Signing method and system for bank product

Abstract

The invention discloses a signing method and a signing system for a bank product. The method comprises the steps of receiving and analyzing a signing message of a client to the bank product, thus acquiring signing information carrying a bank product identifier and a signed product parameter selected by the client; calling a product assembly model corresponding to the bank product identifier from a local data copy, thus acquiring bank product verification information comprising the product parameter, a product parameter type and a valuing range of the product parameter, and performing completeness verification and validity verification on the signed product parameter according to the bank product verification information; and after verification is passed, locally storing the signing information. The product assembly model adopts a layered structure design, a reusable product element and a reusable component are introduced, the product element is a set of the plurality of product parameters, and a large number of encoding is not needed for stipulating the validity of the bank product parameters, so that development and maintenance speeds of the bank products are enhanced, and workload of operation and maintenance staffs is reduced.

Description

technical field [0001] The present invention relates to the financial field, and more specifically, to a method and system for signing a bank product. Background technique [0002] Banking products are goods and services that banks can sell to customers, and can obtain income from customers based on contracts. Banking products are the tangible carrier of banking services. Based on the concept of "service productization", the business characteristics involved in the service process are summarized and abstracted, and solidified on a certain carrier (such as: account or card), or agreed to be a fixed Forms, such as: collection and payment or asset management, etc., form a banking product. [0003] With the improvement of people's living standards, more and more people begin to pay attention to asset management and investment and wealth management. Banks are constantly developing new banking products to meet people's asset management and investment and wealth management needs. ...

AI Technical Summary

Problems solved by technology

At present, most banks adopt a hard-coded model when developing banking products, which leads to the need to rewrite the program or substantially modify the previous program when developing a new banking product, and the contracted product parameters are changed during the signing process of the banking product. When performing verification, it is necessary to pre-write codes to specify the legality of different bank product parameters, which brings a huge workload to the operation and maintenance staff

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