Method, device and storage medium for obtaining customer view

Abstract

The present disclosure discloses a method, device and storage medium for obtaining a customer view, and relates to the field of computer technology. The specific implementation scheme is: perform security verification according to customer requests; obtain account information and cache information according to customer requests; perform timeliness check on the cache information according to the account information; and generate a customer view according to the result of the timeliness check. The embodiment of the present disclosure determines the timeliness of the cache information through timeliness check. If the cache information is time-effective, the customer view can be directly generated according to the cache information, saving the time of retrieving data from the database and improving the efficiency of generating the customer view.

Description

Technical Field

[0001] The present disclosure relates to the field of artificial intelligence recognition and classification technology, and in particular to a method, device and storage medium for acquiring customer views. Background Art

[0002] At present, online consumer services are becoming more and more convenient, and the number and types of services that customers can conduct are growing rapidly, which has put forward new requirements for the information system of the financial industry, including functional and non-functional requirements of the customer view.

[0003] In the related technology, it is necessary to access data from the database according to the customer's business needs and generate a customer view. Due to the increase in the number and types of current businesses, the database needs to be accessed multiple times, resulting in a slow speed in generating customer views, which affects the customer experience. Summary of the invention

[0004] The present disclosure provides a method, device and storage medium for obtaining a customer view. The technical solution of the present disclosure is as follows:

[0005] According to a first aspect of an embodiment of the present disclosure, a method for acquiring a customer view is provided, comprising:

[0006] Perform security checks based on customer requests.

[0007] Obtain account information upon customer request.

[0008] Performing timeliness check on the cache information according to the account information;

[0009] A customer view is generated based on the result of the timeliness check.

[0010] Optionally, the security verification according to the customer's request includes:

[0011] A routing operation is performed according to the client request.

[0012] Verification is performed according to the client request.

[0013] Optionally, the performing a routing operation according to the client request includes at least one of the following:

[0014] Routing based on flow control policy.

[0015] Routing based on legal entity number.

[0016] Routing based on system availability.

[0017] Optionally, the verifying according to the client request includes at least one of the following:

[0018] Verify the teller's operating authority.

[0019] Perform transaction date verification.

[0020] Perform security header verification on request messages.

[0021] Optionally, obtaining account information according to a customer request includes:

[0022] Read the customer information table to obtain identity information based on customer request.

[0023] The account relationship table is read according to the customer's request to obtain account information, wherein the account information includes the loan account associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account.

[0024] Optionally, the performing timeliness check on the cache information according to the account information includes:

[0025] If the update time of the cache information is consistent with the transaction time of the account information, it is determined that the cache information is timely, and the customer view is generated according to the account data table in the cache information;

[0026] If the update time of the account cache information is inconsistent with the transaction time of the account information, it is determined that the cache information is not timely, and a customer view is generated according to the account data table in the account information.

[0027] Optionally, generating a customer view according to an account data table in the account information includes:

[0028] Acquire the account data table from the database according to the loan account ID of the loan account;

[0029] The customer view is generated according to the account data table.

[0030] Optionally, generating a customer view according to the result of the timeliness check includes:

[0031] reordering the account data table;

[0032] paginating the account data table according to customer type;

[0033] A display model is generated according to the loan amount in the account information.

[0034] According to a second aspect of an embodiment of the present disclosure, there is provided a device for acquiring a customer view, comprising:

[0035] Verification module, used to perform security verification according to customer requests;

[0036] The acquisition module is used to obtain account information and cache information according to customer requests;

[0037] A timeliness verification module, used to perform timeliness verification on the cache information according to the account information;

[0038] A view generation module is used to generate a customer view according to the result of the timeliness test.

[0039] Optionally, the verification module includes:

[0040] A routing submodule, used for performing routing operations according to the client request;

[0041] The verification submodule is used to perform verification according to the client request.

[0042] Optionally, the routing submodule includes at least one of the following:

[0043] A first routing unit, configured to route according to a flow control strategy;

[0044] The second routing unit is used for routing according to the legal person number;

[0045] The third routing unit is configured to route according to system availability.

[0046] Optionally, the check submodule includes at least one of the following:

[0047] The first verification unit is used to verify the teller's operation authority;

[0048] The second verification unit is used to verify the transaction date;

[0049] The third verification unit is used to perform security header verification of the request message.

[0050] Optionally, the acquisition module includes:

[0051] The identity acquisition submodule is used to read the customer information table to obtain identity information according to the customer request;

[0052] An account acquisition submodule is used to read the account relationship table according to the customer's request to obtain account information, wherein the account information includes the loan account information associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account;

[0053] The cache acquisition submodule is used to acquire cache information according to the client request.

[0054] Optionally, the timeliness verification module includes:

[0055] A first verification submodule determines that the cache information is timely if the update time of the cache information is consistent with the transaction time of the account information, and generates the customer view according to the account data table in the cache information;

[0056] The second verification submodule determines that the cache information is out of time if the update time of the account cache information is inconsistent with the transaction time of the account information, and generates a customer view according to the account data table in the account information.

[0057] Optionally, the first verification submodule includes:

[0058] A data table acquisition unit, used to acquire the account data table from the database according to the loan account ID of the loan account;

[0059] A customer view generation unit is used to generate the customer view according to the account data table.

[0060] Optionally, the view generation module includes:

[0061] A sorting submodule, used for re-sorting the account data table;

[0062] A paging submodule, used to paginate the account data table according to customer type;

[0063] The display submodule is used to generate a display model according to the loan amount in the account information.

[0064] According to a third aspect of an embodiment of the present disclosure, a device for acquiring a customer view is provided, characterized in that it includes:

[0065] processor;

[0066] a memory for storing instructions executable by the processor;

[0067] The processor is configured to execute the instructions to implement the method for acquiring the customer view as described in any one of the first aspects above.

[0068] According to a fourth aspect of an embodiment of the present disclosure, a non-temporary computer-readable storage medium is provided, characterized in that when instructions in the storage medium are executed by a processor of a device for acquiring a customer view, the device for acquiring a customer view is enabled to execute a method for acquiring a customer view as described in any one of the first aspects above.

[0069] According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, including a computer program, which, when executed by a processor, implements the method for acquiring a customer view according to any one of the above-mentioned first aspects.

[0070] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:

[0071] The timeliness of the cached information is determined through timeliness check. If the cached information is timely, the customer view can be directly generated based on the cached information, saving the time of retrieving data from the database and improving the efficiency of generating the customer view.

[0072] Generate corresponding customer views according to the personalized needs of customers, improve the efficiency of generating customer views, and meet the customer view needs of different customers. It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0073] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0074] Figure 1 The figure is a flow chart of a method for acquiring a customer view according to an exemplary embodiment.

[0075] Figure 2 The figure is a flow chart of a method for acquiring a customer view according to an exemplary embodiment.

[0076] Figure 3 The figure is a flow chart of a method for acquiring a customer view according to an exemplary embodiment.

[0077] Figure 4 The figure is a flow chart of a method for acquiring a customer view according to an exemplary embodiment.

[0078] Figure 5 The figure is a flow chart of a method for acquiring a customer view according to an exemplary embodiment.

[0079] Figure 6 The figure is a block diagram of a device for acquiring a customer view according to an exemplary embodiment.

[0080] Figure 7 The figure is a flow chart showing a customer view design solution according to an exemplary embodiment.

[0081] Figure 8 It is a block diagram of a device according to an exemplary embodiment. DETAILED DESCRIPTION

[0082] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0083] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0084] Customer View (CV): A loan information map built based on customer dimensions and centered on customers, and then displayed from the customer's perspective. It mainly includes personal information, loan list, account details, asset overview, etc.

[0085] Nonfunctional Requirements (NFR): The functional requirements of the software are used to describe the behaviors and functions that the system can complete, such as the order query function can complete the routing of query requests and the return and display of query results; the non-functional requirements of the software are used to describe the performance characteristics of the system, such as the order query function must be completed within 100ms.

[0086] Movable Account (MA): Generally refers to an account with frequent cash flows, and here specifically refers to a loan account that completes transactions during the day.

[0087] At present, my country's Internet development and innovation capabilities are at the international leading level. The function of the Internet has gradually changed from information transmission to providing convenient services. In recent years, online payment has further promoted the consumption upgrade of the market. The rapid development of the Internet finance and consumer finance market has also promoted the service upgrade of the financial industry. Convenient online consumer services and a more open financial environment have stimulated the outbreak of financial activities and the rapid growth of the lending market, which has put forward new requirements for the information system of the financial industry, including functional and non-functional requirements of the customer view.

[0088] The changes mainly include: 1. The number of loans per customer increased from 2-3 to 5-10; 2. The loan method changed from the previous medium- and long-term loans to installment consumer loans / short-term small and micro loans / personal quick loans, etc.; 3. The average daily transaction volume of loans increased significantly. The customer view provides customers with a comprehensive information display in real time and has become one of the important functional modules. These changes have brought great challenges to non-functional requirements.

[0089] Due to the increase in the average number of loan accounts corresponding to each customer, it takes longer to query customer account information. For example, it takes an average of 30ms to query a single account information. If the average number of loans increases from 2 to 4, the average time will increase from 60 to 120ms.

[0090] As the product variety increases, the number of data tables that need to be associated for query increases, resulting in an increase in the query time for each account. For example, each time a database connection is accessed, it takes 3ms to establish a connection. The time required to associate 7 tables increases to 12 tables, and the database access time increases from 21ms to 36ms.

[0091] The increase in transaction volume leads to increased transaction complexity and increased transaction time. For example, if a certain account completes a repayment transaction, the balance of the account needs to be recalculated, which will increase the time consumption. As a result, the construction of the customer view model is time-consuming and difficult to meet the non-functional requirements of the system.

[0092] Therefore, the present invention proposes to construct a customer view through a pre-cache design, and pre-cache the account dimension data by adding a night batch processing function. When the customer view needs to be constructed, if the cache table data is the latest, the data can be directly retrieved, and it is only necessary to associate the cache table, which greatly reduces the response time and meets the non-functional requirements of the system.

[0093] Figure 1 is a flow chart of a method for obtaining a customer view according to an exemplary embodiment. Figure 1 As shown, the following steps are included:

[0094] Step 101, perform security verification according to customer request.

[0095] In this embodiment, the customer logs into the system through different channels, and the system routes the transaction request to the target server according to a predetermined strategy.

[0096] Routing screening channels are generally divided into three types: manual routing, specification routing and weight-based routing. Rule routing can generally match the appropriate channel and complete the selection of advantages and disadvantages when performing database queries based on the collected conditions. This is the most commonly used method, which sends customer requests to the system server through routing selection.

[0097] Step 102, obtaining account information and cache information according to the client request.

[0098] In this embodiment, according to the request from the client to the server, the server reads the customer information table and the account relationship table according to the requested transaction data, obtains the customer information and the loan account under the customer's name, and reads the cache table and the account information table data.

[0099] Step 103: Perform timeliness check on the cache information according to the account information.

[0100] In the embodiment of the present application, if the cache information is updated in a timely manner, the customer view can be directly generated based on the cache information without requesting data from the database. In order to determine the timeliness of the cache information, a timeliness test is required.

[0101] If the update time of the cache information is consistent with the transaction time of the account information, it is determined that the cache information is timely, and the customer view is generated according to the account data table in the cache information;

[0102] If the update time of the account cache information is inconsistent with the transaction time of the account information, it is determined that the cache information is not timely, and a customer view is generated according to the account data table in the account information.

[0103] Step 104: Generate a customer view based on the result of the timeliness test.

[0104] In this embodiment, the customer view is generated by linking customer information, such as lender, main borrower, associated borrower, etc. or account balance opening date and other data with cache table data.

[0105] In the disclosed embodiment, a customer view is generated based on cache information, which avoids the problem of long data dispatching time from the database when there are many customers, and improves the efficiency of generating customer views. By adding cache tables and cache processing operations, the problem of long view construction time caused by the increase in accounts is effectively reduced.

[0106] Figure 2 is a flow chart of a method for obtaining a customer view according to an exemplary embodiment. Figure 2 As shown, Figure 1 Step 101 also includes the following steps:

[0107] Step 201: Perform routing operations according to the client request.

[0108] Optionally, the performing a routing operation according to the client request includes at least one of the following:

[0109] Routing based on flow control policy.

[0110] In this embodiment, the priority of data packets is guaranteed through the established flow control rules, thereby avoiding data loss.

[0111] Routing based on legal entity number.

[0112] In this embodiment, the data packets are sorted according to their customer numbers to ensure the priority of passing the data packets.

[0113] Routing based on system availability.

[0114] In this embodiment, the routes are selected according to the redundancy of the routes in the system, so that the availability of the network can be improved.

[0115] The disclosed embodiment defines rules for routing in the system to avoid data loss during transmission and ensure orderly data transmission.

[0116] Step 202: Perform verification according to the client request.

[0117] Optionally, the verifying according to the client request includes at least one of the following:

[0118] Verify the teller's operating authority.

[0119] In this embodiment, at the counter, the customer information data is verified manually or by a system.

[0120] Perform transaction date verification.

[0121] In this embodiment, the time of the information data in the customer account is checked to see if there is any error.

[0122] Perform security header verification on request messages.

[0123] In this embodiment, the IP data packet is composed of an IP message header and IP message user data. The length of the IP message header is generally between 20 and 60 bytes. The first 20 bytes of the message header are fixed, and the latter are variable. The message header is checked to ensure data integrity and improve transmission reliability.

[0124] The disclosed embodiment verifies the data packet requested by the customer, and verifies the counter, transaction date and message header respectively, thereby ensuring the integrity of the data and timely discovering errors in the data during transmission.

[0125] Figure 3 A flowchart of a method for obtaining a customer view according to an exemplary embodiment is shown as follows: Figure 3 As shown, Figure 1 Step 102 also includes the following steps:

[0126] Step 301: Read the customer information table to obtain identity information according to the user's request.

[0127] In this embodiment, the system reads the customer data packet, i.e., the information table, according to the request initiated by the customer to obtain the customer's information, such as name, gender, nationality, birthday, etc.

[0128] Step 302, according to the customer's request, read the account relationship table to obtain account information, wherein the account information includes the loan account information associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account.

[0129] In this embodiment, the customer's loan data is read from the customer identity information, including information data of the main borrower, associated borrowers and guarantor, and the information data includes the loan amount, loan date, etc.

[0130] Step 303: Obtain cache information according to the client request.

[0131] Based on the customer's request, the account loan cache information is read through the system. The cache information may optionally be the file information saved by the system when the customer last logged into the system, including the customer's identity information and loan account information.

[0132] Figure 4 A flowchart of a method for obtaining a customer view according to an exemplary embodiment is shown as follows: Figure 4 As shown, the method comprises the following steps:

[0133] Step 401, obtaining the account data table from the database according to the loan account ID of the loan account.

[0134] In this embodiment, the transaction data is read, the loan account ID is used as the key, and the relevant data tables are associated to obtain the account information. Basic data such as the first-level branch number, currency, initial loan amount, application channel code, account opening date, original contract expiration date, etc. are used directly, and the remaining interest group data, overdue information, settlement amount, etc. need to be recalculated.

[0135] Step 402: Generate the customer view according to the account data table.

[0136] In this embodiment, the account data package obtained in step 401 is assembled to obtain data, and a customer view facing the caller is generated through subsequent processing.

[0137] In the case where cached data is invalid, the disclosed embodiment generates the customer view required by the client by extracting account information, associating the initial data table and calculating new data such as overdue information, and completes the update of cached data.

[0138] Figure 5 A flowchart of a method for obtaining a customer view is shown in an exemplary embodiment, such as Figure 5 As shown, the method comprises the following steps:

[0139] Step 501, reorder the account data table.

[0140] In this embodiment, the reordering of the parallel query results can prevent the inconsistent order of the returned account list caused by database blocking, system waiting, etc.

[0141] Step 502: paginate the account data table according to customer type.

[0142] In this embodiment, paging is performed on demand according to different channel display schemes.

[0143] Step 503: Generate a display model according to the loan amount in the account information.

[0144] In this embodiment, the total amount of outstanding loans, the initial total amount, and the total amount of quick loans / micro loans / consumer loans are summarized to more comprehensively build a customer lending model that can both display and meet related transaction needs.

[0145] The disclosed embodiment performs final processing on the data, sorts and pages the complex data, and generates a customer view in the form of a framework, etc., for easy viewing by customers.

[0146] Figure 6 A block diagram of a device 600 for acquiring a customer view is shown according to an exemplary embodiment. Figure 6 The device includes a verification module 610, an acquisition module 620, a timeliness verification module 630 and a view generation module 640.

[0147] Verification module 610, used to perform security verification according to customer request;

[0148] The acquisition module 620 is used to obtain account information and cache information according to the client request;

[0149] A timeliness verification module 630, configured to perform timeliness verification on the cache information according to the account information;

[0150] The view generation module 640 is used to generate a customer view according to the result of the timeliness test.

[0151] Optionally, the verification module includes:

[0152] A routing submodule, used for performing routing operations according to the client request;

[0153] The verification submodule is used to perform verification according to the client request.

[0154] Optionally, the routing submodule includes at least one of the following:

[0155] A first routing unit, configured to route according to a flow control strategy;

[0156] The second routing unit is used for routing according to the legal person number;

[0157] The third routing unit is configured to route according to system availability.

[0158] Optionally, the check submodule includes at least one of the following:

[0159] The first verification unit is used to verify the teller's operation authority;

[0160] The second verification unit is used to verify the transaction date;

[0161] The third verification unit is used to perform security header verification of the request message.

[0162] Optionally, the acquisition module includes:

[0163] The identity acquisition submodule is used to read the customer information table to obtain identity information according to the customer request;

[0164] An account acquisition submodule is used to read the account relationship table according to the customer's request to obtain account information, wherein the account information includes the loan account information associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account;

[0165] The cache acquisition submodule is used to acquire cache information according to the client request.

[0166] Optionally, the timeliness verification module includes:

[0167] A first verification submodule determines that the cache information is timely if the update time of the cache information is consistent with the transaction time of the account information, and generates the customer view according to the account data table in the cache information;

[0168] The second verification submodule determines that the cache information is out of time if the update time of the account cache information is inconsistent with the transaction time of the account information, and generates a customer view according to the account data table in the account information.

[0169] Optionally, the first verification submodule includes:

[0170] A data table acquisition unit, used to acquire the account data table from the database according to the loan account ID of the loan account;

[0171] A customer view generation unit is used to generate the customer view according to the account data table.

[0172] Optionally, the view generation module includes:

[0173] A sorting submodule, used for re-sorting the account data table;

[0174] A paging submodule, used to paginate the account data table according to customer type;

[0175] The display submodule is used to generate a display model according to the loan amount in the account information.

[0176] Figure 7 The figure is a flow chart showing a customer view design solution according to an exemplary embodiment.

[0177] First, the customer logs in through different channels, and the system routes the transaction request to the target server according to the established strategy and performs security verification. The security verification includes routing and verification operations on customer requests.

[0178] The routing operation includes at least one of the following: routing according to flow control strategy; routing according to legal person number; routing according to system availability.

[0179] The verification operation includes at least one of the following: verifying the teller's operation authority; verifying the transaction date; and verifying the security header of the request message.

[0180] Then, the account information and cache information are obtained according to the customer's request; including reading account information such as the loan account information associated with the customer entity, and the main borrower information, associated borrower information and guarantor information and cache information in the loan account.

[0181] Read the data in the cache table and account information table to determine whether the cache data is valid. Check the two tables together, take the data update time field in the cache table and the latest transaction time field in the account information table, and verify whether the cache data is still valid. If the data is invalid, use the loan account number as the key to associate with related data tables to obtain account information. Basic data such as the first-level branch number, currency, initial loan amount, application channel code, account opening date, original contract expiration date, etc. are used directly, and interest group data, overdue information, settlement amount and other data need to be recalculated.

[0182] Finally, a customer view is generated based on the account information, and post-processing is completed, including account list sorting, on-demand paging, and account data accumulation processing. Parallel query results re-sorting can prevent inconsistent order of returned account lists caused by database blocking, system waiting, etc.; paging on demand according to different channel display plans; summarizing the total amount of loans to be repaid, the initial total amount, and the total amount of quick loans / micro loans / consumer loans to build a more comprehensive customer lending model that can both display and meet related transaction needs.

[0183] Finally, assemble the data to build the customer view and return the data to the caller.

[0184] The batch processing workflow includes:

[0185] 1. Job arrangement: After completing the end-of-day interest calculation, overdue processing, general ledger processing and automatic deduction operations, it is used as the last batch processing operation to ensure the latest data;

[0186] 2. Job design: After the job is started, all accounts in the account information table will be executed in sequence, and the account information query program will be executed and the cache table will be updated;

[0187] 3. Processing logic: reuse the account information query function of the customer view module, filter some accounts, query related tables and update data;

[0188] In the disclosed example, by adding a cache table and a cache processing job, the account information query in the customer view construction process is moved forward, effectively reducing the time-consuming view construction caused by the increase in accounts, etc.; and the batch job flow is placed at night to disperse the pressure of system resource consumption, reduce daytime expenses, achieve high availability of the system, and move system risks forward to reduce system risks.

[0189] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device, a readable storage medium and a computer program product.

[0190] Figure 8 A schematic block diagram of an example electronic device 800 that can be used to implement an embodiment of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present disclosure described and / or required herein.

[0191] like Figure 8 As shown, the device 800 includes a computing unit 801, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 802 or a computer program loaded from a storage unit 808 into a random access memory (RAM) 803. In (RAM) 803, various programs and data required for the operation of the device 800 can also be stored. The computing unit 801, (ROM) 802 and (RAM) 803 are connected to each other via a bus 804. An input / output (I / O) interface 805 is also connected to the bus 804.

[0192] A number of components in the device 800 are connected to the I / O interface 805, including: an input unit 806, such as a keyboard, a mouse, etc.; an output unit 807, such as various types of displays, speakers, etc.; a storage unit 808, such as a disk, an optical disk, etc.; and a communication unit 809, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 809 allows the device 800 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0193] The computing unit 801 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the computing unit 801 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. The computing unit 801 performs the various methods and processes described above, such as the blockchain-based digital identity verification method. For example, in some embodiments, the blockchain-based digital identity verification method may be implemented as a computer software program, which is tangibly contained in a machine-readable medium, such as a storage unit 808. In some embodiments, part or all of the computer program may be loaded and / or installed on the device 800 via (ROM) 802 and / or the communication unit 809. When the computer program is loaded into (RAM) 803 and executed by the computing unit 801, one or more steps of the blockchain-based digital identity verification method described above may be performed. Alternatively, in other embodiments, the computing unit 801 may be configured to execute the blockchain-based digital identity verification method in any other appropriate manner (e.g., by means of firmware).

[0194] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0195] The program code for implementing the method of the present disclosure may be written in any combination of one or more programming languages. These program codes may be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that the program code, when executed by the processor or controller, enables the functions / operations specified in the flow chart and / or block diagram to be implemented. The program code may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0196] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer 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 foregoing.

[0197] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0198] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0199] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method for obtaining customer views, It is characterized in that include: Conduct security checks based on customer requests; Acquire account information and cache information according to customer request, wherein the cache information is obtained by pre-caching account dimension data through night batch processing function; Performing timeliness check on the cache information according to the account information; Generate a customer view based on the result of the timeliness test, wherein the customer view refers to a loan information map constructed based on the customer dimension and with the customer as the center, and the customer view includes personal information, loan list, account details, and asset overview; The performing timeliness check on the cache information according to the account information includes: If the update time of the cache information is consistent with the transaction time of the account information, it is determined that the cache information is timely, and the customer view is generated according to the account data table in the cache information; If the update time of the account cache information is inconsistent with the transaction time of the account information, it is determined that the cache information is out of time, and a customer view is generated according to the account data table in the account information; The generating a customer view according to the account data table in the account information includes: Acquire the account data table from the database according to the loan account ID of the loan account; The customer view is generated according to the account data table.

2. The method according to claim 1, It is characterized in that The security check according to the customer's request includes: Perform routing operations according to the client request; Verification is performed according to the client request.

3. The method according to claim 2, It is characterized in that The performing of routing operations according to the client request includes at least one of the following: Routing based on flow control strategy; Routing based on legal entity number; Routing based on system availability.

4. The method according to claim 2, It is characterized in that The verifying according to the client request includes at least one of the following: Verify teller operation authority; Perform transaction date verification; Perform security header verification on request messages.

5. The method according to claim 1, It is characterized in that The obtaining of account information and cache information according to the client request includes: Read the customer information form to obtain identity information based on customer request; Reading the account relationship table to obtain account information according to the customer's request, wherein the account information includes the loan account information associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account; The cache information is obtained according to the client request.

6. The method according to claim 1, It is characterized in that Generating a customer view according to the result of the timeliness check includes: reordering the account data table; paginating the account data table according to customer type; A display model is generated according to the loan amount in the account information.

7. A device for acquiring a customer view, It is characterized in that include: Verification module, used to perform security verification according to customer requests; An acquisition module is used to acquire account information and cache information according to a customer request. The cache information is obtained by pre-caching account dimension data through a night batch processing function; A timeliness verification module, used to perform timeliness verification on the cache information according to the account information; A view generation module, used to generate a customer view according to the result of the timeliness test, wherein the customer view refers to a loan information map constructed based on the customer dimension and with the customer as the center, and the customer view includes personal information, loan list, account details, and asset overview; The timeliness verification module includes: A first verification submodule determines that the cache information is timely if the update time of the cache information is consistent with the transaction time of the account information, and generates the customer view according to the account data table in the cache information; A second verification submodule determines that the cached information is out of time if the update time of the account cache information is inconsistent with the transaction time of the account information, and generates a customer view according to the account data table in the account information; The first verification submodule includes: A data table acquisition unit, used to acquire the account data table from the database according to the loan account ID of the loan account; A customer view generation unit, configured to generate the customer view according to the account data table Obtaining the account data table; The customer view is generated according to the account data table.

8. The device according to claim 7, It is characterized in that The verification module comprises: A routing submodule, used for performing routing operations according to the client request; The verification submodule is used to perform verification according to the client request.

9. The device as claimed in claim 8, It is characterized in that The routing submodule includes at least one of the following: A first routing unit, configured to route according to a flow control strategy; The second routing unit is used for routing according to the legal person number; The third routing unit is configured to route according to system availability.

10. The device according to claim 8, It is characterized in that The check submodule includes at least one of the following: The first verification unit is used to verify the teller's operation authority; The second verification unit is used to verify the transaction date; The third verification unit is used to perform security header verification of the request message.

11. The device according to claim 7, It is characterized in that The acquisition module comprises: The identity acquisition submodule is used to read the customer information table to obtain identity information according to the customer request; An account acquisition submodule is used to read the account relationship table according to the customer's request to obtain account information, wherein the account information includes the loan account information associated with the customer subject, and the main borrower information, associated borrower information and guarantor information in the loan account; The cache acquisition submodule is used to acquire cache information according to the client request.

12. The device according to claim 7, It is characterized in that The view generation module comprises: A sorting submodule, used for re-sorting the account data table; A paging submodule, used to paginate the account data table according to customer type; The display submodule is used to generate a display model according to the loan amount in the account information.

13. A device for acquiring a customer view, It is characterized in that include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the method for acquiring the customer view as described in any one of claims 1 to 6.

14. A non-transitory computer-readable storage medium, It is characterized in that When the instructions in the storage medium are executed by a processor of a device for acquiring a customer view, the device for acquiring a customer view is enabled to execute the method for acquiring a customer view as claimed in any one of claims 1 to 6.

15. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the method for acquiring a customer view according to any one of claims 1 to 6.

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