Simulation system and method for real agencies

Abstract

The simulation system and method provided in the specification, each simulation institution stored in the third-party simulation platform can simulate the business behavior of the corresponding real institution by using the business processing logic of the real institution, which is constructed based on the historical data generated by the operation of the real institution, so that the business processing logic used by each simulation institution is the real business processing logic of the real institution, thereby ensuring the authenticity of the third-party simulation platform. Moreover, the third-party simulation platform stores N independent simulation institutions of real institutions, each simulation institution is customized for a specific real institution, and the third-party simulation platform can access more real institutions while retaining the unique characteristics of each real institution, and is more open and more refined.

Description

Technical Field

[0001] This specification relates to the technical field of data simulation, and in particular to a simulation system and method for real mechanisms. Background Technology

[0002] Users can access services from legitimate institutions through third-party credit platforms. For example, they can access lending services from financial institutions through a financial credit platform's lending software, or access catering services from businesses through a lifestyle credit platform's catering software. Third-party credit platforms can collaborate with legitimate institutions to deploy and upgrade their service software.

[0003] Taking financial institutions as an example, users can borrow money from financial institutions through the lending software of third-party credit platforms. This lending activity requires cooperation between the third-party credit platform and the financial institution. Since the core of the lending business has shifted to financial institutions, third-party credit platforms heavily rely on the message responses from financial institutions when upgrading and testing their lending software. In other words, third-party credit platforms need the cooperation of financial institutions to complete the upgrade, resulting in low efficiency. Furthermore, third-party credit platforms prefer to address potential problems with the new version of the lending software before its release, without impacting financial institutions.

[0004] In existing technologies, testers at third-party credit platforms create a virtual organization by simulating the abstract business processing logic of a real institution. This virtual organization allows the platform to collaboratively test service software upgrades, reducing reliance on the real institution. However, while the virtual organization's business processing logic approximates the real institution's logic, it fails to achieve true realism, resulting in poor effectiveness in upgrading and testing the service software. Summary of the Invention

[0005] This specification provides a simulation system and method for real mechanisms, which can guarantee the authenticity and openness of third-party simulation platforms.

[0006] Firstly, this specification provides a simulation system for real institutions. The simulation system includes a third-party simulation platform, which comprises: at least one storage medium storing N independent simulation mechanisms of real institutions, where N is an integer greater than 1. Each simulation mechanism includes at least one set of instructions for simulating the business behavior of the real institution using the corresponding business processing logic of the real institution, wherein the business processing logic is constructed based on historical data obtained from the operation of the real institution; and at least one processor, communicatively connected to the at least one storage medium, which, during runtime, executes: receiving business requests for a target real institution, and calling and executing the target simulation mechanism corresponding to the target real institution from among the N simulation mechanisms, and processing the business requests with personalized business processing logic unique to the target real institution.

[0007] In some embodiments, the simulation system further includes a third-party credit platform, which, during runtime, performs the following: establishing a pre-release virtual link with the third-party simulation platform, the pre-release virtual link corresponding to an institution service in the pre-release stage; sending the service request to the third-party simulation platform through the pre-release virtual link; and the third-party simulation platform, during runtime, receiving the service request transmitted through the pre-release virtual link.

[0008] In some embodiments, the third-party credit platform, during runtime, performs the following: receiving a user's real business request for a target real institution, and obtaining the request message corresponding to the real business request; and copying the request message, and sending the obtained copied message as the message of the business request to the third-party simulation platform.

[0009] In some embodiments, the third-party simulation platform further includes N external interfaces, each of which corresponds one-to-one with one of the N simulation mechanisms, and each external interface is communicatively connected to the real mechanism corresponding to the simulation mechanism; and the at least one processor, which, during runtime, also executes, through a target interface corresponding to the target simulation mechanism: receiving code instructions from the product layer of the target real mechanism, the code instructions being used to construct the business processing logic of the target real mechanism.

[0010] In some embodiments, the simulation system further includes a third-party credit platform, which, at runtime, performs the following: acquiring historical data packets exchanged with the target real institution; and synchronizing the historical data packets to the third-party simulation platform, so that testers of the target real institution can construct the business processing logic of the target real institution based on the historical data packets through the target interface, thereby deploying the target simulation institution.

[0011] In some embodiments, the true institution includes at least a financial institution, and the historical data packet includes: reconciliation documents generated by a third-party credit platform, provision documents generated by the target true institution, and messages between the third-party credit platform and the target true institution.

[0012] In some embodiments, synchronizing the historical data packets to the third-party simulation platform includes: formatting the historical data packets; performing single-number connection and data cleaning on the formatted historical data packets; and synchronizing the historical data packets after single-number connection and data cleaning to the third-party simulation platform.

[0013] In some embodiments, the third-party simulation platform performs one-to-one simulation of the real institutions, and the business processing logic of the N real institutions is different for each.

[0014] In some embodiments, the real institution includes at least a financial institution, and the business processing logic includes at least one of the following: accounting logic, account cancellation logic, and account status change logic.

[0015] Secondly, this specification also provides a simulation method for a real institution, applied to a simulation system. The simulation system includes a third-party simulation platform, which stores N independent simulation mechanisms of real institutions, where N is an integer greater than 1. Each simulation mechanism includes at least one set of instructions for simulating the business behavior of the real institution using the corresponding business processing logic. The business processing logic is constructed based on historical data obtained from the operation of the real institution. The method includes: receiving a business request for a target real institution; calling and executing a target simulation mechanism corresponding to the target real institution from the N simulation mechanisms; and controlling the target simulation mechanism to process the business request using personalized business processing logic unique to the target real institution.

[0016] In some embodiments, the simulation system further includes a third-party credit platform, wherein receiving a business request for a target real institution includes: establishing a pre-issuance virtual link between the third-party credit platform and the third-party simulation platform, the pre-issuance virtual link corresponding to a financial service in the pre-issuance stage; and receiving the business request sent by the third-party credit platform based on the pre-issuance virtual link through the third-party simulation platform.

[0017] In some embodiments, receiving the service request sent by the third-party credit platform based on the pre-issued virtual link through the third-party simulation platform includes: receiving a real service request from a user for a target real institution through the third-party credit platform, and obtaining the request message corresponding to the real service request; and copying the request message through the third-party credit platform, and sending the copied message as the service request message to the third-party simulation platform.

[0018] In some embodiments, the third-party simulation platform further includes N external interfaces, each of which corresponds one-to-one with one of the N simulation institutions. Each external interface is communicatively connected to the real institution corresponding to the simulation institution. The method further includes receiving code instructions from the product layer of the target real institution through the target interface corresponding to the target simulation institution. The code instructions are used to construct the business processing logic of the target real institution.

[0019] In some embodiments, the simulation system further includes a third-party credit platform, and the method further includes: obtaining historical data packets between the third-party credit platform and the target real institution through the third-party credit platform; and synchronizing the historical data packets to the third-party simulation platform through the third-party credit platform, so that testers of the target real institution can construct the business processing logic of the target real institution based on the historical data packets through the target interface, thereby deploying the target simulation institution.

[0020] In some embodiments, the real institution includes at least a financial institution, and the historical data package includes: reconciliation documents generated by a third-party credit platform, provision documents generated by the target financial institution, and communication messages between the third-party credit platform and the target financial institution.

[0021] In some embodiments, synchronizing the historical data packets to the third-party simulation platform via the third-party credit platform includes: formatting the historical data packets via the third-party credit platform; performing single-number connection and data cleaning on the formatted historical data packets via the third-party credit platform; and synchronizing the historical data packets after single-number connection and data cleaning to the third-party simulation platform via the third-party credit platform.

[0022] In some embodiments, the third-party simulation platform performs one-to-one simulation of the real institutions, and the business processing logic of the N real institutions is different for each.

[0023] In some embodiments, the real institution includes at least a financial institution, and the business processing logic includes at least one of the following: accounting logic, account cancellation logic, and account status change logic.

[0024] As can be seen from the above technical solutions, in the simulation system and method for real institutions provided in this specification, each simulation institution stored on the third-party simulation platform can simulate the business behavior of the real institution using the corresponding business processing logic of the real institution. This business processing logic is constructed based on the historical data generated by the operation of the real institution, ensuring that the business processing logic used by each simulation institution is the actual business processing logic of the real institution, thereby guaranteeing the authenticity of the third-party simulation platform. In any situation where the intervention of the real institution is required, the third-party simulation platform can be used as a substitute, ensuring the authenticity of the business processing logic while avoiding any impact on the real institution. Moreover, the third-party simulation platform stores N independent simulation institutions of real institutions, each of which is customized for a specific real institution. If the business processing logic of different real institutions is different, the business processing logic of their respective simulation institutions will also be different. It can be seen that the third-party simulation platform can connect more real institutions while retaining the unique characteristics of each real institution, rather than using a universal simulation template to connect all real institutions, making it more open and more refined.

[0025] Additional features of the simulation system and method for real mechanisms provided in this specification will be partially listed in the following description. The figures and examples presented below will be readily apparent to those skilled in the art. The inventive aspects of the simulation system and method for real mechanisms provided in this specification can be fully understood through practice or use of the methods, apparatus, and combinations described in the detailed examples below. Attached Figure Description

[0026] To more clearly illustrate the technical solutions in the embodiments of this specification, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0027] Figure 1 A schematic diagram illustrating an application scenario of a simulation system 001 for a real mechanism provided according to some embodiments of this specification is shown.

[0028] Figure 2 This specification shows a hardware structure diagram of a computing device 600 according to some embodiments; and

[0029] Figure 3 A flowchart of a simulation method 300 for a real mechanism provided according to some embodiments of this specification is shown. Detailed Implementation

[0030] The following description provides specific application scenarios and requirements for this specification, intended to enable those skilled in the art to make and use the contents of this specification. Various partial modifications to the disclosed embodiments will be apparent to those skilled in the art, and the general principles defined herein can be applied to other embodiments and applications without departing from the spirit and scope of this specification. Therefore, this specification is not limited to the embodiments shown, but rather to the widest scope consistent with the claims.

[0031] The terminology used herein is for the purpose of describing particular exemplary embodiments only and is not restrictive. For example, unless the context clearly indicates otherwise, the singular forms “a,” “an,” and “the” used herein may also include the plural forms. When used in this specification, the terms “comprising,” “including,” and / or “containing” mean that the associated integers, steps, operations, elements, and / or components are present, but do not exclude the presence of one or more other features, integers, steps, operations, elements, components, and / or groups, or that other features, integers, steps, operations, elements, components, and / or groups may be added to the system / method.

[0032] Considering the following description, these and other features of this specification, as well as the operation and function of the related components of the structure, and the economy of assembly and manufacture of the parts, can be significantly improved. All of these form part of this specification with reference to the accompanying drawings. However, it should be clearly understood that the drawings are for illustrative and descriptive purposes only and are not intended to limit the scope of this specification. It should also be understood that the drawings are not drawn to scale.

[0033] The flowcharts used in this specification illustrate operations implemented according to some embodiments of this specification. It should be clearly understood that the operations in the flowcharts may not be implemented in a sequential order. Instead, the operations may be implemented in reverse order or simultaneously. Furthermore, one or more additional operations may be added to the flowcharts. One or more operations may be removed from the flowcharts.

[0034] For ease of description, this manual explains the terms that will appear in the following descriptions:

[0035] Pre-release: A testing environment that a software undergoes before going live. The latest program code is deployed in this environment, and the configuration is basically the same as the production environment, but some personalized test configurations may differ.

[0036] Figure 1 A schematic diagram illustrating an application scenario of a simulation system 001 for a real mechanism, provided according to some embodiments of this specification, is shown. For example... Figure 1As shown in the diagram, the application scenario includes the simulation system 001, the user 003, and the real institution. The real institution can be any organization that needs to provide services to the user on the service software, such as financial institutions, merchants, convenience service providers, educational charities, etc. For ease of description, this specification will use financial institution 005 as an example to describe the real institution. It should be understood that other real institutions that do not depart from the core spirit of this application are also within the scope of protection of this application.

[0037] The simulation system 001 may include a third-party credit platform 100 and a third-party simulation platform 200.

[0038] The third-party credit platform 100 is an independent entity, separate from both user 003 and financial institution 005. According to national regulations, credit platforms must be separated from local financial institutions. Thus, lending activities occur at the local financial institution 005. The third-party credit platform 100 provides user credit information to the local financial institution 005 but does not participate in the lending activities of financial institution 005. Financial institution 005 can be institutions such as China Merchants Bank, Ping An Bank, Postal Savings Bank of China, Guangfa Bank, or insurance companies. The third-party credit platform 100 can establish a lending relationship between user 003 and financial institution 005 based on user 003's credit information through lending software. For example, the third-party credit platform could be Alipay or Ant Financial, and the lending software could be Credit Loan or Huabei. User 003 can be a registered user of the third-party credit platform 100. The third-party credit platform 100 can include a client and a server. The client can be an application that provides lending services to user 003. The client can run on the user's terminal and provide a user interface through the user terminal. User 003 can perform business operations on the user interface, such as lending, checking outstanding balances, and making repayments. The client can receive business requests corresponding to the business operations, such as loan requests, requests to inquire about outstanding debts, and repayment requests, and then send the business requests to the server of the third-party credit platform 100 via the network. The user terminal can be a hardware device used by user 003 to communicate with the server of the third-party credit platform 100. In some embodiments, the user terminal may include mobile devices, tablets, laptops, built-in devices in motor vehicles, or similar content, or any combination thereof. In some embodiments, mobile devices may include smart home devices, smart mobile devices, virtual reality devices, augmented reality devices, or similar devices, or any combination thereof. In some embodiments, smart home devices may include smart TVs, desktop computers, or any combination thereof. In some embodiments, smart mobile devices may include smartphones, personal digital assistants, gaming devices, navigation devices, or any combination thereof. In some embodiments, virtual reality devices or augmented reality devices may include virtual reality headsets, virtual reality glasses, virtual reality patches, augmented reality headsets, augmented reality glasses, augmented reality patches, or similar content, or any combination thereof. For example, virtual reality devices or augmented reality devices may include Google Glass, head-mounted displays, VR, etc. In some embodiments, built-in devices in motor vehicles may include in-vehicle computers, in-vehicle televisions, etc. In some embodiments, the user terminal may be a device with positioning technology for locating the user terminal's position. In some embodiments, the user terminal may have one or more other applications (APPs) installed. The APP provides the user with the ability and interface to interact with the outside world via a network.The term "APP" includes, but is not limited to, web browser APPs, search APPs, chat APPs, shopping APPs, video APPs, financial management APPs, instant messaging tools, email clients, social media platforms, etc. In some embodiments, a target APP may be installed on the user's terminal. The target APP is a client (application) of a third-party credit platform 100, and this target APP is capable of communicating with the server of the third-party credit platform 100.

[0039] The server of the third-party credit platform 100 can provide various services to its clients. For example, it can provide solutions for loan matters to user 003 and the client. User 003 can register on the server of the third-party credit platform 100 through the target app and enjoy the services provided by the server, such as loan services. In some embodiments, the server of the third-party credit platform 100 can receive the business request from the client and send the business request in the form of a message (outgoing message) over the network to the server of a real institution (such as financial institution 005). The server of financial institution 005 can process the business request, respond to the business request, and return an outgoing message callback to the server of the third-party credit platform 100. For example, the outgoing message callback corresponding to a business request to inquire about outstanding debts could be "Okay, your outstanding debt is 100 yuan". In some embodiments, the server of financial institution 005 can also send a request to the server of the third-party credit platform 100 in the form of a message (incoming message). For example, user 003 borrows 100 yuan from financial institution 005 but fails to repay on the agreed repayment date. In this case, the server of financial institution 005 can send a message to the server of third-party credit platform 100 to initiate a deduction request to user 003. If user 003 performs the repayment action after receiving the deduction request through the client, the server of third-party credit platform 100 can send a callback message to the server of financial institution 005, indicating that user 003 has repaid the loan. Financial institution 005 could be, for example, a bank such as Ping An Bank, Postal Savings Bank of China, or Guangfa Bank.

[0040] Third-party credit platform 100 acts as a link between user 003 and financial institution 005. It can deposit funds from financial institution 005 into user 003's account, and automatically deduct the corresponding repayment amount from user 003's account after user 003 signs a direct debit agreement. Therefore, third-party credit platform 100 can store one or more accounts associated with each user 003. These accounts store the digital currency corresponding to user 003. For example, the account can be a bank card, such as a debit card or credit card, etc.

[0041] During communication with real institutions (such as financial institutions 005), the third-party credit platform 100 generates a large amount of historical data. This historical data can include messages between the third-party credit platform 100 and financial institutions 005, such as the aforementioned past reports, past report callbacks, and incoming reports. The historical data can also include reconciliation files generated by the third-party credit platform 100. These reconciliation files include the IDs of multiple users 003. Each user ID can be used to uniquely identify user 003, and each user ID corresponds to a transaction history for user 003, including loan transactions and repayment transactions. The loan transaction history can include information such as the time, amount, purpose, bank, and receiving account for each loan taken out by user 003. The repayment transaction history can include information such as the time, amount, bank, and account for each repayment by user 003. Some users 003 may not repay on time, and financial institutions 005 may increase interest accordingly. Therefore, the reconciliation file can also include the user IDs of those users who incurred interest. The historical data can also include accrual files generated by the target financial institution. The accrual documents may include multiple user IDs (003) and multiple transaction records for each user ID. When providing lending services to user 003, financial institution 005 may offer user 003 selectable loan terms, such as 3, 6, 9, or 12 months. Financial institution 005 may also offer user 003 installment repayment and lump-sum repayment methods. Installment repayment may include equal monthly installments, interest-only payments followed by principal repayment, or principal-only payments followed by interest repayment. Lump-sum repayment may include paying all interest in one lump sum or paying both principal and interest in one lump sum. Financial institution 005 can develop a specific repayment plan for user 003 based on the loan term and repayment method chosen by user 003. Different loan terms and repayment methods may correspond to different interest rates. For example, with the same loan amount and loan term, equal monthly installments result in the same principal and interest payments each month, while interest-only payments result in different principal and interest payments each month. If user 003 fails to repay according to the pre-established repayment plan, financial institution 005 can update the original repayment plan after user 003 makes the repayment. Therefore, the accrual document can include the loan term, repayment method, and repayment plan for each transaction, and the repayment plan can include the principal plus interest that user 003 needs to repay each month. Correspondingly, the third-party credit platform 100 and the financial institution 005 can respectively collect the aforementioned historical data, such as transaction messages, reconciliation documents, and accrual documents.

[0042] The third-party simulation platform 200 is a platform capable of simulating multiple real institutions (such as financial institutions 005). The third-party simulation platform 200 may include a server, which can share one or a group of servers with the third-party credit platform 100, or they can use different servers. The server of the third-party simulation platform 200 may include at least one storage medium and at least one processor. Personnel of the simulation system 001 can set up the third-party simulation platform on the server of the third-party simulation platform 200. The setup steps may include, for example, installing an operating system, installing a database, performing antivirus scans, establishing a link with the third-party credit platform 100, and configuring relevant data. After the third-party simulation platform 200 is set up, the third-party credit platform 100 can send the acquired historical data, such as transaction messages, reconciliation files, and accrual files, to the third-party simulation platform 200 through the link. In some embodiments, the third-party credit platform 100 can package historical data within a certain time period and send the packaged historical data package to the third-party simulation platform 200. The certain time period may be the past month, the past three months, the past six months, etc. In some embodiments, the third-party credit platform 100 can synchronize historical data packets to the third-party simulation platform 200 to ensure that the historical data packets in the third-party simulation platform 200 are identical to those in the third-party credit platform 100. Synchronization refers to the third-party credit platform 100 uploading the historical data packets to the third-party simulation platform 200 within a very short time after their generation. Since communication between the third-party credit platform 100 and the real institution (such as financial institution 005) is frequent and messages are generated constantly, the third-party credit platform 100 can continuously synchronize messages in real time. The third-party credit platform 100 can compile and synchronize reconciliation files and accrual files at the end of each day, for example, synchronizing files generated that day at 24:00. In some embodiments, the third-party credit platform 100 can process the historical data packets before synchronizing them. The third-party credit platform 100 can first format the historical data packets, for example, by combining the reconciliation files and accrual files into one file, and then unifying that file and messages into a single data structure. This data structure can reflect the current status of a user ID. The third-party credit platform 100 can perform single-number concatenation and data cleaning on the formatted historical data packets. One user ID can correspond to multiple transaction records, and each transaction record can correspond to multiple messages. The third-party credit platform 100 can concatenate multiple messages using single-number concatenation, with the concatenated message corresponding to one transaction record. Alternatively, the third-party credit platform 100 can concatenate multiple transaction records using single-number concatenation, with the concatenated transaction record corresponding to one user ID. The numbers used to concatenate messages or transaction records can be odd numbers, even numbers, or alternating odd and even numbers, etc.The data cleaning process involves the third-party credit platform 100 removing invalid truncated data from historical data packets following a single-number connection. This invalid truncated data can include incomplete messages; for example, if a past report lacks a corresponding callback, that report is deleted. Afterward, the third-party credit platform 100 can obtain the historical data packets that have undergone data processing (such as single-number connection and data cleaning). These historical data packets include processed messages and database files. The third-party credit platform 100 can then synchronize the processed historical data packets to the third-party simulation platform 200.

[0043] The third-party simulation platform 200 may include N external interfaces, where N is an integer greater than 1, such as 2, 3, 4, etc. Each of the N external interfaces corresponds one-to-one with N real institutions (e.g., financial institution 005), and each external interface communicates with the corresponding financial institution. Each financial institution 005 can deploy its own simulation institution on the third-party simulation platform 200 through its corresponding interface. In some embodiments, testers of financial institution 005 can establish a code space on the third-party simulation platform 200 through the corresponding external interface, and write logic code in this code space by referencing historical data packets provided by the third-party simulation platform 200 to construct the business processing logic of the target financial institution, thereby deploying the simulation institution corresponding to financial institution 005. At this time, the third-party simulation platform 200 can receive code instructions corresponding to the logic code, which are used to construct the business processing logic of the target financial institution. In this way, N simulation institutions are deployed on the third-party simulation platform 200, with each of the N external interfaces corresponding one-to-one with a simulation institution. By having the staff of financial institution 005 personally construct the business processing logic of the simulation institution, the authenticity of the third-party simulation platform 200 is ensured. The external interface can be a user interface, a port, etc.

[0044] It should be noted that the business processing logic described can be understood as the methods and rules by which a real institution handles service business. Taking financial institution 005 as an example, the business processing logic refers to the methods and rules by which financial institution 005 handles lending business. Different financial institutions 005 may have different business processing logics. For example, financial institution A's repayment method uses a "principal first, interest later" logic, while financial institution B's repayment method uses a "interest first, principal later" logic, and so on. The business processing logic may include at least one of the following: accounting logic, account cancellation logic, and account status change logic. The accounting logic may be the methods and rules by which financial institution 005 records each loan. For example, financial institution A's accounting logic includes recording the purpose of each loan, while financial institution B's accounting logic does not include the purpose of each loan. The account cancellation logic may be the methods and rules by which financial institution 005 records each repayment and calculates the remaining principal and interest after each repayment. For example, Financial Institution A's cancellation logic includes calculating the remaining principal and interest of the loan according to the original repayment method after user 003 has repaid part of the amount. Financial Institution B's cancellation logic includes allowing user 003 to choose a new repayment method after repaying part of the amount, and Financial Institution B calculating the remaining principal and interest based on the newly chosen repayment method. The account status change logic can be the method and rules by which Financial Institution 005 changes user 003's account status: marking user 003's account status as "repayment status" on the repayment date, and marking user 003's account status as "overdue" when user 003 is overdue. For example, if a user is overdue for 1 day and 1 week, Financial Institution A will mark the user's account status as "overdue," while Financial Institution B will mark the user's account status as "slightly overdue" if the user is overdue for 1 day, and "severely overdue" if the user is overdue for 1 week. The business processing logic may also include the logic for merging repayment dates. This logic could be a method or rule used by financial institution 005 to merge repayment dates based on the loan date of user 003. For example, if the monthly repayment date is the 15th, and user 003 takes out a loan on the 2nd of the month, the first repayment date should be the second 15th (the 15th of the following month) from the loan date, not the first 15th (the 15th of the current month). Therefore, financial institution 005 can merge the 15th of the current month with the 15th of the following month, using only the 15th of the following month as the first repayment date. The business processing logic may also include the logic for obtaining credit. This logic could be a method or rule used by financial institution 005 to obtain information authorized by user 003. For example, when financial institution A borrows money from user 003, it needs to obtain information authorized by user 003 including their employer and average monthly salary, while when financial institution B borrows money from user 003, it needs to obtain information authorized by user 003 that does not include their employer and average monthly salary.Of course, different financial institutions may have the same business processing logic for their 005 loans. For example, the logic for merging repayment dates for multiple financial institutions' 005 loans is the same.

[0045] The third-party simulation platform 200 may include at least one storage medium, which may store N simulation institutions deployed by N independent real institutions (such as financial institution 005). Each simulation institution may include at least one set of instructions for simulating the business behavior of the corresponding financial institution using its business processing logic, which is constructed based on historical data generated by the operation of the financial institution. The third-party simulation platform 200 may also include at least one processor, which is communicatively connected to the at least one storage medium. After the third-party simulation platform 200 has deployed multiple simulation institutions, the third-party credit platform 100 can use the simulation institutions to conduct pre-release testing of the new version of the lending software. In some embodiments, the third-party credit platform 100 may pre-establish a pre-release virtual link with the third-party simulation platform 200, and send a business request for a target financial institution (any financial institution) to the third-party simulation platform 200 through this pre-release virtual link, so that the third-party simulation platform 200 can receive the business request through the processor. The third-party simulation platform 200 can use the processor to call the target simulation institution corresponding to the target financial institution from among N simulation institutions, and execute the target simulation institution to process the business request with the personalized business processing logic unique to the target financial institution. The pre-release virtual link can correspond to a pre-release institutional service (such as a financial service). For example, if the third-party credit platform 100 adds a new financial service to its lending software, such as increasing the loan limit, it needs to test the new financial service in the lending software during the pre-release phase. The third-party credit platform 100 can then establish a pre-release virtual link for testing this financial service. The third-party credit platform 100 completes the pre-release testing of the new version of the lending software by executing the simulation institution until no problems arise, meaning the new version of the lending software will not have any impact on the financial institution. At this point, the new version can be applied online, and the financial institution can then process business requests generated by the new version.

[0046] To further ensure the authenticity of the testing environment for the new version of the lending software, the third-party credit platform 100 can replicate real user business requests and then use these real business requests to invoke a simulation institution to complete the test. In some embodiments, the third-party credit platform 100 can receive a real business request from user 003 for a target real institution (such as financial institution 005), obtain the request message corresponding to the real business request, replicate the request message, and send the replicated message as a business request in the pre-release test environment to the third-party simulation platform 200. See [link to relevant documentation]. Figure 1 The arrow points diagonally upwards to the right. In some embodiments, the third-party credit platform 100 may also receive business requests simulated by testers and send them to the third-party simulation platform 200 as business requests in the pre-release test environment; this application embodiment does not limit this.

[0047] In summary, the business processing logic used by each simulation institution is the actual business processing logic of the real institution (such as a financial institution), ensuring the authenticity of the third-party simulation platform 200. In any situation requiring the intervention of a real institution, the simulation institution in the third-party simulation platform 200 can be used as a substitute. That is, the simulation platform can be used in any scenario requiring the intervention of a real institution, ensuring the authenticity of the business processing logic while avoiding any impact on the real institution. For example, the process of the third-party credit platform 100 testing a new version of its software in a pre-release environment requires the intervention of a real institution, but this is inefficient. Therefore, the third-party credit platform 100 can use the simulation platform 200, which has authentic business processing logic, for testing. This achieves decoupling of the new version from external real institutions before it is released to the public, resulting in high efficiency without affecting the real institution, while maintaining high authenticity. Moreover, the third-party simulation platform 200 stores N independent simulation institutions for real institutions. Each simulation institution is customized for a specific real institution, meaning that the third-party simulation platform 200 can connect to more real institutions while retaining the unique characteristics of each real institution, rather than using a universal simulation template to connect to all real institutions. This makes it more open and more refined. If a generic simulation template is used to connect to all real institutions, it means that the business processing logic of all simulated institutions is the same, and there is no distinction between which real institution it is, so the realism of the simulated institutions is poor.

[0048] Figure 2A hardware structure diagram of a computing device 600 provided according to an embodiment of this specification is shown. The computing device 600 can execute the simulation methods described in this specification. These simulation methods are described in other parts of this specification. The computing device 600 can be a server, which may be a server of a third-party credit platform 100, a server of a third-party simulation platform 200, or other types of servers; this application embodiment does not limit the specific type of server.

[0049] like Figure 2 As shown, the computing device 600 may include at least one storage medium 630 and at least one processor 620. In some embodiments, the computing device 600 may also include a communication port 650 and an internal communication bus 610. Additionally, the computing device 600 may include I / O components 660.

[0050] The internal communication bus 610 can connect different system components, including storage medium 630, processor 620 and communication port 650.

[0051] I / O component 660 supports input / output between computing device 600 and other components.

[0052] Communication port 650 is used for data communication between computing device 600 and external sources. For example, communication port 650 can be used for data communication between computing device 600 and network 400. Communication port 650 can be a wired communication port or a wireless communication port.

[0053] Storage medium 630 may include a data storage device. The data storage device may be a non-transitory storage medium or a temporary storage medium. For example, the data storage device may include one or more of a disk 632, a read-only storage medium (ROM) 634, or a random access storage medium (RAM) 636. Storage medium 630 also includes at least one instruction set stored in the data storage device. The instructions are computer program code, which may include programs, routines, objects, components, data structures, procedures, modules, etc., that execute the simulation methods provided in this specification.

[0054] At least one processor 620 can be communicatively connected to at least one storage medium 630 and a communication port 650 via an internal communication bus 610. The at least one processor 620 is used to execute the at least one instruction set described above. When the computing device 600 is running, the at least one processor 620 reads the at least one instruction set and, according to the instructions of the at least one instruction set, executes the simulation method provided in this specification. The processor 620 can execute all the steps included in the simulation method. The processor 620 can be in the form of one or more processors. In some embodiments, the processor 620 may include one or more hardware processors, such as a microcontroller, microprocessor, reduced instruction set computer (RISC), application-specific integrated circuit (ASIC), application-specific instruction set processor (ASIP), central processing unit (CPU), graphics processing unit (GPU), physical processing unit (PPU), microcontroller unit, digital signal processor (DSP), field-programmable gate array (FPGA), advanced RISC machine (ARM), programmable logic device (PLD), any circuit or processor capable of performing one or more functions, or any combination thereof. For illustrative purposes only, only one processor 620 is described in this specification for the computing device 600. However, it should be noted that the computing device 600 in this specification may also include multiple processors. Therefore, the operation and / or method steps disclosed in this specification may be executed by one processor as described in this specification, or they may be executed jointly by multiple processors. For example, if the processor 620 of the computing device 600 in this specification executes steps A and B, it should be understood that steps A and B may also be executed jointly or separately by two different processors 620 (e.g., the first processor executes step A, the second processor executes step B, or the first and second processors jointly execute steps A and B).

[0055] Figure 3 A flowchart of a simulation method 300 for a real mechanism according to some embodiments of this specification is shown. As previously described, the simulation system 001 can be used to execute the simulation method 300 described herein. Specifically, the processor 120 can read an instruction set stored in its local storage medium and then execute the simulation method 300 described herein according to the instructions in the instruction set. Figure 3 As shown, the method 300 may include:

[0056] S310: Receive business requests for the target real organization.

[0057] The simulation system includes a third-party simulation platform that stores N independent simulation models of real institutions, where N is an integer greater than 1. Each simulation model includes at least one set of instructions used to simulate the business behavior of the corresponding real institution using its business processing logic. This business processing logic is constructed based on historical data obtained from the operation of the real institution. The business processing logic of the N real institutions is different for each. When the real institution is a financial institution, the business processing logic includes at least one of the following: accounting logic, account cancellation logic, and account status change logic. A description of the simulation system can be found in [reference needed]. Figure 1 .

[0058] The simulation system also includes a third-party credit platform. In some embodiments, the simulation system can establish a pre-launch virtual link between the third-party credit platform and the third-party simulation platform. This pre-launch virtual link corresponds to a pre-launch institutional service (such as financial services), and the simulation system receives business requests sent by the third-party credit platform based on the pre-launch virtual link. Specifically, the simulation system can receive real business requests from users targeting a real institution through the third-party credit platform, obtain the request message corresponding to the real business request, copy the request message through the third-party credit platform, and send the copied message as the business request message to the third-party simulation platform.

[0059] The third-party simulation platform further includes N external interfaces, each corresponding one-to-one with one of the N simulation institutions. Each external interface communicates with the corresponding real institution. In some embodiments, the simulation system can receive code instructions from the product layer of the target real institution through the target interface corresponding to the target simulation institution. These code instructions are used to construct the business processing logic of the target real institution. In some embodiments, the simulation system can also obtain historical data packets between the third-party credit platform and the target real institution through the third-party credit platform, and synchronize these historical data packets to the third-party simulation platform. This allows testers of the target real institution to construct the business processing logic of the target real institution based on the historical data packets through the target interface, thereby deploying the target simulation institution. When the real institution is a financial institution, the historical data packets include: reconciliation files generated by the third-party credit platform, accrual files generated by the target financial institution, and exchange messages between the third-party credit platform and the target financial institution. In some embodiments, the simulation system can also format the historical data packets through the third-party credit platform, perform single-number connection and data cleaning on the formatted historical data packets through the third-party credit platform, and synchronize the historical data packets after single-number connection and data cleaning to the third-party simulation platform through the third-party credit platform.

[0060] The method 300 may further include:

[0061] S320: Call and execute the target simulation mechanism corresponding to the target real mechanism from the N simulation mechanisms.

[0062] S330: Control the target simulation mechanism to process the business request using the personalized business processing logic unique to the target real mechanism.

[0063] In summary, this specification provides simulation system 001 and method 300. The business processing logic used by each simulation mechanism is the actual business processing logic of the real mechanism, ensuring the authenticity of the third-party simulation platform 200. In any situation requiring the intervention of a real mechanism, the simulation mechanism in the third-party simulation platform 200 can be used as a substitute. That is, the simulation platform can be used in any scenario requiring the intervention of a real mechanism, ensuring the authenticity of the business processing logic while avoiding any impact on the real mechanism. For example, the process of the third-party credit platform 100 testing a new version of software in a pre-release environment requires the intervention of a real mechanism, but this is inefficient. Therefore, the third-party credit platform 100 can use the simulation platform 200 with its authentic business processing logic for testing, achieving decoupling of the new version from the external real mechanism before its release. This is efficient, avoids impacting the real mechanism, and maintains high authenticity. Furthermore, the third-party simulation platform 200 stores N independent simulation models of real institutions. Each simulation model is customized for a specific real institution. This means that the third-party simulation platform 200 can connect to more real institutions while retaining the unique characteristics of each real institution, rather than using a universal simulation template to connect to all real institutions. This approach is more open and more refined. If a universal simulation template were used to connect to all real institutions, it would mean that all simulation models would have the same business processing logic, without distinguishing which real institution it belongs to, resulting in poor realism.

[0064] This specification, in another aspect, provides a non-transitory storage medium storing at least one set of executable instructions for performing data processing. When the executable instructions are executed by a processor, they instruct the processor to implement the steps of the simulation method 300 described herein. In some possible embodiments, various aspects of this specification can also be implemented as a program product comprising program code. When the program product is run on a simulation system 001, the program code causes the simulation system 001 to perform the steps of the simulation method 300 described herein. The program product for implementing the above method may employ a portable compact disc read-only memory (CD-ROM) containing program code and may run on the simulation system 001. However, the program product of this specification is not limited thereto. In this specification, a readable storage medium may be any tangible medium containing or storing a program that may be used by or in conjunction with an instruction execution system. The program product may employ any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media include: electrical connections having one or more wires, portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. The computer-readable storage medium may include data signals propagated in baseband or as part of a carrier wave, carrying readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A readable storage medium may also be any readable medium other than a readable storage medium that can send, propagate, or transmit programs for use by or in connection with an instruction execution system, apparatus, or device. Program code contained on a readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical fiber, RF, etc., or any suitable combination thereof. Program code for performing the operations described herein can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java and C++, and conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on simulation system 001, partially on simulation system 001, as a standalone software package, partially on simulation system 001 and partially on a remote computing device, or entirely on a remote computing device.

[0065] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0066] In summary, after reading this detailed disclosure, those skilled in the art will understand that the foregoing detailed disclosure is presented by way of example only and is not restrictive. Although not explicitly stated herein, those skilled in the art will understand that this specification requires various reasonable changes, improvements, and modifications to the embodiments. These changes, improvements, and modifications are intended to be made by this specification and are within the spirit and scope of the exemplary embodiments described herein.

[0067] Furthermore, certain terms in this specification have been used to describe embodiments of this specification. For example, "an embodiment," "an embodiment," and / or "some embodiments" mean that a particular feature, structure, or characteristic described in connection with that embodiment may be included in at least one embodiment of this specification. Therefore, it is to be emphasized and understood that two or more references to "an embodiment" or "an embodiment" or "alternative embodiment" in various parts of this specification do not necessarily refer to the same embodiment. Moreover, specific features, structures, or characteristics may be suitably combined in one or more embodiments of this specification.

[0068] It should be understood that in the foregoing description of the embodiments in this specification, various features are combined in a single embodiment, drawing, or description for the purpose of simplifying the description and aiding in the understanding of a feature. However, this does not mean that the combination of these features is necessary, and those skilled in the art may readily identify some of the devices as separate embodiments when reading this specification. That is, the embodiments in this specification can also be understood as an integration of multiple secondary embodiments. It is also valid when each secondary embodiment contains fewer than all the features of a single foregoing disclosed embodiment.

[0069] Each patent, patent application, publication of the patent application, and other materials such as articles, books, specifications, publications, documents, articles, etc., cited herein may be incorporated by reference. The entire contents used for all purposes, except for any history of prosecution documents associated with it, that may be inconsistent with or conflict with this document, or that may have a limiting effect on the widest extent of the claims, are now or hereafter associated with this document. For example, in the event of any inconsistency or conflict between the description, definition, and / or use of terms associated with any of the included materials and the terms, description, definition, and / or used in connection with this document, the terms used herein shall prevail.

[0070] Finally, it should be understood that the embodiments disclosed herein are illustrative of the principles of the embodiments described in this specification. Other modified embodiments are also within the scope of this specification. Therefore, the embodiments disclosed in this specification are merely examples and not limitations. Those skilled in the art can implement the applications described in this specification using alternative configurations based on the embodiments in this specification. Therefore, the embodiments in this specification are not limited to the embodiments precisely described in the applications.

Claims

1. A simulation system for a real mechanism, the simulation system including a third-party simulation platform, the third-party simulation platform comprising: At least one storage medium stores N simulation mechanisms, each simulation mechanism being an independent simulation mechanism of a real mechanism, where N is an integer greater than 1, and each simulation mechanism includes at least one set of instructions for simulating the business behavior of the real mechanism with the business processing logic of the corresponding real mechanism, wherein the business processing logic is constructed based on historical data obtained from the operation of the real mechanism; as well as At least one processor, communicatively connected to the at least one storage medium, executes the following during runtime: Receive business requests targeting the actual entity, and The target simulation mechanism corresponding to the target real mechanism is called and executed from the N simulation mechanisms, and the business request is processed with the personalized business processing logic unique to the target real mechanism.

2. The simulation system as described in claim 1, further comprising a third-party credit platform. The third-party credit platform executes the following during runtime: Establish a pre-release virtual link with the third-party simulation platform, wherein the pre-release virtual link corresponds to an institutional service in the pre-release stage; The service request is sent to the third-party simulation platform via the pre-issued virtual link; and The third-party simulation platform receives the service requests transmitted through the pre-issued virtual link during runtime.

3. The simulation system as described in claim 2, wherein the third-party credit platform executes the following during runtime: Receive genuine business requests from users targeting real organizations, and obtain the request messages corresponding to those genuine business requests; and The request message is copied, and the resulting copied message is sent to the third-party simulation platform as the service request message.

4. The simulation system as described in claim 1, wherein the third-party simulation platform further includes N external interfaces, each of the N external interfaces corresponding one-to-one with one of the N simulation mechanisms, and each external interface is communicatively connected to the real mechanism corresponding to the simulation mechanism; and The at least one processor, during runtime, also executes, via a target interface corresponding to the target simulation mechanism: Receive code instructions from the product layer of the target real organization, the code instructions being used to construct the business processing logic of the target real organization.

5. The simulation system as described in claim 4, further comprising a third-party credit platform, wherein the third-party credit platform executes the following during runtime: Acquire historical data packets between the target real organization and the target organization; and The historical data packets are synchronized to the third-party simulation platform so that testers of the target real organization can construct the business processing logic of the target real organization based on the historical data packets through the target interface, thereby deploying the target simulation organization.

6. The simulation system of claim 5, wherein the real institution includes at least a financial institution, and the historical data packet includes: The reconciliation documents generated by the third-party credit platform, the provision documents generated by the target financial institution, and the messages between the third-party credit platform and the target financial institution.

7. The simulation system of claim 5, wherein synchronizing the historical data packets to the third-party simulation platform comprises: The historical data packets are formatted. Perform single-number connection and data cleaning on the historical data packets after the formatting process; as well as The historical data packets, after being processed through the single-number connection and data cleaning, are synchronized to the third-party simulation platform.

8. The simulation system as described in claim 1, wherein the third-party simulation platform performs one-to-one simulation of the real institutions, and the business processing logic of the N real institutions is different.

9. The simulation system as described in claim 1, wherein the real institution includes at least a financial institution, and the business processing logic includes at least one of the following: accounting logic, account cancellation logic, and account status change logic.

10. A simulation method for a real institution, applied to a simulation system, the simulation system including a third-party simulation platform, the third-party simulation platform storing N simulation institutions, each simulation institution being an independent simulation institution of a real institution, where N is an integer greater than 1, each simulation institution including at least one set of instructions for simulating the business behavior of the real institution using the business processing logic of the corresponding real institution, the business processing logic being constructed based on historical data obtained from the operation of the real institution, the method comprising: Receive business requests targeting the actual entity; Call and execute the target simulation mechanism corresponding to the target real mechanism from the N simulation mechanisms; as well as The target simulation mechanism is controlled to process the business request using personalized business processing logic unique to the target real mechanism.

11. The method of claim 10, wherein the simulation system further comprises a third-party credit platform, wherein receiving business requests for the target real institution includes: Establish a pre-issuance virtual link between the third-party credit platform and the third-party simulation platform, wherein the pre-issuance virtual link corresponds to an institutional service in the pre-issuance stage; as well as The third-party simulation platform receives the service request sent by the third-party credit platform based on the pre-issued virtual link.

12. The method of claim 11, wherein receiving the service request sent by the third-party credit platform based on the pre-issued virtual link through the third-party simulation platform comprises: The third-party credit platform receives genuine business requests from users targeting real institutions and obtains the request messages corresponding to the genuine business requests. as well as The request message is copied through the third-party credit platform, and the copied message is sent to the third-party simulation platform as the business request message.

13. The method of claim 10, wherein the third-party simulation platform further comprises N external interfaces, each of the N external interfaces corresponding one-to-one with the N simulation mechanisms, and each external interface communicating with the real mechanism corresponding to the simulation mechanism; the method further comprises: The target interface corresponding to the target simulation mechanism receives code instructions from the product layer of the target real mechanism, which are used to construct the business processing logic of the target real mechanism.

14. The method of claim 13, wherein the simulation system further includes a third-party credit platform, and the method further includes: The historical data packets between the third-party credit platform and the target real institution are obtained through the third-party credit platform. as well as The historical data packets are synchronized to the third-party simulation platform through the third-party credit platform, so that the testers of the target real institution can build the business processing logic of the target real institution based on the historical data packets through the target interface, thereby deploying the target simulation institution.

15. The method of claim 14, wherein the real institution includes at least a financial institution, and the historical data packet includes: The reconciliation documents generated by the third-party credit platform, the provision documents generated by the target financial institution, and the communication messages between the third-party credit platform and the target financial institution.

16. The method of claim 14, wherein synchronizing the historical data packets to the third-party simulation platform via the third-party credit platform comprises: The historical data packets are formatted using the third-party credit platform. The third-party credit platform performs single-number connection and data cleaning on the formatted historical data packets. as well as The historical data packets, after being connected by the order number and cleaned, are synchronized to the third-party simulation platform through the third-party credit platform.

17. The method of claim 10, wherein the third-party simulation platform performs one-to-one simulation of the real institutions, and the business processing logic of the N real institutions is different.

18. The method of claim 10, wherein the real institution includes at least a financial institution, and the business processing logic includes at least one of the following: accounting logic, account cancellation logic, and account status change logic.

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