A method, device and electronic device for calling financial data via multiple routes

Abstract

The present invention provides a method for calling financial data via multiplex routing, wherein the financial data has a reuse period, and the method comprises: receiving an access request from a client, wherein the access request comprises user identification information of a user; obtaining a history record of the user calling financial data based on the user identification information, wherein the history record comprises a call time, a call path and a call result of the financial data; judging whether the user's financial data needs to be called again based on the history record of the user calling financial data and the reuse period of the financial data; when the user's financial data needs to be called again, selecting a call path from the multiplex routing according to a predetermined call rule to call again the user's financial data. The method of the present invention reduces the cost of calling financial data and optimizes the data calling method.

Description

Technical Field

[0001] The present invention relates to the field of computer information processing, and in particular to a method, device and electronic equipment for calling financial data via multiple routes. Background Art

[0002] With the development of information data technology, data transmission between application systems is often required. In the process of data interaction among multiple application systems, it may involve a certain application system obtaining data from another application system. Usually, this data interaction is achieved through interface calls.

[0003] When this kind of interface call is used to implement data interaction, the premise is that the sender and receiver need to agree on the path, format, processing method, etc., that is, the data message format needs to be confirmed before development can begin. However, for some application systems, there are many types of data, and the service provider needs to provide a wide variety of interfaces, and they will be updated frequently, which makes it difficult for the service provider and the caller to cooperate.

[0004] Therefore, it is necessary to provide a more optimized data calling method. Summary of the invention

[0005] In order to solve the above problems, the present invention provides a method for calling financial data via multiple routes, wherein the financial data has a reuse period, and the method comprises: receiving an access request from a client, wherein the access request includes user identification information of the user; obtaining a historical record of the user's calling of the financial data based on the user identification information, wherein the historical record includes a calling time, a calling path and a calling result of the financial data; judging whether it is necessary to recall the financial data of the user based on the historical record of the user's calling of the financial data and the reuse period of the financial data; and when it is necessary to recall the financial data of the user, selecting a calling path from the multiple routes according to a predetermined calling rule to recall the financial data of the user.

[0006] Preferably, the determining whether the financial data of the user needs to be re-called includes: determining whether the calling of the financial data by the user is the first calling according to the access request of the client, the access time and the calling record of the financial data by the user.

[0007] Preferably, when the user's call to the financial data is the first call, at least one adaptation routing interface corresponding to the financial data to be called is provided according to a predetermined calling rule to perform the call; and when the user's call to the financial data is not the first call, it is further determined whether the user's access time is within the reuse period of the financial data.

[0008] Preferably, when the user's access time is within the reuse period of the financial data, all cached financial data in the relevant database on the data platform are queried and traversed according to the user identification information, and data matching is performed to obtain the financial data to be called.

[0009] Preferably, when the user's access time is not within the reuse period of the financial data, it is determined to re-call the financial data, and the adaptation routing interface is automatically connected to determine the calling path to call the financial data.

[0010] Preferably, the method further comprises: presetting a calling rule, wherein the calling rule comprises each financial data associated with the user identification information, a reuse period of each financial data, a route corresponding to each financial data and a backup route.

[0011] Preferably, the method further comprises: monitoring whether the financial data in the database corresponding to each routing interface is updated, the update time and the update number.

[0012] Preferably, the data calling method further comprises: setting a reuse period of the financial data corresponding to each routing interface according to the data update time, update frequency and shutdown time of each routing interface of each financial data, and establishing a corresponding relationship table.

[0013] In addition, the present invention also provides a data calling device, which includes: a transceiver module, which is used to receive an access request from a client, and the access request includes the user identification information of the user; a data acquisition module, which acquires the historical record of the user's call to financial data based on the user identification information, and the historical record includes the call time, call path and call result of the financial data; a judgment module, which judges whether it is necessary to recall the financial data of the user based on the historical record of the user's call to financial data and the reuse period of the financial data; and a calling module, when it is necessary to recall the financial data of the user, selects a calling path from multiple routes according to a predetermined calling rule to recall the financial data of the user.

[0014] Preferably, the judgment module is used to judge whether the user's call to the financial data is the first call based on the client's access request, access time and the user's call record to the financial data.

[0015] Preferably, the data calling device also includes: when the user's call to the financial data is the first call, according to a predetermined calling rule, providing at least one adaptation routing interface corresponding to the financial data to be called for calling; and when the user's call to the financial data is not the first call, further determining whether the user's access time is within the reuse period of the financial data.

[0016] Preferably, the data calling device also includes: when the user's access time is within the reuse period of the financial data, querying and traversing all cached financial data in the relevant database on the calling data platform according to the user identification information, performing data matching to obtain the financial data to be called.

[0017] Preferably, the data calling device further comprises: when the user's access time is not within the reuse period of the financial data, determining to re-call the financial data, and automatically connecting with the adaptation routing interface to determine the calling path to call the financial data.

[0018] Preferably, the data calling device also includes a setting module, which is used to preset calling rules, and the calling rules include various financial data associated with user identification information, the reuse period of each financial data, the route corresponding to each financial data and the backup route.

[0019] Preferably, the calling device further comprises a monitoring module, and the monitoring module is used to monitor whether the financial data in the database corresponding to each routing interface is updated, the update time and the update number.

[0020] Preferably, the data calling device further comprises: setting the reuse period of the financial data corresponding to each routing interface according to the data update time, update frequency and closing time of each routing interface of each financial data, and establishing a corresponding relationship table.

[0021] In addition, the present invention also provides an electronic device, wherein the electronic device includes: a processor; and a memory storing computer executable instructions, wherein the executable instructions, when executed, enable the processor to execute the method of calling financial data via multiple routings described in the present invention.

[0022] In addition, the present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the method of calling financial data via multiple routings described in the present invention is implemented.

[0023] Beneficial Effects

[0024] Compared with the prior art, the data calling method of the present invention provides a calling data platform, which caches and records the called financial data so that the financial data can be directly used during the reuse period without re-calling, thereby reducing the cost of calling the financial data; by setting the reuse period of the financial data corresponding to each routing interface for different routing interfaces, and calling the financial data in combination with the calling rules, the data calling method is further optimized.

[0025] In addition, the data calling device of the present invention is particularly suitable for the data calling method of the present invention. The data calling device provides a calling data platform, which caches and records the called financial data so that the financial data can be directly used during the reuse period without re-calling, thereby reducing the cost of calling the financial data and improving the overall performance of the device. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects achieved more clearly, the specific embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, it should be noted that the drawings described below are only drawings of exemplary embodiments of the present invention. For those skilled in the art, drawings of other embodiments can be obtained based on these drawings without creative work.

[0027] Figure 1 The flowchart of an example of the method of calling financial data via multiple routes of the present invention.

[0028] Figure 2 It is a schematic diagram of an application example of the method for calling financial data via multiple routings of the present invention.

[0029] Figure 3 FIG. 4 is a flowchart of another example of the method for calling financial data via multiplexing of the present invention.

[0030] Figure 4 It is a schematic structural block diagram of an example of a data calling device according to embodiment 2 of the present invention.

[0031] Figure 5 It is a schematic structural block diagram of another example of the data calling device of embodiment 2 of the present invention.

[0032] Figure 6 It is a schematic structural block diagram of another example of the data calling device of embodiment 2 of the present invention.

[0033] Figure 7 is a structural block diagram of an exemplary embodiment of an electronic device according to the present invention.

[0034] Figure 8 is a block diagram of an exemplary embodiment of a computer-readable medium according to the present invention. DETAILED DESCRIPTION

[0035] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, exemplary embodiments can be implemented in a variety of forms, and should not be construed as limiting the present invention to the embodiments set forth herein. On the contrary, providing these exemplary embodiments enables the present invention to be more comprehensive and complete, and is more convenient for fully conveying the inventive concept to those skilled in the art. The same reference numerals in the figures represent the same or similar elements, components or parts, and thus their repeated description will be omitted.

[0036] Under the premise of being consistent with the technical concept of the present invention, the features, structures, characteristics or other details described in a specific embodiment do not exclude that they can be combined in one or more other embodiments in a suitable manner.

[0037] In the description of specific embodiments, the features, structures, characteristics or other details described in the present invention are intended to enable those skilled in the art to fully understand the embodiments. However, it does not exclude that those skilled in the art can practice the technical solutions of the present invention without one or more of the specific features, structures, characteristics or other details.

[0038] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0039] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0040] It should be understood that although the terms "first", "second", "third", etc. may be used herein to describe various devices, elements, components or parts, this should not be limited by these terms. These terms are used to distinguish one from another. For example, a first device may also be called a second device without departing from the essential technical solution of the present invention.

[0041] The term "and / or" or "and / or" includes any one and all combinations of one or more of the associated listed items.

[0042] In the prior art, due to the randomness of multi-path routing, the routing interfaces of the user's two calls to data are different, which leads to unnecessary data call cost expenditure. In order to further save the cost of data call and further optimize the data call method, the present invention provides a method for calling financial data via multi-path routing. In the present invention, a reuse period is added for each financial data. During the reuse period, the financial data called last time is directly reused without re-calling the financial data. It should be noted that the financial data of the present invention refers to the data related to the user's registration, credit, fund use, repayment, etc. with respect to the financial product.

[0043] In order to make the objectives, technical solutions and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0044] Example 1

[0045] Next, we will refer to Figures 1 to 3 An embodiment of a method for calling financial data via multiplex routing according to the present invention is described.

[0046] Figure 1 The flowchart of an example of the method of calling financial data via multiple routes of the present invention.

[0047] like Figure 1 As shown, a method for calling financial data via multiplex routing, wherein the financial data has a multiplexing period, the method comprising:

[0048] Step S101: receiving an access request from a client, wherein the access request includes user identification information of a user.

[0049] Step S102: acquiring the user's historical records of financial data calls based on the user identification information, wherein the historical records include the calling time, calling path and calling result of the financial data.

[0050] Step S103: based on the historical record of the user's calling of financial data and the reuse period of the financial data, it is determined whether the financial data of the user needs to be called again.

[0051] Step S104: when the financial data of the user needs to be recalled, a recall path is selected from multiple routes according to a predetermined recall rule to recall the financial data of the user.

[0052] Next, the method of calling financial data via multiple routes of the present invention will be specifically described by taking fund demand products as an application example.

[0053] Specifically, in step S101, an access request from a client is received, where the access request includes user identification information of a user.

[0054] For example, a user downloads an app for a fund demand product on his mobile phone, registers, and applies for fund use. When the background of the financial product receives a fund use request (i.e., an access request), the background needs to obtain or call financial data related to the user from a third-party data provider for risk assessment, etc. In this example, user identification information is, for example, a mobile phone number, a user account number, etc.

[0055] Next, in step S102, the historical record of the user's financial data calls is obtained based on the user identification information.

[0056] Specifically, the historical records include the call time, call path and call result of the financial data.

[0057] In this example, when receiving a request for access to fund use from user A, financial product company Q1 needs to obtain or call financial data D1 related to user A from third-party data provider T1 in order to conduct a risk assessment on the use of funds by user A to determine whether to allow the use of funds. The reuse period of financial data D1 is 30 days. Figure 2 .

[0058] It should be noted that every time a financial product company calls on financial data, it needs to pay corresponding fees to the third-party data provider.

[0059] Specifically, for example, the historical records of user A's calls for financial data are obtained through user A's mobile phone number.

[0060] Next, in step S103, based on the historical record of the user's calling of financial data and the reuse period of the financial data, it is determined whether the financial data of the user needs to be called again.

[0061] In this example, to determine whether the financial data of the user needs to be recalled, first, it is necessary to determine whether it is the first recall.

[0062] Specifically, it is determined whether the user's call to the financial data is the first call based on the client's access request, access time, and the user's call record to the financial data.

[0063] On the one hand, when the user calls the financial data for the first time, at least one adaptation routing interface corresponding to the financial data to be called is provided according to a predetermined calling rule to perform the calling.

[0064] On the other hand, when the user's call to the financial data is not the first call, it is further determined whether the user's access time is within the reuse period of the financial data.

[0065] In this example, when the user's access time is within the reuse period of the financial data, all cached financial data in the relevant database on the call data platform are queried and traversed according to the user identification information, and data matching is performed to obtain the financial data to be called.

[0066] It should be noted that in the data calling method of the present invention, a calling data platform is provided, which caches and records the called financial data so that the financial data can be directly used during the reuse period without re-calling, thereby reducing the cost of calling the financial data.

[0067] Furthermore, when the user's access time is not within the reuse period of the financial data, it is determined to re-call the financial data, and the adaptation routing interface is automatically connected to determine the calling path to call the financial data.

[0068] In this example, if Figure 3 As shown, the method further includes step S301 of presetting a calling rule.

[0069] Specifically, in step S201, a calling rule is preset, and the calling rule includes each financial data associated with the user identification information, the reuse period of each financial data, the route corresponding to each financial data, and the backup route.

[0070] Preferably, whether the financial data in the database corresponding to each routing interface is updated, the update time and the update number are monitored.

[0071] Specifically, according to the data update time and update times of each financial data and the closing time of each routing interface, the reuse period of the financial data corresponding to each routing interface is set, and a corresponding relationship table is established.

[0072] Furthermore, the above-mentioned correspondence tables will be recorded in the calling data platform for use when calling data.

[0073] In order to more clearly explain whether to recall and the use of the recall rules of the present invention, the following example is used for illustration.

[0074] For example, when user A applies for the first time (i.e., access request), the financial data D1 of the mobile routing interface JK1 in the routing is called; if the second application is made 28 days later, since the reuse period of financial data D1 is 30 days, the result of the first reuse will be sufficient and there is no need to call it again.

[0075] If you apply for the second time after 50 days, you need to call it again because the reuse period has expired, and determine the routing interface and calling path to be called.

[0076] In another example, when calling data, the routing interface is closed. When user B applies for financial data D2 (reuse period is 40 days) for the first time, for example, routing interface JK2 in the route is called. If the second application is made 50 days later, and routing interface JK2 is closed, then according to the calling rules, other routing interfaces in the route (for example, spare or alternative routing interface T2) are called again to ensure that the financial data can be called in time.

[0077] In another example, user C is applying for the first time, and when applying for financial data D3 (reuse period is 60 days) for the first time, the routing call interface is JK3, and the backup or alternative routing interface is T3.

[0078] In order to verify the cost-saving effect of the data calling method of the present invention, the calling data of the mobile phone routing interface of the financial product is used as an example to perform cost estimation.

[0079] Due to the reuse of financial data, the number of calls to the mobile phone verification interface of financial product A should be basically 0. However, the number of additional calls and costs of financial product B in a single month are as follows:

[0080] 1) Routing interface JK1: 180,000 mobile calls, with a single cost of 0.9 yuan, then 18*0.9=162,000 yuan;

[0081] 2) Routing interface JK2: mobile calls are about 160,000 times, and the cost of each call is 0.9 yuan, so 16*0.9=144,000 yuan;

[0082] 3) Routing interface JK3: 36,000 mobile calls, with a single cost of RMB 1.06, then RMB 36,000*1.06=38,000;

[0083] Therefore, the total cost is RMB 344,000.

[0084] Furthermore, the probability of random routing (i.e., the mobile phone routing interface called twice by the same user is different) is about 51.5%.

[0085] For example, the switch ratios of routing interface JK1, routing interface JK2, and routing interface JK3 are 60%, 5%, and 35% respectively, and the routing random probability is: 60%*40%+5%*95%+ 35%*65%=51.5%.

[0086] In summary, the cost savings for a single month is approximately: 344,000 yuan * 51.5% = 177,000 yuan.

[0087] It should be noted that if the mobile phone verification results of the same user are inconsistent twice, there is a risk of false rejection. Taking the application data of a single day as an example, the proportion of inconsistent mobile phone verification results of the same user for financial products A and B is as high as 0.06% (that is, 28 customers will be falsely rejected). Calculated on a monthly basis, 840 customers will be falsely rejected in a month. In other words, hundreds of customers will be denied credit.

[0088] Therefore, through the above calling rules, the financial data is called based on the user's access request, which reduces the cost of calling the financial data and optimizes the data calling method.

[0089] The process of the above data calling method is only used to illustrate the present invention, wherein the order and number of steps are not particularly limited. In addition, the steps in the above method can also be split into two or three, or some steps can also be combined into one step, and adjustments are made according to actual examples.

[0090] Compared with the prior art, the data calling method of the present invention provides a calling data platform, which caches and records the called financial data so that the financial data can be directly used during the reuse period without re-calling, thereby reducing the cost of calling the financial data; by setting the reuse period of the financial data corresponding to each routing interface for different routing interfaces, and calling the financial data in combination with the calling rules, the data calling method is further optimized.

[0091] Those skilled in the art will appreciate that all or part of the steps for implementing the above embodiments are implemented as a program (computer program) executed by a computer data processing device. When the computer program is executed, the above method provided by the present invention can be implemented. Moreover, the computer program can be stored in a computer-readable storage medium, which can be a readable storage medium such as a disk, an optical disk, a ROM, a RAM, or a storage array composed of multiple storage media, such as a disk or a tape storage array. The storage medium is not limited to centralized storage, and it can also be distributed storage, such as cloud storage based on cloud computing.

[0092] The following describes an embodiment of the data calling device of the present invention, which can be used to execute the method embodiment of the present invention. The details described in the device embodiment of the present invention should be regarded as supplementary to the above method embodiment; the details not disclosed in the device embodiment of the present invention can be implemented with reference to the above method embodiment.

[0093] Example 2

[0094] Reference Figure 4 , Figure 5 and Figure 6The present invention also provides a data calling device 400, the data calling device 400 comprising: a transceiver module 401, which is used to receive an access request from a client, the access request comprising the user identification information of the user; a data acquisition module 402, which acquires the historical record of the user's calling of financial data based on the user identification information, the historical record comprising the calling time, calling path and calling result of the financial data; a judgment module 403, which judges whether it is necessary to call the financial data of the user again based on the historical record of the user's calling of financial data and the reuse period of the financial data; and a calling module 404, which, when it is necessary to call the financial data of the user again, selects a calling path from multiple routes according to a predetermined calling rule to call the financial data of the user again.

[0095] Preferably, the judgment module 403 is used to judge whether the user's call to the financial data is the first call based on the client's access request, access time and the user's call record to the financial data.

[0096] Preferably, the data calling device 400 also includes: when the user's call to the financial data is the first call, according to a predetermined calling rule, providing at least one adaptation routing interface corresponding to the financial data to be called for calling; and when the user's call to the financial data is not the first call, further determining whether the user's access time is within the reuse period of the financial data.

[0097] Preferably, the data calling device 400 also includes: when the user's access time is within the reuse period of the financial data, querying and traversing all cached financial data in the relevant database on the calling data platform according to the user identification information, performing data matching to obtain the financial data to be called.

[0098] Preferably, the data calling device 400 further comprises: when the user's access time is not within the reuse period of the financial data, determining to re-call the financial data, and automatically connecting with the adaptation routing interface to determine the calling path to call the financial data.

[0099] In another example, if Figure 5 As shown, the data calling device 400 also includes a setting module 501, which is used to preset calling rules, and the calling rules include various financial data associated with user identification information, the reuse period of each financial data, the route corresponding to each financial data and the backup route.

[0100] In another example, Figure 6As shown, the calling device 400 further includes a monitoring module 601, and the monitoring module 601 is used to monitor whether the financial data in the database corresponding to each routing interface is updated, the update time and the update number.

[0101] Preferably, the data calling device 400 further includes: setting the reuse period of the financial data corresponding to each routing interface according to the data update time, update times and shutdown time of each routing interface of each financial data, and establishing a corresponding relationship table. Furthermore, the above-mentioned corresponding relationship tables will be recorded in the calling data platform for use when calling data.

[0102] It should be noted that, in Example 2, descriptions of the same parts as in Example 1 are omitted.

[0103] Those skilled in the art will appreciate that the modules in the above device embodiments may be distributed in the device as described, or may be changed accordingly and distributed in one or more devices different from the above embodiments. The modules in the above embodiments may be combined into one module, or may be further split into multiple submodules.

[0104] Compared with the prior art, the data calling device of the present invention is particularly suitable for implementing the method described in route 1. The data calling device provides a calling data platform, which caches and records the called financial data so that the financial data can be directly used during the reuse period without re-calling, thereby reducing the cost of calling financial data and improving the overall performance of the device.

[0105] Example 3

[0106] The following describes an electronic device embodiment of the present invention, which can be regarded as a specific physical implementation of the method and device embodiments of the present invention. The details described in the electronic device embodiment of the present invention should be regarded as a supplement to the above method or device embodiments; details not disclosed in the electronic device embodiment of the present invention can be implemented with reference to the above method or device embodiments.

[0107] Figure 7 1 is a block diagram of an exemplary embodiment of an electronic device according to the present invention. Figure 7 The electronic device 200 according to this embodiment of the present invention is described. Figure 7 The electronic device 200 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0108] like Figure 7As shown, the electronic device 200 is in the form of a general computing device. The components of the electronic device 200 may include, but are not limited to: at least one processing unit 210, at least one storage unit 220, a bus 230 connecting different system components (including the storage unit 220 and the processing unit 210), a display unit 240, etc.

[0109] The storage unit stores a program code, which can be executed by the processing unit 210, so that the processing unit 210 performs the steps according to various exemplary embodiments of the present invention described in the above-mentioned electronic device processing method part of this specification. For example, the processing unit 210 can perform the following steps: Figure 1 Steps shown.

[0110] The storage unit 220 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM) 2201 and / or a cache memory unit 2202 , and may further include a read-only memory unit (ROM) 2203 .

[0111] The storage unit 220 may also include a program / utility 2204 having a set (at least one) of program modules 2205, such program modules 2205 including but not limited to: an operating system, one or more application programs, other program modules and program data, each of which or some combination may include the implementation of a network environment.

[0112] Bus 230 may represent one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

[0113] The electronic device 200 may also communicate with one or more external devices 300 (e.g., keyboards, pointing devices, Bluetooth devices, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 200, and / or may communicate with any device that enables the electronic device 200 to communicate with one or more other computing devices (e.g., routers, modems, etc.). Such communication may be performed via an input / output (I / O) interface 250. In addition, the electronic device 200 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 260. The network adapter 260 may communicate with other modules of the electronic device 200 via a bus 230. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 200, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0114] Through the description of the above implementation methods, it is easy for those skilled in the art to understand that the exemplary embodiments described in the present invention can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the implementation method of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, or a network device, etc.) to execute the above method according to the present invention. When the computer program is executed by a data processing device, the computer-readable medium can implement the above method of the present invention.

[0115] like Figure 8 As shown, the computer program can be stored on one or more computer-readable media. The computer-readable medium can be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0116] The computer readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in combination with an instruction execution device, apparatus, or device. The program code contained on the readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.

[0117] Program code for performing the operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0118] In summary, the present invention can be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. It should be understood by those skilled in the art that general data processing devices such as microprocessors or digital signal processors (DSPs) can be used in practice to implement some or all functions of some or all components in the embodiments of the present invention. The present invention can also be implemented as a device or apparatus program (e.g., a computer program and a computer program product) for executing part or all of the methods described herein. Such a program for implementing the present invention can be stored on a computer-readable medium, or can be in the form of one or more signals. Such a signal can be downloaded from an Internet website, or provided on a carrier signal, or provided in any other form.

[0119] The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the present invention is not inherently related to any specific computer, virtual device or electronic device, and various general devices can also implement the present invention. The above description is only a specific embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for calling financial data via multiplex routing, wherein the financial data has a multiplexing period, characterized in that: The method comprises: Receive an access request from a client and perform a risk assessment, wherein the access request includes user identification information of the user; Acquire a history record of the user's calling of financial data based on the user identification information, wherein the history record includes a calling time, a calling path, and a calling result of the financial data; Based on the historical record of the user's invocation of the financial data and the reuse period of the financial data, determining whether the financial data of the user needs to be re-invoked includes: Determine whether the user's call to the financial data is the first call based on the client's access request, access time, and the user's call record for the financial data; If the user's call to the financial data is not the first call, determining whether the user's access time is within the reuse period of the financial data; When the user's access time is within the reuse period of the financial data, all cached financial data in the relevant database on the calling data platform are queried and traversed according to the user identification information to perform data matching to obtain the financial data to be called; the calling data platform caches and records the called financial data to facilitate direct use of the called financial data within the reuse period without re-calling; Among them, according to the data update time, update frequency and closing time of each routing interface of each financial data, the reuse period of the financial data corresponding to the routing interface is set for each different adaptation routing interface, and a corresponding relationship table is established to record on the calling data platform; and when it is necessary to recall and the routing interface to be recalled is closed, it is called through a spare or alternative routing interface to ensure that the financial data can be recalled in time; when it is necessary to recall the financial data of the user, according to the predetermined calling rules, a calling path is selected from multiple routes to recall the financial data of the user; the calling rules are preset to optimize data calls, which include each financial data associated with the user identification information, the reuse period of each financial data, the route corresponding to each financial data and the spare route.

2. The method according to claim 1, characterized in that Also includes: In the case that the user's call to the financial data is the first call, at least one adaptation routing interface corresponding to the financial data to be called is provided according to a predetermined calling rule to perform the call.

3. The method according to claim 1, characterized in that In the case that the user's access time is not within the reuse period of the financial data, it is determined to re-call the financial data, and the adaptation routing interface is automatically connected to determine the calling path to call the financial data.

4. The method according to any one of claims 1 to 3, characterized in that: Also includes: Monitor whether the financial data in the database corresponding to each routing interface is updated, the update time and the update frequency.

5. A device for calling financial data via multiple routes, characterized in that: include: A transceiver module, which is used to receive an access request from a client and perform risk assessment, wherein the access request includes user identification information of the user; A data acquisition module, which acquires the user's historical records of financial data calls based on the user identification information, wherein the historical records include the calling time, calling path and calling result of the financial data; The judgment module judges whether it is necessary to call the financial data of the user again based on the historical record of the user calling the financial data and the reuse period of the financial data, including: Determine whether the user's call to the financial data is the first call based on the client's access request, access time, and the user's call record for the financial data; If the user's call to the financial data is not the first call, determining whether the user's access time is within the reuse period of the financial data; When the user's access time is within the reuse period of the financial data, all cached financial data in the relevant database on the calling data platform are queried and traversed according to the user identification information to perform data matching to obtain the financial data to be called; the calling data platform caches and records the called financial data to facilitate direct use of the called financial data within the reuse period without re-calling; According to the data update time, update frequency and closing time of each routing interface of each financial data, a reuse period of the financial data corresponding to the routing interface is set for each different adapted routing interface, and a corresponding relationship table is established to record on the calling data platform; and when the routing interface to be called again is closed, the financial data can be called in time through the backup or alternative routing interface; A calling module, when the financial data of the user needs to be called again, selects a calling path from multiple routes according to a predetermined calling rule to call again the financial data of the user; The setting module is used to preset the calling rules to optimize data calling, which includes various financial data associated with user identification information, the reuse period of each financial data, the route corresponding to each financial data and the spare route.

6. The device according to claim 5, characterized in that Also includes: In the case that the user's call to the financial data is the first call, at least one adaptation routing interface corresponding to the financial data to be called is provided according to a predetermined calling rule to perform the call.

7. The device according to claim 5, characterized in that Also includes: In the case that the user's access time is not within the reuse period of the financial data, it is determined to re-call the financial data, and the adaptation routing interface is automatically connected to determine the calling path to call the financial data.

8. The device according to any one of claims 5 to 7, characterized in that It also includes a monitoring module, which is used to monitor whether the financial data in the database corresponding to each routing interface is updated, the update time and the update number.

9. An electronic device, wherein: The electronic device includes: processor; and, A memory storing computer executable instructions which, when executed, cause the processor to perform a method according to any one of claims 1 to 4.

10. A computer-readable storage medium, wherein: The computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the method of any one of claims 1 to 4 is implemented.

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