CN111930352A - Bank financial product online method and device - Google Patents
Bank financial product online method and device Download PDFInfo
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- CN111930352A CN111930352A CN202010794670.0A CN202010794670A CN111930352A CN 111930352 A CN111930352 A CN 111930352A CN 202010794670 A CN202010794670 A CN 202010794670A CN 111930352 A CN111930352 A CN 111930352A
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Abstract
The invention provides a bank financial product online method and a device, and the method comprises the following steps: determining the service protocol information of the financial product to be online according to the foreground login area, the product type and the pre-stored service protocol of the financial product to be online; the service protocol information includes: a service protocol code, a basic template code; determining a basic template view according to the basic template codes and a pre-stored basic view database; determining a product template view according to the service protocol code and a pre-stored product template database; and determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the business database. The invention can abstract and customize the service according to the service characteristics of the bank financial products, and can realize the quick online of the service without version installation. The invention can be used in the financial field or other fields, can be used in a bank financial product system in the financial field, and is used for providing the technical support of quick online for bank financial products.
Description
Technical Field
The invention relates to a data processing technology, in particular to a data processing technology in the field of finance, and specifically relates to a bank financial product online method and device.
Background
With the rapid advance of the international strategy, branches are established in a plurality of national regions around the world by each large bank, and a bank system with good expansibility is required to realize risk management and control of international institutions. The bank system collects information through the front end and realizes business risk management by using preset business rules and processing flows in the system. When the service promotion is performed, a standard version service system is usually provided first. However, since there are great differences between the business forms and the local supervision requirements of the internal and external institutions, the internal and external institutions need to be modified according to the dimensions of areas, products and the like to meet the featured requirements, and the internal and external institutions can be on-line only after version release and installation.
The prior art bank system implementation mode mainly has the following problems: first, all needs need to be redeveloped, and the vigorous demands of different mechanisms cannot be responded to quickly. And secondly, all functions are required to be installed and deployed through versions, the research and development mode is not flexible enough, and the implementation cost is high. Thirdly, the distinctive requirements of the same business are scattered in each module of the system, a unified view is not formed, and certain difficulty is caused to the sustainability of the research.
Disclosure of Invention
In order to solve at least one problem in the prior art, an embodiment of the present invention provides an online method for banking financial products, including:
determining the service protocol information of the financial product to be online according to the foreground login area, the product type and the pre-stored service protocol of the financial product to be online; wherein the service protocol information includes: a service protocol code, a basic template code;
determining a basic template view according to the basic template codes and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
and determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database.
In this embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In the embodiment of the present invention, the determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database includes:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
determining complete view information of the product according to a pre-stored customized database, service elements and service rule information;
acquiring corresponding service data according to a service data storage position corresponding to the service protocol and a service database acquisition mode;
and determining the online financial product according to the product complete view information and the corresponding service data.
In the embodiment of the present invention, the method further includes: performing abstract processing on the bank financial products to generate a pre-stored service protocol; the method specifically comprises the following steps:
allocating service protocol codes to the bank financial products to be abstracted;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting the business elements and the business rules predefined according to the front-end login area of the bank financial product and the product category dimension as a product template view;
and storing the service protocol code, the product template view, the basic template view and the corresponding basic template code to generate a pre-stored service protocol.
Meanwhile, the invention also provides a bank financial product online device, which comprises:
the protocol information determining module is used for determining the service protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and the pre-stored service protocol; wherein the service protocol information includes: a service protocol code, a basic template code;
the basic template determining module is used for determining a basic template view according to the basic template codes and a pre-stored basic view database;
the product template determining module is used for determining a product template view according to the service protocol code and a pre-stored product template database;
and the product online module is used for determining an online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database.
In this embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In an embodiment of the present invention, the product online module includes:
a business element rule determining unit, configured to determine corresponding business elements and business rule information according to the basic template view and the product template view;
the view processing unit is used for determining complete view information of the product according to a pre-stored customized database, the service elements and the service rule information;
a service data determining unit, configured to obtain corresponding service data according to a service data storage location and a service database acquisition mode corresponding to the service protocol;
and the product production unit is used for determining the on-line financial product according to the product complete view information and the corresponding service data.
In the embodiment of the present invention, the apparatus further includes:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a pre-stored service protocol;
the protocol initialization module comprises:
the code distribution unit is used for distributing service protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
the product template processing unit is used for extracting the business elements and the business rules defined in advance according to the front-end login area and the product category dimension of the bank financial product into a product template view;
and the service protocol generating unit is used for generating a pre-stored service protocol according to the service protocol code, the product template view, the basic template view and the corresponding basic template code.
Meanwhile, the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method when executing the computer program.
Meanwhile, the invention also provides a computer readable storage medium, and a computer program for executing the method is stored in the computer readable storage medium.
The invention provides a financial product customizing method and device for quickly customizing online, which can abstract business according to the business characteristics of bank financial products, extract general product components to be popularized as standard version functions, perform distinctive customization on the standard version functions according to the dimensions of regions, products and the like, and realize quick online of the business without version installation.
The invention can be used in the financial field or other fields, can be used in a bank financial product system in the financial field, and is used for providing the technical support of quick online for bank financial products.
In order to make the aforementioned and other objects, features and advantages of the invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a method for on-line banking financial products according to the present invention;
FIG. 2 is a business model relationship diagram provided in the present embodiment;
FIG. 3 is a business model relationship diagram after conversion in this embodiment
FIG. 4 is an overall system architecture diagram of an embodiment of the present invention;
FIG. 5 is a flowchart illustrating processing steps of the protocol customizing apparatus according to the embodiment of the present invention;
FIG. 6 is a flowchart illustrating a process of a data reading apparatus according to an embodiment of the present invention;
FIG. 7 is a flowchart of a view processing apparatus according to an embodiment of the present invention;
FIG. 8 is a flow chart of a data storage device according to an embodiment of the present invention;
FIG. 9 is a block diagram of an on-line device for banking financial products according to the present invention;
fig. 10 is a schematic diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, a flow chart of an online method for banking financial products provided by the present invention includes:
step S101, determining the service protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and the pre-stored service protocol; wherein the service protocol information includes: a service protocol code, a basic template code;
step S102, determining a basic template view according to the basic template codes and a pre-stored basic view database;
step S103, determining a product template view according to the service protocol code and a pre-stored product template database;
and step S104, determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the business database.
In this embodiment of the present invention, the service protocol information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
In the embodiment of the present invention, the determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database includes:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
determining complete view information of the product according to a pre-stored customized database, service elements and service rule information;
acquiring corresponding service data according to a service data storage position corresponding to the service protocol and a service database acquisition mode;
and determining the online financial product according to the product complete view information and the corresponding service data.
Compared with the traditional business system research and development mode, the financial product customization method capable of quickly customizing the online can directly realize featured customization, reduce the system development cost, meet the requirement of quickly responding to business requirements, directly start the online after being customized according to the characteristic requirements of the foreground login area and the product type of the product, do not need version installation and deployment, and reduce the operation and maintenance cost. The distinctive demand rules of the same business and different dimensions have a complete unified view, research and development management is facilitated, and sustainability is improved.
In the embodiment of the invention, the business is abstracted according to the existing banking business management process, so that the business model shown in fig. 2 can be obtained. It includes:
service elements: the service information that the system needs to collect in the service management process includes: business type, amount, currency, region, term, interest rate information, etc.
And (4) business rules: and in the service management process, a rule expression for processing and checking is carried out according to different service scenes and service processing flows.
The service product types are as follows: the service product types are divided according to the actual form of service handling, each service product type has specific service information input and processing flow, each product type is composed of service elements and service rules, and different product types may have the same service elements and service rules.
And (4) service protocol: the service product types with similar service elements and processing flows are classified again to form service protocols, the product types of the same service protocol have similarities on the service elements, the service rules and the processing flows, and the standard of the similar division is mainly determined by the requirement of system management.
In the embodiment of the present invention, the method further includes: performing abstract processing on the bank financial products to generate a pre-stored service protocol; the method specifically comprises the following steps:
allocating service protocol codes to the bank financial products to be abstracted;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting the business elements and the business rules predefined according to the front-end login area of the bank financial product and the product category dimension as a product template view;
and storing the service protocol code, the product template view, the basic template view and the corresponding basic template code to generate a pre-stored service protocol.
The embodiment provides a financial product customizing method capable of quickly customizing online, which can abstract business according to business characteristics of bank financial products, extract general product components, popularize the components as functions of a standard version, perform distinctive customization on the functions of the standard version according to dimensions such as regions and products, and realize quick online of business without version installation.
Taking the example of the loan transaction from an enterprise to a bank, the information provided by the bank for various business requirements is different. Similarly, the loan service is performed, the mobile fund loan mainly focuses on the information of the service term, the amount, the interest rate information, the mortgage material and the like, and the parallel loan takes the relevant information of the enterprise to be parallel purchased into consideration on the basis of the information of the service term, the amount, the interest rate information, the mortgage material and the like; different service types are different for service time limit, examination and approval amount and the like which can be handled, and the invention is realized by adopting the following technical scheme in combination with banking services.
As shown in fig. 2, in the embodiment of the present invention, firstly, a service abstraction is performed according to an existing banking service management process, so that the following service model can be obtained.
Service elements: the system needs to collect service information in the service management process, such as service variety, money, currency, region, term, interest rate information, and the like.
And (4) business rules: and in the service management process, a rule expression for processing and checking is carried out according to different service scenes and service processing flows.
The service product types are as follows: the service product types are divided according to the actual form of service handling, each service product type has specific service information input and processing flow, and each product type is composed of service elements and service rules from the system perspective, and different product types may have the same service elements and service rules.
And (4) service protocol: the service product types with similar service elements and processing flows are classified again to form service protocols, the product types of the same service protocol have similarities on the service elements, the service rules and the processing flows, and the standard of the similar division is mainly determined by the requirement of system management.
As can be seen from the service model relationship diagram shown in fig. 2, the product types under the same service protocol have the same or different service elements and service rules, and the service model relationship diagram is further processed, and the converted service relationship model diagram is shown in fig. 3:
A. and (4) extracting the intersection of all the service factors and service rules with the same product types under the service protocol to form a basic template view, and popularizing the basic template view as a standard product component.
B. On the aspect of a service protocol, a product template view is formed by customizing the featured service elements and service rules through dimensions such as regions, service product types and the like and is used as a featured product component. The self-defined dimension can be added or changed according to the actual needs of the system.
C. When the system accesses the corresponding area and the product type, the service protocol to which the product type belongs obtains a basic template view, the area and the product type obtain a corresponding product template view, the two views are combined together to form a full view of the product in the designated area, and if the product template view is not defined, only the basic template view needs to be displayed.
In this embodiment, the model conversion diagram shown in fig. 3 is used to abstract the bank financial product in advance, and abstract the existing bank financial product to generate a pre-stored service protocol; the method is realized by the following steps:
allocating service protocol codes to the bank financial products to be subjected to abstract processing;
in the business view, the bank financial products are distributed with business protocol codes according to the product types to suggest the mapping relation between the business types and the business protocols;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting the business elements and the business rules predefined according to the front-end login area of the bank financial product and the product category dimension as a product template view;
and storing the service protocol code, the product template view, the basic template view and the corresponding basic template code to generate a pre-stored service protocol.
And establishing the relation between the service agreement and the product basic template and the product template from the system perspective, and determining the service agreement corresponding to the financial product according to the service elements and the agreement rules respectively corresponding to the basic template and the product template.
According to the above concept of steps a-C, in this embodiment, the service protocol, the service elements, and the service rules are customized, read, stored, and displayed in view by the protocol customizing device, the data reading device, the data storing device, and the view processing device. Fig. 4 is a schematic diagram of the overall architecture of the system according to the embodiment of the present invention.
The use of each device will be described in detail below.
(1) The protocol customizing apparatus 1:
the protocol customizing device 1 mainly realizes a complete service protocol customizing function, can customize and customize service elements, service rules and product types through the device, combines the service elements and the service rules on a product template view, and can stop the current product template view and start a new product template view.
The protocol element customization apparatus 1 mainly includes: a business element customizing device 11, a business rule customizing device 12, a product type customizing device 13, a protocol template customizing device 14 and a protocol initializing device 15. The customization information related to each sub-device in the protocol customization apparatus 1 needs to be stored persistently.
The functional use of each sub-apparatus of the protocol customizing apparatus 1 is as follows:
the service element customizing device 11:
the business elements are main information collected by a bank system, different formats can be selected according to different characteristics, such as text formats, date formats and digital formats, or radio boxes, multi-selection boxes and the like, and each type of format can be set with a required storage length. As can be seen from the business relationship model fig. 2, the same business elements exist in different business types. The system can preset general service factors such as money amount, currency, time limit unit, time limit and the like, and can customize product characteristic factors according to service requirements. And all customized elements are uniformly maintained in the business element pool.
Taking the customization of the approval amount of one business element as an example, the operation process of the business element customization device is as follows:
step S1101: entering a business element customizing device, and inquiring whether similar elements exist from an element pool according to element names and the like.
Step S1102: if there are no homogeneous elements, then element customization is initiated
Step S1103: setting element format and approving amount as digital type
Step S1104: the length of the setting element, such as the amount of money, can be set to be 17-digit integer and 5-digit decimal.
Step S1105: the element names are set, and the display of various languages, such as Chinese, English and the like, can be supported.
Step S1106: and storing the set elements into an element pool for subsequent use.
Step S1107: if the same kind of elements meeting the requirements exist, the method can be directly used.
The business rule customizing device 12:
the business rule customizing device 12 may set a related check relationship for one or more business elements, and may set a rule name, a rule control type, a rule check expression, and a check information prompt.
The control type currently supports flexible control and rigid control.
The check expression can be common regular expression, and the rule setting of the elements can be realized by using arithmetic operator, relational operator, logical operator and general function. The universal function supports must fail check, byte length check, input value range check, fixed phone and mobile phone telephone verification, IP standard check, amount check, date check and the like, and meanwhile, a self-defined check interface is reserved, and the check interface can be automatically expanded in function.
The verification prompt information is preset according to the result of the verification expression, and when the associated service elements do not meet the verification rule, prompt can be carried out according to the set content.
Taking the service start date and the service expiration date as examples, the two dates need to satisfy the following check rules:
(1) the service start date needs to be more than or equal to the current date;
(2) the service start date is required to be less than or equal to the service end date.
If not, carrying out rigidity control and giving a corresponding prompt. The operation flow of the business rule customizing apparatus 12 (precondition: required business elements already exist in the element pool) is as follows:
step S1201: entering the business rule customizing device 12, and acquiring two elements of the business start date and the business expiration date from the element pool.
Step S1202: setting a rule name: and the service date is checked, and multiple languages can be supported.
Step S1203: setting a check rule, and setting two rules according to the arithmetic expression: the service starting date is less than or equal to the service ending date, and the service starting date is greater than or equal to the current working date.
Step S1204: and setting a control type and prompt information for the expression, wherein the control type is rigid control, and the prompt information is input if the control type is not satisfied, so that multiple languages are supported.
Step S1205: and storing the maintained rule information in the system.
The product type customizing device 13:
the product category customizing device supports adding or modifying product category information in the system. The information required for customizing the product category mainly reflects the content concerned by the service view, such as the service handling form and the like. The product type has actual business significance only after being associated with the business elements and the business rules.
Taking the example of customizing a type of loan products and purchasing the loan products, the operation flow of the product type customizing device is as follows:
step S1301: entering a product type customizing device, and inquiring whether the same product exists in the system according to the product type name and the like.
Step S1302: if the same product does not exist, adding a new product type
Step S1303: the product category name is set, multi-language display such as Chinese, English and the like can be supported, and product category codes are distributed.
Step S1304: and storing the set product type information into the system for subsequent use.
Step S1305: if the product types meeting the requirements exist, the product can be directly used.
The protocol template customizing device 14:
and customizing the product template view according to the dimension preset by the system, wherein the current dimension supports the setting of the product template view according to the dimension of the region and the product type. The service elements and the rules can be added on the product view, the service elements are automatically subjected to applicability matching with available fields reserved in a service data table set in a service protocol when the service elements are added, and if the matching is successful, the service elements are successfully added.
The protocol initialization means 15:
as can be seen from the service model relationship diagram converted in fig. 3, the customization of the service elements, the service rules, the basic template and the product template is established on the service protocol, and the service protocol is a link between the service view and the system view, so that the system cannot directly and completely add a new service protocol, and the service protocol must be set in the system through the protocol initialization device.
The service protocol information includes a service protocol code, a basic template code, a service data storage location (such as information of a service data table) corresponding to the service protocol, a service data acquisition mode, and the like.
The service data table needs to provide reserved fields with enough and various types and lengths, and persistently store information such as field names and the like in service protocol information.
In order to meet the requirement of realizing fast customization online, firstly, universal product components are initialized in a system, and the special customization is realized on the basis of the universal product components to form special product components. The initialization process and the customization process are described in detail below by taking the loan transaction as an example.
Still taking the loan service as an example, the loan service can be divided into a mobile fund loan, a parallel loan and the like according to the service type, each type of product has common elements such as a service term, an amount, interest rate information, a mortgage for the mortgage, and the like, and the parallel loan also focuses on the information of the enterprises to be purchased, firstly, the service abstraction is performed, the loan service can be abstracted into a service agreement, the common elements such as the service term, the amount, the interest rate information, the mortgage for the mobile fund loan and the parallel loan and the service rule are obtained according to the intersection, the view is initialized into a basic template view, the information of the products of the loan on the information of the enterprises to be purchased has product characteristic information, and the information of the enterprises to. The above process can be divided into a general component initialization process and a characteristic product customization process.
General production initialization process:
step S1501: firstly, service abstraction is carried out, loan service is abstracted into a service protocol, and a system service protocol number is distributed.
Step 1502: the general service elements of all product types under the service agreement are clarified, the service element customizing process of the service element customizing device 11 is referred, and the service elements such as the service period, the money amount, the interest rate information, the mortgage material and the like are initialized.
Step S1503: the general business rules of all product types under the business agreement are determined, and the business rule information of factors such as the business period, the amount of money, the interest rate information, the mortgage material and the like is initialized according to the customizing flow of the business rule customizing device 12.
Step S1504: extracting the general service elements and the service rules into a basic template view, setting a basic template number, distributing storage space (such as information of a service table) for the basic template view, and confirming a service data acquisition interface.
Step S1505: and initializing and storing the service protocol, the basic template view, the universal service element and the rule in a database.
At this time, the system has initialized the standard product components of the loan service, and if a new type of featured product is needed at this time, such as a parallel loan purchase, the operation can be performed through the following process:
step S1601: the product type customizing device 13 adds a new product type, purchases the loan and is arranged under the loan service agreement.
Step S1602: inquiring whether the new product featured elements such as the enterprise information are purchased or not from the initialized element pool of the system, and if not, adding the service elements by referring to the customizing flow of the service element customizing device 11; if present, the element may be used directly.
Step S1603: and checking whether the service rule of the element exists in the service rule customizing device 12, and if not, referring to the customizing flow of the service rule customizing device 12 and adding the service rule.
Step S1603: entering the agreement template customizing device 14, a type of product template view is assigned to the product category.
Step S1604: and setting the newly added service elements and rules in the S1602 and the S1603 under the view number of the new product template.
Through the steps, the customization is completed for the loan combination purchase, and the specific data reading and view display are completed by the following devices.
As shown in fig. 5, a flowchart of processing steps of the protocol customizing apparatus in this embodiment is shown, which includes:
entering a protocol template customizing device and selecting a service protocol to be customized;
inquiring all service product types according to the service protocol;
judging whether a new product type is needed;
determining the type of a product to be newly added, and executing the step of newly adding the type of the product by a product type customizing device and hanging the newly added product type to a current service protocol;
determining that a product type does not need to be newly added, displaying a basic template view according to service protocol information, and simultaneously inquiring an effective product view template according to the region and service type dimensions;
judging whether the element pool has service elements meeting the requirements or not;
if not, entering a business element customizing device, customizing the business elements, and hanging the business elements to the current product view;
after the service elements meeting the requirements are judged or the user-defined elements are executed, the service elements are subjected to applicability matching with reserved fields of a service data table, and the corresponding relation is stored;
the service rule element device sets a rule expression for the service elements in the complete view according to the service scene;
the system automatically generates a new product template view, and sets the version of the new product template view as an enterprise;
according to the business needs, if the business needs, the newly set product template view is set to be used through the version starting function, and the old product template view is set to be history.
(2) The data reading device 2:
the device automatically acquires the dimensionality of the selected region, the product type and the like logged in by the foreground of the system, inquires the permanently stored customized information including service protocol information, a product template view, a basic template view and corresponding service elements and rules according to the conditions specified by the foreground, acquires corresponding service data according to the storage position of a service data table configured by a service protocol, converts the customized information and the service data into XML information, and sends the XML information to the view processing device 4.
The data reading device 2 needs to provide a standardized data reading interface, and the service module user of the present invention implements the service data reading logic and initializes the service data reading logic in the service protocol information.
As shown in fig. 6, the processing flow of the data reading apparatus 2 includes:
step S201: and acquiring information such as the login area, the service product type and the like through the front end, and acquiring service protocol information according to the customized information.
Step S202: and obtaining the view code of the basic product according to the service protocol code.
Step S203: and obtaining a product template view code according to the region, the service product type and the service protocol code, wherein if the product template view is not defined, the product template view does not need to be obtained.
Step S204: and respectively acquiring the business elements and the rule information according to the basic product view and the product template view.
Step S205: and acquiring the service data from the service data table through a data reading interface configured in the service protocol, and assigning the service data to the service elements.
Step S206: and formatting the customization information and the service data of the complete view into XML data, and sending the XML data to the view processing device 4.
The view processing device 4:
the view processing device 4 mainly displays customized information according to the specification, and realizes the input and acquisition of service information, and needs to realize the following functions according to the specification:
and analyzing the XML information provided by the data reading device 2 by using a front-end technology, displaying the service elements on a foreground according to a specified type format, and assigning the service data to the corresponding service elements. The front-end technology can use common JSP, Vue, PHP and other technologies.
And providing a standardized data acquisition interface, acquiring the business element information input at the front end, converting the business data into an XML format when persistence is required, transmitting the XML format to the data storage device 3, and performing business data persistence.
Other expansion interfaces of the view processing device are realized as required, and the functions are only expanded.
The processing flow of the view processing device 4 is shown in fig. 7:
step S301: XML format data is received from the data reading device 2.
Step S302: and analyzing and displaying the XML format data through a front-end display technology such as JSP, Vue, PHP and the like.
Step S303: and acquiring service element information input by the front end, verifying the service rule, and prompting according to pre-customized prompt information if the verification fails.
Step S304: and formatting the business data which is acquired by the front end and passes the business rule verification into XML data through a standardized data acquisition interface, and transmitting the XML data to the data storage device 3.
The data storage device 3:
the data storage device 3 receives the service data in the XML format collected by the view processing device 4, acquires a standard data processing interface corresponding to the service protocol according to the customized information, and persists the service data to a service data table.
The data storage device 3 needs to provide a standardized data storage interface, implement service data storage logic by the user of the invention, and initialize in the service protocol information.
The data storage device processing flow is shown in fig. 8:
step S401: XML formatted data is received from a view processing device.
Step S402: and acquiring the corresponding relation between the service data and the service elements and the field of the service data table according to the customized information.
Step S403: and obtaining a standardized data storage interface corresponding to the service data through the service protocol information to perform persistent storage.
The embodiment provides a financial product customizing method through fast customizing online, which can abstract business according to the business characteristics of bank financial products, extract general product components, popularize the components as standard version functions, perform distinctive customization on the standard version functions according to the dimensions of regions, products and the like, and realize fast online business without version installation.
Meanwhile, the present invention also provides a banking financial product on-line device, as shown in fig. 9, including:
the protocol information determining module 901 is used for determining the service protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and the pre-stored service protocol; wherein the service protocol information includes: a service protocol code, a basic template code;
a basic template determining module 902, configured to determine a basic template view according to the basic template codes and a pre-stored basic view database;
a product template determining module 903, configured to determine a product template view according to the service protocol code and a pre-stored product template database;
and a product online module 904, configured to determine an online financial product according to the basic template view, the product template view, the pre-stored customized database, and the service database.
In the embodiment of the invention, the product online module comprises:
a business element rule determining unit, configured to determine corresponding business elements and business rule information according to the basic template view and the product template view;
the view processing unit is used for determining complete view information of the product according to a pre-stored customized database, the service elements and the service rule information;
a service data determining unit, configured to obtain corresponding service data according to a service data storage location and a service database acquisition mode corresponding to the service protocol;
and the product production unit is used for determining the on-line financial product according to the product complete view information and the corresponding service data.
In the embodiment of the present invention, the apparatus further includes:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a pre-stored service protocol;
the protocol initialization module comprises:
the code distribution unit is used for distributing service protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
the product template processing unit is used for extracting the business elements and the business rules defined in advance according to the front-end login area and the product category dimension of the bank financial product into a product template view;
and the service protocol generating unit is used for generating a pre-stored service protocol according to the service protocol code, the product template view, the basic template view and the corresponding basic template code.
For those skilled in the art, the implementation of the on-line device for bank financial products according to the present invention can be clearly understood from the foregoing description of the embodiments, and will not be described herein again.
The present embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, and the like, but is not limited thereto. In this embodiment, the electronic device may refer to the embodiments of the method and the apparatus, and the contents thereof are incorporated herein, and repeated descriptions are omitted.
It should be noted that the method and apparatus for online banking financial products disclosed by the present disclosure may be used in the banking field including but not limited to online and processing of banking financial products, and may also be used in any field other than the banking field.
Fig. 10 is a schematic block diagram of a system configuration of an electronic apparatus 600 according to an embodiment of the present invention. As shown in fig. 10, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. Notably, this diagram is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the on-line function of the bank financial product can be integrated into the central processor 100. The central processor 100 may be configured to control as follows:
determining the service protocol information of the financial product to be online according to the foreground login area, the product type and the pre-stored service protocol of the financial product to be online; wherein the service protocol information includes: a service protocol code, a basic template code;
determining a basic template view according to the basic template codes and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
and determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database.
In another embodiment, the on-line device of the bank financial product may be configured separately from the central processor 100, for example, the on-line device of the bank financial product may be configured as a chip connected to the central processor 100, and the on-line function of the bank financial product is realized by the control of the central processor.
As shown in fig. 10, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in FIG. 10; furthermore, the electronic device 600 may also comprise components not shown in fig. 10, which may be referred to in the prior art.
As shown in fig. 10, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.
The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.
Embodiments of the present invention also provide a computer-readable program, where when the program is executed in an electronic device, the program causes a computer to execute the online method of banking financial products in the electronic device as described in the above embodiments.
The embodiment of the present invention also provides a storage medium storing a computer-readable program, wherein the computer-readable program enables a computer to execute the online of the bank financial product described in the above embodiment in an electronic device.
The preferred embodiments of the present invention have been described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments that fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. An online method for bank financial products is characterized by comprising the following steps:
determining the service protocol information of the financial product to be online according to the foreground login area, the product type and the pre-stored service protocol of the financial product to be online; wherein the service protocol information includes: a service protocol code, a basic template code;
determining a basic template view according to the basic template codes and a pre-stored basic view database;
determining a product template view according to the service protocol code and a pre-stored product template database;
and determining the online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database.
2. The method of claim 1, wherein the transaction agreement information further comprises: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
3. The method as claimed in claim 2, wherein the determining of the financial product online based on the basic template view, the product template view, the pre-stored customized database and the business database comprises:
respectively determining corresponding business elements and business rule information according to the basic template view and the product template view;
determining complete view information of the product according to a pre-stored customized database, service elements and service rule information;
acquiring corresponding service data according to a service data storage position corresponding to the service protocol and a service database acquisition mode;
and determining the online financial product according to the product complete view information and the corresponding service data.
4. The method for putting financial products of bank online according to claim 3, wherein said method further comprises: performing abstract processing on the bank financial products to generate a pre-stored service protocol; the method specifically comprises the following steps:
allocating service protocol codes to the bank financial products to be abstracted;
extracting general business elements and general business rules of the bank financial products as basic template views and distributing corresponding basic template codes;
extracting the business elements and the business rules predefined according to the front-end login area of the bank financial product and the product category dimension as a product template view;
and storing the service protocol code, the product template view, the basic template view and the corresponding basic template code to generate a pre-stored service protocol.
5. An online device for bank financial products, comprising:
the protocol information determining module is used for determining the service protocol information of the financial product to be online according to the foreground login area of the financial product to be online, the product type and the pre-stored service protocol; wherein the service protocol information includes: a service protocol code, a basic template code;
the basic template determining module is used for determining a basic template view according to the basic template codes and a pre-stored basic view database;
the product template determining module is used for determining a product template view according to the service protocol code and a pre-stored product template database;
and the product online module is used for determining an online financial product according to the basic template view, the product template view, the pre-stored customized database and the service database.
6. The on-line device for banking financial products according to claim 5, wherein said transaction agreement information further includes: and a service data storage position and a service data acquisition mode corresponding to the service protocol.
7. The on-line device of bank financial products according to claim 6, wherein said product on-line module comprises:
a business element rule determining unit, configured to determine corresponding business elements and business rule information according to the basic template view and the product template view;
the view processing unit is used for determining complete view information of the product according to a pre-stored customized database, the service elements and the service rule information;
a service data determining unit, configured to obtain corresponding service data according to a service data storage location and a service database acquisition mode corresponding to the service protocol;
and the product production unit is used for determining the on-line financial product according to the product complete view information and the corresponding service data.
8. The on-line device for banking financial products according to claim 7, wherein said device further comprises:
the protocol initial module is used for carrying out abstract processing on the bank financial products to generate a pre-stored service protocol;
the protocol initialization module comprises:
the code distribution unit is used for distributing service protocol codes to the bank financial products to be subjected to abstract processing;
the basic template processing unit extracts general service elements and general service rules of the bank financial products as basic template views and distributes corresponding basic template codes;
the product template processing unit is used for extracting the business elements and the business rules defined in advance according to the front-end login area and the product category dimension of the bank financial product into a product template view;
and the service protocol generating unit is used for generating a pre-stored service protocol according to the service protocol code, the product template view, the basic template view and the corresponding basic template code.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN112685485A (en) * | 2021-01-04 | 2021-04-20 | 拉卡拉支付股份有限公司 | Data acquisition method, data acquisition device, electronic equipment, storage medium and program product |
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