A method and system for data synchronization in the banking and insurance industry

Abstract

This invention relates to a data synchronization method and system for the banking and insurance industry, comprising: acquiring a first standard file from a first server, the first standard file containing a first file digest code; synchronizing the first standard file to a second server; if the data in the first standard file on the first server changes, generating a second standard file, the second standard file containing a second file digest code; the second server periodically initiating query requests to compare the first file digest code with the second file digest code; when the first file digest code and the second file digest code are inconsistent, acquiring a second standard file containing the second file digest code from the first server; determining the corresponding first standard file on the second server based on the second standard file; and updating the corresponding first standard file on the second server to the second standard file. By exchanging policy information files between banks and insurance companies and introducing digest codes, the policy information of both parties is made consistent, achieving incremental updates of policy files.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a data synchronization method and system for the banking and insurance industry. Background Technology

[0002] For insurance policies underwritten through commercial banks, the relevant policy data is stored by both the commercial bank and the insurance company. However, the policy information is not static. To synchronize the data between the two parties, the common practice is for the commercial bank and the insurance company to initiate transactions to query each other's databases for policy information and update their local databases based on the query results. The commercial bank's proactive query method requires querying all policy data on its local database one by one, resulting in a massive amount of data and very low efficiency. Summary of the Invention

[0003] To address the shortcomings of existing technologies, this invention proposes a data synchronization method and system for the banking and insurance industry. By exchanging policy documents between banks and insurance companies, the system ensures consistency in policy information between the two parties. It also introduces digest codes, and the comparison of document content is based on the digest codes, enabling incremental updates of policy documents and recording every change to the policy.

[0004] To achieve the above objectives, the technical solution adopted by the present invention includes:

[0005] A method for data synchronization in the bancassurance industry includes:

[0006] Obtain a first standard file from a first server. The first standard file contains a first file digest code, wherein one first standard file corresponds to one insurance policy.

[0007] Synchronize the first standard file to the second server;

[0008] If the data in the first standard file on the first server changes, a second standard file is generated. The name of the second standard file is the same as the name of the first standard file. The second standard file contains a second file digest code.

[0009] The second server periodically initiates query requests to compare the first file digest code with the second file digest code;

[0010] When the first file digest code and the second file digest code are inconsistent, obtain the second standard file name that contains the second file digest code from the first server;

[0011] The corresponding first standard file in the second server is determined based on the second standard file name;

[0012] Update the corresponding first standard file in the second server to the second standard file.

[0013] Furthermore, the first server is a bank server or an insurance company server;

[0014] When the first server is a bank server, the second server is an insurance company server;

[0015] When the first server is an insurance company server, the second server is a bank server.

[0016] Furthermore, the first standard file is a standard structured file, and the standard structured file is in XML format.

[0017] Furthermore, the first standard file contains a first file digest code, wherein the first file digest code is generated using the MD5 algorithm.

[0018] Furthermore, the second server periodically initiates query requests to compare the first file digest code with the second file digest code, including:

[0019] The query request includes a query timestamp. The first server uses the query timestamp as the starting point to compare the first file digest code with the second file digest code.

[0020] Furthermore, the step of generating a snapshot to save the change record of the first standard file before the data of the first standard file on the first server changes is further included.

[0021] This invention also relates to a data synchronization system for the banking and insurance industry, comprising:

[0022] The acquisition module is used to acquire a first standard file on a first server. The first standard file contains a first file digest code, wherein one first standard file corresponds to one insurance policy.

[0023] The synchronization module is used to synchronize the first standard file to the second server;

[0024] The generation module is used to generate a second standard file if the data of the first standard file on the first server changes, wherein the second standard file contains a second file digest code;

[0025] The processing module is used by the second server to periodically initiate query requests and compare the first file digest code with the second file digest code;

[0026] When the first file digest code and the second file digest code are inconsistent, obtain the second standard file name that contains the second file digest code from the first server;

[0027] The corresponding first standard file in the second server is determined based on the second standard file name;

[0028] The update module is used to update the corresponding first standard file in the second server to the second standard file.

[0029] The present invention also relates to a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described method.

[0030] The present invention also relates to an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-described method.

[0031] The present invention also relates to a computer program product, including a computer program and / or instructions, characterized in that the computer program and / or instructions, when executed by a processor, implement the steps of the above-described method.

[0032] The beneficial effects of this invention are as follows:

[0033] By exchanging policy documents between banks and insurance companies, the policy information of both parties is made consistent. A digest code is introduced, and the comparison of document content is based on the digest code, which enables incremental updates of policy documents and can record every change to the policy. Attached Figure Description

[0034] Figure 1 This is a schematic diagram of the data synchronization method for the banking and insurance industry according to the present invention.

[0035] Figure 2 This is a schematic diagram of the data synchronization system for the banking and insurance industry of the present invention. Detailed Implementation

[0036] To more clearly illustrate the technical solutions of the embodiments in this specification, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are merely some examples or embodiments of this specification. For those skilled in the art, these drawings can be applied to other similar scenarios without creative effort. Unless obvious from the context or otherwise specified, the same reference numerals in the drawings represent the same structures or operations.

[0037] It should be understood that the terms “system,” “device,” “unit,” and / or “module” used herein are one way to distinguish different components, elements, parts, sections, or assemblies at different levels. However, if other terms can achieve the same purpose, they may be replaced by other expressions.

[0038] As indicated in this specification and claims, unless the context clearly indicates otherwise, the words "a," "an," "an," and / or "the" do not specifically refer to the singular and may also include the plural. Generally speaking, the terms "comprising" and "including" only indicate the inclusion of expressly identified steps and elements, which do not constitute an exclusive list, and the method or apparatus may also include other steps or elements.

[0039] Flowcharts are used in this specification to illustrate the operations performed by the system according to embodiments of this specification. It should be understood that the preceding or following operations are not necessarily performed in exact order. Instead, the steps can be processed in reverse order or simultaneously. Furthermore, other operations can be added to these processes, or one or more steps can be removed from them.

[0040] By connecting the bank's business processing system with the insurance company's system, timely transmission of policyholder information is achieved. The bank promptly conveys the underwriting information from the insurance company to the customer, and after the customer receives the underwriting, the bank returns the policy to the customer, thus providing agency insurance services to customers who conduct insurance business through the bank. For insurance policies underwritten through commercial banks, the relevant policy data is stored by both the commercial bank and the insurance company. However, the policy information is not static. For example, customer actions such as renewal payments, policy cancellations, and policy maintenance through the insurance company will change the policy information, and the bank is unaware of these changes. Similarly, changes to the policy's associated payment account through the bank are also unknown to the insurance company. Therefore, how to ensure consistency of policy information between the commercial bank and the insurance company, i.e., how to synchronize data between the two parties, is a common problem in the bancassurance industry.

[0041] The common practice is for commercial banks and insurance companies to initiate transactions to query each other's databases for policy information and update their local databases based on the query results. However, this method, where the commercial bank initiates the query, requires querying all policy data on its local database one by one, resulting in a massive amount of data and very low efficiency.

[0042] The first aspect of this invention relates to a process flow as follows: Figure 1 The data synchronization methods shown for the bancassurance industry include:

[0043] Obtain a first standard file from a first server. The first standard file contains a first file digest code, wherein one first standard file corresponds to one insurance policy.

[0044] Synchronize the first standard file to the second server;

[0045] The primary server is either a bank server or an insurance company server;

[0046] When the first server is a bank server, the second server is an insurance company server;

[0047] When the first server is an insurance company server, the second server is a bank server.

[0048] Specifically, in this embodiment, the first server is a bank server, and the second server is an insurance company server. A standard structured file method is used for data synchronization. The first standard file is based on XML format, with one first standard file corresponding to one policy. The file naming convention is "Bank Number"_"Insurance Company Number"_"Concatenated Policy Number".XML. Each first standard file uses the MD5 algorithm to generate a file digest. The first standard file exists on both the bank server and the insurance company server.

[0049] If the data of the first standard file on the first server changes, a second standard file is generated. The name of the second standard file is the same as the name of the first standard file, and the second standard file contains a second file digest code.

[0050] Specifically, in this embodiment of the application, the bank updates the first standard document while changing the policy information according to the customer's operation, and generates a second document digest code based on the content of the changed document.

[0051] The second server periodically initiates query requests to compare the first file digest code with the second file digest code. The query request includes a query timestamp, and the first server uses the query timestamp as the starting point to compare the first file digest code with the second file digest code.

[0052] When the first file digest code and the second file digest code are inconsistent, obtain the second standard file name that contains the second file digest code from the first server;

[0053] The corresponding first standard file in the second server is determined based on the second standard file name;

[0054] Update the corresponding first standard file in the second server to the second standard file.

[0055] Specifically, both banks and insurance companies periodically poll each other's servers for potentially changed policy XML files, a process known as a QUERY command. The QUERY request body contains a timestamp. When the server receives a QUERY request, it uses that timestamp as the starting point and includes the filename and digest of the first changed standard file in its system in the PULL command response body (QUERY_response), returning it to the requester. The requester reads the filename and digest from the QUERY_response and compares it with the digests of the policy information files stored in its system, identifying filenames with inconsistent digests. It then initiates a synchronization command, called a SYNC command. The SYNC request body contains the filenames with inconsistent digests. When the server receives a SYNC request, it returns the contents of all files corresponding to the filenames included in the SYNC request in the SYNC command response body (SYNC_response). The requester, upon receiving the SYNC_response, updates the corresponding file contents in its system. Compared to existing technologies that require commercial banks to query all policy data locally one by one, resulting in massive data volumes and low efficiency, this application uses a standard structured file and introduces digest codes. This eliminates the need to query all policy data one by one, and only uses the file digest codes to determine the changed policy information to achieve data synchronization, thereby improving the efficiency of data query and data synchronization.

[0056] In some embodiments, a snapshot of the contents of the first standard file is generated before it is updated. The purpose of this snapshot is to preserve a record of each change to the file, facilitating policy information tracking. Additionally, policy information can be rolled back based on the snapshot if necessary.

[0057] The system facilitates consistency in policy information between banks and insurance companies through the exchange of policy information files. It incorporates digest codes, and the comparison of file content is based on these digest codes, enabling incremental updates of policy files and recording every change to the policy.

[0058] Another aspect of this invention relates to a data synchronization system for the banking and insurance industry, the structure of which is as follows: Figure 2 As shown, it includes:

[0059] The acquisition module is used to acquire a first standard file on a first server. The first standard file contains a first file digest code, wherein one first standard file corresponds to one insurance policy.

[0060] The synchronization module is used to synchronize the first standard file to the second server;

[0061] The generation module is used to generate a second standard file if the data of the first standard file on the first server changes, wherein the second standard file contains a second file digest code;

[0062] The processing module is used by the second server to periodically initiate query requests and compare the first file digest code with the second file digest code;

[0063] When the first file digest code and the second file digest code are inconsistent, obtain the second standard file containing the second file digest code from the first server;

[0064] The corresponding first standard file in the second server is determined based on the second standard file;

[0065] The update module is used to update the corresponding first standard file in the second server to the second standard file.

[0066] By using this system, the aforementioned computational processing methods can be executed and the corresponding technical effects can be achieved.

[0067] Embodiments of the present invention also provide a computer-readable storage medium capable of implementing all steps of the banking and insurance industry data synchronization method in the above embodiments. The computer-readable storage medium stores a computer program that, when executed by a processor, implements all steps of the banking and insurance industry data synchronization method in the above embodiments.

[0068] Embodiments of the present invention also provide an electronic device for performing the above-described method. As an implementation device for the method, the electronic device includes at least a processor and a memory. In particular, the memory stores data and related computer programs required for performing the method. The processor calls the data and programs in the memory to execute all the steps of the method and obtain the corresponding technical effect.

[0069] Preferably, the electronic device may include a bus architecture, which may include any number of interconnected buses and bridges. The bus will include various circuits linked together by one or more processors and memories. The bus may also link together various other circuits such as peripherals, voltage regulators, and power management circuits, which are well known in the art and therefore will not be described further herein. The bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a unit for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used to store data used by the processor during operation.

[0070] Additionally, the electronic device may further include components such as a communication module, an input unit, an audio processor, a display, and a power supply. The processor (or controller, operating control) used may include a microprocessor or other processor device and / or logic device, which receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices, which can store the aforementioned data information, and may also store programs for executing the information, and the processor can execute the program stored in the memory to achieve information storage or processing, etc.; the input unit is used to provide input to the processor, for example, it can be a button or touch input device; the power supply is used to provide power to the electronic device; the display is used to display images and text, for example, it can be an LCD display. The communication module is a transmitter / receiver that transmits and receives signals via an antenna. The communication module (transmitter / receiver) is coupled to the processor to provide input signals and receive output signals, which can be the same as in conventional mobile communication terminals. Based on different communication technologies, multiple communication modules can be incorporated into the same electronic device, such as cellular network modules, Bluetooth modules, and / or wireless LAN modules. The communication module (transmitter / receiver) is also coupled to a speaker and microphone via an audio processor to provide audio output through the speaker and receive audio input from the microphone, thereby enabling typical telecommunications functions. The audio processor can include any suitable buffer, decoder, amplifier, etc. Furthermore, the audio processor is coupled to a central processing unit, enabling on-device recording via the microphone and on-device playback of stored sound via the speaker.

[0071] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0072] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A system that specifies functions in one or more boxes.

[0073] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including an instruction set implemented in a process. Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0074] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the functions specified in one or more boxes. Although preferred embodiments of the invention have been described, those skilled in the art, upon learning the basic inventive concept, can make other changes and modifications to these embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments as well as all changes and modifications falling within the scope of the invention.

[0075] The above description is merely a preferred embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A silver industry data synchronization method, characterized in that, The method comprises the following steps: acquiring a first standard file on a first server, the first standard file containing a first file digest code, wherein one of the first standard files corresponds to one insurance policy; synchronizing the first standard file to a second server; generating a second standard file if data of the first standard file on the first server is changed, the second standard file having the same name as the first standard file; the second standard file containing a second file digest code; the second server initiating a query request at a regular time, and comparing the first file digest code with the second file digest code; when the first file digest code is inconsistent with the second file digest code, acquiring a second standard file name containing the second file digest code in the first server; determining a corresponding first standard file in the second server according to the second standard file name; updating the corresponding first standard file in the second server as the second standard file; the first server is a bank server or an insurance company server; when the first server is a bank server, the second server is an insurance company server; when the first server is an insurance company server, the second server is a bank server; the first standard file is a standard structured file, and the standard structured file is in XML format; both the bank and the insurance company query the changed insurance policy XML file on the server of the other party through a regular polling manner, which is called a QUERY command. The request body of the QUERY command contains the time stamp of this request. When the server receives the QUERY_request, it will put the file name and the digest code of the first standard file changed in the system into the response body of the PULL command and return them to the requester. The requester reads the file name and the digest code in the QUERY_response, compares them with the insurance policy information file stored in the system, finds the file name with inconsistent digest code, and then initiates a synchronization command, which is called a SYNC command. The SYNC command contains the file name with inconsistent digest code in the request body. When the server receives the SYNC_request, it will return the file content corresponding to the file name contained in the SYNC_request in the response body of the SYNC command. The requester will update the corresponding file content in the system after receiving the SYNC_response.

2. The method of claim 1, wherein, The first standard file contains a first file digest code, and the first file digest code is generated by using an MD5 algorithm.

3. The method of claim 2, wherein, The second server initiates a query request at a regular time, and compares the first file digest code with the second file digest code, which comprises the following steps: the query request includes a query time stamp, and the first server compares the first file digest code with the second file digest code by taking the query time stamp as a time starting point.

4. The method according to any one of claims 1 to 3, characterized in that, Before the data of the first standard file on the first server is changed, a snapshot is generated to save the change record of the first standard file.

5. A silver industry data synchronization system characterized in that, The method comprises the following steps: An acquisition module is configured to acquire a first standard file on a first server, the first standard file containing a first file digest code, wherein one first standard file corresponds to one insurance policy; A synchronization module is configured to synchronize the first standard file to a second server; A generation module is configured to generate a second standard file if data of the first standard file on the first server is changed, the second standard file having the same name as the first standard file; the second standard file containing a second file digest code; A processing module is configured to initiate a query request by the second server at a regular time, and compare the first file digest code with the second file digest code; When the first file digest code is inconsistent with the second file digest code, a second standard file name containing the second file digest code in the first server is acquired; A corresponding first standard file in the second server is determined according to the second standard file name; An update module is configured to update the corresponding first standard file in the second server to the second standard file; The first server is a bank server or an insurance company server; When the first server is a bank server, the second server is an insurance company server; When the first server is an insurance company server, the second server is a bank server; The first standard file is a standard structured file, and the standard structured file is in XML format; Both the bank and the insurance company can query the changed insurance policy XML file on the server of the other party through a regular polling manner, which is called a QUERY command; the request body of the QUERY command contains a time stamp of this request; when the server receives the QUERY_request, the server puts the file name and the digest code of the first standard file changed in the system into the response body of a PULL command and returns them to the requester; The requester reads the file name and the digest code in the QUERY_response, compares the digest code with the insurance policy information file stored in the system, finds the file name with inconsistent digest code, and then initiates a synchronization command, which is called a SYNC command; the SYNC command contains the file name with inconsistent digest code in the request body; when the server receives the SYNC_request, the server returns the file contents corresponding to the file name contained in the SYNC_request in the response body of the SYNC command; the requester receives the SYNC_response and updates the corresponding file contents in the system.

6. A computer-readable storage medium, characterized in that, The storage medium stores a computer program, and the computer program is executed by the processor to implement the method in any one of claims 1 to 4.

7. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, The processor executes the computer program to implement the method in any one of claims 1 to 4.

8. A computer program product comprising computer programs and / or instructions, characterized in that, The computer program and / or instructions are executed by the processor to implement the steps of the method in any one of claims 1 to 4.

Images