CN111831868A - Method and apparatus for financial product configuration - Google Patents
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Abstract
The invention discloses a method and a device for financial product configuration, and relates to the technical field of computers. One embodiment of the method comprises: configuring various product parameters constituting the financial product; constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library; constructing a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; and according to the business requirements of the target financial products, screening a product component model list corresponding to the business requirements from the component model library, and combining product components corresponding to each product component model in the product component model list to obtain the target financial products. The implementation mode establishes the product structural framework based on the object-oriented method, can realize the rapid configuration of financial products, and has high efficiency, good accuracy and good timeliness.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for configuring financial products.
Background
Financial products are tangible forms and carriers of financial enterprise product services. The method is formed by summarizing and abstracting business characteristics related to a service process based on a service productization concept, and solidifying the business characteristics on a carrier (such as an account and a card) or appointing the business characteristics into a fixed form (such as collection, payment and asset management).
The assembly of current financial products is handled on a parametric basis. The attributes of the product parameters express the static characteristics of the product, and different values are assigned to the characteristics to form different marketable products. The operation of the corresponding product is also performed around the parameters, and in different products which can be sold, the operation of the product shows different effects because the values of the product parameters are different.
The assembly process of the current financial products is relatively complex and mainly embodied in the following aspects:
(1) the number of parameters of the financial products is huge, and the products are difficult to assemble directly according to the parameters. And the parameters play an extremely important role in the operation of the business of the financial enterprises. Incomplete or wrong parameter configuration can affect the normal operation of the financial enterprises and even cause operation risks.
(2) Generally, product design and product assembly are performed separately, and if a product designer and a product model assembler have a difference in business understanding, model identification granularity of product design and product assembly may be inconsistent. And the conversion of product parameters between product design and product assembly depends on manual operation, the efficiency is low, and errors occur in the conversion.
(3) The process is long in link, too many in steps, and the product innovation timeliness cannot be guaranteed.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for configuring a financial product, which establish a product structural framework based on an object-oriented method, and can implement fast configuration of a financial product, with high efficiency and good accuracy and timeliness.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of financial product configuration, including:
configuring various product parameters constituting the financial product;
constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library;
constructing a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
and according to the business requirements of the target financial products, screening a product component model list corresponding to the business requirements from the component model library, and combining product components corresponding to each product component model in the product component model list to obtain the target financial products.
Optionally, before the step of screening the product component model list corresponding to the business requirement from the component model library, the method further includes: confirming the existence of the product component model in the component model library; and, if the product component model does not exist in the component model library, then:
and screening a product element model list corresponding to the product component model from the element model library, combining each product element model in the product element model list to obtain the product component model, and updating the component model library.
Optionally, combining the product component corresponding to each product component model in the product component model list includes:
and screening target product components from a product component list corresponding to the product component models, and combining the target product components corresponding to each product component model in the product component model list.
Optionally, before screening the target product component from the product component list corresponding to the product component model, the method further includes: confirming that the target product component exists in the product component list; and if the target product component does not exist in the product component list, instantiating the product component model to obtain the target product component.
Optionally, after obtaining the component model library, the method further includes: constructing a single product model corresponding to each single business requirement of the financial product based on the component model library to obtain a single product model library;
before screening a product component model list corresponding to the business requirement from the component model library according to the business requirement of the target financial product, the method further comprises the following steps: confirming the target financial product as a single product;
if the target financial product is a combination product, then: screening a list of single product models corresponding to a single business requirement of the target financial product from the single product model library, screening a list of product component models corresponding to remaining business requirements of the target financial product from the component model library, and combining a single product corresponding to each of the single product models in the list of single product models with a product component corresponding to each of the product component models in the list of product component models.
Optionally, screening a list of single product models corresponding to single business requirements of the target financial product from the single product model library, including: screening a candidate single product model list from the single product model library according to the product line and the product group to which the target financial product belongs, and screening a single product model list corresponding to the single service requirement of the target financial product from the candidate single product model list;
screening a list of product component models from the component model library corresponding to the remaining business requirements of the target financial product, comprising: and screening a candidate component model list from the component model library according to the product line and the product group to which the target financial product belongs, and screening a product component model list corresponding to the rest business requirements of the target financial product from the candidate component model list.
Optionally, the product parameters include: the parameter value is not an empty first product parameter, and the parameter value is an empty second product parameter;
the product component model includes: a first product component model formed from at least one first product parameter combination, a second product component model formed from at least one second product parameter combination.
According to a second aspect of embodiments of the present invention, there is provided an apparatus for financial product configuration, comprising:
a product parameter module configured to configure each product parameter constituting a financial product;
the product element module is used for constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library;
a product component module, which constructs a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
and the single product module is used for screening a product component model list corresponding to the business requirement from the component model library according to the business requirement of the target financial product, and combining product components corresponding to each product component model in the product component model list to obtain the target financial product.
Optionally, the unitary product is further for: confirming that the product component model exists in the component model library before screening a product component model list corresponding to the business requirement from the component model library;
the product component module is further to: if the product component model does not exist in the component model library, then: and screening a product element model list corresponding to the product component model from the element model library, combining each product element model in the product element model list to obtain the product component model, and updating the component model library.
Optionally, the single product combining the product component corresponding to each product component model in the product component model list includes:
and screening target product components from a product component list corresponding to the product component models, and combining the target product components corresponding to each product component model in the product component model list.
Optionally, the unitary product is further for: confirming that the target product part exists in the product part list before screening the target product part from the product part list corresponding to the product part model;
the product component module is further to: and if the target product component does not exist in the product component list, instantiating the product component model to obtain the target product component.
Optionally, the single product module is further configured to: after the product component module obtains a component model library, constructing a single product model corresponding to each single business requirement of the financial product based on the component model library to obtain a single product model library; and confirming that the target financial product is a single product before screening a product component model list corresponding to the business demand from the component model library according to the business demand of the target financial product;
the apparatus further comprises a combination product module for: if the target financial product is a combination product, then: screening a list of single product models corresponding to a single business requirement of the target financial product from the single product model library, screening a list of product component models corresponding to remaining business requirements of the target financial product from the component model library, and combining a single product corresponding to each of the single product models in the list of single product models with a product component corresponding to each of the product component models in the list of product component models.
Optionally, the combined product module filters a list of single product models corresponding to single business requirements of the target financial product from the single product model library, including: screening a candidate single product model list from the single product model library according to the product line and the product group to which the target financial product belongs, and screening a single product model list corresponding to the single service requirement of the target financial product from the candidate single product model list;
the portfolio product module screens a list of product component models from the component model library corresponding to remaining business requirements of the target financial product, including: and screening a candidate component model list from the component model library according to the product line and the product group to which the target financial product belongs, and screening a product component model list corresponding to the rest business requirements of the target financial product from the candidate component model list.
Optionally, the product parameters include: the parameter value is not an empty first product parameter, and the parameter value is an empty second product parameter;
the product component model includes: a first product component model formed from at least one first product parameter combination, a second product component model formed from at least one second product parameter combination.
According to a third aspect of embodiments of the present invention, there is provided an electronic device for financial product configuration, comprising:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method provided by the first aspect of the embodiments of the present invention.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method provided by the first aspect of embodiments of the present invention.
One embodiment of the above invention has the following advantages or benefits: through layering each product parameter that constitutes financial product step by step, introduce concepts such as the component, part of establishing high cohesion, low coupling, can guarantee that the information conduction is high-efficient unanimous in the product assembling process, realize financial product's rapid Assembly for whole assembly flow is more visualized, and the configuration is convenient high-efficient, and the probability of making mistakes of operation reduces, and accuracy and timeliness are high.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main flow of a method of financial product configuration in accordance with an embodiment of the present invention;
FIG. 2 is a system framework diagram of a financial product configuration of an embodiment of the present invention;
FIG. 3 is a schematic illustration of a product line in an alternative embodiment of the invention;
FIG. 4 is a schematic illustration of an assembly model of a financial product in an alternative embodiment of the invention;
FIG. 5 is a schematic diagram of the main blocks of an apparatus for financial product configuration according to an embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
According to one aspect of an embodiment of the present invention, a method of financial product configuration is provided.
Fig. 1 is a schematic view showing a main flow of a method of configuring a financial product according to an embodiment of the present invention, and as shown in fig. 1, the method of configuring a financial product includes: step S101, step S102, and step S103.
In step S101, individual product parameters constituting the financial product are configured.
Product parameters are the most basic business elements that make up the various models below, representing certain limits, quotas, constraints and rules for financial products. The product parameter is a product information item of the finest granularity, which can not be decomposed any more. Different product parameter examples are formed for different values (or value ranges) of the same product parameter. For example: the single-stroke deposit limit parameter of the deposit product, the interest mark parameter, the currency type code of the product, the annual loan rate, whether the automatic payment is owed or not, and the like. Product parameters can only be used by a certain product component model or product element model.
The parameter content and the quantity of the product parameters can be selectively set according to the actual situation. Optionally, the product parameters include: the parameter value is not an empty first product parameter and the parameter value is an empty second product parameter. The parameter values of the first product parameter may be pre-set for direct reference in building the product component model. The first product parameter may be a parameter common to each financial product, such as: risk classification cycle, risk classification mode, risk classification level, product name, product state, and the like. The parameter values of the second product parameter need to be set according to the situation of the specific financial product, for example: customer size requirements, customer type, customer industry type, etc. The parameter values of the first product parameters are preset, so that the product assembly efficiency can be improved, repeated operation caused by assignment of the product parameters which needs to be repeated when the same product parameters are quoted in different financial products is avoided, and the product assembly efficiency is improved. The parameter value of the second product parameter is set according to the condition of a specific financial product, and diversification and componentization configuration of product assembly can be realized, so that various different financial products can be assembled according to actual requirements, the product assembly speed is increased, and convenience is brought to expansion.
In step S102, a product component model corresponding to each business unit of the financial product is constructed based on the product parameters, and a component model library is obtained.
The product component model is composed of a set of indivisible product parameters, which express a complete business concept, such as: interest rate codes, fee type codes, currency type codes, etc. The product element model has high cohesion and is derived from product conditions in product modeling, parameters required by internal operation management of financial enterprises and the like. The product component model may be divided into a first product component model and a second product component model according to types of product parameters constituting the product component model. The first product component model is formed from at least one first product parameter combination and the second product component model is formed from at least one second product parameter combination.
The product element is an example of a product element model, is composed of a group of product parameter examples with determined values (or value ranges), and is represented by an element code with determined business meaning. Each product element model corresponds to a business unit.
In step S103, constructing a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each of the product component models comprises at least one of the product parameters and/or at least one product component model.
The product component model is a set of closely related product component models and/or product parameters that correspond to the business functions of the financial product. In the actual application process, the corresponding service function identifier can be added into the product component model. There are no common parameters between the product part model and the product part model, and therefore the product part model has cohesion and reusability. If different financial products have multiple sets of common steps operating similar product component models, and the common steps have some commonality, then the similar product component models can be integrated together as a product part model. Since the product components can be pre-configured and have a clear business meaning, the product can be assembled directly by the product components to achieve a fast assembly of the product.
A product part is an instance of a product part model, consisting of a set of product elements and product parameter instances. In the actual application process, a determined business meaning can be expressed by using a part number identification. When a product part is newly built, a product line and a product group to which the product part belongs can be planned in advance, so that the product part can be searched quickly.
In step S104, according to a business requirement of a target financial product, a product component model list corresponding to the business requirement is screened from the component model library, and a product component corresponding to each product component model in the product component model list is combined to obtain the target financial product.
The embodiment of the invention can ensure high-efficiency and consistent information conduction in the product assembly process by layering the product parameters constituting the financial product step by step and introducing the concepts of establishing high-cohesion and low-coupling elements, components and the like, thereby realizing the rapid assembly of the financial product, enabling the whole assembly process to be more visualized, having convenient and efficient configuration, reducing the probability of operation errors and having high accuracy and timeliness.
Before screening the product component model list corresponding to the business requirement from the component model library, the method may further include: confirming that the product component model exists in the component model library. If the product component model does not exist in the component model library, the product component model is created. Specifically, the method comprises the following steps: and screening a product element model list corresponding to the product component model from the element model library, combining each product element model in the product element model list to obtain a product component model, and updating the component model library. According to the embodiment of the invention, when the product component model to be searched does not exist in the component model library, the product component model is created based on each product element model in the element model library, so that diversified product assembly is rapidly realized.
A product part is an instance of a product part model, consisting of a set of product elements and product parameter instances. Since there may be multiple product components and product parameter instances, one product part model may correspond to multiple product parts. The product component corresponding to a product component model is referred to as a product component list of the product component model. The product component corresponding to each product component model in the combined product component model list may include: and screening target product components from a product component list corresponding to the product component models, and combining the target product components corresponding to each product component model in the product component model list. The embodiment of the invention can quickly realize diversified product assembly based on the target product components of each product component model.
Further, before screening the target product component from the product component list corresponding to the product component model, the method may further include: confirming that the target product part exists in the product part list. And if the target product component does not exist in the product component list, instantiating the product component model to obtain the target product component. The instantiated process is a process of assigning values to parameters of which the parameter values included in each product element model in the product component model are empty. According to the embodiment of the invention, when the product component to be searched does not exist in the product component list, the product component can be created based on each product element model in the element model library, and diversified product assembly can be rapidly realized.
The business requirement refers to the service requirement of the financial enterprises. If a financial product only corresponds to a single business requirement, the financial product is called a single product, and the corresponding product model becomes a single product model. If a certain financial product only corresponds to a plurality of business requirements, namely a combined business requirement, the financial product is called a combined product, and the corresponding product model becomes a combined product model. A single product generally refers to a product that satisfies the basic business of a bank, such as a deposit, loan, bill, etc.
A single product model consists of at least one product part and may not consist directly of product elements or product parameter instances. If the target financial product to be assembled is a single product, the target financial product is assembled according to step S104.
With the business development of financial enterprises, the single product is difficult to meet the requirements set by the enterprise products. For example, banks can integrate financial products such as insurance and securities, increase product varieties, expand the operating range and search new profit growth points. The combined product model is composed of a plurality of product component models, or a plurality of single product models, or at least one single product model and at least one product component model. In the actual application process, various combined products and combined product combinations can be defined according to business requirements.
After obtaining the component model library in step S103, the method may further include: and constructing a single product model corresponding to each single business requirement of the financial product based on the component model library to obtain a single product model library. If the target financial product to be assembled is a combination product, then: the method includes the steps of screening a single product model list corresponding to a single business requirement of a target financial product from a single product model library, screening a product component model list corresponding to the rest business requirements of the target financial product from a component model library, and combining a single product corresponding to each single product model in the single product model list and a product component corresponding to each product component model in the product component model list.
The product line is used for describing a business line of a financial enterprise, represents the same business service, and is a group of single products and/or combined products with high correlation. The product line is independent of organizational structure, customer segmentation, or a specific channel. For example, product lines for deposit, credit, trade financing, payment settlement, investment financing, financial markets, and the like may be defined. The product group is a collection of products classified and obtained according to the service under the product line. A product group contains at least one specific product application (i.e., at least one single product or combination product), and a product line may contain multiple product groups. Multiple single products can be placed under a product line, and a single product does not cross the product line. When a product component model is newly created, a product line and a product group to which the product component model belongs may be set in advance, so as to facilitate quick search of the product component model. Since the product component model can be preconfigured and has a clear business meaning, the product can be assembled directly by the product components to achieve a fast assembly of the product.
Fig. 3 shows a schematic diagram of the credit product line, which can be divided into three product groups according to the service types, namely, a public loan, a personal loan and a guarantee commitment according to the service types as shown in fig. 3. Each product group may be further divided into a plurality of individual products or combination products. As shown in fig. 3, the loan to the public is divided into two portfolio product models, financing for the public fixed assets and financing for the public liquidity funds. Each combination product can be divided into a plurality of single product models according to business functions. As shown in fig. 3, the combined product model for financing public fixed assets may be divided into three single product models of a basic construction loan, a land reserve loan and a unit technology modified loan, and the combined product model for financing public mobile funds may be divided into two single product models of a legal automobile loan and a RMB credit loan. When the combined product model includes a plurality of single product models, the combined product model may not be constructed from the plurality of single product models. Taking the combined product model for financing the mobile capital in fig. 3 as an example, although it can be obtained by combining two single product models of legal automobile loan and RMB credit, it can also be obtained by combining the product component models corresponding to the two single product models directly, as shown in fig. 4. When the combined product model comprises a plurality of single product models, the combined product model is obtained by combining the single product models, so that the efficiency and the speed of product assembly can be further improved.
Optionally, screening a list of single product models corresponding to single business requirements of the target financial product from a single product model library, including: and screening a candidate single product model list from the single product model library according to the product line and the product group to which the target financial product belongs, and screening a single product model list corresponding to the single service requirement of the target financial product from the candidate single product model list. Screening a list of product component models from a component model library corresponding to remaining business requirements of the target financial product, comprising: and screening a candidate component model list from the component model library according to the product line and the product group to which the target financial product belongs, and screening a product component model list corresponding to the rest business requirements of the target financial product from the candidate component model list. By setting the product line and product group concepts, it is convenient to manage models included in various financial products and to quickly assemble product lines of various product combinations based on existing models.
FIG. 2 is a system framework diagram of a financial product configuration of an embodiment of the present invention. In an alternative embodiment shown in fig. 2, a 5-layer model architecture is included, respectively: a combination product model, a single product model, a product part model, a product component model, and a product parameter. Each layer corresponds to a product after instantiation, a combined product is obtained after a combined product model is instantiated, a single product is obtained after a single product model is instantiated, a product component is obtained after a product component model is combined, a product component is obtained after a product component model is instantiated, and a product parameter instance is obtained after a product parameter is instantiated. For related matters, reference is made to the text introduction, and details are not repeated here.
Taking a single product as an example, the assembly process mainly comprises two steps:
defining a product assembly model
(1) Identifying product parts required by a single product model mainly by the following two ways:
a. from the product line and product group, the approximate extent of the product component is determined. And searching the component model library for the component model according to the business keyword (payment, expense and the like) corresponding to the business function.
b. And determining the product parts required by the single product model by referring to the existing single or combined product model.
(2) Product component models required to modify a single product model are selected based on search results from a library of component models. If the product component model in the current component model library does not meet the requirement, the product component model needs to be newly added;
(3) the product component model is composed of at least one product component model, which is taken from a component model library. If multiple product parameters need to be used by different product component models, it is necessary to aggregate the set of parameters into one product element model.
Two, assemble the single product
(1) Listing a product component model list corresponding to the single product model according to the single product model; (if a single product contains only one business function, then only one product component model is included in the list, and if multiple single products contain multiple business functions, then only multiple product component models are included in the list.)
(2) For each product component model in the product component model list, listing all instances of the product component model, namely a candidate product component list corresponding to the product component model;
(3) and selecting an example from the candidate product part list as a target product part corresponding to the product part model. If there are no instances in the list of candidate product parts that are required for the product. An instance of the part model needs to be created. The process of creating the product component instance is similar to the process of assembling the product, a product element model contained in the product component model is obtained, a corresponding product element is selected, and the parameters can be filled with data according to the value range defined by the model and the service requirement. And if the product element does not meet the requirements, a corresponding element instance is required to be created according to the product element model.
(4) Repeating the above steps until the assembly of the product components required by the single product is completed;
(5) checking whether the product parts required by the single product are complete, if so, ending the process; otherwise, repeating the steps (2) - (4).
FIG. 4 is a schematic view of an assembly model of a financial product in an alternative embodiment of the invention. In fig. 4, the unit credit is generally a combined product model, which includes two single product models (for the current credit and for the liquidity funds) and one product component (the credit component model). The public term deposit includes all product part models in FIG. 4 except the credit part model.
According to the embodiment of the invention, the parameters of each product forming the financial product are layered step by step, and the 5-layer model frame with high cohesion and low coupling is introduced and established, so that the high efficiency and consistency of information conduction in the product assembly process can be ensured, the rapid assembly of the financial product is realized, the whole assembly process is more visualized, the configuration is convenient and efficient, the probability of operation errors is reduced, and the accuracy and the timeliness are high.
According to a second aspect of the embodiments of the present invention, there is provided an apparatus for implementing the above method.
Fig. 5 is a schematic diagram of main blocks of an apparatus for financial product allocation according to an embodiment of the present invention, and as shown in fig. 5, the apparatus 500 for financial product allocation includes:
a product parameter module 501 for configuring each product parameter constituting a financial product;
a product component module 502, which constructs a product component model corresponding to each business unit of the financial product based on each product parameter to obtain a component model library;
a product component module 503, which constructs a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
the single product module 504 is configured to, according to a business requirement of a target financial product, screen a product component model list corresponding to the business requirement from the component model library, and combine product components corresponding to each product component model in the product component model list to obtain the target financial product.
Optionally, the unitary product is further for: confirming that the product component model exists in the component model library before screening a product component model list corresponding to the business requirement from the component model library;
the product component module is further to: if the product component model does not exist in the component model library, then: and screening a product element model list corresponding to the product component model from the element model library, combining each product element model in the product element model list to obtain the product component model, and updating the component model library.
Optionally, the single product combining the product component corresponding to each product component model in the product component model list includes:
and screening target product components from a product component list corresponding to the product component models, and combining the target product components corresponding to each product component model in the product component model list.
Optionally, the unitary product is further for: confirming that the target product part exists in the product part list before screening the target product part from the product part list corresponding to the product part model;
the product component module is further to: and if the target product component does not exist in the product component list, instantiating the product component model to obtain the target product component.
Optionally, the single product module is further configured to: after the product component module obtains a component model library, constructing a single product model corresponding to each single business requirement of the financial product based on the component model library to obtain a single product model library; and confirming that the target financial product is a single product before screening a product component model list corresponding to the business demand from the component model library according to the business demand of the target financial product;
the apparatus further comprises a combined products module 505 for: if the target financial product is a combination product, then: screening a list of single product models corresponding to a single business requirement of the target financial product from the single product model library, screening a list of product component models corresponding to remaining business requirements of the target financial product from the component model library, and combining a single product corresponding to each of the single product models in the list of single product models with a product component corresponding to each of the product component models in the list of product component models.
Optionally, the combined product module filters a list of single product models corresponding to single business requirements of the target financial product from the single product model library, including: screening a candidate single product model list from the single product model library according to the product line and the product group to which the target financial product belongs, and screening a single product model list corresponding to the single service requirement of the target financial product from the candidate single product model list;
the portfolio product module screens a list of product component models from the component model library corresponding to remaining business requirements of the target financial product, including: and screening a candidate component model list from the component model library according to the product line and the product group to which the target financial product belongs, and screening a product component model list corresponding to the rest business requirements of the target financial product from the candidate component model list.
Optionally, the product parameters include: the parameter value is not an empty first product parameter, and the parameter value is an empty second product parameter;
the product component model includes: a first product component model formed from at least one first product parameter combination, a second product component model formed from at least one second product parameter combination.
According to a third aspect of embodiments of the present invention, there is provided an electronic device for financial product configuration, comprising:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method provided by the first aspect of the embodiments of the present invention.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method provided by the first aspect of embodiments of the present invention.
FIG. 6 illustrates an exemplary system architecture 600 of a method of or apparatus for assembling a financial product to which embodiments of the present invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 serves to provide a medium for communication links between the terminal devices 601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. The terminal devices 601, 602, 603 may have various client applications installed thereon, such as a bank-type application, a stock investment-type application, a financing-type application, etc. (by way of example only).
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 605 may be a server providing various services, such as a background management server (for example only) providing support for financial websites browsed by users using the terminal devices 601, 602, 603. The background management server may analyze and perform other processing on the received data such as the financial product inquiry request, and feed back the processing result (for example, financial product information — just an example) to the terminal device.
It should be noted that the method for assembling a financial product provided by the embodiment of the present invention is generally performed by the server 605, and accordingly, the device for assembling a financial product is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprising: a product parameter module, a product component module, and a single product module. Where the names of these modules do not in some cases constitute a limitation on the modules themselves, for example, a product component module may also be described as a "module that constructs a product component model corresponding to each business function of the financial product based on the component model library".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
configuring various product parameters constituting the financial product;
constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library;
constructing a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
and according to the business requirements of the target financial products, screening a product component model list corresponding to the business requirements from the component model library, and combining product components corresponding to each product component model in the product component model list to obtain the target financial products.
According to the technical scheme of the embodiment of the invention, by layering the parameters of each product forming the financial product step by step and introducing the concepts of establishing high-cohesion and low-coupling elements, components and the like, the high-efficiency consistency of information conduction in the product assembling process can be ensured, the rapid assembly of the financial product is realized, the whole assembly process is more visualized, the configuration is convenient and efficient, the probability of operation errors is reduced, and the accuracy and the timeliness are high.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method of financial product configuration, comprising:
configuring various product parameters constituting the financial product;
constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library;
constructing a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
and according to the business requirements of the target financial products, screening a product component model list corresponding to the business requirements from the component model library, and combining product components corresponding to each product component model in the product component model list to obtain the target financial products.
2. The method of claim 1, wherein prior to filtering the list of product component models corresponding to the business need from the component model library, further comprising: confirming the existence of the product component model in the component model library; and, if the product component model does not exist in the component model library, then:
and screening a product element model list corresponding to the product component model from the element model library, combining each product element model in the product element model list to obtain the product component model, and updating the component model library.
3. The method of claim 1, wherein combining the product part corresponding to each of the product part models in the list of product part models comprises:
and screening target product components from a product component list corresponding to the product component models, and combining the target product components corresponding to each product component model in the product component model list.
4. The method of claim 1, wherein prior to screening the target product part from the list of product parts corresponding to the product part model, further comprising: confirming that the target product component exists in the product component list; and if the target product component does not exist in the product component list, instantiating the product component model to obtain the target product component.
5. The method of claim 1, wherein after obtaining the library of component models, further comprising: constructing a single product model corresponding to each single business requirement of the financial product based on the component model library to obtain a single product model library;
before screening a product component model list corresponding to the business requirement from the component model library according to the business requirement of the target financial product, the method further comprises the following steps: confirming the target financial product as a single product;
if the target financial product is a combination product, then: screening a list of single product models corresponding to a single business requirement of the target financial product from the single product model library, screening a list of product component models corresponding to remaining business requirements of the target financial product from the component model library, and combining a single product corresponding to each of the single product models in the list of single product models with a product component corresponding to each of the product component models in the list of product component models.
6. The method of claim 5, wherein screening the list of single product models from the library of single product models that correspond to the single business needs of the target financial product comprises: screening a candidate single product model list from the single product model library according to the product line and the product group to which the target financial product belongs, and screening a single product model list corresponding to the single service requirement of the target financial product from the candidate single product model list;
screening a list of product component models from the component model library corresponding to the remaining business requirements of the target financial product, comprising: and screening a candidate component model list from the component model library according to the product line and the product group to which the target financial product belongs, and screening a product component model list corresponding to the rest business requirements of the target financial product from the candidate component model list.
7. The method of any of claims 1-6, wherein the product parameters comprise: the parameter value is not an empty first product parameter, and the parameter value is an empty second product parameter;
the product component model includes: a first product component model formed from at least one first product parameter combination, a second product component model formed from at least one second product parameter combination.
8. An apparatus for financial product configuration, comprising:
a product parameter module configured to configure each product parameter constituting a financial product;
the product element module is used for constructing a product element model corresponding to each business unit of the financial product based on each product parameter to obtain an element model library;
a product component module, which constructs a product component model corresponding to each business function of the financial product based on the product parameters and the element model library to obtain a component model library; each said product component model comprising at least one said product parameter and/or at least one product element model;
and the single product module is used for screening a product component model list corresponding to the business requirement from the component model library according to the business requirement of the target financial product, and combining product components corresponding to each product component model in the product component model list to obtain the target financial product.
9. An electronic device for financial product configuration, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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