and the institutions which provide financial services, and registers and informationizes all trade products and financial science and technology services as assets, so that the financial products and services are the same as traceable commodities.

The open financial service platform is driven by an API (application programming interface) framework, scene finance is integrated into the internet ecology, cross-boundary service which is to be used immediately is formed around the requirements and experiences of customers, a brand-new financial business mode is shaped, finance is connected with various industries, and an open sharing and co-construction win-win ecological circle is formed.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and the drawings in the following description are only some embodiments of the present invention.

Fig. 1 illustrates a typical application flow of an internet-based open financial service platform and a method thereof.

FIG. 2 is a schematic diagram illustrating an API of an open financial service platform based on the Internet and a method thereof

Fig. 3 is a schematic view showing a platform configuration of an internet-based open financial service platform and a method thereof.

FIG. 4 is a schematic diagram illustrating a system service function of an Internet-based open financial service platform and a method thereof

Detailed Description

While the following primarily sets forth implementation methods and processes, it will be apparent to those of ordinary skill in the art that the present systems and methods may be practiced without the specific details, and in some instances, well-known features or processes have not been described in detail herein in order to facilitate an understanding of the present invention.

An open financial service platform based on internet and its method are described in the following exemplary application flow of fig. 1:

the user login means that the user needs to log in and register when starting to use the open financial service platform so that the platform system can provide better personalized services, and for general browsing guests, the user can see various financial products and financial science and technology services which can be provided for the user by the platform system device without logging in and registering.

The input requirement refers to a financial service requirement selected or input by a user on a platform terminal interface.

The intelligent servo refers to a data algorithm processing process performed by an open financial service platform according to user requirements, and generally includes performing function classification positioning, requirement analysis, financial business service matching, effective link establishment, user request function service completion and the like on the user requirements. For general information consultation or financial science and technology information intermediary service, business requirement processing can be completed on the platform, and if the operation behavior of financial transaction type is required, the operation behavior needs to be completed by entering a special service system of a financial institution.

The output result refers to a display result or an operation result given by the platform system device according to the requirement input by the user. The output result can be the information data processing result given by the platform or the operation result prompt given by the financial service special system device. For example, it may be a financial service information guide or a bank account transaction result information.

An open financial services platform based on internet and its method are described with reference to the schematic diagram of application program interface API in fig. 2:

the requirement analysis is to analyze and judge the requirement made by the user, analyze and judge the content system device according to the requirement selected or input by the user, and give the most suitable response.

The term "do financial transaction" means that the platform system device further determines the requirements of the user, and if the financial transaction is to be performed, the identity of the user needs to be further confirmed or authenticated, and all financial transaction lines are subject to the laws and regulations of the financial management institution.

"qualified client" means that if the user selects or inputs that financial transaction is to be performed, the system device performs further identity confirmation or authentication on the client (user) and determines whether the client is a qualified user, if so, performs service meeting the client requirement of the user, otherwise, outputs the result to inform the user that no transaction can be performed or further communication interaction is required.

The butt-joint transaction system means that if the client is qualified, the platform system device automatically guides the client to the most suitable financial service subsystem, and the client carries out transaction behaviors such as further actual operation and the like in the financial service subsystem to complete financial transaction behavior activities and obtain a desired result.

The information service subsystem is used for guiding or entering a financial technology information service system for a user platform system device which does not perform financial transactions according to user requirements, and providing the desired financial technology information service for users. The financial transaction referred to herein generally refers to a financial transaction activity requiring a financial license plate or financial certification.

The output result refers to a display result or an operation result given by the platform system device according to the requirement input by the user. The output result can be the information data processing result given by the platform or the operation result prompt given by the financial service special system device.

An open financial service platform based on internet and method thereof, the accompanying figure 3 is an illustration of a schematic diagram of the platform:

the user refers to all users on the open financial service platform.

The application program interface API refers to the specialized computer application program code and executable programmable program code means unique to the present invention for linking and directing the customer (user) with the financial services system means. The system device is a key part of the system device, wherein the application program interface API can be a computer programming language such as C + + and the like, and can also be computer application program development tool software, and in short, the user requirement function is realized to be in butt joint with the financial science and technology service system through the application program interface API, so that the financial service business requirement is completed. Aiming at different requirements of users, the application program interface data are also different, the system device fully considers the possible requirements of the users on the Internet, and establishes an application program algorithm processing system by taking safety, rapidness, convenience and accuracy as targets to meet various requirements of the users.

The algorithm model is a computer algorithm processing model and a method which are constructed according to the user requirements and the characteristics of financial business services, the algorithm model has various types and has a learning function, and the algorithm model needs to be continuously learned and perfected so as to meet the requirements of users on safety, rapidness, convenience and accuracy. The algorithm model sometimes requires a database, a security authentication system device, and the like to be called.

The database comprises a user database, a financial product database, a financial science and technology service database, a financial service professional organization database and the like.

The security authentication system is used for performing security authentication on a client on the platform, performing authentication on a financial service institution on the platform and the like, the platform refuses to provide services for illegal users and refusing illegal financial service behavior activities, and the platform performs services such as security and qualification authentication and the like through being linked with a financial related management institution organization system, so that financial risk behavior activities can be effectively managed and prevented.

The service subsystem refers to special financial science and technology service system devices such as various financial service systems and financial service tools provided on a platform, and is called as a platform service subsystem.

An open financial service platform based on internet and its method are described in figure 4 system service function schematic diagram:

the banking refers to banking services provided for users on an open financial service platform, and comprises traditional banking services, new bank derivative service services and innovative service services which are performed by utilizing the internet.

The securities refer to security business services provided for users on an open financial service platform, and comprise various security businesses, new security industry derivative business services and new security industry innovative business services which are performed by utilizing the Internet.

Insurance refers to insurance business services provided for users on an open financial service platform by banks, and comprises traditional insurance business, new insurance derivative service and insurance innovation business services which are carried out by utilizing the Internet.

The new finance refers to various new financial business services provided for users on an open financial service platform, including cross-border financial business and new financial derivative business, new financial science and technology services, financial tool and other innovative business services performed by using the internet.

Financial management refers to financial services and business management activities and the like performed by financial management departments or institutions and financial industry management social organizations by using the internet, and comprises financial behavior management, personnel management, institution management, market management, risk prevention reminding and the like.

Credit service refers to credit investigation service and credit service activities performed on the internet, including enterprise credit investigation, personal credit investigation, credit assessment service, and risk assessment service.

The account service refers to a service related to a bank account performed on the internet, and includes bank account management, a payment service using the bank account, a financial service for performing financial transactions depending on the bank account, and the like.

The financial technology refers to all technical means and technical services related to financial business developed by using internet technology, and comprises financial business payment tools, financial business acceptance environments, financial technology system devices and all financial technology innovation service means. The financial technology includes internet financial business services, but is not limited to internet services, and also includes offline financial technology services.

It should be noted that the end users referred to in the present invention refer to all users using the platform, including PC users, mobile terminal users, mobile phone users, or other financial users.

The network device refers to an internet network communication device used by a platform, and comprises network devices such as a router, a switch, a hub, 4G and 5G.

A server refers to a data processing system server used by a platform.

The financial technology service API refers to an application programming interface used by a financial technology service platform.

The application subsystem refers to various financial business service systems and special application systems provided on a platform.

The transaction operation refers to the operation behavior of a user on the platform according to the prompt of a user interface.

The technology used by the invention mainly comprises the following steps: the internet, databases, intelligent engines, security management, Application Programming Interfaces (APIs), etc.,

the technical scheme and the specific method implemented by the invention comprise the following steps:

the technical network technology used by the invention is the basis of the platform, the network mainly solves the problems of communication exchange and data transmission between the user and the financial service provider,

the technology used may employ mobile wireless networks and terrestrial wired transmission networks.

The used technology database technology mainly solves the problems of data storage and data management, and the database mainly adopts Mysql.

The used technology intelligent engine mainly utilizes the internet website management and intelligent search engine technology to guide and establish link service for customer requirements and financial services, and links the customer with a financial service system through an interface program.

For example, CMS technology, an intelligent website management system, is used.

The security management mainly refers to management of users, data, equipment and the like on a platform, hierarchical management and authorization management of various users, hash algorithm encryption of data, access authority management, data backup, data recovery and the like.

The application program interface is used for docking an application system and a service system on a platform, and according to the function and business requirements of open financial services, the application program interface is developed and completed to meet various application program interfaces of a user so as to complete various financial service requirements of the user, and mainly adopts development tools such as JS, PHP, Dreamwavever, CMS and the like.

It should be noted that for various transaction service requests provided by the user, the system automatically guides the customer to the corresponding financial service subsystem to complete the transaction, for the specific financial service request provided by the customer, the system automatically performs matching docking according to the user requirement, and preferably selects the most suitable financial service subsystem to perform service, and all the financial services provided to the customer are the application service subsystems preferably selected through algorithm model calculation processing.

The platform integrates a large number of mature financial service tools and application subsystems, and the financial service subsystem preferred by the platform is a professional organization with corresponding financial service license plates and financial service qualifications, and recommends the latest, advanced and safest technical service means and application systems as far as possible.

Meanwhile, intelligent analysis and intelligent servo are carried out on the client through a data model and an algorithm, so that the best and most suitable service is provided for the client.

In the system application, the technical means adopts the current relatively mature system development tools and software technology as much as possible.

For example, in the application environment of the terminal user, the traditional fixed terminal application environment and the mobile terminal application environment are designed, so as to meet the requirements of different users,

therefore, wap (wireless Application protocol) wireless Application protocols are used in system development.

In the application program interface API design, aiming at the application program interface system compiled by the Internet financial science and technology service platform, programming tool software of HPH and Web API is adopted,

the database employs Mysql et al,

and data processing is carried out by adopting a Hash algorithm in the data encryption.

In an actual application scenario, the technical scheme is not limited to a development software tool, and can be selected for use according to the own characteristics of application system designers, so long as the requirements of a service platform are met.

We utilize as sophisticated software tools and techniques as possible in system applications,

the techniques used herein are complex for programmers and many techniques are available to implement these application program interface functions.

The platform system can be suitable for environments such as Linux/windows/Unix and the like.

The system also adopts the function of a system module, the user can directly expand the service in the background and realize the butt joint with various application systems,

the system adopts multi-level user authority classification, distributes different management authorities to users with different authorities,

the system adopts a user log and operation log management algorithm,

the system also adopts the safety verification key and the dynamic key management, so that the system content is more independent and safer.

It should be noted that the invention only constructs an open platform for financial technology application services, the platform mainly functions as an application program interface,

all functions of financial transaction, transaction operation management and the like of the financial science and technology service application system on the platform are provided by application service functions of professional organizations with financial professional qualifications, the platform mainly plays a role in guiding and linking, and meanwhile, the platform completes the butt joint of an application scene and the service system through user demand management and financial science and technology service function management.

Many specific transactions and related operations management are performed by the corresponding facilitator subsystem.

The safety certification and safety protection of various service functions are completed by the service provider or financial business institution on the platform.

In principle, the platform only provides a service application system interface and financial information service, and does not provide specific financial transaction operation service.

The invention is characterized in that: the platform is a linker of a service system device of a user and a financial professional institution, and is a contact platform between the financial service institution and an entity economic demand unit or an individual;

through the platform, users can respectively obtain the required information, communicate with each other and exchange information, and trade or provide services in a special financial science and technology service system under the condition that the information accords with the respective conditions.

The platform is a new financial service mode, can be copied to other places to perform regional financial scientific and technological services, and can also be popularized and applied as a national financial scientific and technological service platform.

The platform mode is a financial science and technology service system mode on the internet, but is not limited to financial science and technology services, and can also be popularized and applied to the service fields of other industries.

The open financial service is an internet financial service ecosystem which integrates banking, securities, insurance, cross-border financial and new financial services and financial technology services, all financial services which can provide services on the internet can be displayed and docked on a platform, and the open financial service is not limited to banking, securities and insurance services, also comprises new financial services supported by financial technology and is open on the internet.

The difference between the open financial service platform and the traditional internet website and financial business service system is the professional characteristics of open financial service on the internet and the universality of financial business;

the professional characteristics mean that the services mainly provided by the platform are financial services on the Internet (including online financial business services and financial science and technology innovation services);

the financial business universality means that the platform comprises all banks, securities, insurance, third parties, new finance, cross-border finance, financial management, financial science and technology services and the like, the financial services can be connected through the platform, and users with authority can directly perform application operation on corresponding financial business service subsystems through the platform so as to meet the requirements of customers.

It is necessary to state that all service providers should be qualified or licensed accordingly.

All participants on the platform should assume corresponding responsibility and obligations for the financial activity and activities performed on the platform.

The platform adopts a development mode of 'open integration, networking universality, joint development and co-construction sharing', and a platform manager (such as an industry association) is mainly responsible for operation management and maintenance of normal operation of the platform system and promotes the healthy development of the Internet financial industry.

Due to the special action of the industry association, the development of the internet financial business can be promoted through the platform, the action and the enthusiasm of a professional organization can be fully mobilized and exerted, the foundation and the direction of the platform development can be laid, and the cross-industry and cross-border development can be realized.

Generally, other financial institutions or managers do not have these features according to the current financial management division.

the platform can also be used for monitoring, exposing and prompting the behaviors and activities of Internet financial violation illegal mechanisms to construct a good financial service environment and a good social credit system foundation;

the platform of the invention can explore a new financial supervision method and a new technical service means in the 'Internet +' environment.

The platform is a service platform, a management platform and a monitoring platform.

The key elements of platform construction are: internet + bank account + credit system.

The main components of the platform service are as follows: bank, securities, insurance, third party payments, new finance, cross-border finance, financial management, financial technology, and the like.

The application case of the invention is applied to the trial point application of the Internet financial association, and can also be popularized and applied to various national financial industry associations (trade parties) and social organizations, and the invention can also be popularized and applied to the financial management institutions such as the central bank and the bank protection supervision;

the platform can promote the healthy development of the industry to the Internet and actions.

The financial management institution utilizes the platform to effectively monitor, manage and serve, the financial institutions utilize the platform to carry out product marketing, financial service and scientific and technological innovation service, common customers (common people) can utilize the platform to carry out financial service information inquiry and high-quality service selection so as to meet various financial service requirements,

by utilizing the platform to enjoy the latest financial technology services, the operation management organization (such as industry association or trade association or management organization) of the platform can share the latest financial technology services and innovation achievements which are best opened by members and industries to the society.

Similarly, other organizations can also use the system and the method of the invention to carry out practical activities such as 'internet + action' for developing scientific and technical services, management, popularization and application on the internet.

The technology of the invention comprises the following steps: the system comprises a user interface, a user database, an organization database, a behavior activity database, an account management database, a credit database, a security processing unit, a financial authentication management system, a statistical analysis reporting system and the like.

The present invention uses polymerization techniques, which may be utilized are: distributed storage, cloud computing technology, big data, security protection, disaster recovery technology, network terminal technology, 5G technology, biological identification technology, synthetic algorithm technology, artificial intelligence technology, financial system engineering, supply chain management, application programs and the like.

The platform provides the best and most suitable service for the user by aggregating various specialized technical specialties of various service organizations, and meanwhile, the user can select the financial products and the service which are most suitable for the user. It is a polymerization system and technical method of multi-element fusion.

The platform is an open brand-new financial service, and can use the Internet to make all financial services, including traditional financial services such as banks, securities and insurance, emerging financial services such as third-party payment, account service related to Internet finance, credit system service and the like, and applications such as information statistics, financial supervision, risk prevention and industrial behavior regulation required by a management institution.

The platform is only an intermediary, provides client resources for financial institutions and provides online financial services for clients; the platform provides convenience for business service and provides scenes for technical service; the platform provides safe and reliable financial science and technology services for individuals and professional and comprehensive financial science and technology services for organizations. And an open new financial ecological environment is constructed for the society.

The platform can also be said to be a connector and an information exchange of a financial business system and a technical service system.

The key technology of the platform is API, the integration and communication of the financial service system and the user requirements are realized through the API, the API of the platform is not only a simple application interface program, but also a service application system programmable interface processing system integrating a user interface, a database, safety management, encryption algorithm processing, statistical analysis, supply chain management and the like.

The technical tools of the applied programmable interfaces are different according to different business system requirements

The platform users of the invention mainly have three types: one is a common user of the social public, and the user can know the service content of the financial science and technology service platform through the platform and can select and use the service suitable for the user;

the second is a platform service provider (including financial institutions and financial science and technology service enterprises), and the users mainly provide financial products and science and technology services and provide specialized financial services for general users through the platform;

the third user is a financial institution manager, and the users mainly utilize the platform to perform internet financial management, monitoring and information service, monitor, manage and collect information of internet financial business behaviors through the platform, and simultaneously utilize the platform to perform industry self-discipline propaganda and guidance.

The management and usage authorization on the platform are different according to the user types.

The ordinary user generally only needs to log in to surf the internet, browse on the platform and select a proper application system, and the operations of identity confirmation, password verification and the like are performed according to the user requirements when specific transactions are performed.

For the service business users to perform identity authentication and qualification confirmation, only compliant users or organizations can perform relevant operations and enter relevant systems for operation, and the platform needs to manage and record the relevant operations of the users.

The management user needs to be subjected to identity authentication, operation authorization, login management and the like, and the authenticity, authorized use and the like of the user are ensured.

All user operations and system usage are performed in a platform-dependent management approach.

The invention takes financial science and technology services and financial products as a commodity to be traded or processed;

the platform is like a supermarket, all financial and scientific services and products are exchanged or traded on a financial and scientific service platform line, and the platform is different from the traditional supermarket in that the platform does not directly trade;

the platform only provides information of transaction service information and manages participants and service mechanisms on the platform, and the platform plays a role of intermediary, wherein the platform is mainly responsible for wire-drawing bridging and carrying out appropriate monitoring and management on the behaviors of transaction objects on the platform.

The platform is also a link of virtual economy and physical economy.

The open financial science and technology service platform is a financial service platform cooperated by multiple parties, and not only are financial institutions holding cards on the platform, but also financial science and technology service enterprises and financial acceptance environment scene providers.

For example, the financial scientific and technological service products and technical applications of the BATH (Baidu, Ali, Tencent, Hua Shi), the Baidu search engine technology, the Ali cloud technology service, WeChat payment means of Tencent, Hua Shi 5G technology, intelligent recognition technology, mobile terminal technology, science and news intelligent voice service system and the like can be applied to an open financial service platform, and most new financial scientific and technological service technologies provide services for the society through financial application scenes;

the best technology and service of the current financial science and technology service is displayed to people as much as possible through the platform, and the most specialized service is provided for users through the intermediary and the link of the platform to provide safe and reliable financial science and technology application and service.

The purpose of the platform is to ensure that the financial technology service provider providing the service is authentic, and is a financial technology service enterprise registered in the platform, or has a certificate or successful financial application case related to the financial technology service.

The platform is an open financial service organization alliance platform, the open is that the platform is open to all card-holding financial institutions, financial science and technology service professional institutions and related enterprises, individual financial service enterprises are not limited, and as long as the financial service enterprises capable of providing good services can be added into the platform, it needs to be stated here that financial products and transaction services can be provided only by institutions with financial business licensing qualifications.

The financial service enterprise comprises a card-holding financial institution, a non-card-holding financial science and technology service system provider and a financial acceptance environment scene provider.

The invention discloses a social organization alliance service platform, which is a financial business and technical service platform,

the platform receives supervision, management and guidance of the industry regulation system of the national laws and regulations, and strives to maintain and implement the national laws and regulations policy and the industry self-discipline requirement,

financial activities and behaviors performed on the Internet can be guided and monitored through the platform, compliance legal activities are popularized, and some illegal financial activities are monitored, exposed and attacked.

For ease of understanding, the platform is here briefly described as having the following features:

the core is as follows: platform + algorithm + cloud distribution;

the method is characterized in that: finance + service + technology + internet;

gathering: service + technology + scenario;

polymerization: network + information + security + algorithm;

and (3) cross-boundary: finance + science + service;

the new state is as follows: internet + intelligence + alliance;

cross-specialty: service + technology + management;

and (3) architecture: the method comprises the steps of Internet, distributed application, a cross-border system and a platform;

The open financial service platform realizes the connection of finance and life scenes by connecting a user with a payment system and a financial service system through an Application Program Interface (API) and other connection modes.

The technical core API of the open financial services platform is essentially a set of predefined functions and algorithms that are intended to give developers the ability to access a set of routines based on certain software or hardware and without accessing the source code or understanding the details of the internal working mechanisms.

In the invention, the API plays a role of a 'bridge tie' between a supplier and a demander.

The enterprise/individual serving as a supplier can open the specific technical service of the enterprise/individual in the form of API (application programming interface) for the enterprise/individual of a demand side to call an interface according to the parameters, so that different technologies are mutually linked on the basis of business logic and data, and the aims of data circulation and sharing are finally fulfilled.

The invention uses the aggregation technology, and the utilized technologies comprise an internet technology, a network terminal technology, a biological identification technology, a synthetic algorithm technology, a big data technology, an artificial intelligence technology, an application program technology and a financial science and technology system engineering technology.

The method is a multi-element fusion polymerization system and a multi-element fusion technology method, and with the development of internet technology, new technical standards such as 5G, IPV6 and the like can be popularized and applied in the invention.

The technology of the invention comprises the following steps: user interface (platform, including mobile APP and fixed application terminal interface), user database, organization database, behavior activity database, account management database, credit database, security processing unit, financial certification management system, supply chain management, statistical analysis reporting system, etc., each technical component is realized by algorithm, application software and system device.

The platform of the invention can apply scenes and service objects, including: the system comprises a general financial client, a financial institution, a financial science and technology service enterprise, a financial business management department, an industry association social organization and the like, and is an open platform, a general financial service platform, an information service platform and a financial behavior supervision service platform.

Specifically, the technical scheme of the invention is mainly realized by adopting a computer network technology, a database system development tool, a safety protection technology, an intelligent search engine and application program interface API software technology and algorithm processing.

The platform system device, the method and the management mechanism can be used as a regional industry behavior management standard and specification, and can be gradually improved although the regional industry behavior management standard and specification may not be complete or comprehensive.

For information records such as registration and registration of financial products and services, the national standard is adopted, the industry standard is adopted as far as possible without the national standard, if no relevant standard exists, the information record format defined by the user is adopted for design, the national and industry relevant standards are referred as far as possible, and the industry standard refers to the national legal standards and industry guidance suggestions.

The methods, apparatus (system devices) and computer programs of various embodiments of the present invention, and specific applications, may implement any combination of conventional procedural programming languages, including one or more programming languages, including an object oriented programming language such as Java, C + +, and software tools such as CMS website management tool software or similar programming languages, to perform computer program code for performing operations for carrying out various aspects of the present invention.

The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer or terminal device and partly on a remote computer or entirely on the remote computer or server.

There are depicted as flow diagrams or block diagrams of methods, apparatus (system devices), and computer program products, according to the present invention, in which each step of the flow diagrams or block diagrams is implemented by computer program instructions. And these computer program instructions may be provided to a processor of a computer 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 and/or block diagram block or blocks.

The present invention is not limited to the embodiments, and various changes in form and details may be made therein by one skilled in the art without departing from the spirit and scope of the invention.

The specific embodiments described in the present invention are only examples of the present invention, and are not intended to limit the scope of the present invention, and all technical solutions and methods similar or identical to the present invention should fall within the technical scope of the present invention.

The techniques, shapes, and configurations not described in detail in the present invention should be known in the art.

Claims

1. The invention discloses an open financial service platform (system device) and method based on internet, which provides a brand-new financial service platform (system device) by developing and constructing a platform system device and method, and is characterized by comprising the following steps:

the system apparatus, methods and computer programs of the various embodiments of the present invention, as embodied in application program code, may implement any combination of conventional procedural programming languages, including one or more programming languages, including an object oriented programming language such as Java, C + +, and software tools such as website management tool software or similar programming languages, to perform the operations of the various aspects of the present invention;

the program code may execute entirely on the user's computer, partly on the user's terminal device, as a stand-alone software package, partly on the user's computer and partly on a remote computer or distributed entirely on the remote computer or server;

in the case of a remote computer or server, the remote computer may be connected to the user's computer through any type of network, including a local or wide area network, or the connection may be made to an external computer (for example, through the Internet using an Internet service provider;

disclosed herein are flowcharts or block diagrams of methods, apparatuses (system devices), and computer program products according to the present invention, each step in the flowcharts or block diagrams being implemented by computer program instructions. And which may be provided to a processor of a computer or other programmable data processing apparatus, the instructions being executable by the processor of the computer or other programmable data processing apparatus to cause a means for implementing the functions specified in the flowchart 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 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 or block diagram block or blocks;

embodiments of the present invention may be provided as a method, system device (platform), or computer terminal device, and thus, may take the form of an embodiment combining software and hardware aspects and a computer program system embodied on one or more computers or terminal devices including program code for execution by the computers.

2. The method as described in claim 1, the financial technology service Application Programming Interface API (Application Programming Interface) is the key technology of the system device (platform) of the present invention, and the integration and communication between the financial business system and the user's requirements are realized through the API, the API of the platform of the present invention is not only a simple Application Interface program, but also a business Application system programmable Interface processing system integrating user Interface, database, security management, cryptographic algorithm processing, statistical analysis, etc., and the technical tools of the applied programmable interfaces are different according to the business system requirements.

3. The method as described in claim 1, wherein the financial technology function is aggregated, which means that the present invention uses an aggregation technology, and the technologies used include internet technology, network terminal technology, biometric technology, synthetic algorithm technology, big data technology, artificial intelligence technology, and financial technology system engineering technology, which is a multi-element aggregation system and technical method, and the platform can provide the latest financial products and services, the latest financial technology innovation services, and can query all financial institutions with financial licenses and all authenticated financial institutions on the platform, and the platform also aggregates technical service companies with financial technology services and successful application cases for providing services in financial systems.

4. The method as described in claim 1, providing all-round internet financial services, which means that the platform is a financial information service platform, a financial management information platform, a financial science and technology service display platform, a bridge of financial service system, or a financial propaganda platform, and the platform can link all internet financial institutions and internet financial services together through the link of internet financial technology, providing all-round financial services, including product service, management service, supervision service and financial science and technology information service.

5. The method, which is the function of opening financial services according to claim 1, means that the main application systems of the present invention include banks, securities, insurance, but not limited to the traditional financial businesses and institutions, and more particularly to the financial institutions and their financial activities for developing financial businesses by using internet technology, the platform is an open and new financial service, the financial services can be provided by using the Internet, the traditional financial services such as banks, securities and insurance, the emerging financial services such as third-party payment, account services related to Internet finance, credit system services and the like, and the applications such as information statistics, financial supervision, risk prevention, industry behavior specifications and the like required by a management institution, all financial services capable of being served on the Internet can be displayed and served on a platform, and the former problem is that the financial services are opened by compliance.

6. The method as described in claim 1, the platform provides a new financial supervision mode, which manages the most core bank account and credit of finance by using the internet to build the bridge and link of financial science and technology service, so as to effectively supervise and manage the financial business and financial behavior activity and financial innovation business.

7. The method as described in claim 1, manages all the substantial financial behavior activities, avoids financial supervision loopholes and blanks caused by the lag of financial supervision activities as much as possible, guides the customers to utilize financial products and financial services provided by regular financial service organizations by providing compliant financial science and technology service products, acceptance environment tools and the like, and the platform also has the functions of monitoring and exposing behaviors of internet financial violation illegal institutions, so as to do actual works for constructing good financial service environments and good social credit systems, and can explore new methods and new technical means of financial supervision under the environment of internet big development through the platform.

8. The method as described in claim 1, wherein the major application systems include banks, securities, insurance, but not limited to these traditional financial services and institutions, and also include financial institutions for conducting financial services using internet technology and their financial activities, as long as the activities of using bank accounts via internet or conducting financial credit token activities on line via internet should be included in the scope of monitoring and management of the platform of the present invention, which is essentially an online monitoring and management platform (system device) for bank accounts and credit token activities, all the compliance financial activities should be registered and recorded, and data information is reported, and the services are conducted according to the requirements and law regulations of the financial service management department, the internet financial activities without registration are monitored and information is prompted, and the references of the financial supervision department are reported, and meanwhile, the Internet financial business is developed to conduct business guidance and industry self-discipline standard management.

9. The method as claimed in claim 1, wherein the financial services means are an internet-based open financial services platform (system device) and the method thereof, which is also called financial services platform (system device). The platform is a service platform, a management platform and a monitoring platform, and key elements of the platform are as follows: internet + bank account + credit system, the main component of platform has: the invention relates to an open financial service platform (system device) based on internet and a method thereof, in particular to an open financial service platform (system device) based on internet, which provides an open financial business service system bridge and a link, provides a series of financial product services and tool services of financial science and technology innovation through various card-holding financial institutions on the platform, and also provides a safe and reliable internet financial acceptance environment background service device.

10. The method as claimed in claim 1, wherein the encryption algorithm and the synthesis technology are adopted, and the method refers to a multi-element fusion aggregation system and a technical method for the platform, such as internet technology, network terminal technology, biological recognition technology, synthesis algorithm technology, big data technology, artificial intelligence technology, financial technology, system engineering technology and the like, and the technical composition in the implementation case is as follows: user interface (platform, including mobile APP and fixed application terminal interface), user database, organization database, behavioral activity database, account management database, credit database, security processing unit device, financial certification management system, statistical analysis reporting system, etc.

11. The method as claimed in claim 1, wherein the invention provides concepts of a pan-finance product, a pan-finance service, a pan-finance asset management, a pan-finance supermarket and the like, wherein the pan-finance product comprises a new finance product and an internet finance derivative product besides a traditional finance product, the pan-finance service comprises a traditional finance service and a new internet finance science and technology service, the pan-finance asset management comprises the steps of performing asset management on the traditional finance asset and the new finance science and technology service as a finance asset, performing overall management on the new internet finance product, service, asset and the like through the pan-finance concept, and actually, along with the development of internet finance business, sometimes the financial product, service, asset and the like on the internet are difficult to distinguish sometimes, so that the pan-finance supermarket concept is provided, and the pan-finance supermarket is a concept of all finance products, services and the like, Assets are managed and sold as financial commodities and are popularized and applied through a financial science and technology service platform device.

12. The method as described in claim 1, the invention provides internet finance ecology, which means that all financial institutions, personnel, businesses and financial acceptance environments related to the internet can inquire or guide all compliant internet finance practitioners and most businesses including financial services, management, supervision and other financial ecological entities through an internet finance scientific and technological service platform device, and also relates to an internet finance ecology supply chain, namely, the financial institutions providing various financial services and related financial scientific and technological service devices, and the supply chain is provided with financial card holding institutions and non-card holding institutions providing financial scientific and technological services, and an internet finance ecology supply chain is jointly constructed on the platform.

13. The method as described in claim 1, fully utilizes and exerts the function of artificial intelligence, the user can use the automatic biological identification technology of artificial intelligence to automatically identify and log in the user by login and registration, the platform (system device) can provide various financial services for the client according to the user's requirement, the financial services provided by each supplier which can meet the client's requirement are selected for the client by using artificial intelligence, the client can communicate with the system by artificial intelligence on the platform, the platform provides services for the client by the artificial intelligence servo system, provides corresponding services or solutions according to the client's requirement, various products of each internet financial institution and the internet financial science and technology service device provide corresponding services for the client, the platform guides the client to complete the internet financial requirement work, what needs to be explained is to ensure the platform to be publicly and sustainably developed, the platform in the invention is only used as an intermediary service system and does not perform financial transactions, and all financial transactions provided for customers are performed in corresponding financial special systems, so that the platform is also only an internet financial comprehensive information service system device.

14. The method as described in claim 1, wherein the supply chain management and design is used, the supply chain management method is used to effectively manage all financial products and financial technology service devices, financial technology innovation services are provided around the user requirements, an API intermediate service platform is provided from the financial products and services, the financial products and financial technology service derivatives are delivered to the user through the open financial technology service platform on the Internet, and the financial product enterprises, service providers, manufacturers, distributors and end users are connected into an integral functional network chain structure, thereby realizing the maximization of the financial technology service benefits.

15. The method as described in claim 1, the invention innovatively utilizes the internet to manage bank accounts and credit, through the behavior supervision of bank account operation on the internet and the supervision of financial business behavior activities on the internet by credit, including data information acquisition, transaction operation and the like, all substantial financial behaviors are monitored and managed, financial supervision loopholes and blanks caused by the lagged financial supervision actions are avoided as much as possible, and simultaneously, through providing compliant financial science and technology service products, good acceptance environment tools and the like, customers are guided to utilize financial products and financial services provided by regular financial service organizations, and the behaviors and activities of internet financial illegal violation organizations are monitored and exposed by platforms, so that a good financial service environment and a good social credit system foundation are constructed.

16. The method as described in claim 1, which uses the platform to realize the organic combination of financial business, financial service tools and financial service scenes, uses the internet technology to construct financial clients, financial service organization and related financial acceptance environment on a platform, and uses the financial business service, specialized service, new technical tools and client resources to jointly construct new financial ecological environment, so that various social clients can share the safe, efficient and convenient services of new technology, new business and new state, the platform registers all users and organizations providing financial services, registers all transaction products and financial technology services as assets and processes informationized, so that these financial products and services become traceable commodities, and the open financial service platform will be driven by API architecture to integrate scene finance into the internet ecology, the method forms instant cross-boundary service around the requirements and experiences of customers, shapes a brand-new financial business mode, and connects finance with various industries to form an open sharing and co-construction win-win ecological circle.