Method and system for quickly accessing information data of clients of banks

Abstract

The invention provides a method and a system for quickly accessing information data of clients of banks. The system includes a bank terminal, a bank digital channel application system and a memory caching system, wherein the bank terminal is in communication connection with the bank digital channel application system, and is used for outputting an access request according to a user operational order; the bank digital channel application system is in communication connection with the memory caching system, and is used for receiving the access request, sending the access request to the memory caching system, and receiving and outputting a feedback result to the bank terminal; the memory caching system includes a plurality of servers, the servers are in communicated connection with a client information data synchronization layer, and are used for receiving the access request sent by the bank digital channel application system, inquiring the bank client information data saved in the memory of the local application, and outputting the feedback result to the bank digital channel application system according to the bank client information data.

Description

technical field [0001] The invention relates to the field of data access, in particular to a method and system for quickly accessing bank customer information data. Background technique [0002] As an important channel for banks to provide financial services to the outside world, e-banking channels are a window for banks to interact with customers. The proportion of e-banking channel business in the total business volume of banks is increasing, and the substitution effect on traditional channels has been continuously strengthened. It has become a source of value for banks. important parts of. At present, the bank's existing electronic banking channel system includes personal online banking, corporate online banking, mobile banking, telephone banking, SMS banking, tablet banking, various self-service equipment (automatic deposit and teller machines, fixed-line payment terminals, POS machines, smart teller machines, etc.) , multimedia machine, self-service card issuing machin...

AI Technical Summary

Problems solved by technology

[0005] Information dispersion: different channels, domestic and overseas system signing information are independent of each other, forming an information island, which brings difficulties to channel interconnection and domestic and overseas linkage

[0006] Each e-banking channel is isolated from each other, developed independently, and the development efficiency is low, and because of the fragmentation of each e-banking channel, it is difficult to realize the banking business process relay between channels

[0007] Product-centered: The interface style of each channel is inconsistent, the menu is inconsistent, and the functions are organized according to bank products (such as call deposit, Delibao, etc.), which brings learning costs to customers

[0008] The most obvious data access problem is the use and access method of bank customer information data. There are problems of scattered structure, messy information, and low access efficiency. It is increasingly unable to adapt to the development of electronic banking in the new era. Unable to cope with the access pressure of banks’ massive customer information, let alone provide customers with a good user experience, it is urgent to find a new method and implementation to support the rapid development trend of electronic banking business

[0009] The technical implementation of the existing bank electronic channel application systems adopts the traditional client server mode, and bank customer information data and various business data are stored in the traditional relational database; when a bank customer logs in to the bank electronic channel system, all business Operation requires real-time access to the databases of the electronic channel application systems of various banks. However, traditional relational databases have deficiencies in real-time data access performance, massive data storage capacity, and large concurrent access performance indicators. Facing the ever-changing electronic banking business Development, the total number of customers and access traffic in the current system as a whole have reached or exceeded the upper limit of traditional relational databases. During peak business periods, communication timeouts or other data access exceptions often occur in normal business operations of customers in e-banking channels Therefore, a new method and implementation is needed to increase the access pressure of traditional relational databases, accelerate the operation and access speed of e-bank customers, and improve customer experience

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