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

Abstract

The application 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.The financial service platform comprises a user interactive interface, a product access configuration module, a dynamic access engine, a data analysis module, a data backflow module, a security integration module and a database, the quick access of the financial institution products is realized through the configuration mode, the development time and cost are greatly reduced, the dynamic access engine can adapt to the product interface change of different financial institutions, the flexibility and the expandability of the system are improved, and the data backflow module realizes the efficient data backflow, provides rich data support for the financial service platform, and is convenient for data analysis and decision making.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data transmission, in particular to a financial service platform and method supporting dynamic product access and data backflow. BACKGROUND

[0002] With the development of the financial market, the product types of banks, guarantees, insurance and other financial institutions are increasingly diversified, and the demand of users for financial services is also increasingly diversified. The traditional financial service platform product access method often needs to be customized and developed for each financial institution product, which is time-consuming and costly.

[0003] How to quickly and flexibly access different financial institution products and achieve efficient data backflow is a technical problem to be solved. SUMMARY

[0004] The technical task of the present application is to provide a financial service platform and method supporting dynamic product access and data backflow to solve the technical problem of how to quickly and flexibly access different financial institution products and achieve efficient data backflow.

[0005] In a first aspect, the present application provides a financial service platform supporting dynamic product access and 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 module and a database.

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

[0007] The dynamic access engine is used to dynamically generate an access interface based on the access parameters and rules of the financial institution product. The financial service platform connects with the financial institution product 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 product. The security module is used 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 analysis module is used to analyze the encrypted financial product data accessed through the access interface to obtain analyzed financial service product data. The data format of the analyzed financial service product data is adapted to the demand of the financial service platform.

[0009] The security module is used to encrypt the analyzed financial service product data, and the encrypted analyzed financial product data and metadata related to the financial product data are backflowed to the database through the data backflow module.

[0010] The database is used for decrypting the parsed encrypted financial product data, storing the parsed decrypted financial service product data and metadata related to the financial product data, and cooperating 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 services are used to display the financial product data in the database, and support user selection of the financial product data and transaction execution;

[0012] The data access services are used to read the financial product data specified by 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 display the financial product data in the database in the form of the data list on the user interaction interface.

[0014] Preferably, the security module is used to verify the access rights of the user who submits the data access request, and for the user who passes the verification, based on the data access request, the related financial product data is obtained from the database and returned to the user;

[0015] The security module cooperates with the user access interface to support the user as an administrator to configure user rights for the user as a data requester, and the user rights include the access rights and operation rights of the user to the financial product data.

[0016] Preferably, the data parsing module is configured with a data conversion rule, and the data conversion rule is used to limit the conversion logic of data between different formats;

[0017] The data parsing module is used to extract key information from the accessed financial product data, and convert the accessed financial product data into a format suitable for the financial service platform based on the data conversion rule.

[0018] In a second aspect, a dynamic product access and data backflow method is used to realize the access and data backflow of the financial institution product through the financial service platform supporting dynamic product access and data backflow as described in any one of the first aspect, including the following steps:

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

[0020] Product dynamic access: based on the access parameters and rules of the financial institution product, the access interface is dynamically generated through the dynamic access engine, and the financial service platform is connected with the financial institution product through the access interface. Among them, the financial product data and the metadata of the financial product data are obtained from the connected financial institution product through the access interface, and the security encryption 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 the metadata of the financial product data are accessed 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, and the data format of the analyzed financial service product data is adapted to the demand of the financial service platform;

[0022] Data backflow: the analyzed financial service product data is encrypted by the security encryption module, and the encrypted analyzed financial product data and the metadata related to the financial product data are backflowed to the database through the data backflow module;

[0023] Data management: the encrypted analyzed financial product data is decrypted by the database, and the analyzed financial service product data and the metadata related to the financial product data obtained by decryption are stored, and the analyzed financial service product data is uniformly managed.

[0024] As a preferred, data display service and data access service are provided through the user interaction interface, the data display service is used for displaying the financial product data in the database, and supports user selection of financial product data and transaction execution;

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

[0026] As a preferred, 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 form of the data list in the user interaction interface.

[0027] As a preferred, the user who submits the data access request is verified by the security encryption module, and for the user who passes the verification, the related financial product data is obtained from the database based on the data access request and returned to the user;

[0028] Among them, the security encryption module cooperates with the user access interface, supports the user as an administrator to configure user permissions for the user as a data requester, and the user permissions include the access permission and operation permission of the user to the financial product data.

[0029] As preferred, the data conversion rule is configured in the data analysis module, and the data conversion rule is used to define the conversion logic of data between different formats.

[0030] The key information of the accessed financial product data is extracted by the data analysis module, and the accessed financial product data is converted into a format suitable for the financial service platform based on the data conversion rule.

[0031] The financial service platform and method supporting dynamic product access and data backflow have the following advantages:

[0032] 1. The financial institution product is quickly accessed through the configuration mode, which greatly reduces the development time and cost;

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

[0034] 3. The data backflow module realizes efficient data backflow, providing rich data support for the financial service platform, and facilitating data analysis and decision-making. BRIEF DESCRIPTION OF DRAWINGS

[0035] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings needed to be used in the embodiments or prior art description. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0036] The present application will be further described below in conjunction with the drawings.

[0037] Figure 1 The flowchart of the embodiment 2, a dynamic product access and data backflow method. DETAILED DESCRIPTION

[0038] The present application will be further described below in conjunction with the drawings and specific embodiments, so that those skilled in the art can better understand the present application and can be implemented. However, the embodiments are not limited to the present application, and the technical features in the embodiments and the embodiments can be combined with each other without conflict.

[0039] The present application provides a financial service platform and method supporting dynamic product access and data backflow, which is used to solve the technical problem of how to quickly and flexibly access different financial institution products and realize efficient data backflow.

[0040] Embodiment 1:

[0041] The application discloses a financial service platform supporting dynamic product access and data backflow, which comprises a user interaction interface, a product access configuration module, a dynamic access engine, a data analysis module, a data backflow module, a security module and a database.

[0042] The product access configuration module cooperates with the user interaction interface to define access parameters and rules of the financial institution product.

[0043] In the embodiment, the access parameters and rules of the financial institution product comprise a financial institution product type, an interface protocol, a data format and the like.

[0044] The dynamic access engine is used for dynamically generating an access interface based on the access parameters and rules of the financial institution product, and the financial service platform is connected with the financial institution product through the access interface, wherein the access interface is used for obtaining financial product data and metadata of the financial product data from the connected financial institution product, and the security module is used for encrypting the financial product data accessed to the financial service platform through the access interface, and the encrypted financial product data and the metadata of the financial product data are accessed to the financial service platform.

[0045] The data analysis module is used for analyzing the encrypted financial product data accessed through the access interface to obtain analyzed financial service product data, wherein a data format of the analyzed financial service product data is adapted to the requirement of the financial service platform.

[0046] As a specific implementation of the data analysis module, the module is configured with a data conversion rule, and the data conversion rule is used for limiting the conversion logic of data between different formats; the module is used for extracting key information of the accessed financial product data, and performing format conversion on the accessed financial product data based on the data conversion rule to convert the accessed financial product data into a format adapted to the financial service platform.

[0047] The security module is used for encrypting the analyzed financial service product data, and the encrypted analyzed financial product data and the metadata related to the financial product data are backflowed to the database through the data backflow module.

[0048] The database is used for decrypting the encrypted analyzed financial product data, storing the analyzed financial service product data and the metadata related to the financial product data obtained through decryption, and cooperating with the user interaction interface to uniformly manage the analyzed 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 services are used to display financial product data in the database and support user selection of financial product data and transaction execution. 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 display the financial product data in the database in the form of the data list on the user interaction interface.

[0050] The data access services are used to read the financial product data specified by 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 services, the security module is used to verify the access rights of the user who submits 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 returned to the user. The security module cooperates with the user access interface to support the user as an administrator to configure user rights for the user as a data requester. The user rights include the access rights and operation rights of the user to the financial product data.

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

[0053] Embodiment 2

[0054] The present application discloses a dynamic product access and data backflow method, which realizes the access and data backflow of financial institution products through the platform disclosed in embodiment 1, including five steps of product access configuration, product dynamic access, data analysis, data backflow and data management.

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

[0056] In this embodiment, the access parameters and rules of the financial institution products include financial institution product types, interface protocols, data formats, etc.

[0057] Product dynamic access: based on the access parameters and rules of the financial institution product, the access interface is dynamically generated through the dynamic access engine, and the financial service platform is connected with the financial institution product through the access interface. Among them, the financial product data and the metadata of the financial product data are obtained from the connected financial institution product through the access interface, and the security encryption 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 the metadata of the financial product data are accessed to the financial service platform.

[0058] Data analysis: the encrypted financial product data accessed through the access interface is analyzed through the data analysis module to obtain analyzed financial service product data. The data format of the analyzed financial service product data is adapted to the needs 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 define the conversion logic of data between different formats. The module is used to extract key information from the accessed financial product data, and to convert the accessed financial product data into a format suitable for the financial service platform based on the data conversion rules.

[0060] Data backflow: the analyzed financial service product data is encrypted through the security encryption module, and the encrypted analyzed financial product data and the metadata related to the financial product data are backflowed to the database through the data backflow module.

[0061] Data management: the encrypted analyzed financial product data is decrypted through the database, and the analyzed financial service product data and the metadata related to the financial product data obtained by decryption are stored, and the analyzed financial service product data is uniformly managed.

[0062] In this embodiment, the user interaction interface provides data display service and data access service. The data display service is used to display the financial product data in the database, and supports user selection of financial product data and transaction execution. Among them, 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 the data list on the user interaction interface.

[0063] The data access service is used to read the financial product data specified by 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 access permission of a user submitting a data access request is verified by a security integration module, for a user passing the verification, relevant financial product data is obtained from a database based on the data access request and the financial product data is returned to the user; wherein the security integration module cooperates with a user access interface, and supports a user as an administrator to configure user permissions for a user as a data requester, the user permissions including access permissions and operation permissions of the user to the financial product data.

[0065] The method of the embodiment can realize quick access and data backflow of products of various banks, guarantees and insurance institutions through configuration.

[0066] The application has been described and illustrated in detail above by means of the drawings and preferred embodiments, but the application is not limited to these disclosed embodiments, and based on the above-described embodiments, those skilled in the art can know that more embodiments of the application can be obtained by combining the means in the above-described different embodiments, and these embodiments are also within the protection scope of the application.

Claims

1. A financial service platform that supports dynamic product access and data reflow, characterized by: 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 connects with the financial institution's 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's products. The security and compliance module cooperates to encrypt the financial product data accessed to 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. 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 compliance 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 interface is used to provide data display services and data access services. The data display service is used to display financial product data in the database and support 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, the module obtains relevant financial product data from the database based on the data access request and returns the financial product data to the user. Among them, the security compliance module works with the user access interface to support users as administrators to configure user permissions for users 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 convert the format of the accessed financial product data into a format compatible with the financial service platform based on data conversion rules.

6. A dynamic product access and data backflow method, characterized in that: A method for implementing access to financial institution products and data reflow through a financial service platform supporting dynamic product access and data reflow as claimed in any one of claims 1 to 5, comprising the following steps: Product access configuration: Define the access parameters and rules for financial institution products through the product access configuration module; 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 access interface obtains financial product data and metadata from the connected financial institution products. The security and 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 metadata are connected to the financial service platform. Data parsing: The encrypted financial product data accessed through the access interface is parsed by the data parsing module to obtain parsed financial service product data, the data format of which is adapted to the requirements of the financial service platform; Data reflow: The security and compliance module encrypts the parsed financial service product data, and the encrypted parsed financial product data and metadata related to the financial product data are returned to the database through the data reflow 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 dynamic product access and data backflow method according to claim 6, characterized in that: Providing data display services and data access services through a user interaction interface. The data display service is used to display financial product data in the database and support 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 dynamic product access and data backflow method according to claim 6, characterized in that: The security and compliance module verifies the access rights of users who submit data access requests. For users who pass the verification, the module retrieves relevant financial product data from the database based on the data access request and returns the financial product data to the user. Among them, the security and compliance module works with the user access interface to support users as administrators to configure user permissions for users as data requesters. User permissions include users' access rights and operation permissions to financial product data.

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

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