CN107220767A - A kind of resource sharing system under virtual resources pool environment - Google Patents
A kind of resource sharing system under virtual resources pool environment Download PDFInfo
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Abstract
The invention discloses the resource sharing system under a kind of virtual resources pool environment, including：Server, server is integrated various resources that can be in range of management, forms virtual resources pond；At least one shared self-service terminal, shares self-service terminal and credit classification is carried out to user, and be classified according to credit for the corresponding authority distribution of resource progress in virtual resources pond；And, at least one service initiating equipment associated with user, service initiating equipment is used to store user profile, and shares request to what server initiated to ask the sharing request of resource or issue resource；Using the resource sharing system under the virtual resources pool environment of above technical scheme, fundamentally think deeply again and design existing operation flow, being absorbed in improves the overall experience of client, more controls are placed in client's hand, so as under the double shield of technology and system, basis i.e. service, platform are that service, software services and progressively evolves to shared i.e. service.
Description
Technical field
The present invention relates to network service system, the resource sharing system under more particularly to a kind of virtual resources pool environment.
Background technology
Future, the target of financial development is to practice the theory of general favour finance, allows more people coequally to enjoy finance
Service.As internet, cloud computing, big data turn into commercial infrastructure of new generation, the infrastructure of financial service is
Change, unprecedented technology bonus will promote financial industry to enter the stage developed rapidly.Therefore, I thinks, following silver
Row will enter the New Times of " shared+intelligence ".This is both the theory for practicing general favour finance, is also to realize that business bank is sustainable
What is developed answers You Zhi roads.
Shared economy is based on information technology, to pass through big data, cloud computing, broadband network and mobile intelligent terminal etc.
The fusion of technology, a kind of brand-new form expedited the emergence of out.It is substantially a kind of new property transaction systems, changes me
Traditionally focus on " possessing ", the Core Concept such as " property right ", then emphasize " use " " trust " " cooperation " " shared " " people's ginseng
With " etc. theory.
Three problems can be solved with shared theory：One is reduction social collecting funds cost；Two be that slack resources are adjusted
Move up；Three be to realize to share by rational Profit Distributing Mechanism.The background of transaction cost is greatly reduced in Internet technology
Under, some have the traditional field of high transaction cost feature, it will the constraint of information asymmetry is broken through by Internet technology,
Transaction cost is reduced, the judicial convenience pursued profits is realized.Shared economic model common at present is that one kind is referred to as internet lease warp
The emerging pattern of Ji, i.e., realize the transaction of the direct slack resources right to use between individual by internet third party platform, this
Matter is the temporary separation of the right of possession corporeal right and the right to use, emphasizes the temporary transfer of the right to use, wherein most representational case or
Pattern is the shared model that Uber, Airbnb, one of the chief characters in "Pilgrimage To The West" who was supposedly incarnated through the spirit of pig, a symbol of man's cupidity's net, LendingClub etc. are representative.
For business bank, on the one hand, with the development of generation information technology, traditional intermediary or place
It is possible to change, the specific intermediary, financing agency function of paying of traditional commerce bank also can slowly weaken.Future,
The service of bank will turn into all users " shared infrastructure ", and the concept of " everybody is bank " will be realized.Bank must
The information intermediary function upgrading to similar Uber, Airbnb, black foot and succedaneum as financing transaction, for transaction must be transferred
Both sides provide information and value-added service.The present information skill that the supply and demand individual of financial resources directly can be built by business bank
Art shared platform, realizes the direct dealing of financial resources and service, really realizes the fusion of finance and shares.On the other hand, from
From the point of view of financial service availability, with the utilization of a large amount of emerging technologies, financial service is also no longer a few high-end client
Patent, a large amount of small micro- clients and grass roots client can also obtain more easily financial service, realize the shared and finance of financial service
Pu Hui, with shared economic theory also specific uniformity.In the past, it is limited by the limitation of data and risk management ability, commercial silver
Row can only more concern large enterprises, large project, ignore small micro- and grass roots, cause the high threshold of financial service, low-income group and weak
Gesture colony is not completely covered etc..But the next generation internet such as big data, cloud computing, mobile Internet technology is just silent in creep
Change ground and change this general layout.With the raising and the lifting of data analysis capabilities of data availability, business bank can carry
The ability of excessive risk management, financial service is provided for that can not obtain the clients of credit before more, improve customer service experience with
Efficiency.
From the point of view of the Experience in Development in developed country and area, the combination of business bank and new technology is also an iterative method
Process.First stage is under the framework of traditional commerce bank, using Internet technology development based on entity branch
Inter-bank integrated service.Second stage is that the operation system and flow of bank are further transformed using Internet technology, breaks entity
Branch's system, bank product and service are unified among a series of flows.At present, the phase III is marched toward, i.e., using big
The emerging technologies such as data, cloud computing, mobile Internet, Internet of Things, artificial intelligence, block chain, the fortune of modernization overlay business bank
Operation mode.The wisdom of humanity is superimposed by machine intelligence, intelligence, wisdom feature is embodied.
Following artificial intelligence technology will be in financial product, services channels, method of service, risk management, credit financing, investment
The fields such as decision-making, promote business bank to implement the major transformation of a new round.Artificial intelligence can be used for services client in front end,
Middle can be used for wind to providing intensive decision support in terms of credit risk management, financial transaction, performance analysis on backstage
Dangerous prevention and control and dynamic monitoring.In this context, artificial intelligence will significantly change the existing general layout of financial industry, make financial service more
Plus facilitation, customization and intellectuality.For example, the U.S. intelligently throw Gu Pingtai by artificial intelligence technology realize quick identification,
The function of user is screened, more flexible and efficient user interface is built by internet and mobile terminal device, and then provide individual
Property, differentiation and innovative finance and money management product mix and pertinent value added services, can increase customer satisfaction degree conscientiously.
In this context, bank is intelligent all important as financial institution in fields such as product, service, channel, management
Development trend, all kinds of innovation modes for turning to prominent features with intelligence are continued to bring out.Financial institution throws in network loan, robot
The fields such as money consultant, intelligent site, intelligent robot can carry out big data system.
So-called " cloud " refers to cloud computing, big data infrastructure, passes through integrated distributed calculating, parallel processing, network meter
Calculate, be distributed the technologies such as storage, build virtualization, high efficiency, the IT system framework of inexpensive opening and shares, be that low cost uses meter
Calculate resource and open convenience." end " is then the carrier for the various intelligent mode that user directly contacts, including PC, movement
The APP applications that equipment, wearable device, sensor, intelligent equipment or even software form are present.End is the source of data, is also
The interface provided is provided.
By the flat double-deck IT architecture system of " cloud+end ", effectively it can be separated with the pattern of standardization
The IT modules such as IaaS (architecture is service), PaaS (platform is serviced), SaaS (software is serviced), and with open architecture
Perfection linking API (API), service is extended in the broader ecosystem, constantly the shared depth of extension with
Range, and then the opening ecosphere for forming vertical integration, extending laterally, make it possible " to share ".Such as, by hardware and software platform,
The forms such as cloud service, can build for the mechanism of the same trade or business such as Small-Medium Banks and press flow, the sharing service platform of usage amount charging, for
There is provided IaaS (infrastructure is service), PaaS (platform i.e. service, SaaS (software is serviced) etc. for the demand of client's differentiation
Service.
In addition, based on " cloud+end " framework, can by depth integration AI (HI) (artificial intelligence, human intelligence) technology
So that for different clients demand, there is provided the intelligent class-of-service of differentiation (from 1 grade to 7 grades).Such as, bank can be based on mobile phone
Gu system --- " Cai Zhi robots ", it makes common investor also to enjoy more specialized, more efficient intelligence to bank's intelligence throwing
Can treasury management services, progress Wealth management intelligence throwing Gu.It is mainly characterized by using big data analytical technology, according to customer demand
Realize that the combination product of the inter-product classification such as bank financing, fund, noble metal is recommended and merchandised, more agree with client's practical risk
Endurance；Simultaneously, moreover it is possible to realize on line, two-way man-machine interaction service under line, customer capital configuration needs are truly realized, it is one-stop
It is met.For the intelligent treasury management services " intelligence throwing " of ordinary individual investor.Investment preference, the risk partiality of its foundation client
With the key elements such as time limit of managing money matters, automatic screening is simultaneously combined into total fund, and client only needs to press finger one-button-to-buy.These rates
The case first applied, shows the framework based on " cloud+end " technology, can make it possible " share+intelligent " pattern.
At present, business bank does not understand his client really also in fact, and performance is more " product-centered ", without
It is centered on the demand of client.
Traditional bank is manually leading background system, and many decision-makings rely on human brain analysis decision, and there are the following problems：It is first
First, manual analysis efficiency is low, long flow path, it is impossible to adapt to the current real-time high-efficiency decision-making using mass data as analysis object；Secondly,
Manual analysis has time and territory restriction, and backstage decision-maker can not necessarily meet customer need in real time；Finally, manual analysis
With subjectivity, it is impossible to realize the objective making decision of " data-driven ".
Innovate the operation mode of " going to border ".At present, the main body of financial service object just progressively turn to substantial amounts but
The limited minority of monomer demand " long-tail " client.Therefore, shared bank will centered on C-terminal, using client's new demand as standard,
Make on line and cooperate with interactive under line, intersect drainage, many scenes of formation, the O2O value chains of full contact and complete financial eco-environment
Circle.
One is externally, sets up " going to border " services channels of " polynary access, whole response ".First, continue to add
The construction of strong intelligence site, future, the shared intelligent network construction of bank will be the important means of creating super expected customer experience.Intelligence
Energy site is analyzed by setting up the big data on the basis of artificial intelligence, is built " 360 degree " full visual angle customer portrait information, is helped
Shared bank is completed from understanding client, understanding client, insight into customer, to the process of final " control " client, make at any time, everywhere,
The financial service followed one's inclinations really is possibly realized, realize site from settlement of transactions to sales service make the transition paces.Secondly, by new skill
Art means, continue to develop and excavate new digital channel and new Mobile solution, build more displaying service patterns, be client
The online service of displaying is provided.In addition, to improve Consumer's Experience as core, continuing to strengthen on-line off-line channel incorporation, realizing
To O2 again to O3 transformation from O+O to O2O, make comprehensive shared bank and shared bank's external ecology experiences channel.
Two be in terms of inside, to build collaboration interaction, efficient easily service procedure.Fully with big data, cloud computing, area
The intelligent terminal such as the advanced technologies such as block chain and tablet personal computer, is optimized and depth integration to existing operation flow.Break
Boundary between the different business plates such as existing retail trade, service for corporate customers, financial market business, from customer perspective,
The service procedures such as customer relation management, the management of product, risk management are integrated and reproduced, so that it is interactive, high to build collaboration
Easily service procedure is imitated, shortens the response time of client, the financial service demand of client is met in time.
Three be the business model for setting up " digitlization ".In " internet+" epoch, shared bank must accelerate information technology with
Financial business is merged, and is actively pushed forward Digitized Operation, is just avoided that in wave of digitalization and is overturned.To realize Digital Enterprise
This target, has three paths available, including：Marketing and the digitlization of client's channel, operation and the digitlization of flow, industry
The digitlization of business pattern, but first two pattern is more to extend and improve cost-efficient angle from the channel of bank itself to come
Treat digitlization, and the third pattern is more then to go to treat digitlization from customer perspective.
" shared economy " as a kind of new systems and model innovation, to the idea of development and method of service of bank
Bring subversive change.At present, Uber is without an automobile, but as bus service company maximum in the world；Airbnb
It is the hotel management group of a bed useless, but valuation is it is said that already exceed Wanda group；P2P nets, which are borrowed, network crowd raises etc. makes
Private fund surplus obtains quickly " shared ", and the fund both sides of supply and demand of realization are directly matched, as the shared master of fund " surplus "
Form is wanted, the effect of traditional financial intermediary is weakened.Therefore, business bank must build new profit model.
One is from profit is earned to offer Service change.For shared bank, traditional intermediary or place has can
It is able to can change, the specific intermediary, financing agency function of paying of traditional commerce bank also can slowly weaken.Bank must turn
And to similar Uber, Airbnb information intermediary function upgrading, black foot and succedaneum as financing transaction are both parties
Information and value-added service are provided.Such as：Shared bank can be played in business reputation, risk control, fund pipe by internet
Capacity superiority in terms of reason, builds directly investment and financing information service platform, and point-to-point direct throwing is provided for enterprises and individuals
Financing information is issued and the transaction service of brining together.Bank broker development consultation and evaluation, information witness, data processing, platform offer etc.
Intermediary service, from " supplier of financing " to " organizer of financing " transformation, forms the operation mode of light capital.
Two are changed from product thinking to financial eco-environment thinking is built.In order to meet different clients diversification, differentiation gold
Melt demand for services, business bank often promotes Financing Business Innovation in China around putting out a new product, reaching the standard grade new business.But this list
First, the products innovation of scattered formula can not adapt to the Financial Demands of client, it is necessary to by internet equality, openly, the wound such as shared
New thinking pattern incorporates traditional financial form, so as to build brand-new financial eco-environment.Competition between following business bank, will
It is the competition between the ecosphere.From the point of view of the industrial chain angle of the ecosystem, wisdom bank needs constantly carrying out products innovation
While, put forth effort utilize Internet technology and theory, with parent company and subsidiary company, affiliated party and the same trade build full chain, full platform, can
Applied to the financial eco-environment circle of more scenes, provided for users from consuming to paying, to the one-stop finance of Wealth management
Life requirement.At present, BAT (Baidu, Ali, Tengxun) Big Three to search for, electric business, social activity, payment etc. constructed by force for core
The big financial service ecosphere, and the general layout of leading development is formd in internet financial field, by the ecosphere build it is important
Sex expression is obtained incisively and vividly.Future, business bank need to the product in traditional retail bank, corporate finance and financial market and
Business service pattern carries out comprehensive innovation and change, effectively integrates many licence plate advantages, between each corporate organization in group,
Shared client, product intercommunication, system interconnection, inside and outside interactive new frame are formed between each outside partner.
Three be from " egoistic " to " win-win " transformation.In the past, business bank utilized fund advantage, licence plate advantage, and fund is worked as
Make the resource of oneself, earn the money of profit, mainly " profit is ".Future, business bank should use the theory of " shared ", adhere to
" pain spot " thinking, the resource-sharing of oneself to client, comprehensive pain spot solution is provided for client, tries " profit he ", real
Existing benefits-sharing.Client has any idea, has what pain spot, and bank be able to should perceive, and will be by providing low cost
Even the financial service of " free ", is dissolved into the developmental process of client.In future, who can know more about his client, more can be
Client's creation of value, can more meet real economy and client " pain spot " formula financial service demand, then who will just win in competition
Go out.This Changing Concept is exactly shared where the marrow of Bank Innovation.
All the time, the construction of core banking system with " stabilization " for main target, but in today, the core of " stabilization "
System also faces new challenges.Such as, can magnanimity high concurrent data in real time on processing internet, quick response；Structure
Whether enough flexibly, to adapt to the developing stage that bank is different；Whether there is better services innovation ability, etc..These are asked
Topic annoyings bank, and researches and develops the original intention of shared core banking system as me.
" in ' internet+' epoch, share bank need one faster, more flexible, more creative core system ", with
This is target, and on the basis of industry integration development trend is fully understood, inventor is carried out to the core business for sharing bank
Innovative reconstruct, using distributed computing technology, realize as high building blocks of finding pleasure in can independent assortment system model, construct double-core
The Distributed sharing core banking system of function (future more can be many kernel functions).It flexibly arranges in pairs or groups, assembles and is suitable for not
With the growth requirement of bank, the financial innovation for really leading Internet era rapidly to change.
The content of the invention
It is an object of the invention to provide the resource sharing system under a kind of virtual resources pool environment.
According to an aspect of the invention, there is provided the resource sharing system under a kind of virtual resources pool environment, including：
At least one server, server is integrated various resources that can be in range of management, forms virtual resources
Pond；Then the various resources in virtual resources pond are dynamically allocated, allows user on demand using shared virtualization
Various resources in resource pool；
At least one shared self-service terminal, shares self-service terminal by cloud computing and big data means, obtains
The information of number, then the examination by big data and risk techniques, credit classification is carried out to user, and according to credit point
Level carries out corresponding authority distribution for the resource in virtual resources pond；
And,
At least one service initiating equipment associated with user, service initiating equipment is used to store user profile, and to
The sharing request or issue resource that server initiates request resource share request；
What server first passed through collection service initiating equipment issue shares request, and is integrated, formation is virtualized
Resource pool, shared self-service terminal is obtained after the sharing request that service initiating equipment is sent, and service initiating equipment is closed first
The user of connection carries out credit classification, and to be confirmed whether to respond sharing request, sharing request shares self-service terminal root by rear
Searched, matched after corresponding resource in virtual resources pond according to the content of sharing request, share self-service terminal
Resource is delivered to the holder of service initiating equipment or the user associated with service initiating equipment.
In some embodiments, shared self-service terminal can obtain number information, user's vital sign
Information and customer position information, and screened and risk techniques by big data, the user of shortage credit histories also can
Have an opportunity acquisition shared service, and number information includes personal considerations, social data and transaction record, user's vital sign
Information includes finger print information, facial information, iris information, pulse information and acoustic information.
In some embodiments, intelligent chip of the initiating equipment equipped with storage individual subscriber digital information is serviced,
Intelligent chip is the shared CaIC cards using FeliCaIC technologies.
FeliCaIC technologies are the non-contact intelligent chip technologies that Sony corporation of Japan is developed.FeliCaIC technologies are not
Only technically there is advance, and be widely used in Japan.
Technologically speaking, share CaIC technologies and be applied to mobile payment technology.First, CaIC cards are shared with very high
Security, is adapted to storage safety requirements very high userspersonal information；Secondly, CaIC technical transmission speed is shared very high, behaviour
Make simple, user need to only rock before special card reader to be provided with the mobile phones of shared Ca chips and can complete to pay, greatly
It is convenient for users, the experience that user uses mobile payment service can be strengthened.
From shared Ca chips from the point of view of future development, there is application in various fields, and be applied to e-payment
Field, with certain basis.The expense of many installation special card readers can be saved using shared CaIC technologies one, so that
Easily transfer enthusiasm of the businessman to development mobile payment service；Two are easier to carry out publicity in user.
In some embodiments, service initiating equipment is that smart mobile phone, computer, tablet personal computer or intelligence wearing are set
It is standby.
In some embodiments, the various resources in virtual resources pond include ideal money, service or product material object.
In some embodiments, shared self-service terminal can provide multiple services by servicing initiating equipment, many
Individual service at least includes：
Withdraw the money and service, deposit service, inquiry into balance service, money transfer service, payment services；
And at least one service selected from following groups, organizing at least includes：Bankbook more new demand servicing, user reconciliation singles
Print service, bankbook granting service, card provide service, the service of opening an account, cancellation service, loan application service, information collecting service, letter
Personal communication service between breath recovery/more new demand servicing, information distribution services and customer and financial institution, wherein each common
Self-service terminal is enjoyed to be suitable to or can be adapted to provide equivalent service for each participation financial institution.
In some embodiments, payment transaction includes：
(1) virtual wallet business：User prestored in account number a part of amount of money can so that the service can be used after use,
The fund that purchase commodity are paid directly is deducted from the account prestored, without inputting password；
(2) virtual ID debit card business：Virtual ID debit card can be connected with the common credit card of cooperative bank, and user can be with
Transferred accounts from the common credit card of cooperative bank to ID debit cards, ID debit card business has built a mobile credit card platform, with
Financial institution is attracted to add；
(3) fiduciary work is shared：User can just be overdrawed consumption using the shared fiduciary work amount of money that need not prestore.
In some embodiments, the number information that shared self-service terminal is collected according to it, which will be virtualized, to be provided
Source pond is divided into the modular unit of multiple customer-centric, and modular unit is according to deep neural network technology and multilayer
Decision tree technique constitutes big data resource network.
In some embodiments, sharing self-service terminal can be provided according to user's pain spot demand or according to request energy
Enough to provide personalized service, personalized real-time intelligent air control system of the service based on big data provides the user with safest
Service experience, most easily decision service, virtual resources pond can be shared to user by shared self-service terminal, be user
Comprehensive pain spot solution is provided, benefits-sharing is realized, thus by provide low cost service, be dissolved into user life and
During growth.
By the way that the wisdom of humanity is combined with intellectual technology, sharedization of financial service is realized, it is intelligent, reach " supply and demand
It is convenient to both, simplify " business bank frontier.Future, the core of shared bank seeks to forge into the bank of client at one's side,
Ubiquitous and more agile, safer and more intelligent, this is the difference maximum with traditional bank.Substantially, bank takes root in
Soil be still based on traditional bank, simply on this basis, to use for reference the gene of internet, be gradually transitions shared silver
OK.
Based on this logic, the framework for sharing bank will be according to " cloud+end+AI (HI) (artificial intelligence, human intelligence) "
Technology Ways, pass through depth integration AI (HI) (artificial intelligence, human intelligence), constantly improve " cloud+end " flat two-level architecture
System, the opening ecosphere for form vertical integration, extending laterally makes financial service more sharedization, victoryization, customization and intelligence
Energyization.Shared bank mode is by from traditional " system+customer manager " to " system (intelligent robot trained by bank expert)
+ big data engineer " changes, so as to provide more accurate, more effective financial service for client.
The transition direction of shared bank will realize that Intellisense, intelligent interaction, intellectual analysis, intelligence are inferred, accomplish approximate
As people " recognize and see ", " listening clearly ", " say and draw ", " reading to understand ", " guessing right ".Future, by various mobile devices,
Shared bank service without when it is ubiquitous, bank is no longer a place, but a kind of behavior, and client can be enjoyed with best mode
By bank service.
Using the resource sharing system under the virtual resources pool environment of above technical scheme, in business model, operation mould
Innovation transition is carried out in terms of formula, business model, profit model, fundamentally thinks deeply again and designs existing operation flow,
Being absorbed in improves the overall experience of client, and more controls are placed in client's hand.Under the double shield of technology and system,
IaaS (basis is serviced), PaaS (platform is service), SaaS (software is serviced) will progressively evolve to FaaS
(FinanceasaService finance is serviced).It is embodied in：
(1) by using technological meanses such as intelligent mobile terminals, touching up to rate and coverage rate for service can be lifted extensively, it is real
Now share interaction, Intellisense.
(2) by technological meanses such as cloud computing and big datas, the information of consumer digital can be obtained, such as individual human feelings
Condition, social data, transaction record etc..Examination and risk techniques by big data, making the user of shortage credit histories can also have
Chance obtains financial service.
(3) cost is reduced by modes such as process optimization, technology innovation, expense reductions, has both brought being substantially improved for efficiency,
Also the decline of cost and expense is brought, the quagmire of " information asymmetry, risk management are difficult " can be preferably solved.In future, share silver
Row can make the financial service of Customer Acquisition reasonable price.
(4) safest service experience is provided to client with the real-time intelligent air control system based on big data, it is most convenient
Financial service.
Brief description of the drawings
Fig. 1 for one embodiment of the present invention virtual resources pool environment under resource sharing system structural representation
Figure.
Embodiment
The invention will now be described in further detail with reference to the accompanying drawings.
Fig. 1 schematically shows the money under a kind of virtual resources pool environment according to one embodiment of the present invention
Source shared system.As illustrated, the system includes at least one server 1, at least one shared self-service terminal 2 and extremely
A few service initiating equipment 3 associated with user.
Server 1 is integrated various resources that can be in range of management, forms virtual resources pond；Then to virtualization
Various resources in resource pool are dynamically allocated, and allow user on demand using the various moneys in shared virtual resources pond
Source.
Shared self-service terminal 2 obtains the information of number by cloud computing and big data means, then by big
The examination of data and risk techniques, credit classification is carried out to user, and according to credit classification for the money in virtual resources pond
Source carries out corresponding authority distribution.
Service initiating equipment 3 is used to store user profile, and initiates to server to ask the sharing request or hair of resource
Cloth resource shares request.
Server 1 first passes through the request of sharing that collection services the issue of initiating equipment 3, and itself and other information progress is whole
Close, form virtual resources pond.
Shared self-service terminal 2 is obtained after the sharing request that service initiating equipment 3 is sent, first to service initiating equipment
The user of 3 associations carries out credit classification, to be confirmed whether to respond sharing request.Sharing request shares Self-Service whole by rear
Searched according to the content of sharing request in virtual resources pond at end 2.Match after corresponding resource, share Self-Service
Resource is delivered to the holder of service initiating equipment 3 or the user associated with service initiating equipment 3 by terminal 2.
Shared self-service terminal 2 can obtain number information, user's vital sign information and customer location
Information, and screened and risk techniques by big data, make the user of shortage credit histories also to have an opportunity to obtain shared clothes
Business, number information includes personal considerations, social data and transaction record, and user's vital sign information is believed including fingerprint
Breath, facial information, iris information, pulse information and acoustic information.
Intelligent chip of the initiating equipment 3 equipped with storage individual subscriber digital information is serviced, intelligent chip is use
The shared CaIC cards of FeliCaIC technologies.
FeliCaIC technologies are the non-contact intelligent chip technologies that Sony corporation of Japan is developed.FeliCaIC technologies are not
Only technically there is advance, and be widely used in Japan.
Technologically speaking, share CaIC technologies and be applied to mobile payment technology.First, CaIC cards are shared with very high
Security, is adapted to storage safety requirements very high userspersonal information；Secondly, CaIC technical transmission speed is shared very high, behaviour
Make simple, user need to only rock before special card reader to be provided with the mobile phones of shared Ca chips and can complete to pay very big place
User's use can strengthen user use mobile payment service experience.
From shared Ca chips from the point of view of future development, there is application in various fields, and be applied to e-payment
Field, with certain basis.The expense of many installation special card readers can be saved using shared CaIC technologies one, so that
Easily transfer enthusiasm of the businessman to development mobile payment service；Two are easier to carry out publicity in user.
In the present embodiment, service initiating equipment 3 can set for smart mobile phone, computer, tablet personal computer or intelligence wearing
It is standby.
It is in kind that various resources in virtual resources pond include ideal money, service or product.
Shared self-service terminal 2 can provide multiple services by servicing initiating equipment 3, and multiple services at least include：
Withdraw the money and service, deposit service, inquiry into balance service, money transfer service, payment services；
And at least one service selected from following groups, organizing at least includes：Bankbook more new demand servicing, user reconciliation singles
Print service, bankbook granting service, card provide service, the service of opening an account, cancellation service, loan application service, information collecting service, letter
Personal communication service between breath recovery/more new demand servicing, information distribution services and customer and financial institution, wherein each common
Self-service terminal is enjoyed to be suitable to or can be adapted to provide equivalent service for each participation financial institution.
Payment transaction includes：
(1) virtual wallet business：User prestored in account number a part of amount of money can so that the service can be used after use,
The fund that purchase commodity are paid directly is deducted from the account prestored, without inputting password；
(2) virtual ID debit card business：Virtual ID debit card can be connected with the common credit card of cooperative bank, and user can be with
Transferred accounts from the common credit card of cooperative bank to ID debit cards, ID debit card business has built a mobile credit card platform, with
Financial institution is attracted to add；
(3) fiduciary work is shared：User can just be overdrawed consumption using the shared fiduciary work amount of money that need not prestore.
The number information that shared self-service terminal 2 is collected according to it by virtual resources pond be divided into it is multiple with
The modular unit of user-center, and modular unit constitutes big according to deep neural network technology and multilevel policy decision tree technology
Data resource network.
Shared self-service terminal 2 can provide or can be provided according to request the clothes of personalization according to user's pain spot demand
Business, personalized real-time intelligent air control system of the service based on big data provides the user with safest service experience, most convenient
Decision service, shared self-service terminal is enough to share to user virtual resources pond, provides the user comprehensive pain spot solution
Certainly scheme, realizes benefits-sharing, so that by providing low cost service, during the life and growth of being dissolved into user.
Thus, by the way that the wisdom of humanity is combined with intellectual technology, sharedization of financial service is realized, it is intelligent, reach
The business bank frontier of " supply and demand is convenient to both, simplify ".Future, the core of shared bank seeks to forge into client at one's side
Bank, ubiquitous and more agile, safer and more intelligent, this is the difference maximum with traditional bank.Substantially, it is silver-colored
The soil that row is taken root in is still based on traditional bank, simply on this basis, to use for reference the gene of internet, be gradually transitions altogether
Enjoy bank.
Based on this logic, the framework for sharing bank will be according to " cloud+end+AI (HI) (artificial intelligence, human intelligence) "
Technology Ways, pass through depth integration AI (HI) (artificial intelligence, human intelligence), constantly improve " cloud+end " flat two-level architecture
System, the opening ecosphere for form vertical integration, extending laterally makes financial service more sharedization, victoryization, customization and intelligence
Energyization.Shared bank mode is by from traditional " system+customer manager " to " system (intelligent robot trained by bank expert)
+ big data engineer " changes, so as to provide more accurate, more effective financial service for client.
The transition direction of shared bank will realize that Intellisense, intelligent interaction, intellectual analysis, intelligence are inferred, accomplish approximate
As people " recognize and see ", " listening clearly ", " say and draw ", " reading to understand ", " guessing right ".Future, by various mobile devices,
Shared bank service without when it is ubiquitous, bank is no longer a place, but a kind of behavior, and client can be enjoyed with best mode
By bank service.
Above-described is only some embodiments of the present invention.For the person of ordinary skill of the art, not
On the premise of departing from the invention design, various modifications and improvements can be made, these belong to the protection model of the present invention
Enclose.
Claims (9)
1. the resource sharing system under a kind of virtual resources pool environment, it is characterised in that including：
At least one server, the server is integrated various resources that can be in range of management, forms virtual resources
Pond；Then the various resources in the virtual resources pond are dynamically allocated, allows user on demand using shared void
Various resources in planization resource pool；
At least one shared self-service terminal, the shared self-service terminal is obtained by cloud computing and big data means
The information of number, then the examination by big data and risk techniques, carry out credit classification, and award according to described to user
Letter classification carries out corresponding authority distribution for the resource in virtual resources pond；
And,
At least one service initiating equipment associated with user, the service initiating equipment is used to store user profile, and to
The sharing request or issue resource that the server initiates request resource share request；
What the server first passed through the collection service initiating equipment issue shares request, and is integrated, formation void
Planization resource pool, the shared self-service terminal is obtained after the sharing request that the service initiating equipment is sent, first to institute
The user for stating service initiating equipment association carries out credit classification, to be confirmed whether to respond the sharing request, the sharing request
By rear, the shared self-service terminal is searched according to the content of the sharing request in virtual resources pond,
Be fitted on after corresponding resource, the shared self-service terminal by resource be delivered to it is described service initiating equipment or with the clothes
The holder of the associated user of business initiating equipment.
2. the resource sharing system under virtual resources pool environment according to claim 1, it is characterised in that described shared
Self-service terminal can obtain number information, user's vital sign information and customer position information, and by big
Data are screened and risk techniques, make the user of shortage credit histories and can also have an opportunity acquisition shared service, the number of users
Word information includes personal considerations, social data and transaction record, and user's vital sign information includes finger print information, face
Information, iris information, pulse information and acoustic information.
3. the resource sharing system under virtual resources pool environment according to claim 1 or 2, it is characterised in that described
Intelligent chip of the initiating equipment equipped with storage individual subscriber digital information is serviced, the intelligent chip is to use FeliCaIC
The shared CaIC cards of technology.
4. the resource sharing system under virtual resources pool environment according to claim 3, it is characterised in that the service
Initiating equipment is smart mobile phone, computer, tablet personal computer or Intelligent worn device.
5. the resource sharing system under virtual resources pool environment according to claim 1, it is characterised in that described virtual
Changing the various resources in resource pool includes ideal money, service or product material object.
6. the resource sharing system under virtual resources pool environment according to claim 5, it is characterised in that described shared
Self-service terminal can provide multiple services by the service initiating equipment, and the multiple service at least includes：
Withdraw the money and service, deposit service, inquiry into balance service, money transfer service, payment services；
And at least one service selected from following groups, described group at least includes：Bankbook more new demand servicing, user reconciliation singles
Print service, bankbook granting service, card provide service, the service of opening an account, cancellation service, loan application service, information collecting service, letter
Personal communication service between breath recovery/more new demand servicing, information distribution services and customer and financial institution, wherein each common
Self-service terminal is enjoyed to be suitable to or can be adapted to provide equivalent service for each participation financial institution.
7. the resource sharing system under virtual resources pool environment according to claim 6, it is characterised in that the payment
Business includes：
(1) virtual wallet business：User prestores a part of amount of money in account number can be can be used the service after use, purchase
The fund that commodity are paid directly is deducted from the account prestored, without inputting password；
(2) virtual ID debit card business：Virtual ID debit card can be connected with the common credit card of cooperative bank, and user can be from conjunction
The common credit card for making bank is transferred accounts to ID debit cards, and ID debit card business has built a mobile credit card platform, to attract
Financial institution adds；
(3) fiduciary work is shared：User can just be overdrawed consumption using the shared fiduciary work amount of money that need not prestore.
8. the resource sharing system under virtual resources pool environment according to claim 2, it is characterised in that described shared
The number information that self-service terminal is collected according to it by the virtual resources pond be divided into it is multiple using user in
The modular unit of the heart, and the modular unit constitutes big data according to deep neural network technology and multilevel policy decision tree technology
Resource network.
9. the resource sharing system under virtual resources pool environment according to claim 8, it is characterised in that described shared
Self-service terminal can provide or can be provided according to request the service of personalization, the personalization according to user's pain spot demand
Real-time intelligent air control system of the service based on big data provide the user with safest service experience, most easily decision-making take
Virtual resources pond can be shared to user by business, the shared self-service terminal, provided the user comprehensive pain spot and solved
Scheme, realizes benefits-sharing, so that by providing low cost service, during the life and growth of being dissolved into user.
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| CN108062711A (en) * | 2017-12-12 | 2018-05-22 | 深圳市中科维宁科技有限公司 | A kind of shared method for running and system of assets digitlization operation platform |
| CN108346080A (en) * | 2018-01-09 | 2018-07-31 | 厦门集微科技有限公司 | A kind of flow package combined optimization method and device |
| CN108376446A (en) * | 2018-02-02 | 2018-08-07 | 上海农村商业银行股份有限公司 | It is a kind of to carry out the method and system that deposit receipt renews using self-service device |
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| CN110322239A (en) * | 2018-03-31 | 2019-10-11 | 华为技术有限公司 | A kind of business management method and relevant device |
| CN110378086A (en) * | 2019-07-31 | 2019-10-25 | 中国工商银行股份有限公司 | The management method and device of permission |
| CN110622192A (en) * | 2018-11-27 | 2019-12-27 | 阿里巴巴集团控股有限公司 | Function As A Service (FAAS) platform in a blockchain network |
| CN111213340A (en) * | 2017-10-16 | 2020-05-29 | 微软技术许可有限责任公司 | Selecting and securing attestation delegations for cryptographic functions |
| CN111353811A (en) * | 2020-02-17 | 2020-06-30 | 苏宁云计算有限公司 | Method and system for uniformly distributing resources |
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| CN111213340A (en) * | 2017-10-16 | 2020-05-29 | 微软技术许可有限责任公司 | Selecting and securing attestation delegations for cryptographic functions |
| CN111213340B (en) * | 2017-10-16 | 2023-05-09 | 微软技术许可有限责任公司 | Selecting attestation delegation for cryptographic functions and making it secure |
| CN107993118A (en) * | 2017-11-01 | 2018-05-04 | 浙江圣地物联科技有限公司 | A kind of method based on shared system association user information |
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| CN108346080A (en) * | 2018-01-09 | 2018-07-31 | 厦门集微科技有限公司 | A kind of flow package combined optimization method and device |
| CN108376446A (en) * | 2018-02-02 | 2018-08-07 | 上海农村商业银行股份有限公司 | It is a kind of to carry out the method and system that deposit receipt renews using self-service device |
| CN110290489A (en) * | 2018-03-19 | 2019-09-27 | 杨世腾 | The storage of network flow resource and shared plateform system |
| CN110322239A (en) * | 2018-03-31 | 2019-10-11 | 华为技术有限公司 | A kind of business management method and relevant device |
| CN108537642A (en) * | 2018-04-20 | 2018-09-14 | 郑勇 | A kind of on-line off-line universe credit cycle service system based on block platform chain |
| CN110622192B (en) * | 2018-11-27 | 2023-07-14 | 创新先进技术有限公司 | Functional As A Service (FAAS) platform in a blockchain network |
| CN110622192A (en) * | 2018-11-27 | 2019-12-27 | 阿里巴巴集团控股有限公司 | Function As A Service (FAAS) platform in a blockchain network |
| CN109508432A (en) * | 2018-11-28 | 2019-03-22 | 段红 | A kind of high-performance FAAS system based on block chain |
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| CN110378086B (en) * | 2019-07-31 | 2021-06-29 | 中国工商银行股份有限公司 | Authority management method and device |
| CN110378086A (en) * | 2019-07-31 | 2019-10-25 | 中国工商银行股份有限公司 | The management method and device of permission |
| CN111353811A (en) * | 2020-02-17 | 2020-06-30 | 苏宁云计算有限公司 | Method and system for uniformly distributing resources |
| CN111353811B (en) * | 2020-02-17 | 2023-10-31 | 苏宁云计算有限公司 | Unified resource issuing method and system |
| CN111711648A (en) * | 2020-04-16 | 2020-09-25 | 上海淇玥信息技术有限公司 | Virtual resource allocation method and system, server, electronic device and storage medium thereof |
| CN113689281A (en) * | 2021-07-23 | 2021-11-23 | 湖南三湘银行股份有限公司 | Internet financial platform based on cloud computing |
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