CN116339724A

CN116339724A - Architecture method of multi-scene-demand financial service platform, storage medium and electronic equipment

Info

Publication number: CN116339724A
Application number: CN202310343183.6A
Authority: CN
Inventors: 封彬; 龚文清; 樊英杰
Original assignee: Tianjin First Love Digital Information Technology Co ltd
Current assignee: Tianjin First Love Digital Information Technology Co ltd
Priority date: 2023-04-03
Filing date: 2023-04-03
Publication date: 2023-06-27

Abstract

The invention relates to a construction method of a multi-scene-demand financial service platform, which comprises the following steps: the process of various financial loan businesses is subjected to function refinement and integration; aiming at the service system required by the service flow, developing a standard service module, and constructing a standardized component library for standby; when new financial loan business development requirements are met, selecting a business module suitable for new financial loan business from a standardized component library for standby, performing secondary development aiming at a different business flow part to form a secondary developed business module, adding the selected business module and the secondary developed business module, performing superposition and integration to form a new financial service platform system, and storing the secondary developed business module into the standardized component library for standby. Compared with the prior art, the invention improves the development and update speed, meets more requirements of clients, and improves the satisfaction of the clients.

Description

Architecture method of multi-scene-demand financial service platform, storage medium and electronic equipment

Technical Field

The invention relates to the technical field of financial service platform development, in particular to a construction method, a storage medium and electronic equipment of a multi-scenario demand financial service platform.

Background

Along with the evolution of scene finance, a large number of scene finance services are built together and built by the platform, and a complete set of service system support is needed based on each scene, wherein the service capabilities comprise a user center, a product center, a contract center, a rights center and the like, and the digitization capabilities comprise user portraits, recommendation models, federal computing and the like. Banking and platform parties are striving to build more scenes, covering all aspects of life, learning, work, which results in fragmentation of the scene and agility requirements for scene construction.

The traditional network credit system is generally developed in a vertical shaft mode, namely, a customized system flow is designed according to the type of an online credit product, a new system is arranged on a new service, the special machine is used for a special purpose, the resource waste is large, and each module is highly coupled and pulls a whole body.

With the application of the Internet technology, the general finance is widely popularized, and the characteristics of the customer group objects and the businesses of the general finance determine the capabilities of product fragmentation, short online period and frequent business change, and the businesses and technologies need to be deconstructed like building blocks, so that the business needs are flexibly configured and met.

More information about the above solutions can also be found in the following documents:

in the patent with the patent publication number of CN112738168A, a transaction banking business center and a business platform are disclosed, 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 from corresponding databases of the capability centers, the capability centers are arranged on a financial cloud platform in a container double-activity deployment manner and support flexible architecture design of double stacks, the capability centers are arranged in a main center and a disaster recovery center of the container double-activity deployment, the main center and the disaster recovery center support independent operation, and when the business platform operates normally, the main center and the disaster recovery center operate simultaneously. 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.

In the process of implementing the present invention, the inventor finds that the following problems exist in the prior art:

in the prior art, the prior system is decoupled and designed in a layering manner, and a standardized component library is not established, so that the multi-scenario-requirement financial service platform is slow to develop and update and does not meet the requirements of clients.

Disclosure of Invention

In view of the above problems, the present application provides a method for constructing a multi-scenario-requirement financial service platform, a storage medium, and an electronic device, which are used for solving the technical problems in the prior art that the development and update of the multi-scenario-requirement financial service platform are slow and do not meet the requirements of clients due to the decoupling and layered design of an original system and the lack of establishment of a standardized component library.

To achieve the above object, in a first aspect, the present inventors provide a method for constructing a multi-scenario demand financial service platform, comprising the steps of:

the various financial loan business processes are functionally refined and integrated to sort out the following processes,

s101, public management before lending: business part, identity authentication, willingness authentication, signing of authorization related protocol and data collection;

s102, public management in lending: data wind control approval, wind control admission, wind control credit, approval management, credit management, letter management and cash release management;

s103, public function after lending: bill management, repayment management, asset five-stage classification, post-credit check, purchase compensation and collection urging management;

aiming at the service system required by the service flow, developing a standard service module, and constructing a standardized component library for standby;

when new financial loan business development requirements are met, selecting a business module suitable for new financial loan business from a standardized component library for standby, performing secondary development aiming at a different business flow part to form a secondary developed business module, adding the selected business module and the secondary developed business module, performing superposition and integration to form a new financial service platform system, and storing the secondary developed business module into the standardized component library for standby.

Compared with the prior art, the technical scheme is characterized in that the flow of various financial loan businesses is functionally refined and integrated, and a sufficient number of standard business modules are built in advance, so that new financial business forms such as consumption finance, vehicle loan, credit loan and the like can be supported, standardized components of various financial scene modes can be quickly manufactured and copied through a production line, when new financial loan business development requirements are met, only different business flow parts are required to be developed, overlapped and integrated, further, the secondarily developed business modules are stored in a standardized component library and are reserved for use in next development, the development updating speed is improved, more requirements of customers are met, and the customer satisfaction is improved.

As one implementation mode of the invention, different processes of financial loan products are disassembled and combined, a financial service platform system is disassembled into a unified feeding management subsystem, a core business processing subsystem and a fund party management subsystem, the unified feeding management subsystem is used for public management before loan, the core business processing subsystem is used for public management in loan, user management and public management after loan, the fund party management subsystem is used for unified docking of fund parties, a standardized component library applied by the three subsystems is established, parts can be flexibly taken in the standardized component library aiming at different scenes and on-line of different businesses, and the business process can be custom-expanded, so that the on-line of the rapid unitized products is realized.

Therefore, the financial service platform system can be disassembled into the unified feeding management subsystem, the core business processing subsystem and the fund party management subsystem, a standardized component library applied by the three subsystems is built, a custom-extended interface is reserved, and when new financial loan business development requirements are received subsequently, the online of a new financial loan service platform can be realized rapidly, and the development efficiency is improved.

As an implementation mode of the invention, the multi-scenario demand financial service platform is constructed based on a micro-service architecture technology, and when any subsystem is modified, the other two subsystems can normally and independently operate.

Therefore, through the micro-service architecture, when any subsystem is modified, the other two subsystems can normally and independently operate, the system updating flexibility is high, the system updating is simple and low in cost, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

As an implementation mode of the invention, the configuration of the business process can be realized by dragging canvas operation, each business module has independence, and the business modules are loosely coupled.

Therefore, the whole business process configuration can be realized only by dragging and canvas configuration, and the method can be embodied in the process configuration of the in-process and the audit process configuration, so that the iteration speed of the system can be improved, and the module processing is quick and quick.

As an implementation mode of the invention, the unified feed management subsystem comprises a service configuration module, a cost configuration module, a contract configuration module, a product configuration module and a short message template configuration module, and various financial loan services can directly complete product element configuration and service flow configuration at the corresponding modules without the need of code development in the background.

Therefore, no matter the product is a consumer credit, a vehicle credit or a small micro credit, the product element configuration and the business flow configuration can be directly completed in the corresponding module, and the code development is not needed in the background; from a large direction, sharing service capabilities: when the business mode and business difference of each plate of the group are large, the system has strong flexibility, can adapt to various business modes, enables each resource link of the group, opens business lines of B end, C end, after-sales and the like, and can be adapted to the platform according to business flow when the whole group resource needs to be integrated.

As an implementation mode of the invention, the unified feed management subsystem further comprises an approval process configuration module, wherein the approval process configuration module is process configuration for providing manual approval service, approval nodes can be configured for the approval process, and the approval nodes can set approval levels according to the business.

Thus, the credit reviewer can configure the approval node by himself and can expand multi-stage approval according to the service requirement; and frequent maintenance and updating of developers are not required.

As one implementation mode of the invention, the unified feed management subsystem also comprises a feed management module, after the front end of the user finishes the financial loan request, the feed information of the user is uploaded to the feed management module, and the feed information can be checked and maintained in the feed management module;

after the entering of the client is finished, the wind control system can be automatically docked and called to enter the admission wind control and the credit wind control treatment of the client, and the entering of the client can be automatically passed, automatically blocked or manually approved according to the wind control report returned by the wind control system;

after the user finishes the mail feeding, the mail feeding result of the user is recorded in the credit management after the automatic approval of the wind control system or the manual approval of the business system.

Therefore, the feeding management subsystem is communicated with the wind control system, can be matched with the wind control system to carry out automatic approval and credit giving, does not need to manually participate in wind control and credit giving wind control, and improves credit giving efficiency.

As an implementation mode of the invention, the unified feed management subsystem can set different basic feed data requirements in the background according to different financial loan businesses, can customize users to upload specific data, and can configure new businesses under the condition of not using development.

Therefore, the front-end part application materials and the part feeding flow sequence can be matched, part feeding information which accords with own business is configured in a defined front-end part feeding data pool according to business needs, development is not required, and development pressure is reduced.

To achieve the above object, in a second aspect, the present inventors have provided a storage medium storing a computer program which, when executed by a processor, implements the method steps as described in any one of the above.

To achieve the above object, in a third aspect, the present inventors provide an electronic device, including a processor and a storage medium, the storage medium being the above-described storage medium;

the processor is configured to execute a computer program stored in the storage medium to implement the method steps as described in any one of the preceding claims.

Compared with the prior art, the technical scheme of the application is characterized in that the process of various financial loan services is functionally refined and integrated, and a sufficient standard service module is built in advance, so that a new financial service form such as consumption finance, vehicle loan, credit loan and the like can be supported, standardized components of various financial scene modes can be quickly manufactured and copied through a production line, when new financial loan service development requirements are met, only different service process parts are required to be developed, overlapped and integrated, and further the secondarily developed service module is stored in a standardized component library for use in next development, the development and updating speed is improved, more requirements of customers are met, and the customer satisfaction is improved.

The foregoing summary is merely an overview of the present application, and is provided to enable one of ordinary skill in the art to make more clear the present application and to be practiced according to the teachings of the present application and to make more readily understood the above-described and other objects, features and advantages of the present application, as well as by reference to the following detailed description and accompanying drawings.

Drawings

The drawings are only for purposes of illustrating the principles, implementations, applications, features, and effects of the present application and are not to be construed as limiting the application.

In the drawings of the specification:

FIG. 1 is a flow chart of a method of architecture of a multi-scenario, demand financial services platform according to one embodiment of the present application;

FIG. 2 is a block diagram of an electronic device according to one embodiment of the present application;

FIG. 3 is a schematic diagram of a construction idea of a multi-scenario demand financial service platform according to an embodiment of the present application;

FIG. 4 is a schematic diagram of a system architecture of a multi-scenario demand financial service platform according to one embodiment of the present application;

FIG. 5 is a functional architecture diagram of a multi-scenario, demand financial services platform according to one embodiment of the present application;

FIG. 6 is a block diagram of a unified feed management subsystem according to one embodiment of the present application;

FIG. 7 is a schematic diagram of an approval process configuration module of a unified feed management subsystem according to one embodiment of the present application;

FIG. 8 is a schematic diagram of a parts-in management module of a unified parts-in management subsystem according to one embodiment of the present application;

FIG. 9 is a schematic diagram of an approval process and an approval history of the unified feed management subsystem according to an embodiment of the present application;

FIG. 10 is a schematic diagram of a custom user upload node and sequence number of a unified feed management subsystem according to one embodiment of the present application;

FIG. 11 is a schematic diagram of the payoff management of a core business processing subsystem according to one embodiment of the present application;

fig. 12 is a schematic diagram of a sponsor docking of a sponsor management subsystem according to one embodiment of the present application.

Reference numerals referred to in the above drawings are explained as follows:

10. an electronic device;

101. a processor;

102. a storage medium.

Detailed Description

In order to describe the possible application scenarios, technical principles, practical embodiments, and the like of the present application in detail, the following description is made with reference to the specific embodiments and the accompanying drawings. The embodiments described herein are only used to more clearly illustrate the technical solutions of the present application, and are therefore only used as examples and are not intended to limit the scope of protection of the present application.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of the phrase "in various places in the specification are not necessarily all referring to the same embodiment, nor are they particularly limited to independence or relevance from other embodiments. In principle, in the present application, as long as there is no technical contradiction or conflict, the technical features mentioned in the embodiments may be combined in any manner to form a corresponding implementable technical solution.

Unless defined otherwise, technical terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present application pertains; the use of related terms herein is for the description of specific embodiments only and is not intended to limit the present application.

In the description of the present application, the term "and/or" is a representation for describing a logical relationship between objects, which means that there may be three relationships, e.g., a and/or B, representing: there are three cases, a, B, and both a and B. In addition, the character "/" herein generally indicates that the front-to-back associated object is an "or" logical relationship.

In this application, terms such as "first" and "second" are used merely to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual number, order, or sequence of such entities or operations.

Without further limitation, the use of the terms "comprising," "including," "having," or other like terms in this application is intended to cover a non-exclusive inclusion, such that a process, method, or article of manufacture that comprises a list of elements does not include additional elements but may include other elements not expressly listed or inherent to such process, method, or article of manufacture.

As in the understanding of the "examination guideline," the expressions "greater than", "less than", "exceeding", and the like are understood to exclude the present number in this application; the expressions "above", "below", "within" and the like are understood to include this number. Furthermore, in the description of the embodiments of the present application, the meaning of "a plurality of" is two or more (including two), and similarly, the expression "a plurality of" is also to be understood as such, for example, "a plurality of groups", "a plurality of" and the like, unless specifically defined otherwise.

The research of the applicant finds that standardized components of various financial scene modes can be quickly manufactured and copied through a production line, and when new financial loan service development requirements are met, only different service flow parts are required to be developed, overlapped and integrated, so that the development and updating speed is improved, more requirements of customers are met, and the customer satisfaction is improved.

The architecture method, the storage medium and the electronic device of the multi-scenario-requirement financial service platform can be applied to various application scenarios of the financial loan service platform.

Referring to fig. 1 to 12, according to some embodiments of the present application, the present embodiment relates to a method for constructing a multi-scenario demand financial service platform, comprising the following steps:

The on-line consumption multi-scene demand financial service platform creates an ecological circle of automobile financial service. The realization of the platform can assist the product layout of the existing service and the innovative service, and provides continuous support for consolidating and expanding barriers. The system and the method rely on the synergistic effect of the combination of a host factory and financial science and technology, play the high-applicability advantage in multiple scenes of a single group, integrate multiple services such as vehicle loan, vehicle credit, comprehensive consumption loan, general business loan, member equity and the like, provide comprehensive services of vehicle finance, vehicle after-market finance and non-vehicle finance for customers in the automobile industry and customers in other industries, and continuously create value for the host factory and the dealer partner.

Meanwhile, the platform takes the client requirement as a guide to carry out fine insight and operation, and promotes full-link and multi-level transition of an active customer touching strategy. All-round management and control product, flow and user experience support the flow input of "thousand people thousand face", to user identification and classification, leading fund side, the product of polishing jointly, nimble product configuration, the construction product ecology, accurate location user demand pain point realizes the flow and turns out. Allowing the user to feel the customization of products and services.

The foreground service expansion is efficient and convenient, and the foreground supports flexible configuration and quick online of product elements by providing a large number of standardized components. The method is modularized and componentized for common functions in the whole life cycle before, during and after credit finance credit, and realizes shared service, thereby avoiding the traditional IT vertical shaft type development, and meeting the requirements of rapid innovation of foreground business and product trial and error after forming shared service capability for reusable service construction and flow.

The construction thought of the online consumption financial service platform is shown in fig. 3, and credit financing business under multiple scenes of individuals and small micro enterprises is taken as a core, so that the credit system requirements of different modes are met, the platform sharing thought is highlighted, the service multiplexing capability is enhanced, and the business response efficiency is improved.

The overall architecture of the system is shown in fig. 4. The functional architecture is shown in fig. 5.

According to some embodiments of the present application, optionally, different processes of financial loan products are disassembled and combined, the financial service platform system is disassembled into a unified component management subsystem, a core business processing subsystem and a fund party management subsystem, the unified component management subsystem is used for public management before loan, the core business processing subsystem is used for public management in loan, user management and public management after loan, the fund party management subsystem is used for unified docking process of fund party, a standardized component library applied by the three subsystems is established, parts can be flexibly taken in the standardized component library for different scenes and online of different businesses, and the business process can be expanded in a customized manner, thereby realizing rapid unitization of product online.

According to some embodiments of the present application, optionally, the multi-scenario-requirement financial service platform is constructed based on a micro-service architecture technology, and when any one of the subsystems is modified, the other two subsystems can operate normally and independently.

The multi-scenario demand financial service platform in the embodiment is built based on a micro-service architecture, which is a new technology for deploying applications and services in the cloud. The micro-service may run in a "self-program" and communicate with the HTTP API through a "lightweight device". The key is that the service can run in its own program. In a micro-service architecture, only the required functionality needs to be added to a particular service, without affecting the overall process architecture.

The system discards the traditional centralized architecture, adopts the design of a distributed core architecture, and each subsystem can be independently butted to provide service, so that the defect that the whole process is required to be modified when the original new product is on line is avoided, the product on-line modification cost is minimized, and the service demand of service design structuring is responded.

According to some embodiments of the present application, optionally, configuration of the business process may be achieved by dragging the canvas, where each business module has independence, and the business modules are loosely coupled.

Therefore, the whole business process configuration can be realized only by dragging and canvas configuration, and the method can be embodied in the process configuration of the in-process and the audit process configuration, so that the iteration speed of the system can be improved, and the module processing is quick and quick. As shown in fig. 7 and 10.

According to some embodiments of the present application, optionally, the unified feed management subsystem includes a service configuration module, a fee configuration module, a contract configuration module, a product configuration module, and a short message template configuration module, where various financial loan services can directly complete product element configuration and service flow configuration in the corresponding modules, and no background code development is required. As shown in particular in fig. 6.

The product factory is configured in an assembly mode, product elements are flexibly configured aiming at products of different business scenes, and business, cost, interest rate, contract templates, short message templates and sponsor management are configured. Only the corresponding components or modules are selected for configuration according to project requirements. The system provides a plurality of functional components such as product management, contract management, sponsor management and the like, and can directly configure contents in corresponding modules when new products are online or old products are iterated, so that the configuration can be effective in real time, and operation logs are synchronously reserved for backtracking in the future.

According to some embodiments of the present application, optionally, the unified feed management subsystem further includes an approval process configuration module, where the approval process configuration module is a process configuration for providing a manual approval service, and may configure an approval node for the approval process, where the approval node may set an approval level according to a service. As particularly shown in fig. 7.

According to some embodiments of the present application, optionally, the unified feed management subsystem further includes a feed management module, after the front end completes the financial loan request, the feed information of the user is uploaded to the feed management module, and the feed management module can check and maintain the feed information; as shown in particular in fig. 8.

According to some embodiments of the present application, optionally, the unified feed management subsystem may set different basic feed data requirements in the background according to different financial loan services, and may customize a user to upload specific data, and may configure a new service without development. As particularly shown in fig. 10.

According to some embodiments of the present application, optionally, the core traffic processing subsystem includes the steps of,

after the approval of the credit of the new user passes, the final approval credit and the validity period thereof are obtained, and then the credit management module is notified, the credit management reads the corresponding credit template according to the user type, creates a corresponding customer credit tree, sets the total credit amount and the open credit amount for the customer, and serves as the root node of the credit tree;

according to different segmentation dimensions, the upper layer line nodes are subjected to refinement segmentation to form a plurality of line nodes extending from a root node, the circulating credit comprehensive line and the special line are respectively recorded, each customer only has one circulating credit main file record, but for one-time loan type parts, one loan line information is produced according to each part;

after the old user gives credit again, the customer establishes comprehensive credit, and the final approval credit and the effective period thereof are obtained after approval pass, the credit management is informed of the credit management, the corresponding customer credit tree is updated according to the credit template corresponding to the user type, and then the information of the customer credit tree is synchronously updated when the user initiates a borrowing application;

borrowing management, namely after a client finishes credit giving and obtains a credit limit for a circulation business product, checking and checking borrowing and supporting at the front end, and uniformly managing all borrowing and supporting by a borrowing management function;

and after the approval of the borrowing branch of the customer passes, automatically generating a money-releasing record by the system according to the credit application record, calling a payment interface to carry out online money-releasing, if the money-releasing fails, providing a manual money-releasing function in the money-releasing management, manually calling the money-releasing, and automatically updating the money-releasing state and generating a repayment plan by the system after the money-releasing is successful. As shown in particular in fig. 11.

Thus, from credit approval to credit approval, from paying to repayment, the whole flow system is automatic without special treatment of personnel.

According to some embodiments of the present application, optionally, the core traffic processing subsystem further comprises the step of,

after successful payment, the platform automatically generates a bill record according to the payment information, wherein the bill record comprises borrowing information, refund information, actual refund information, residual refund information, overdue information and payment state information;

repayment management can be supported by clients according to different dimensions;

contract management, wherein all agreements and contracts which need to be signed in business products are recorded and checked in the contract management by clients, and the contract signing supports online electronic signing and also supports online signing and online signing uploading modes;

the clients are managed in a unified way, the client data of cross departments and cross services are communicated, and support is provided for perfecting client portraits and developing big data analysis.

Thus, the contract is automatically generated, and the system automatically generates and can sign electronically after acquiring the parameters according to the parameters defined by the contract template.

the payment and account elimination management system is configured according to the order of the items to be paid, and after automatic payment or active payment according to customers, the payment records can automatically account the account elimination of each sub item of the bill and synchronously record the payment state condition in borrowing;

transaction reconciliation management, wherein the system acquires a fund party or an external three-party payment record, and supports automatic settlement and automatic reconciliation.

Therefore, the system can automatically early warn business risk points, and can generate and export records or associated report information such as borrowing, bill, repayment and the like aiming at a report or a machine account required by business or finance.

According to some embodiments of the present application, optionally, the funding party management subsystem includes the steps of,

fund party management, wherein the fund party management is to dock external fund parties by a platform, and unified docking and management are carried out in the fund party management, wherein the fund party management comprises fund party basic information, fund party product information and service period information provided by the fund party;

and the financing record management is a bridge connecting the platform business application and the external fund party application, and can synchronize to the external fund party after the platform credit and credit processes, and record into the financing record management, and meanwhile, after the external fund processes are completed, the financing result processed by the external fund party is received through the financing record management.

Thus, the fund routing can be used for switching the owned fund and the bank fund according to the service time range of the fund party.

According to some embodiments of the present application, optionally, the tariff management subsystem further comprises the step of,

the fund party is butted, and the fund party of the butted failure type is supported; the sponsor's interfacing is shown in fig. 12.

And the fund management and financing treatment is used for expanding and butting external fund parties.

Thus, the system supports the repurchase of assets, and for assets whose expiration exceeds a limit, the system can repurchase from the bank of the sponsor and synchronize the business core to change the sponsor.

In a second aspect, the invention also provides a storage medium storing a computer program which, when executed by a processor, carries out the method steps as in the first aspect of the invention.

In a third aspect, referring to fig. 2, the present invention also provides an electronic device 10, including a processor 101 and a storage medium 102, where the storage medium 102 is a storage medium as in the second aspect; the processor 101 is arranged to execute a computer program stored in the storage medium 102 to implement the method steps as in the first aspect.

It will be appreciated by those skilled in the art that the various embodiments described above may be provided as methods, apparatus, or computer program products. These embodiments may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. All or part of the steps in the methods according to the above embodiments may be implemented by a program for instructing related hardware, and the program may be stored in a storage medium readable by a computer device, for performing all or part of the steps in the methods according to the above embodiments. The computer device includes, but is not limited to: personal computers, servers, general purpose computers, special purpose computers, network devices, embedded devices, programmable devices, intelligent mobile terminals, intelligent home devices, wearable intelligent devices, vehicle-mounted intelligent devices and the like; the storage medium includes, but is not limited to: RAM, ROM, magnetic disk, magnetic tape, optical disk, flash memory, usb disk, removable hard disk, memory card, memory stick, web server storage, web cloud storage, etc.

The embodiments described above are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a computer device to produce a machine, such that the instructions, which execute via the processor of the computer device, create means for implementing the functions specified in the flowchart block or blocks and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer device-readable memory that can direct a computer device to function in a particular manner, such that the instructions stored in the computer device-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 apparatus to cause a series of operational steps to be performed on the computer apparatus to produce a computer implemented process such that the instructions which execute on the computer apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should be noted that, although the foregoing embodiments have been described herein, the scope of the present invention is not limited thereby. Therefore, based on the innovative concepts of the present invention, alterations and modifications to the embodiments described herein, or equivalent structures or equivalent flow transformations made by the present description and drawings, apply the above technical solution, directly or indirectly, to other relevant technical fields, all of which are included in the scope of the invention.

Claims

1. The architecture method of the multi-scene demand financial service platform is characterized by comprising the following steps:

2. The architecture method of a multi-scenario demand financial service platform according to claim 1, wherein the processes of different financial loan products are disassembled and combined, the financial service platform system is disassembled into a unified business process subsystem, a core business process subsystem and a fund party management subsystem, the unified business process subsystem is used for public management before loan, the core business process subsystem is used for public management in loan, user management and public management after loan, the fund party management subsystem is used for unified docking of fund party, a standardized component library of the three subsystems is established, parts can be flexibly taken in the standardized component library aiming at different scenarios and online of different businesses, and the business process can be expanded in a customized manner, so that the quick unitization of the product online is realized.

3. The architecture method of claim 2, wherein the multi-scenario-requirement financial service platform is constructed based on a micro-service architecture technology, and when any one of the subsystems is modified, the other two subsystems can operate normally and independently.

4. The architecture method of a multi-scenario demand financial service platform of claim 3, wherein the configuration of the business processes can be achieved by dragging the canvas, each business module has independence, and the business modules are loosely coupled.

5. The method according to claim 4, wherein the unified feed management subsystem includes a service configuration module, a fee configuration module, a contract configuration module, a product configuration module, and a short message template configuration module, and each financial loan service can directly complete product element configuration and service flow configuration in the corresponding module without performing code development in the background.

6. The architecture method of a multi-scenario-required financial service platform according to claim 5, wherein the unified feed management subsystem further comprises an approval process configuration module, the approval process configuration module is a process configuration for providing a manual approval service, approval nodes can be configured for the approval process, and the approval nodes can set approval levels according to the business.

7. The architecture method of the multi-scenario-requirement financial service platform according to claim 6, wherein the unified feed management subsystem further comprises a feed management module, and after the front end finishes the financial loan request, the feed information of the user is uploaded to the feed management module, and the feed management module can check and maintain the feed information;

8. The method according to claim 7, wherein the unified feed management subsystem can set different basic feed data requirements in the background according to different financial loan services, and can customize user uploading specific data, and can configure new services without development.

9. A storage medium storing a computer program which, when executed by a processor, implements the method steps of any one of claims 1 to 8.

10. An electronic device comprising a processor and a storage medium, the storage medium being the storage medium of claim 9;

the processor is configured to execute a computer program stored in the storage medium to implement the method steps of any one of claims 1 to 8.