Financial product access process control method and system based on asynchronous message mechanism

Abstract

The invention provides a financial product admission process control method and system based on an asynchronous message mechanism, and the method comprises the following steps: obtaining an admission application of a financial product, initializing the admission application, including initializing an admission state of the admission application, and obtaining initialized admission data; decoupling the obtained admission data based on an asynchronous message mechanism, and analyzing the admission data into admission data of a next stage; and obtaining the admission data of the corresponding stage, executing the staged process control action according to the admission state of the admission data, and updating the admission state of the admission data until the staged processing fails or the admission signing is passed. According to the method, the product admission process is decoupled through an asynchronous message mechanism, so that the admission speed can be greatly improved, a high-concurrency scene is effectively processed, unnecessary waiting is reduced, and the admission efficiency of financial products is effectively improved.

Description

Technical Field

[0001] This application relates to the technical field of financial supervision, and specifically relates to a method and system for controlling the access process of financial products based on an asynchronous message mechanism. Background Art

[0002] In the bank product access process, multiple steps usually need to be completed in sequence, such as access parameter verification (verification of enterprise basic information), access authentication (online verification), automatic approval (verification of personal elements, ID card OCR recognition, etc.), access signing, etc. Each step has specific conditions and requirements, and there is a certain logical relationship between the steps. Traditional product access process control methods often have problems such as non-configurable processes, high coupling, and difficulty in quickly processing high concurrency, which affect the product access experience of customers and the operation efficiency of banks. This situation is not allowed currently.

[0003] Technical solutions for a financial product access process control system and method based on an asynchronous message mechanism. Existing solutions, due to non-configurable processes, high code coupling, and serial execution, cannot timely process high-concurrency product access processes, resulting in low product access efficiency, poor customer experience, uncontrollable processes, and low operation efficiency. Therefore, a financial product access process control system and method based on an asynchronous message mechanism are urgently needed. Summary of the Invention

[0004] This application provides a method and system for controlling the access process of financial products based on an asynchronous message mechanism, which can solve the technical problems in the prior art that in the bank product access process based on an asynchronous message mechanism, due to non-configurable processes, high code coupling, and serial execution, high-concurrency product access processes cannot be processed in a timely manner, resulting in low product access efficiency, poor customer experience, uncontrollable processes, and low operation efficiency.

[0005] In a first aspect, this application provides a method for controlling the access process of financial products based on an asynchronous message mechanism, including the following steps:

[0006] Obtain an access application for a financial product, and initialize the access application, including initializing the access status of the access application and obtaining the initialized access data;

[0007] Decouple the obtained access data based on the asynchronous message mechanism and parse it into access data for the next stage;

[0008] Obtain the access data for the corresponding stage, execute stage-based process control actions according to the access status of the access data, and update the access status of the access data until the stage-based processing fails or the access signing is passed.

[0009] In combination with the first aspect, in one implementation, obtaining the access application for a financial product and initializing the access application includes initializing the access status of the access application and obtaining the initialized access data, which specifically includes the following steps:

[0010] Obtain the access application for a financial product;

[0011] Perform an initialization action on the obtained access application to generate initialized access data and initialize the access status to the access creation status.

[0012] In combination with the first aspect, in one implementation, decoupling the obtained access data based on the asynchronous message mechanism and parsing it into the access data for the next stage specifically includes the following steps:

[0013] Send the access data to the asynchronous message queue for the corresponding topic;

[0014] Obtain the access data for the corresponding process stage sent by the topic and decode it into the access data for the next process stage.

[0015] In combination with the first aspect, in one implementation, obtaining the access data for the corresponding stage, performing stage-based process control actions according to the access status of the access data, and updating the access status of the access data until the stage-based processing fails or the access signature is passed, specifically includes the following steps:

[0016] Obtain the access data in the access creation status, perform parameter verification actions, and obtain the parameter verification result;

[0017] If the parameter verification fails, update the access status of the access data after parameter verification to the parameter verification failed status;

[0018] If the parameter verification passes, update the access status of the access data after parameter verification to the parameter verification passed status.

[0019] In combination with the first aspect, in one implementation, after updating the access status of the access data after parameter verification to the parameter verification passed status if the parameter verification passes, the following steps are further included:

[0020] Obtain the access data in the parameter verification passed status, perform access authentication actions, and obtain the access authentication result;

[0021] If the access authentication fails, update the access status of the access data after access authentication to access application failed and notify the customer of the access result;

[0022] If the access authentication passes, update the access status of the access data after access authentication to access authentication passed.

[0023] In combination with the first aspect, in one implementation, after the admission status of the admission data after the admission authentication is updated to "admission authentication passed" if the admission authentication passes, the following steps are further included:

[0024] Obtain the admission data with the admission authentication passed status, perform an automatic approval action, and obtain the automatic approval result;

[0025] If the automatic approval fails, update the admission status of the admission data after the automatic approval to "admission application failed";

[0026] If the automatic approval passes, update the admission status of the admission data after the automatic approval to "automatic approval passed".

[0027] In combination with the first aspect, in one implementation, after the admission status of the admission data after the automatic approval is updated to "automatic approval passed" if the automatic approval passes, the following steps are further included:

[0028] Obtain the admission data with the automatic approval passed status, perform an admission signing action, and obtain the admission signing result;

[0029] If the admission signing fails, update the admission status of the admission data after the admission signing to "admission application failed";

[0030] If the admission signing passes, update the admission status of the admission data after the admission signing to "admission signing successful".

[0031] In combination with the first aspect, in one implementation, after the admission status of the admission data after the admission signing is updated to "admission signing successful" if the admission signing passes, the following steps are further included:

[0032] Obtain the admission data with the admission signing successful, perform an admission success action, and update the admission status of the admission data after the admission success to "admission application successful".

[0033] In the second aspect, the present application provides a financial product admission process control system based on an asynchronous message mechanism, including:

[0034] An initialization admission data acquisition module, configured to obtain an admission application for a financial product, initialize the admission application, including initializing the admission status of the admission application, and obtain the initialized admission data;

[0035] An admission data decoupling module, communicatively connected to the initialization admission data acquisition module, configured to decouple the obtained admission data based on an asynchronous message mechanism and parse it into the admission data for the next stage;

[0036] The access data process control module is communicatively connected to the access data decoupling module, and is used to obtain the access data at the corresponding stage, perform stage-based process control operations according to the access status of the access data, and update the access status of the access data until the stage-based processing fails or the access signature is passed.

[0037] Combined with the second aspect, in one implementation, the access data decoupling module includes:

[0038] The asynchronous message decoupling unit is used to send the access data to the asynchronous message queue of the corresponding topic;

[0039] The access data parsing unit is communicatively connected to the asynchronous message decoupling unit, and is used to obtain the access data of the corresponding process stage sent by the topic and decode it into the access data of the next process stage.

[0040] The beneficial effects brought by the technical solution provided by the embodiments of the present application at least include:

[0041] By decoupling the product access process through the asynchronous message mechanism, the access speed can be greatly improved, high-concurrency scenarios can be effectively processed, unnecessary waiting can be reduced, and the access efficiency can be greatly improved. Description of the Drawings

[0042] Figure 1 It is a schematic flowchart of the financial product access process control method based on the asynchronous message mechanism provided by the embodiments of the present application;

[0043] Figure 2 It is a functional module block diagram of the financial product access process control system based on the asynchronous message mechanism provided by the embodiments of the present application. Detailed Embodiments

[0044] In order to enable those skilled in the art to better understand the solution of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0045] In the description of the specification, claims and the above-mentioned drawings of this application, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally further include steps or units not listed, or may optionally further include other steps or units inherent to these processes, methods, products or devices. Descriptions such as "first", "second" and "third" are used to distinguish different objects, etc., and do not represent a sequence, nor do they limit that "first", "second" and "third" are different types.

[0046] In the description of the embodiments of this application, words such as "exemplary", "for example" or "for instance" are used to indicate examples, illustrations or explanations. Any embodiment or design solution described as "exemplary", "for example" or "for instance" in the embodiments of this application should not be construed as being more preferred or having more advantages than other embodiments or design solutions. Rather, the use of words such as "exemplary", "for example" or "for instance" is intended to present relevant concepts in a specific manner.

[0047] In the description of the embodiments of this application, unless otherwise specified, " / " means "or". For example, A / B may mean A or B; "and / or" in the text is merely a description of the association relationship of associated objects, indicating that there can be three relationships. For example, A and / or B can mean: A exists alone, A and B exist simultaneously, and B exists alone. In addition, in the description of the embodiments of this application, "a plurality of" means two or more than two.

[0048] In some processes described in the embodiments of this application, a plurality of operations or steps appear in a specific order. However, it should be understood that these operations or steps may not be executed in the order in which they appear in the embodiments of this application or may be executed in parallel. The serial numbers of the operations are only used to distinguish different operations, and the serial numbers themselves do not represent any execution order. In addition, these processes may include more or fewer operations, and these operations or steps may be executed in sequence or in parallel, and these operations or steps may be combined.

[0049] To make the objectives, technical solutions and advantages of this application clearer, the following will further describe the embodiments of this application in detail with reference to the drawings.

[0050] In a first aspect, as Figure 1 shown, the embodiments of this application provide a financial product access process control method based on an asynchronous message mechanism, specifically including the following steps:

[0051] Step S1: Obtain an access application for a financial product, and initialize the access application, including initializing the access status of the access application and obtaining the initialized access data;

[0052] Step S2: Decouple the obtained admission data based on the asynchronous message mechanism and parse it into the admission data for the next stage;

[0053] Step S3: Obtain the admission data for the corresponding stage, execute the stage process control actions according to the admission status of the admission data, and update the admission status of the admission data until the stage processing fails or the admission signature is passed.

[0054] This application decouples the product admission process through the asynchronous message mechanism, which can greatly improve the admission speed, effectively handle high-concurrency scenarios, reduce unnecessary waiting, and greatly improve the admission efficiency.

[0055] In one embodiment, the said Step S1: Obtain the admission application of the financial product, initialize the admission application, including initializing the admission status of the admission application, and obtain the initialized admission data, which specifically includes the following steps:

[0056] Step S11: Obtain the admission application of the financial product submitted by the enterprise customer through the online channel. Specifically, it includes information such as the basic information of the enterprise, contact information, historical transaction data, and image files;

[0057] Step S12: The status converter receives the admission application submitted by the customer, executes the admission data initialization action, generates the initialized admission data, initializes the admission status to the admission creation status, and stores the admission data in the table.

[0058] In one embodiment, the said Step S2: Decouple the obtained admission data based on the asynchronous message mechanism and parse it into the admission data for the next stage, which specifically includes the following steps:

[0059] Step S21: The system sends the initialized admission data to the asynchronous message queue (JMS) of the corresponding topic (entrance_topic) to decouple the front-end request and the back-end processing, achieve non-blocking operation, and improve the concurrent processing ability;

[0060] Step S22: The message queue listener listens to and obtains the admission data of the corresponding process stage sent by the topic, and decodes the obtained admission data of the corresponding process stage into the admission data of the next process stage.

[0061] The pre-configured system rules are as follows:

[0062] A. Definition of the admission status set, the status includes: admission creation, parameter verification, admission authentication, automatic approval, admission signature, and the failure or success of the admission application;

[0063] B. Definition of the admission action set, the actions include: parameter verification, admission authentication, automatic approval, admission signature;

[0064] C. Build state transition rules (state converters): Define the transition rules between states according to the business logic. The transition rules include: current state, trigger event, execution action, next state, etc.

[0065] D. Build configurable rules: Define service solution rules according to the business logic. The rules include: parameter verification rules, access authentication rules, automatic approval rules, access signature rules, etc.

[0066] Based on the above pre-configured system rules, perform access process control for the access data of financial products in the following stages.

[0067] In one embodiment, in step S3: Obtain the access data for the corresponding stage, execute the stage process control action according to the access state of the access data, and update the access state of the access data until the stage processing fails or the access signature is passed. Specifically, it includes the following steps:

[0068] Step S31: Obtain the access data in the access creation state. The state converter triggers the parameter verification event according to the access creation state, loads the parameter verification rules, executes the parameter verification action, and obtains the parameter verification result.

[0069] Step S32: If the parameter verification fails, update the access state of the access data after parameter verification to the parameter verification failed state, and notify the customer of the parameter verification failed result.

[0070] Step S33: If the parameter verification passes, update the access state of the access data after parameter verification to the parameter verification passed state, and execute step S2.

[0071] In one embodiment, after step S33: If the parameter verification passes and the access state of the access data after parameter verification is updated to the parameter verification passed state, the following steps are further included:

[0072] Step S41: Obtain the access data in the parameter verification passed state. The state converter triggers the access authentication event according to the access state being the access authentication passed state, loads the access authentication rules, executes the access authentication action, and obtains the access authentication result.

[0073] Step S42: If the access authentication fails, update the access state of the access data after access authentication to the access application failed, and notify the customer of the access application failed result.

[0074] Step S43: If the access authentication passes, update the access state of the access data after access authentication to the access authentication passed, and execute step S2.

[0075] In one embodiment, after the step S43: if the access authentication is passed and the access status of the access data after the access authentication is updated to be access authentication passed, the following steps are further included:

[0076] Step S51: Obtain the access data with the access authentication passed status. The status converter triggers an automatic approval event according to the access status being the automatic approval passed status, loads the automatic approval rules, executes the automatic approval actions, and obtains the automatic approval result;

[0077] Step S52: If the automatic approval fails, update the access status of the access data after the automatic approval to be access application failed, and notify the customer of the application failure result;

[0078] Step S53: If the automatic approval passes, update the access status of the access data after the automatic approval to be automatic approval passed, and execute step S2.

[0079] In one embodiment, after the step S53: if the automatic approval passes and the access status of the access data after the automatic approval is updated to be automatic approval passed, the following steps are further included:

[0080] Step S61: Obtain the access data with the automatic approval passed status, execute the access signing action, and obtain the access signing result;

[0081] Step S62: If the access signing fails, update the access status of the access data after the access signing to be access application failed, and notify the customer of the application failure result;

[0082] Step S63: If the access signing passes, update the access status of the access data after the access signing to be access signing successful, and execute step S2.

[0083] In one embodiment, after the step S63: if the access signing passes and the access status of the access data after the access signing is updated to be access signing successful, the following steps are further included:

[0084] Step S71: Obtain the access data with the access signing successful, execute the access success action, update the access status of the access data with the access success to be access application successful, and notify the customer of the access result.

[0085] This application executes through initializing the access creation status, performing parameter verification on the access data of the financial product, access authentication, automatic approval, access signing to the final confirmation of the access application success. The design based on the state transition rules is carried out in each stage, making the logic of the financial product access process clearer, easier to understand and maintain.

[0086] The design of the configurable rules for the initialization process of financial product access applications, parameter verification of access data for financial products, access authentication, automatic approval, access signing, and finally successful confirmation of access applications enables the free control of the product access process, increases the flexibility of the process, and allows banks to conveniently adjust and optimize the rules of the product access process to adapt to different business requirements and policy changes.

[0087] In a second aspect, as Figure 2 shown, the present application provides a financial product access process control system based on an asynchronous message mechanism, including an initialization access data acquisition module 100, an access data decoupling module 200, and an access data process control module 300. The initialization access data acquisition module 100 is used to obtain access applications for financial products and initialize the access applications, including initializing the access status of the access applications and obtaining initialized access data; the access data decoupling module 200 is communicatively connected to the initialization access data acquisition module 100 and is used to decouple the obtained access data based on the asynchronous message mechanism and parse it into access data for the next stage; the access data process control module 300 is communicatively connected to the access data decoupling module 200 and is used to obtain access data for the corresponding stage, perform stage-based process control operations according to the access status of the access data, and update the access status of the access data until the stage-based processing fails or the access signing is passed.

[0088] In one embodiment, the access data decoupling module includes:

[0089] An asynchronous message decoupling unit for sending access data to an asynchronous message queue for the corresponding topic;

[0090] An access data parsing unit communicatively connected to the asynchronous message decoupling unit for obtaining access data for the corresponding process stage sent by the topic and decoding it into access data for the next process stage.

[0091] Among them, the functional implementation of each module in the above financial product access process control system based on the asynchronous message mechanism corresponds to each step in the embodiment of the above financial product access process control method based on the asynchronous message mechanism, and its functions and implementation processes will not be elaborated here one by one.

[0092] In a third aspect, an embodiment of the present application provides a financial product access process control device based on an asynchronous message mechanism. The financial product access process control device based on the asynchronous message mechanism can be a device with data processing functions such as a personal computer (PC), a laptop computer, a server, etc.

[0093] The communication interface includes interfaces such as input / output (I / O) interfaces, physical interfaces, and logical interfaces, which are used to implement the interconnection of components inside the financial product access process control device based on the asynchronous message mechanism, as well as interfaces for implementing the interconnection between the financial product access process control device based on the asynchronous message mechanism and other devices (such as other computing devices or user devices). The physical interface can be an Ethernet interface, a fiber optic interface, an ATM interface, etc.; the user device can be a display, a keyboard, etc.

[0094] The memory can be various types of storage media, such as random access memory (RAM), read-only memory (ROM), non-volatile RAM (NVRAM), flash memory, optical memory, hard disk, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), etc.

[0095] The processor can be a general-purpose processor, which can call the financial product access process control program stored in the memory based on the asynchronous message mechanism and execute the financial product access process control method provided in the embodiments of the present application. For example, the general-purpose processor can be a central processing unit (CPU). Among them, the method executed when the financial product access process control program based on the asynchronous message mechanism is called can refer to the various embodiments of the financial product access process control method based on the asynchronous message mechanism in the present application, which will not be elaborated here.

[0096] Fourthly, the embodiments of the present application further provide a readable storage medium.

[0097] The readable storage medium of the present application stores a financial product access process control program based on the asynchronous message mechanism. When the financial product access process control program based on the asynchronous message mechanism is executed by a processor, it realizes the steps of the financial product access process control method as described above.

[0098] Among them, the method realized when the financial product access process control program based on the asynchronous message mechanism is executed can refer to the various embodiments of the financial product access process control method based on the asynchronous message mechanism in the present application, which will not be elaborated here.

[0099] It should be noted that the serial numbers of the embodiments of the present application above are only for description and do not represent the superiority or inferiority of the embodiments.

[0100] Through the description of the above embodiments, those skilled in the art can clearly understand that the above embodiment methods can be implemented by means of software plus a necessary general hardware platform. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, in essence, or the part that makes a contribution to the prior art, can be embodied in the form of a software product. The computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) as described above and includes several instructions to enable a terminal device to execute the methods described in various embodiments of the present application.

[0101] The above are only the preferred embodiments of the present application, and do not limit the patent scope of the present application accordingly. Any equivalent structure or equivalent process transformation made by using the content of the specification and drawings of the present application, or directly or indirectly applied in other related technical fields, shall be equally included in the patent protection scope of the present application.

Claims

1. A method for controlling the access process of financial products based on an asynchronous message mechanism, characterized in that: The following steps are involved: Obtain access applications for financial products, initialize access applications, including initializing the access status of access applications, and obtain initialization access data; Decouple the access data obtained based on the asynchronous message mechanism and parse it into the access data of the following stages; Get the access data of the corresponding stage, execute the staged process control action according to the access status of the access data, and update the access status of the access data until the staged processing fails or the access signature is passed.

2. The method for controlling financial product access flow based on asynchronous message mechanism according to claim 1, characterized in that: The obtaining of the access application for the financial product and initializing the access application, including initializing the access status of the access application and obtaining the initialized access data, specifically includes the following steps: Obtain access applications for financial products; Perform initialization actions on the obtained admission application, generate initialized admission data, and initialize the admission state to the admission creation state.

3. The method for controlling financial product access flow based on asynchronous message mechanism according to claim 1, characterized in that: The access data obtained by decoupling based on the asynchronous message mechanism and parsing it into the access data of the following stages specifically includes the following steps: Send admission data to the asynchronous message queue of the corresponding topic; Get the admission data of the corresponding process stage sent by the topic, and decode it into the admission data of the next process stage.

4. The method for controlling financial product access flow based on asynchronous message mechanism according to claim 1, characterized in that: The access data of the corresponding stage is obtained, and according to the access status of the access data, the staged process control action is executed, and the access status of the access data is updated until the staged processing fails or the access signature is passed, which specifically includes the following steps: Get the access data of the access creation status, perform parameter verification actions, and get the parameter verification results; If the parameter verification fails, the access status of the access data after the parameter verification is updated to the parameter verification failed status; If the parameter verification passes, the access status of the access data after the parameter verification is updated to the parameter verification passed status.

5. The method for controlling financial product access flow based on asynchronous message mechanism as claimed in claim 4, characterized in that: If the parameter verification is passed, then the access status of the access data after the parameter verification is updated to the parameter verification passed status, and the following steps are also included: Obtain access data with parameter verification passed, perform access authentication actions, and obtain access authentication results; If the access authentication fails, the access status of the access data after the access authentication is updated to access application failure, and the access result is notified to the customer; If the access authentication is passed, the access status of the access data after the access authentication is updated to access authentication passed.

6. The method for controlling financial product access flow based on asynchronous message mechanism according to claim 5, characterized in that: If the access authentication is passed, updating the access status of the access data after the access authentication to be after the access authentication is passed, further comprising the following steps: Obtain access data of access authentication pass status, execute automatic approval action, and obtain automatic approval result; If the automatic approval fails, the access status of the access data after automatic approval will be updated to access application failure; If the automatic approval is passed, the access status of the access data after the automatic approval is updated to automatic approval passed.

7. The method for controlling financial product access flow based on asynchronous message mechanism according to claim 6, characterized in that: If the automatic approval is passed, the access status of the access data after the automatic approval is updated to be automatically approved, and the following steps are also included: Obtain access data with automatic approval status, execute access signing action, and obtain access signing result; If the access signature fails, the access status of the access data after the access signature is updated to access application failure; If the access signature is passed, the access status of the access data after the access signature is updated to access signature successful.

8. The method for controlling financial product access flow based on asynchronous message mechanism as claimed in claim 7, characterized in that: If the access signature is passed, updating the access status of the access data after the access signature is updated to access signature success, and then further comprising the following steps: Get the access data of successful access signature, execute the access success action, and update the access status of the access data after successful access to successful access application.

9. A financial product access process control system based on asynchronous message mechanism, characterized in that: include: An initialization access data acquisition module is used to obtain an access application for a financial product, initialize the access application, including the access status of the initialization access application, and obtain the initialization access data; An access data decoupling module is connected to the initialization access data acquisition module for decoupling the acquired access data based on an asynchronous message mechanism and parsing the access data into the access data of the next stage; The access data flow control module is communicated with the access data decoupling module, and is used to obtain the access data of the corresponding stage, perform phased flow control operations according to the access status of the access data, and update the access status of the access data until the phased processing fails or the access signature is passed.

10. The financial product access process control system based on asynchronous message mechanism as claimed in claim 9, characterized in that: The access data decoupling module includes: Asynchronous message decoupling unit, used to send admission data to the asynchronous message queue of the corresponding topic; The access data parsing unit is connected to the asynchronous message decoupling unit for obtaining the access data of the corresponding process stage sent by the subject and decoding it into the access data of the next process stage.

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