CN112738168B - Trade banking business center and business platform - Google Patents
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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- H04L41/06—Management of faults, events, alarms or notifications
- H04L41/0654—Management of faults, events, alarms or notifications using network fault recovery
- H04L41/0663—Performing the actions predefined by failover planning, e.g. switching to standby network elements
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- H04L67/01—Protocols
- H04L67/133—Protocols for remote procedure calls [RPC]
Abstract
The invention discloses a transaction banking business center and a business platform, wherein the business center comprises a plurality of capability centers, different capability centers correspond to service requirements of different fields of the business platform, the capability centers can receive corresponding instructions sent by a front desk in the business platform in a directional manner and extract data of corresponding databases, the capability centers are arranged on a financial cloud platform in a containerized dual-activity deployment manner and support flexible architecture design of dual stacks, the capability centers are arranged in a main center and a disaster recovery center of containerized dual-activity deployment, the main center and the disaster recovery center support independent operation, and the main center and the disaster recovery center operate simultaneously when in normal operation. The transaction banking center and the business platform provided by the invention are designed in a layering way through decoupling of the original system, so that the coupling degree between applications is greatly reduced, and repeated construction is reduced.
Description
Technical Field
The invention relates to the field of transaction banking, in particular to a transaction banking business center and a business platform.
Background
In the digital age, the progress of information technology and the rapid popularization of mobile internet are deeply changing the social behavior and business pattern of people. In recent years, under the large background of reducing the interest and converting the light assets, the commercial banks are not reduced in transaction bank heat, so that in order to better meet the demands of clients and improve the competitiveness, a plurality of banks begin to explore transaction banks, and the transaction banks gradually replace retail banks and become the most innovative business field of modern commercial banks. In fact, banking transactions banking is derived from the hierarchical changes in the demands of businesses for financial services. As is well known, multi-level financial requirements such as payment settlement, financial management, investment financing and the like are generated in the transaction behaviors of public customers, and transaction banking business is a practical transformation choice of commercial banking due to the fact that the transaction banking business excavates the upstream and downstream derivative values along the core enterprise transaction behaviors, has the advantages of acquiring customers and expanding assets and liabilities, but banking transformation transaction banking is not a very easy matter, and is a key element for the development of the transaction banking business from organization framework, operation idea and platform construction to product innovation. As a transaction bank for public service ballast and public digital transformation main battlefield, not the improvement extension of a certain service or the simple superposition of a certain service, but the bank is 'based on clients, the remodeling of the' present 'business concept with services as stand-up and the comprehensive transformation of the service supply form of public financial products'.
At present, the repeated construction of the original transaction bank channel system and the island phenomenon of information data are serious, so that the use experience of customers cannot be kept consistent, the service functions are coupled, and the unitized development of the service cannot be supported. Thus, it becomes necessary to build an integrated transaction bank comprehensive service platform integrating online, offline, customers, channels and products.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a transaction banking business center and a business platform, and the specific technical scheme is as follows:
on the one hand, the invention provides a transaction banking business center for constructing an information integration channel between a foreground and a background of a transaction banking business platform, wherein the information integration channel comprises a plurality of capability centers, different capability centers correspond to service requirements of different fields of the business platform, the capability centers can receive corresponding instructions sent by the foreground in the business platform in a directional manner and extract data from corresponding databases, the capability centers are arranged on a financial cloud platform in a container double-activity deployment manner and support a flexible architecture design of double stacks, the capability centers are arranged in a main center of the container double-activity deployment and a disaster recovery center, the main center and the disaster recovery center support independent operation, and when the operation is normal, the main center and the disaster recovery center operate simultaneously.
On the other hand, a transaction banking business platform is provided, which structurally comprises a business foreground, the business middle stage and a business background, and sequentially comprises a contact layer, a channel coordination layer, a capability center layer and an inline layer on a logic architecture,
the contact layer is responsible for direct interaction with a user and serves as a trigger origin of various service instructions, and comprises an external cash management platform, an enterprise internet bank, an enterprise mobile phone bank, a bank enterprise direct connection and a service post-pipe used in a row;
the channel collaboration layer comprises a business collaboration layer and a business post-management layer, wherein the business collaboration layer is used for deploying inquiry service, account transfer service, electronic account checking, financial management service, generation service, financial service, group service, international service, transaction authorization and network financing for the guest part, and the business post-management layer is used for deploying subscription management, certificate management, transaction auditing and operator management for the internal part;
the capability center layer comprises a plurality of different capability centers, wherein the types of the capability centers comprise a user center, a product center, a quota center, a review center, a fund exchange center, an integration center and a batch center, and the capability center layer can receive instructions from the business collaboration layer and the business back pipe layer and operate a distributed database after distributing the instructions to the corresponding capability centers in a directional manner;
the inline layer is capable of interfacing with an in-line application system and an external service organization system, and supports communication in an ESB/GAPS centralized service bus mode as well as a direct connection mode.
Further, a DMZ zone is set up between the channel cooperation layer and the contact layer, and information output by the contact layer enters the channel cooperation layer after passing through the DMZ zone.
Further, the system comprises a management and control layer, a data layer and an infrastructure layer from the aspect of logic architecture, wherein the management and control layer can carry out log collection and log inquiry, a database in the data layer is divided according to each logic layer and business boundaries of different capability centers, and the infrastructure layer is a financial cloud platform.
Further, file storage in the data layer uses NAS network storage and/or NFS storage.
Further, the contact layer is developed based on a mobile financial development platform that supports Weex, vue, standard H5, native, and applets.
Further, the capability center is developed through PaaS components in Power Engine10 technology platform and financial cloud platform.
Further, the service platform adopts JSF protocol of JSF component to make remote call.
Further, the service platform adopts a distributed cache component to perform distributed session management.
Further, the service platform adopts a distributed micro-service full-link monitoring component to track the calling condition of the service chain.
The technical scheme provided by the invention has the following beneficial effects:
a. the decoupling of the original system is realized, so that the coupling degree between applications is greatly reduced by the layered design;
b. repeated construction is avoided, so that data and flow can be managed and optimized in a centralized way;
c. the personalized customization of the front-end interaction page can be performed based on the guest group.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a transaction banking center provided by an embodiment of the present invention;
FIG. 2 is a schematic diagram of a dual-active deployment architecture of a transaction banking center provided by an embodiment of the present invention;
FIG. 3 is a schematic diagram of an application logic architecture of a transaction banking platform provided by an embodiment of the present invention;
fig. 4 is a schematic technical architecture of a transaction banking platform according to an embodiment of the present invention;
fig. 5 is a schematic functional architecture diagram of a financial cloud platform according to an embodiment of the present invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or device.
In one embodiment of the present invention, a transaction banking center is provided, see fig. 1, for constructing an information integration channel between a foreground and a background of a transaction banking platform, where the information integration channel includes a plurality of capability centers, different capability centers correspond to service requirements in different fields of the transaction platform, the capability centers can receive corresponding instructions sent by the foreground in the transaction platform in a directed manner and extract data from corresponding databases, see fig. 2, the capability centers are disposed on a financial cloud platform in a containerized dual-activity deployment manner, and support a flexible architecture design of dual stacks, so as to provide capabilities of a continuous, flexible, convenient and fast extension platform according to service development requirements, where the capability centers are disposed in a main center of containerized dual-activity deployment and a disaster recovery center, and where the main center and the disaster recovery center support independent operation, and where the main center and the disaster recovery center operate simultaneously in normal operation.
In one embodiment of the present invention, a transaction banking platform is provided, structurally comprising a business front, see fig. 3, said business middle and business back comprising, in order on a logical architecture, a contact layer, a channel collaboration layer, a capability center layer and an inline layer,
the contact layer is responsible for direct interaction with a user and serves as a trigger origin of various business instructions, comprises an external cash management platform, an enterprise network bank, an enterprise mobile phone bank, a bank enterprise direct connection, business rear pipes used in a row and the like, is oriented to various enterprise institutions, provides mobile phone end web end client service for financial staff of the enterprise, and has extremely large business complexity and span; the contact layer is developed based on a mobile financial development platform, and the mobile financial development platform supports Weex, vue, standard H5, native and applet, and supports applications such as APP, applet rapid development mobile banking, direct marketing banking, weChat banking, mobile OA, mobile display page and the like;
the channel collaboration layer comprises a business collaboration layer (MCA layer) and a business back management layer (MCM layer), wherein the business collaboration layer mainly deploys various services of a guest part, mainly comprises inquiry services, transfer services, electronic reconciliation, financial services, generation services, financial services, group services, international services, transaction authorization, network financing and the like, the business back management layer mainly deploys various services of an internal part, mainly comprises subscription management, certificate management transaction audit, operator management and the like, and the business collaboration layer and the business back management layer play a role of a bridge in each level and are hubs for instruction transmission;
the capability center layer comprises a plurality of different capability centers, wherein the types of the capability centers comprise a user center, a product center, a quota center, a review center, a fund exchange center, an integration center and a batch center, and the capability center layer can receive instructions from the business collaboration layer and the business back pipe layer and directly operate a distributed database after the instructions are directionally distributed to the corresponding capability centers; the capability center is developed through PaaS components in a Power Engine10 technical platform and a financial cloud platform, specifically, referring to FIG. 4, a service end where the capability center is located is integrated with the PaaS components in the financial cloud platform through the Power Engine10 technical platform, a lightweight object running and managing Engine is provided, remote call is carried out by using JSF protocol of a JSF component, and application logic of a contact layer, a channel system layer, a capability center layer and an inline layer is realized; the service end of the service platform realizes the distributed session management of the application by using a distributed cache component (R2M), and provides management functions such as fusing, degradation, monitoring and the like of a micro service link by using a distributed micro service full link monitoring component (SGM) to track the calling condition of the service link.
The internal layer can be in butt joint with an in-line application system, other peripheral systems in the line and an external service mechanism system, and supports communication in an ESB/GAPS centralized service bus mode and a direct connection mode, so that complicated financial service supply and light business logic processing of a transaction center are supported.
A DMZ zone is set between the channel coordination layer and the contact layer, referring to fig. 2, and information output by the contact layer enters the channel coordination layer after passing through the DMZ zone.
In one embodiment of the present invention, the service platform further includes a management and control layer, a data layer and an infrastructure layer on a logical architecture, where the management and control layer is capable of log aggregation and log query, and databases in the data layer are divided according to service boundaries of each logical layer and different capability centers, and an aggregate relationship between tables is analyzed, and the tables in the databases are split vertically and divided into the following libraries: 1) User center library: the system comprises user information, account information, authentication information, contract information and the like; 2) Limit center: including user quota, account quota, etc.; 3) Product center: product synchronization information, product classification definition, product sales control and the like are contained; 4) Rechecking center: the flow of auditing, authorization information, the grounding of auditing data and the like; 5) A funds exchange center: card bin, transfer routing information, etc.; 6) Integration center: integral management and the like; 7) Other: such as channels, rear pipes, etc. Disaster recovery is realized by a main and standby mode of db2, and high availability is provided; the file storage in the data layer uses NAS network storage and/or NFS storage, the application of the file storage end in the data layer deployed in the container cloud uses NAS network storage, data transmission is realized based on a standard network protocol, file sharing and data backup are provided for computers of various different operating systems such as Windows/Linux/Mac OS in the network, the file server uses NFS storage, data is stored in a layered structure, the data is stored in files and folders, and the same format is used for storage and retrieval.
The infrastructure layer is a financial cloud platform, and referring to fig. 5, the financial cloud platform comprises a container cloud management module, a configuration center module, a pipeline module, a monitoring alarm center module, a log center module, a unified authentication module and a service management module.
The system comprises a container cloud management module, a resource management submodule and an application security claim management module, wherein the container cloud management module supports convenient visual management of each module in all directions, the resource management submodule mainly comprises host management, cluster management, instance management, container management, storage management, network management and the like, and the application security claim management mainly comprises application release, life cycle management, component management, version management and the like;
the configuration center module mainly comprises traditional application configuration, micro-service configuration and service instance configuration, and has the characteristics of taking effect in real time, opening an API, issuing auditing and the like, so that various configuration actions are accurate and quick without losing safety and robustness;
the assembly line module is mainly responsible for code release related transactions, supports automatic deployment, and quantifies and simplifies the upstream Cheng Qing, so that the operation risk and the manual time are greatly reduced;
the monitoring content of the monitoring alarm center module covers the application, the platform and the components, and is provided with alarm rules, alarm notices and authority control, so that the monitoring alarm center module monitors abnormality in all-time and all-around, and the monitoring alarm center module is a direct guarantee of risk early warning and quick response problems;
the log center module covers log collection, log conversion and log summary functions, can present a single service or whole link log of a process, and greatly accelerates problem positioning;
the unified authentication module can realize single sign-on and unified authority, comprises unified authentication of users, and comprises an organization architecture, role authority and user management functions;
the service management module is responsible for service monitoring and management and mainly comprises topology management, link tracking, fusing management and gateway management. Specific functions within the above-described individual modules include, but are not limited to, those described above.
In one embodiment of the invention, through layered design, front, middle and background systems of the service are separated, and a four-layer logic architecture comprises a channel contact layer, a channel coordination layer, a capability center layer and an inline layer, so that a platform integrated design is formed, and the channel contact layer is a front-end customer service interaction function requirement, a financial capability output function requirement and a traditional channel service access requirement of a mobile phone APP, an online bank, a WeChat bank, a payment gateway and the like; the channel coordination layer is used for realizing unified access of various channels on line and off line, and realizing arrangement of services, unified service delivery, unified transaction templates, transaction control, user behavior data acquisition and the like; the capability center layer falls to the ground to serve the service requirement of each specific field of the service platform, and the function implementation and cooperation of the financial science and technology platform are realized; the inline layer is used for interfacing with an in-line system, realizing functional interaction of the channel access platform and the in-line application system, interfacing with an external service mechanism system, and realizing external product and service introduction of the channel access platform.
In one embodiment of the invention, a user sends a request to a channel coordination layer at a contact layer through the front end of a mobile phone APP, an online bank, a WeChat bank, a payment gateway and the like, the channel coordination layer gathers and sorts the request instructions to each capability center of the capability center layer, the capability center sends information requests and relevant inputs through an inline layer, an inline application system and an external service system, the inline application system and the external service system access a platform through the inline layer and output relevant data to a database, then the capability center extracts information from the corresponding database and outputs the information to the channel coordination layer, the channel coordination layer rearranges and arranges the information and feeds the information back to the contact layer, and the information is distributed to clients with different ports through the contact layer.
The transaction banking center and the business platform provided by the invention greatly reduce the coupling degree between applications through decoupling and layering design of the original system, greatly improve the development efficiency through common service multiplexing, avoid repeated construction, promote the communication standardization construction of the related system, and simultaneously enable the data and the flow to be managed and optimized in a centralized way. The service center and the service platform are wide in application range, and the public line facing guest groups comprise small and medium enterprises, group clients, institution civilians, cooperation platforms and the like, and the individualized customization of front-end interaction pages is performed based on the guest groups through guest group classification, so that the differentiated configuration of single service multi-presentation is realized; meanwhile, the service center can perform unified management on multiple services, customizing the customer group classification display function according to the template, automatically managing the functional layout by the service departments, dividing the functional layout into unitized functions, developing specific service functions according to the requirements of the responsible service departments, and rapidly connecting the single functions without interference. The customer group service is used as a center, a service group is planned, and the Business Unit (BU) development trend of the business department is supported. The crossing type progress of public business is promoted in benefit and strategy, and considerable economic benefit and huge growth space are brought.
The foregoing description of the preferred embodiments of the invention is not intended to limit the invention to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the invention are intended to be included within the scope of the invention.
Claims (10)
1. The utility model provides a trade banking center for the information integration passageway between the front and back of construction trade banking platform is in order to carry out unified management to the multiservice of trade banking platform, includes a plurality of capability centers, and the service demand in different fields of different capability centers corresponding service platform, the capability center can be directed to receive the corresponding instruction that comes from the front in the service platform to carry out data extraction to its corresponding database, the capability center adopts the setting of containerization dual activity deployment mode on financial cloud platform to support the nimble architecture design of dual stack, the capability center has the setting in the main center of containerization dual activity deployment and disaster recovery center, main center with disaster recovery center all supports independent operation, and during normal operation, main center with disaster recovery center operates simultaneously.
2. A transaction banking platform, which is characterized by structurally comprising a business front stage, a business middle stage and a business back stage according to claim 1, wherein the business front stage, the business back stage and the business back stage sequentially comprise a contact layer, a channel coordination layer, a capability center layer and an inline layer,
the contact layer is responsible for direct interaction with a user and serves as a trigger origin of various service instructions, and comprises an external cash management platform, an enterprise internet bank, an enterprise mobile phone bank, a bank enterprise direct connection and a service post-pipe used in a row;
the channel collaboration layer comprises a business collaboration layer and a business post-management layer, wherein the business collaboration layer is used for deploying inquiry service, account transfer service, electronic account checking, financial management service, generation service, financial service, group service, international service, transaction authorization and network financing for the guest part, and the business post-management layer is used for deploying subscription management, certificate management, transaction auditing and operator management for the internal part;
the capability center layer comprises a plurality of different capability centers, wherein the types of the capability centers comprise a user center, a product center, a quota center, a review center, a fund exchange center, an integration center and a batch center, and the capability center layer can receive instructions from the business coordination layer and the business back management layer and operate a distributed database after distributing the instructions to the corresponding capability centers in a directional manner, and is configured to uniformly manage multiple businesses of the transaction banking business platform;
the inline layer is capable of interfacing with an in-line application system and an external service facility system.
3. The transaction banking platform of claim 2, wherein a DMZ zone is established between the channel coordination layer and the contact layer, wherein information output by the contact layer passes through the DMZ zone before entering the channel coordination layer.
4. The transaction banking platform of claim 2, further comprising a management and control layer, a data layer and an infrastructure layer in logical architecture, the management and control layer being capable of log aggregation and log querying, databases in the data layer being partitioned according to business boundaries of each logical layer and different capability centers, the infrastructure layer being a financial cloud platform.
5. The transactional banking platform according to claim 4, wherein file stores in said data layer use NAS network stores and/or NFS stores.
6. The transactional banking platform of claim 2, wherein the contact layer is developed based on a mobile financial development platform that supports Weex, vue, standard H5, native, and applets.
7. The transactional banking platform of claim 2, wherein the capability center is developed through PaaS components in PowerEngine10 technology platform and financial cloud platform.
8. The transactional banking platform according to claim 2, wherein said banking platform is remotely invoked using the JSF protocol of JSF component.
9. The transaction banking platform of claim 2, wherein the transaction platform employs a distributed caching component for distributed session management.
10. The transaction banking platform of claim 2, wherein the transaction platform tracks call conditions of a service chain using a distributed micro-service full-link monitoring component.
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