Bank-based distributed unified customer information management method and system

Abstract

The invention discloses a unified customer information management method and system based on bank distribution, and the information management method comprises the steps: building a gateway service, and registering a center assembly according to the gateway service; establishing a configuration center component; monitoring the operation states of the gateway service and the unified customer information management service; collecting logs; and unified customer information management service is stored. Distributed deployment is realized by combining with a cloud platform built based on Kubernetes, and dynamic resource expansion deployment can be performed in time aiming at a high concurrency condition, so that the problem of system downtime under the conditions of high concurrency of the system and dramatic increase of page view is avoided.

Description

Technical Field

[0001] The present invention relates to the field of banking and finance, and in particular, to a unified customer information management method and system based on bank distribution. Background Art

[0002] With the continuous development of banking fintech, numerous different fintech systems will emerge. Therefore, banks need to process a large amount of business information from different channels and individual customers, including but not limited to deposits, loans, investments, wealth management, etc. These operations involve the association and interaction between multiple systems, such as the docking with payment online banking, mobile banking, and third-party payment platforms. Personal customer information needs to be updated and processed in real time and synchronized to each system to ensure the efficient operation of business processes and the smoothness of the user experience. On this basis, the unified customer information management system, the main business value of which is to provide high-timeliness, complete, consistent, accurate, shared, and authoritative bank-wide personal customer information for existing systems and future newly built systems, realizes cross-business-line and cross-channel personal customer information sharing. It is a truly "customer-centric" business model that transforms the management of individual customers in a single business into the management of individual customers across the entire business domain and the entire life cycle, enhancing the core competitiveness of banks in personal customer service and management. With the continuous increase in the number of customers, the requirements for the unified customer information management system are also getting higher and higher. It not only needs to support high performance, high concurrency, and high availability, but also supports distribution.

[0003] Disadvantages of the prior art: Most of the existing customer information management systems adopt microservices, but the increase in interaction and access volume cannot be dynamically expanded in a timely manner to achieve distributed deployment. Summary of the Invention

[0004] In view of the above problems, the present invention is proposed to provide a unified customer information management method and system based on bank distribution that overcomes the above problems or at least partially solves the above problems.

[0005] According to one aspect of the present invention, there is provided a unified customer information management method based on bank distribution, and the information management method includes:

[0006] Establish a gateway service and register center components according to the gateway service;

[0007] Establish a configuration center component;

[0008] Monitor the running status of the gateway service and the unified customer information management service;

[0009] Log collection;

[0010] Store the unified customer information management service.

[0011] Optionally, the establishment of the gateway service specifically includes:

[0012] The gateway service is developed based on SpringCloudGateway;

[0013] When the external system sends an Http protocol to the gateway service, it will be converted into Json format;

[0014] Request routing. When interactions are required between services, the routing rules for routing to any microservice change;

[0015] Configure routing rules through page visualization, support multiple routing rules, call the configuration center api, save them to the nacos configuration center, and distribute them to the gateway service in real time;

[0016] The gateway task service realizes routing forwarding through a group of assertion factories and a group of Filters of gateway.

[0017] Optionally, the gateway service registration center component specifically includes:

[0018] The gateway service and the unified customer information management service instance register and cancel the addresses of the services they provide to the registration center to achieve dynamic service discovery.

[0019] Optionally, the establishment of the configuration center component specifically includes:

[0020] Call the configuration center api, save various configured policies to the nacos configuration center, and distribute them to the gateway and the unified customer information management service in real time.

[0021] Optionally, the monitoring of the running status of the gateway service and the unified customer information management service specifically includes:

[0022] After collecting and organizing, send the data to prometheus. At the same time, use grafan to display traffic, concurrency, and performance characteristics, and also send real-time alerts through alert. At the same time, it can also monitor the running status of the gateway service and the unified customer information management service, which is convenient for operation and maintenance personnel to view.

[0023] Optionally, the log collection specifically includes:

[0024] Record the time, api, and message information when the interface enters and exits in a way similar to an aspect section, collect service logs through filebet, and send them to kafka in a decoupled manner;

[0025] Store the data in elasticsearch;

[0026] Provide a visual query log page through Kibana for real-time viewing, enabling developers to resolve issues promptly.

[0027] Optionally, the storage of the unified customer information management service specifically includes:

[0028] User login authentication and customer information entry. By invoking Kafka, data synchronization with the peripheral system is completed to achieve asynchronous message push. The asynchronous push of customer information change messages will not affect the application's response time and is decoupled from the application. After the user successfully logs in with the username and password, a corresponding Token is generated and stored using the Redis cache database. The Redis is used to manage the Token's validity period.

[0029] Connect to CTM, expose task interfaces for CTM to call, and complete the execution of scheduled tasks.

[0030] Use Snowflake (snowflake algorithm) to generate transaction serial numbers and business serial numbers in the system to ensure the uniqueness of the serial numbers.

[0031] The cloud platform is deployed in Kubernetes, and dynamic resource expansion is achieved for high availability.

[0032] Optionally, the information management method further includes: containerization support. All services are in a stateless manner, and a Dockerfile is built-in, packaged into an image, and run in the container cloud environment.

[0033] The present invention also provides a unified customer information management system based on bank distribution. The customer information management system specifically includes:

[0034] A gateway service module for establishing a gateway service;

[0035] A registration center component construction module for registering the center component according to the gateway service;

[0036] A configuration center component establishment module for establishing a configuration center component;

[0037] A monitoring module for monitoring the running status of the gateway service and the unified customer information management service;

[0038] A log collection module for log collection;

[0039] A customer information management service module for storing the unified customer information management service.

[0040] A unified customer information management method and system based on bank distribution provided by the present invention, the information management method includes: establishing a gateway service and registering a center component according to the gateway service; establishing a configuration center component; monitoring the running status of the gateway service and the unified customer information management service; log collection; storing the unified customer information management service. Through the combination of a cloud platform built based on Kubernetes, distributed deployment is achieved, and timely dynamic resource expansion deployment can be carried out for high concurrency situations, avoiding system downtime problems in the case of high system concurrency and a sharp increase in the number of accesses.

[0041] The above description is only an overview of the technical solution of the present invention. In order to be able to understand the technical means of the present invention more clearly, it can be implemented according to the content of the specification. And in order to make the above and other purposes, features and advantages of the present invention more obvious and understandable, the following specifically illustrates the specific embodiments of the present invention. Brief Description of the Drawings

[0042] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0043] Figure 1 It is a flowchart of a unified customer information management method based on bank distribution provided for the embodiments of the present invention. Detailed Embodiments

[0044] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the drawings. Although the exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided so that the present disclosure can be more thoroughly understood and the scope of the present disclosure can be completely conveyed to those skilled in the art.

[0045] The terms "including" and "having" and any variations thereof in the description of the embodiments, claims and drawings of the present invention are intended to cover non-exclusive inclusion. For example, a series of steps or units are included.

[0046] The technical solutions of the present invention will be further described in detail below with reference to the drawings and embodiments.

[0047] As Figure 1 shown, a unified customer information management method based on bank distribution includes:

[0048] Establishing a gateway service and registering a center component according to the gateway service;

[0049] Establish a configuration center component;

[0050] Monitor the running status of the gateway service and the unified customer information management service;

[0051] Log collection;

[0052] The unified customer information management service performs storage.

[0053] Use springcloud + springboot to implement the overall architecture of the entire microservice, including the gateway service, registration center component, configuration center component, monitoring component, log management component, batch processing component, cache component, unified customer information management service component, etc. Among them, the unified customer information management service is developed and implemented by spring boot, and it is a lightweight, pluggable, configurable multi-functional service component, including:

[0054] Gateway service, the gateway service is developed based on SpringCloudGateway. When an external system sends an Http protocol to the gateway service, it will be converted into Json format; request routing, when services need to interact with each other, the routing rules to any microservice may also change. In this system, the routing rules are configured visually through the page, supporting multiple different routing rules, calling the configuration center api, saving them to the nacos configuration center, and distributing them to the gateway service in real time; the gateway task service realizes routing forwarding through a set of assertion factories and a set of Filters of gateway.

[0055] Registration center component, the gateway service and the unified customer information management service instance register and cancel the addresses of the services they provide to the registration center to achieve dynamic service discovery.

[0056] Configuration center component, by calling the configuration center api, save various configured policies to the nacos configuration center and distribute them to the gateway and the unified customer information management service in real time.

[0057] Monitoring component, after collecting and sorting the data through the statistics module, send it to prometheus. At the same time, use grafan to display traffic, concurrency, and performance characteristics, and also send real-time alerts through alert. At the same time, it can also monitor the running status of the gateway service and the unified customer information management service, which is convenient for operation and maintenance personnel to view.

[0058] Log collection, in a way similar to aspect-oriented programming, records the time of entry and exit of interfaces, APIs, and message information. Service logs are collected through Filebeat and sent to Kafka in a decoupled manner; the data is stored in Elasticsearch; a visualization query log page is provided through Kibana for near-real-time viewing, facilitating developers to solve problems in a timely manner.

[0059] Batch processing component, enabling the normal execution of system batch tasks through Control-M. The execution time, number of times, and corresponding backend program addresses of scheduled tasks can be configured in Control-M, ensuring the normal operation of the system and also promptly alerting tasks that encounter errors.

[0060] Cache component, by deploying a Redis database on the Kubernetes cloud platform, can store some information in the unified customer information management service, reducing the interaction between the system and the database and improving the response efficiency.

[0061] Unified customer information management service component, including a unified customer information management module, a batch module, and a sequence service module;

[0062] User login authentication and customer information entry are achieved through the unified customer information management module. Data synchronization with peripheral systems is completed by calling Kafka to achieve asynchronous message push. Asynchronous push of changed customer information messages will not affect the application's response time and is decoupled from the application. After a user successfully logs in with a username and password, a corresponding Token is generated and stored using a Redis cache database. At the same time, Redis can also be used to manage the Token's validity period;

[0063] The connection with CTM is achieved through the batch module, exposing task interfaces for CTM to call to complete the execution of scheduled tasks;

[0064] The sequence service module uses Snowflake (Snowflake algorithm) to generate transaction serial numbers and business serial numbers in the system, ensuring that the serial numbers are unique;

[0065] Through Kubernetes deployment on the cloud platform, distributed development is achieved, and the number of pods can be automatically and flexibly expanded to achieve dynamic resource expansion for high availability.

[0066] Containerization support includes: all services in this system are stateless, and a Dockerfile is built in, easily packaged into an image and run in a container cloud environment.

[0067] Beneficial effects: The system of the present invention realizes distributed deployment by combining a cloud platform built based on Kubernetes, and can perform timely dynamic resource expansion deployment for high-concurrency situations, avoiding system downtime problems in the case of high concurrency and a sharp increase in the number of accesses to the system.

[0068] The above specific implementation manners have further elaborated in detail the purpose, technical solutions, and beneficial effects of the present invention. It should be understood that the above are only specific implementation manners of the present invention, and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A unified customer information management method based on bank distribution, characterized in that, The information management method includes: Establish a gateway service and register a center component according to the gateway service; Establish a configuration center component; Monitor the running status of the gateway service and the unified customer information management service; Log collection; Store the unified customer information management service.

2. The unified customer information management method based on bank distribution according to claim 1, characterized in that The establishment of the gateway service specifically includes: The gateway service is developed based on SpringCloudGateway; When the external system sends an Http protocol to the gateway service, it will be converted into Json format; Request routing. When interactions are required between services, the routing rules for routing to any microservice change; Configure routing rules through page visualization, support multiple routing rules, call the configuration center api, save them to the nacos configuration center, and distribute them to the gateway service in real time; The gateway task service realizes routing forwarding through a group of assertion factories and a group of Filters of gateway.

3. A unified customer information management method based on bank distribution according to claim 1, characterized in that, The registration of the center component according to the gateway service specifically includes: The gateway service and the unified customer information management service instance register and cancel the addresses of the services they provide to the registration center to realize dynamic service discovery.

4. A unified customer information management method based on bank distribution according to claim 1, characterized in that The establishment of the configuration center component specifically includes: Call the configuration center api, save various configured policies to the nacos configuration center, and distribute them to the gateway and the unified customer information management service in real time.

5. A unified customer information management method based on bank distribution according to claim 1, characterized in that, The monitoring of the running status of the gateway service and the unified customer information management service specifically includes: After collection and collation, send the data to prometheus. At the same time, use grafan to display traffic, concurrency, and performance characteristics, and also issue real-time alerts through alert. At the same time, the running status of the gateway service and the unified customer information management service can also be monitored, which is convenient for operation and maintenance personnel to view.

6. A unified customer information management method based on bank distribution according to claim 1, characterized in that, The log collection specifically includes: Record the time, api, and message information when the interface enters and exits in a way similar to an aspect cut surface, collect service logs through filebet, and send them to kafka in a decoupled manner; Store the data in elasticsearch; Provide a visual query log page through kibana for real-time viewing, so that developers can solve problems in a timely manner.

7. A unified customer information management method based on bank distribution as claimed in claim 1, characterized in that The storage of the unified customer information management service specifically includes: User login authentication and customer information entry. Complete data synchronization with the peripheral system through calling Kafka to achieve asynchronous message push. The asynchronous push of changed customer information messages will not affect the response time of the application and is decoupled from the application. After the user successfully logs in with the username and password, a corresponding Token is generated and stored in the Redi cache database. Use Redis to manage the validity period of the Token; Dock with CTM, expose task interfaces for CTM to call, and complete the execution of scheduled tasks; Use Snowflake (snowflake algorithm) to generate transaction serial numbers and business serial numbers in the system to ensure that the serial numbers are not repeated; Deploy the cloud platform into kubernetes for dynamic resource expansion to achieve high availability.

8. A unified customer information management method based on bank distribution according to claim 1, characterized in that The information management method further includes: containerization support. Services are all in a stateless manner, and at the same time, a Dockerfile is built in, packaged into an image, and run in a container cloud environment.

9. A unified customer information management system based on bank distribution, characterized by applying the above-mentioned claims, The customer information management system specifically includes: A gateway service module, used to establish a gateway service; A registration center component construction module, used to register the center component according to the gateway service; A configuration center component establishment module, used to establish a configuration center component; A monitoring module, used to monitor the running status of the gateway service and the unified customer information management service; a log collection module, used to collect logs; A customer information management service module, used to store the unified customer information management service.

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