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Label-based financial product development method and system

A financial product and development system technology, applied in the financial field, can solve problems such as high development cost, long development cycle, and low development efficiency, and achieve the effect of reducing development cycle, reducing development cost, and improving development efficiency

Inactive Publication Date: 2019-12-20
王晓
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  • Abstract
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Problems solved by technology

[0005] In view of the above technical problems, the embodiment of the present invention provides a tag-based financial product development method and system, which can solve the technical problems of long development cycle, low development efficiency and high development cost of banking products and service processes in the prior art

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  • Label-based financial product development method and system
  • Label-based financial product development method and system

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Embodiment Construction

[0039] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the drawings in the embodiments of the present invention. Apparently, the described embodiments are only some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts fall within the protection scope of the present invention.

[0040] Most of the current banking online services follow the traditional linear product design, technology development and online implementation process. Although the safety and stability of financial products have been verified in the past practice, in recent years, Internet-based, especially mobile Internet-based With the development, customers’ demand for financial products is becoming more and more fragmented, the timeliness requirements for products are getting hig...

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Abstract

The embodiment of the invention discloses a label-based financial product development method and system. The method comprises the steps of obtaining existing financial product information, generatinga label corresponding to the financial product information according to a preset rule, detecting a development instruction of a new financial product, and obtaining a label of an existing financial product of a client; converting the existing financial product label into a label corresponding to a new financial product, encrypting the converted label to generate an electronic token, pushing the electronic token to a service system, generating a corresponding financial product by the service system according to the electronic token, and pushing the corresponding financial product to a client interaction terminal. According to the invention, business rules of products output to clients by banks are sorted, refined and stored. The product business and system rules are stored. Digital markingis carried out on the stored product business and system rules. When brand-new product innovative design is carried out through digital marking, digital marks among different products can be directlycalled and combined to form brand-new financial products, the development period is shortened, and the development efficiency is improved.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a tag-based financial product development method and system. Background technique [0002] The current financial products and services provided by commercial banks are limited by the original IT architecture design, which restricts their ability to innovate products and services that rely on system implementation. At present, when commercial banks design new products and service processes, they generally adopt a linear development process, and the bank develops them one by one from the account system, payment system, notification system, voucher system and other related systems according to the product realization requirements and rules, and according to the preset A good business process and business data submission method interacts with customers through interactive carriers such as computers or mobile phone clients. Once the above-mentioned traditional banking product inno...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F8/20
CPCG06F8/20
Inventor 王晓
Owner 王晓
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