CN116339798A

CN116339798A - Online consumption financial service platform architecture method, storage medium and electronic equipment

Info

Publication number: CN116339798A
Application number: CN202310343134.2A
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 an online consumption financial service platform architecture method, a storage medium and electronic equipment, which are based on a micro-service architecture technology, and comprise the following steps that an online consumption financial service platform comprises a first subsystem, a second subsystem and a third subsystem, wherein the first subsystem, the second subsystem and the third subsystem are respectively built, and when any subsystem is updated, only the service needing to be updated is required to be updated, and other services are not affected; when any one subsystem is modified, the other two subsystems can normally operate. Compared with the prior art, the invention can divide the financial consumption platform into three subsystems to provide services for financial scenes with different service types, and each subsystem can independently provide docking services to the outside; through the micro-service architecture, the system updating flexibility is high, the system updating is independently expandable, the updating is simple, the cost is low, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

Description

Online consumption financial service platform architecture method, storage medium and electronic equipment

Technical Field

The present invention relates to the field of system design technologies, and in particular, to an online consumption financial service platform architecture method, a storage medium, and an electronic device.

Background

The traditional financial loan system is generally developed in a vertical shaft, namely, a customized system flow is designed according to the type of an online credit product, a new business is brought to the new system, 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 problems of product fragmentation, short online period, frequent business change and the like of the general finance are determined by the guest group object and business characteristics of the general finance.

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

in the patent publication number CN113472771a, an intelligent center station system is disclosed, comprising: the system comprises a user management unit, a request filtering processing unit, a scheduling processing unit and a background communication unit; the user management unit is used for carrying out identity authentication on a user sending an access request to the system; the request filtering processing unit is used for analyzing the access request sent by the user with successful identity authentication; meanwhile, based on a preset filtering processing strategy, a filtering result is fed back to a user or message data of an access request is sent to a scheduling processing unit; the scheduling processing unit is used for receiving the access request transmitted by the request filtering processing unit; the background communication unit is used for communicating with the background center.

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

the existing financial loan modes are all parts feeding, auditing and sponsor management self-forming systems, and the final sponsor is matched with a customer and recommended to the customer for selection; when any one system needs to be updated, the whole system is stopped, so that the system is heavy to update, complex to update and high in update cost.

Disclosure of Invention

In view of the above problems, the application provides an online consumption financial service platform architecture method, a storage medium and an electronic device, which are used for solving the technical problems of heavy system update, complex update and high update cost caused by the fact that the whole system is stopped when any one system needs to be updated in the prior art.

To achieve the above object, in a first aspect, the present inventors provide an online consumption financial service platform architecture method based on a micro service architecture technology, the online consumption financial service platform architecture method comprising the steps of:

the online consumption financial service platform comprises a first subsystem, a second subsystem and a third subsystem, wherein the first subsystem, the second subsystem and the third subsystem are respectively built, and when any subsystem is updated, only the service needing to be updated is required to be updated, and other services are not affected;

the first subsystem is in communication connection with the second subsystem, the second subsystem is in communication connection with the third subsystem, the first subsystem is used for requesting for various financial loans for the parts, different configurations can be carried out aiming at different businesses, the second subsystem is used for auditing the various financial loans for the parts, all the approval processes are automatically carried out, the third subsystem is used for interfacing the financial loans with external fund parties, and the fund party management subsystem is in interface interfacing with the external financial institution system through a standardized interface;

when any one subsystem is modified, the other two subsystems can normally and independently operate.

Compared with the prior art, the technical scheme is based on the micro-service architecture technology, and by respectively constructing the first subsystem, the second subsystem and the third subsystem, only the service needing to be updated is required to be updated when any subsystem is updated, and other services are not affected; when any subsystem is modified, the other two subsystems can normally and independently operate; therefore, the online consumption financial service platform can be split into three subsystems, services can be provided for financial scenes with different service types, and each subsystem can independently provide docking services to the outside; through the micro-service architecture, the system updating flexibility is high, the system updating is independently expandable, the updating is simple, the cost is low, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

As one embodiment of the present invention, the first subsystem is a unified feed management subsystem, comprising the steps of,

the method comprises the steps of performing service basic configuration, and performing configuration in a unified feed management subsystem before performing service, wherein the configuration comprises service line configuration, expense configuration, contract template configuration, product configuration, short message template configuration and approval process configuration;

the approval process configuration 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;

after the front end of the user finishes the financial loan request, the information of the user in the parts is uploaded to a part-in management list, and the part-in information can be checked and maintained in the part-in management;

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 automatic passing, automatic rejection or manual approval treatment can be carried out on the entering of the client 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 product elements are flexible and configurable, and different configurations can be carried out on product introduction, contract signing, cost, interest rate, loan type and repayment mode based on different businesses; visual configuration of the approval process, no technology is required to be used, the approval nodes can be configured by the credit reviewer, and the multi-stage approval can be expanded according to the service requirements; the intake management subsystem is communicated with the wind control system and can be matched with the wind control system for use for automatic approval and credit giving.

As an embodiment of the present invention, the unified feed management subsystem further comprises the steps of,

the front-end feeding data pool is established, feeding nodes and sequence numbers can be selected from the front-end feeding data pool, each product can be freely matched with feeding data and sequence, different basic feeding data requirements can be set according to different service products, a user can be customized to upload specific data, and new service feeding data can be configured under the condition of no 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.

As an embodiment of the present invention, the second subsystem is a core service processing subsystem, including the following steps,

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.

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

As an embodiment of the invention, the core traffic handling subsystem further comprises the steps 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.

As an embodiment of the present invention, the third subsystem is a sponsor management subsystem, comprising 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.

As an embodiment of the invention, the tariff management subsystem further comprises the steps of,

the fund party is butted, and the fund party of the butted failure type is supported;

and the resource 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.

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 a storage medium as described above;

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 can divide the financial consumption platform into three subsystems, provide services for financial scenes with different service types, and independently provide docking services for the subsystems; through the micro-service architecture, the system updating flexibility is high, the system updating is independently expandable, the updating is simple, the cost is low, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

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 an online consumer financial service 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 an online consumption financial service platform construction concept according to an embodiment of the present application;

FIG. 4 is a schematic diagram of the overall architecture of a system of an online consumer financial service platform according to one embodiment of the present application;

FIG. 5 is a functional architecture diagram of an online consumer financial service platform according to one embodiment of the present application;

FIG. 6 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. 7 is a schematic diagram of a custom user upload node and sequence number of a unified feed management subsystem according to an embodiment of the present application;

FIG. 8 is a schematic diagram of the payoff management of a core business processing subsystem according to one embodiment of the present application;

FIG. 9 is a schematic diagram of customer unified management of a core business processing subsystem according to one embodiment of the present application;

FIG. 10 is a schematic diagram of repayment and settlement management of a core transaction processing subsystem according to one embodiment of the present application;

FIG. 11 is a schematic diagram of a sponsor docking of a sponsor management subsystem according to one embodiment of the present application;

fig. 12 is a schematic diagram of a financing process for a tariff 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 applicant researches find that the financial consumption platform can be split into three subsystems to provide services for financial scenes with different service types, and each subsystem can independently provide docking services to the outside; through the micro-service architecture, the system updating flexibility is high, the system updating is independently expandable, the updating is simple, the cost is low, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

The architecture method of the online consumption financial service platform, the storage medium and the electronic equipment related to the embodiment can be applied to various application scenes of online financial loans.

Referring to fig. 1 to 12, according to some embodiments of the present application, the present embodiment relates to an online consumption financial service platform architecture method, based on micro-service architecture technology, comprising the following steps:

the online consumption financial service platform 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.

Whether one system or three systems, the service is eventually updated if an update is needed. When updating, only the service needing to be updated is needed to be updated, other services are not affected, and the service can be used continuously.

Compared with the prior art, the technical scheme is based on the micro-service architecture technology, and by respectively constructing the first subsystem, the second subsystem and the third subsystem, only the service needing to be updated is required to be updated when any subsystem is updated, and other services are not affected; when any subsystem is modified, the other two subsystems can normally and independently operate; therefore, the financial consumption platform can be divided into three subsystems to provide services for financial scenes with different service types, and each subsystem can independently provide docking services to the outside; through the micro-service architecture, the system updating flexibility is high, the system updating is independently expandable, the updating is simple, the cost is low, and the system updating method is more suitable for various different financial scenes and does not need traditional vertical shaft type development.

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, the first subsystem is a unified feed management subsystem, including the steps of,

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 automatic passing, automatic rejection or manual approval treatment can be carried out on the entering of the client according to the wind control report returned by the wind control system; as shown in fig. 6.

According to some embodiments of the present application, optionally, the unified feed management subsystem further comprises the steps of,

the front-end feeding data pool is established, feeding nodes and sequence numbers can be selected from the front-end feeding data pool, each product can be freely matched with feeding data and sequence, different basic feeding data requirements can be set according to different service products, a user can be customized to upload specific data, and new service feeding data can be configured under the condition of no development. As shown in fig. 7.

According to some embodiments of the present application, optionally, the second subsystem is a core service processing subsystem, including the steps of,

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. The deposit management is shown in fig. 8.

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

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. The unified management of clients is shown in fig. 9.

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; the repayment and account elimination management is shown in fig. 10.

According to some embodiments of the present application, optionally, the third subsystem is a tariff management subsystem, comprising the steps of,

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. 11.

And the resource management and financing treatment is used for expanding and butting external fund parties. As shown in fig. 12.

The general goal of the construction of the online consumption financial service platform is to comprehensively and systematically carry out planning management on online C-terminal financial products by adopting advanced computer and network technologies, so as to realize online, procedural and automatic management of credit business. The system is designed and built by taking the operability of the current business processing and the compatibility with other systems into consideration, and also taking future business expansion into consideration, and the system takes a credit financing business capable of supporting multiple scenes as a core, meets the credit requirements at different stages from starting to depth, and is characterized by high efficiency, light weight, unitization and expandability, thereby solving the defects of slow, big, heavy, expensive and the like of the traditional credit system.

The system is designed for a standardized component type core system, a flexibly assembled core system and a generalization-designed core system, and the core system is provided with complete service components and can meet the service requirements of different types of clients and different scenes through quick configuration. The network lending system is split into three subsystems for unified feed management, core business processing and fund party management to provide services for financial scenes of different business types, each subsystem can independently provide docking services (for example, a fund party module can uniformly perform external fund party docking management without system modification of the feed subsystem and the core business subsystem), and meanwhile, a relatively clear process and a production stage are defined, the system also has high automation capability, can be automatically connected from one process to the next process (for example, from feed connection to audit, audit and connection to a pushing party), and only in such a large-scale, automatic and efficient industrial production mode, the real floor business agility can be realized, and the reliable fusion of application and distributed technology is realized.

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. An online consumption financial service platform architecture method is characterized by comprising the following steps of:

2. The online consumer financial service platform architecture method of claim 1, wherein the first subsystem is a unified feed management subsystem comprising the steps of,

3. The online consumer financial service platform architecture method of claim 2, wherein the unified feed management subsystem further comprises the steps of,

4. The online consumer financial service platform architecture method of claim 1, wherein the second subsystem is a core business processing subsystem comprising the steps of,

5. The online consumer financial service platform architecture method of claim 4, wherein the core business processing subsystem further comprises the steps of,

6. The online consumer financial service platform architecture method of claim 5, wherein the core business processing subsystem further comprises the steps of,

7. The online consumer financial service platform architecture method of claim 1, wherein the third subsystem is a sponsor management subsystem comprising the steps of,

8. The online consumer financial service platform architecture method of claim 7, wherein the tariff management subsystem further comprises the steps of,

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.