Financial institution service access system and access method

Abstract

The invention discloses a financial institution service access system and access method. A docking interface module is in network connection with access ports of various financial institutions; a database module is called to access financial transaction data; the data is stored in the database module; and a service module is called to carry out transaction processing on financial products of the financial institutions and manage products, contracts, accounts and customer information. According to the uniform access platform provided by the invention, rapid access of different channels and devices is supported; the complete Internet transaction interface is provided for the financial institutions; the information sharing between the financial institutions and the marketing distributors is realized; the products of various product lines such as insurances, funds and securities companies are supported; various products such as cash management types, fixed income types and floating income types are created; product prototypes are packaged and combined; a series of information technical services such as transaction integration, account checking monitoring and customer information services are provided based on cloud computing; and the repeated investment of financial institution infrastructures is reduced.

Description

technical field [0001] The invention relates to a financial institution service access system and an access method thereof. Background technique [0002] The development of domestic Internet financial portals is divided into two parts: 1. Traditional financial institutions adopt information technology to develop towards the Internet. After the emergence of Internet finance, major banks have launched mobile banking, direct banking and other products in order to attract customers to buy banking products and provide more experiential financial services under strict capital control. For example: Minsheng Bank launched a direct bank, innovatively proposed a weak real-name electronic bank, and launched low-risk products such as deposits and wealth management under the premise of strictly limiting the source and movement of funds. 2. Internet companies set foot in the financial industry. The Internet financial portal supports the definition and sales of financial products by conn...

AI Technical Summary

Problems solved by technology

[0003] The platforms of traditional financial institutions that are developing towards the Internet (such as Minsheng Bank direct sales banks, etc.) have strict capital control, relatively single products, and few sales channels; Internet companies involved in the financial industry (such as Ant Jubao, etc.) have one-way access to financial institutions. I...

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