Financial service platform and method supporting dynamic product access and data backflow

Abstract

The invention discloses a financial service platform and method supporting dynamic product access and data backflow, belongs to the technical field of data transmission, and aims to solve the technical problem of how to quickly and flexibly access different financial institution products and realize efficient data backflow. Comprising a user interaction interface, a product access configuration module, a dynamic access engine, a data analysis module, a data backflow module, a security convergence module and a database, rapid access of financial institution products is achieved in a configuration mode, and the development time and cost are greatly reduced; the dynamic access engine can adapt to product interface changes of different financial institutions, and the flexibility and expandability of the system are improved; the data backflow module realizes efficient backflow of data, provides rich data support for a financial service platform, and facilitates data analysis and decision making.

Description

Technical Field

[0001] The present invention relates to the field of data transmission technology, and in particular to a financial service platform and method supporting dynamic product access and data reflow. Background Art

[0002] With the development of the financial market, the product categories of financial institutions such as banks, guarantees, and insurance are becoming increasingly diverse, and users' demands for financial services are becoming increasingly diversified. The traditional product access method of financial service platforms often requires customized development for the products of each financial institution, which is time-consuming and costly.

[0003] How to quickly and flexibly access products from different financial institutions and achieve efficient data return is a technical problem that needs to be solved. Summary of the invention

[0004] The technical task of the present invention is to address the above deficiencies and provide a financial service platform and method that supports dynamic product access and data reflux, so as to solve the technical problem of how to quickly and flexibly access products of different financial institutions and achieve efficient data reflux.

[0005] In a first aspect, the present invention provides a financial service platform supporting dynamic product access and data reflow, including a user interaction interface, a product access configuration module, a dynamic access engine, a data parsing module, a data reflow module, a security compliance module, and a database;

[0006] The product access configuration module cooperates with the user interface to define the access parameters and rules of financial institution products;

[0007] The dynamic access engine is used to dynamically generate an access interface based on the access parameters and rules of the financial institution's products. The financial service platform is connected to the financial institution's products through the access interface, wherein the access interface is used to obtain financial product data and metadata of the financial product data from the connected financial institution's products. The security compliance module cooperates to encrypt the financial product data accessed to the financial service platform through the access interface, and access the encrypted financial product data and metadata of the financial product data to the financial service platform;

[0008] The data parsing module is used to parse the encrypted financial product data accessed through the access interface to obtain parsed financial service product data, wherein the data format of the parsed financial service product data is adapted to the requirements of the financial service platform;

[0009] The security qualification module is used to encrypt the parsed financial service product data, and return the encrypted parsed financial product data and metadata related to the financial product data to the database through the data return module;

[0010] The database is used to decrypt the encrypted parsed financial product data, store the decrypted parsed financial service product data and metadata related to the financial product data, and cooperate with the user interaction interface to uniformly manage the parsed financial service product data.

[0011] Preferably, the user interaction interface is used to provide data display services and data access services. The data display service is used to display the financial product data in the database and supports users to select financial product data and perform transactions.

[0012] The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

[0013] Preferably, the user interaction interface cooperates with the database to construct a data list based on the metadata of the financial product data stored in the database, and presents the financial product data in the database in the form of a data list on the user interaction interface.

[0014] Preferably, the security compliance module is used to verify the access rights of the user who submitted the data access request, and for the user who passed the verification, obtain the relevant financial product data from the database based on the data access request and return the financial product data to the user;

[0015] Among them, the security compliance module cooperates with the user access interface to support users who act as administrators to configure user permissions for users who act as data requesters. User permissions include users' access rights and operation permissions to financial product data.

[0016] Preferably, the data analysis module is configured with data conversion rules, which are used to define the conversion logic between data in different formats;

[0017] The data analysis module is used to extract key information from the accessed financial product data, and to convert the format of the accessed financial product data into a format adapted to the financial service platform based on data conversion rules.

[0018] In a second aspect, the present invention provides a dynamic product access and data reflow method, which is used to implement the access and data reflow of financial institution products through a financial service platform supporting dynamic product access and data reflow as described in any one of the first aspects, comprising the following steps:

[0019] Product access configuration: define the access parameters and rules of financial institution products through the product access configuration module;

[0020] Dynamic product access: Based on the access parameters and rules of financial institution products, the access interface is dynamically generated through the dynamic access engine. The financial service platform connects with the financial institution products through the access interface. The financial product data and the metadata of the financial product data are obtained from the connected financial institution products through the access interface, and the security compliance module is called to encrypt the financial product data connected to the financial service platform through the access interface, and the encrypted financial product data and the metadata of the financial product data are connected to the financial service platform;

[0021] Data analysis: The encrypted financial product data accessed through the access interface is analyzed by the data analysis module to obtain analyzed financial service product data, wherein the data format of the analyzed financial service product data is adapted to the requirements of the financial service platform;

[0022] Data reflux: Encrypt the parsed financial service product data through the security compliance module, and return the encrypted parsed financial product data and metadata related to the financial product data to the database through the data reflux module;

[0023] Data management: decrypt the encrypted parsed financial product data through the database, store the decrypted parsed financial service product data and metadata related to the financial product data, and uniformly manage the parsed financial service product data.

[0024] Preferably, a data display service and a data access service are provided through a user interaction interface. The data display service is used to display the financial product data in the database and supports users to select financial product data and perform transactions.

[0025] The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

[0026] Preferably, the user interaction interface cooperates with the database, and for the financial product data stored in the database, a data list is constructed based on the metadata of the financial product data, and the financial product data in the database is displayed in the user interaction interface in the form of a data list.

[0027] Preferably, the security compliance module verifies the access rights of the user who submitted the data access request. For the user who passes the verification, the relevant financial product data is obtained from the database based on the data access request and the financial product data is returned to the user.

[0028] Among them, the security compliance module cooperates with the user access interface to support users who act as administrators to configure user permissions for users who act as data requesters. User permissions include users' access rights and operation permissions to financial product data.

[0029] Preferably, the data analysis module is configured with data conversion rules, which are used to define the conversion logic between data in different formats;

[0030] The data analysis module is used to extract key information from the accessed financial product data, and based on the data conversion rules, the format of the accessed financial product data is converted into a format that is compatible with the financial service platform.

[0031] The financial service platform and method supporting dynamic product access and data reflow of the present invention have the following advantages:

[0032] 1. Rapid access to financial institutions’ products is achieved through configuration, greatly reducing development time and costs;

[0033] 2. The dynamic access engine can adapt to changes in product interfaces of different financial institutions, improving the flexibility and scalability of the system;

[0034] 3. The data reflux module realizes efficient data reflux, provides rich data support for the financial service platform, and facilitates data analysis and decision-making. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0036] The present invention is further described below in conjunction with the accompanying drawings.

[0037] Figure 1 This is a flowchart of a dynamic product access and data reflow method in Example 2. DETAILED DESCRIPTION

[0038] The present invention is further described below in conjunction with the accompanying drawings and specific embodiments so that those skilled in the art can better understand the present invention and implement it. However, the embodiments are not intended to limit the present invention. In the absence of conflict, the embodiments of the present invention and the technical features in the embodiments may be combined with each other.

[0039] The embodiments of the present invention provide a financial service platform and method that support dynamic product access and data reflow, and are used to solve the technical problem of how to quickly and flexibly access products of different financial institutions and achieve efficient data reflow.

[0040] Embodiment 1:

[0041] The present invention provides a financial service platform supporting dynamic product access and data reflow, comprising a user interaction interface, a product access configuration module, a dynamic access engine, a data analysis module, a data reflow module, a security compliance module and a database.

[0042] The product access configuration module works in conjunction with the user interface to define the access parameters and rules for financial institution products.

[0043] In this embodiment, the access parameters and rules of the financial institution product include the financial institution product type, interface protocol, data format, etc.

[0044] The dynamic access engine is used to dynamically generate access interfaces based on the access parameters and rules of financial institution products. The financial service platform is connected to the financial institution products through the access interface. The access interface is used to obtain financial product data and metadata of the financial product data from the connected financial institution products. The security and compliance module is used to encrypt the financial product data that accesses the financial service platform through the access interface, and connect the encrypted financial product data and metadata of the financial product data to the financial service platform.

[0045] The data parsing module is used to parse the encrypted financial product data accessed through the access interface to obtain parsed financial service product data, wherein the data format of the parsed financial service product data is adapted to the requirements of the financial service platform.

[0046] As a specific implementation of the data analysis module, the module is configured with data conversion rules, which are used to limit the conversion logic of data between different formats; the module is used to extract key information from the accessed financial product data, and convert the format of the accessed financial product data based on the data conversion rules into a format adapted to the financial service platform.

[0047] The security qualification module is used to encrypt the parsed financial service product data, and return the encrypted parsed financial product data and metadata related to the financial product data to the database through the data return module.

[0048] The database is used to decrypt the encrypted parsed financial product data, store the decrypted parsed financial service product data and metadata related to the financial product data, and coordinate with the user interaction interface to uniformly manage the parsed financial service product data.

[0049] In this embodiment, the user interaction interface is used to provide data display services and data access services. The data display service is used to display the financial product data in the database and supports users to select financial product data and perform transactions. The user interaction interface cooperates with the database to construct a data list based on the metadata of the financial product data for the financial product data stored in the database, and displays the financial product data in the database in the form of a data list on the user interaction interface.

[0050] The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

[0051] As a specific implementation of the data access service, the security and compliance module is used to verify the access rights of users who submit data access requests. For users who pass the verification, the relevant financial product data is obtained from the database based on the data access request and the financial product data is returned to the user; wherein, the security and compliance module cooperates with the user access interface to support users who act as administrators to configure user rights for users who act as data requesters. User rights include user access rights and operation rights to financial product data.

[0052] The system of this embodiment realizes efficient integration and flexible management of financial institutions' products, while ensuring the real-time and accuracy of data. Through this technology, the financial service platform can provide users with a one-stop financial service experience, while providing financial institutions with strong data support and market insights, promoting the innovation of financial products and the optimization of service models.

[0053] Embodiment 2:

[0054] The present invention provides a dynamic product access and data reflow method, which realizes the access and data reflow of financial institution products through the platform disclosed in Example 1, including five steps: product access configuration, dynamic product access, data analysis, data reflow and data management.

[0055] Product access configuration: Define the access parameters and rules for financial institution products through the product access configuration module.

[0056] In this embodiment, the access parameters and rules of the financial institution product include the financial institution product type, interface protocol, data format, etc.

[0057] Dynamic product access: Based on the access parameters and rules of financial institution products, an access interface is dynamically generated through a dynamic access engine. The financial service platform connects with financial institution products through the access interface. The financial product data and metadata of the financial product data are obtained from the connected financial institution products through the access interface, and the security compliance module is called to encrypt the financial product data accessed to the financial service platform through the access interface. The encrypted financial product data and metadata of the financial product data are connected to the financial service platform.

[0058] Data analysis: The encrypted financial product data accessed through the access interface is analyzed by the data analysis module to obtain analyzed financial service product data, wherein the data format of the analyzed financial service product data is adapted to the requirements of the financial service platform.

[0059] As a specific implementation of data analysis, the data analysis module is configured with data conversion rules, which are used to limit the conversion logic of data between different formats; this module is used to extract key information from the connected financial product data, and convert the format of the connected financial product data based on the data conversion rules into a format compatible with the financial service platform.

[0060] Data reflux: The parsed financial service product data is encrypted through the security compliance module, and the encrypted parsed financial product data and metadata related to the financial product data are refluxed to the database through the data reflux module.

[0061] Data management: decrypt the encrypted parsed financial product data through the database, store the decrypted parsed financial service product data and metadata related to the financial product data, and uniformly manage the parsed financial service product data.

[0062] In this embodiment, the user interaction interface provides data display services and data access services. The data display service is used to display the financial product data in the database and supports users to select financial product data and perform transactions. Among them, the user interaction interface cooperates with the database, and for the financial product data stored in the database, it is used to build a data list based on the metadata of the financial product data, and the financial product data in the database is displayed in the form of a data list on the user interaction interface.

[0063] The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

[0064] As a specific implementation of the data access service, the security and compliance module verifies the access rights of users who submit data access requests. For users who pass the verification, the relevant financial product data is obtained from the database based on the data access request and the financial product data is returned to the user. Among them, the security and compliance module cooperates with the user access interface to support users who are administrators to configure user rights for users who are data requesters. User rights include user access rights and operation rights to financial product data.

[0065] The method of this embodiment can realize rapid access and data return of products of various banks, guarantees, and insurance institutions through configuration.

[0066] The present invention has been shown and described in detail above through the accompanying drawings and preferred embodiments. However, the present invention is not limited to these disclosed embodiments. Based on the above multiple embodiments, those skilled in the art can know that the means in the above different embodiments can be combined to obtain more embodiments of the present invention, and these embodiments are also within the protection scope of the present invention.

Claims

1. A financial service platform that supports dynamic product access and data reflow, characterized in that: It includes user interaction interface, product access configuration module, dynamic access engine, data analysis module, data return module, security compliance module and database; The product access configuration module cooperates with the user interface to define the access parameters and rules of financial institution products; The dynamic access engine is used to dynamically generate an access interface based on the access parameters and rules of the financial institution's products. The financial service platform is connected to the financial institution's products through the access interface, wherein the access interface is used to obtain financial product data and metadata of the financial product data from the connected financial institution's products. The security compliance module cooperates to encrypt the financial product data accessed to the financial service platform through the access interface, and access the encrypted financial product data and metadata of the financial product data to the financial service platform; The data parsing module is used to parse the encrypted financial product data accessed through the access interface to obtain parsed financial service product data, wherein the data format of the parsed financial service product data is adapted to the requirements of the financial service platform; The security qualification module is used to encrypt the parsed financial service product data, and return the encrypted parsed financial product data and metadata related to the financial product data to the database through the data return module; The database is used to decrypt the encrypted parsed financial product data, store the decrypted parsed financial service product data and metadata related to the financial product data, and cooperate with the user interaction interface to uniformly manage the parsed financial service product data.

2. The financial service platform supporting dynamic product access and data reflow according to claim 1, characterized in that: The user interaction interface is used to provide data display services and data access services. The data display service is used to display the financial product data in the database and supports users to select financial product data and execute transactions; The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

3. The financial service platform supporting dynamic product access and data reflow according to claim 2, characterized in that: The user interaction interface cooperates with the database to construct a data list based on the metadata of the financial product data stored in the database, and displays the financial product data in the database in the form of a data list on the user interaction interface.

4. The financial service platform supporting dynamic product access and data reflow according to claim 1, characterized in that: The security compliance module is used to verify the access rights of users who submit data access requests. For users who pass the verification, relevant financial product data is obtained from the database based on the data access request and the financial product data is returned to the user; Among them, the security compliance module cooperates with the user access interface to support users who act as administrators to configure user permissions for users who act as data requesters. User permissions include users' access rights and operation permissions to financial product data.

5. The financial service platform supporting dynamic product access and data reflow according to claim 1, characterized in that: The data analysis module is configured with data conversion rules, which are used to define the conversion logic between data in different formats; The data analysis module is used to extract key information from the accessed financial product data, and to convert the format of the accessed financial product data into a format adapted to the financial service platform based on data conversion rules.

6. A dynamic product access and data reflow method, characterized in that: The method is used to realize the access and data return of financial institution products through a financial service platform supporting dynamic product access and data return as claimed in any one of claims 1 to 5, comprising the following steps: Product access configuration: define the access parameters and rules of financial institution products through the product access configuration module; Dynamic product access: Based on the access parameters and rules of financial institution products, the access interface is dynamically generated through the dynamic access engine. The financial service platform connects with the financial institution products through the access interface. The financial product data and the metadata of the financial product data are obtained from the connected financial institution products through the access interface, and the security compliance module is called to encrypt the financial product data connected to the financial service platform through the access interface, and the encrypted financial product data and the metadata of the financial product data are connected to the financial service platform; Data analysis: The encrypted financial product data accessed through the access interface is analyzed by the data analysis module to obtain analyzed financial service product data, wherein the data format of the analyzed financial service product data is adapted to the requirements of the financial service platform; Data reflux: Encrypt the parsed financial service product data through the security compliance module, and return the encrypted parsed financial product data and metadata related to the financial product data to the database through the data reflux module; Data management: decrypt the encrypted parsed financial product data through the database, store the decrypted parsed financial service product data and metadata related to the financial product data, and uniformly manage the parsed financial service product data.

7. The method for dynamic product access and data reflow according to claim 6, characterized in that: Providing data display services and data access services through the user interaction interface. The data display service is used to display the financial product data in the database and supports users to select financial product data and execute transactions; The data access service is used to read the financial product data specified in the data access request from the database based on the data access request submitted by the user and return the financial product data to the user.

8. The method for dynamic product access and data reflow according to claim 7, characterized in that: The user interaction interface cooperates with the database. For the financial product data stored in the database, a data list is constructed based on the metadata of the financial product data, and the financial product data in the database is displayed in the form of a data list on the user interaction interface.

9. The method for dynamic product access and data reflow according to claim 6, characterized in that: The security compliance module verifies the access rights of users who submit data access requests. For users who pass the verification, relevant financial product data is obtained from the database based on the data access request and the financial product data is returned to the user. Among them, the security compliance module cooperates with the user access interface to support users who act as administrators to configure user permissions for users who act as data requesters. User permissions include users' access rights and operation permissions to financial product data.

10. The method for dynamic product access and data reflow according to claim 6, characterized in that: The data analysis module is configured with data conversion rules, which are used to define the conversion logic between data in different formats; The data analysis module is used to extract key information from the accessed financial product data, and based on the data conversion rules, the format of the accessed financial product data is converted into a format that is compatible with the financial service platform.

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