Dynamic product access and data backflow method of financial service platform

Abstract

The invention discloses a dynamic product access and data backflow method of a financial service platform, and relates to the technical field of data management. Comprising the steps of 1, establishing a dynamic product access and data backflow system, 2, defining access parameters and rules of financial institution products through a product access configuration module, 3, dynamically generating an access interface through a dynamic access engine module according to the definition of the product access configuration module, the method comprises the following steps of: 1, accessing a financial institution product to realize butt joint with the financial institution product, 4, analyzing the accessed product data through a data analysis module, extracting key information, and converting the key information into a data format in the platform, and 5, returning the analyzed data to a database of the financial service platform through a data backflow module to realize unified management and analysis of the data. 6, providing a front-end interface through a user interaction module, displaying accessed financial product information for a user to perform product selection and transaction, and 7, performing encryption and access control on data in a product access and data backflow process through a security and compliance module to ensure data security and compliance.

Description

Technical Field

[0001] This invention discloses a method for dynamic product access and data feedback for a financial service platform, which relates to the field of data management technology. Background Technology

[0002] With the development of the financial market, the product range of financial institutions such as banks, guarantee companies, and insurance companies is becoming increasingly diverse, and users' demands for financial services are also becoming more diversified. Existing financial service platform product integration methods often require customized development for each financial institution's products, which is time-consuming and costly. This approach cannot quickly and flexibly integrate products from different financial institutions, nor can it achieve efficient data feedback, thus hindering the competitiveness of the financial service platform. Summary of the Invention

[0003] This invention addresses the problems of existing technologies by providing a dynamic product access and data feedback method for financial service platforms. This method enables efficient integration and flexible management of financial institution products while ensuring data real-time performance and accuracy. Through this invention, users gain a one-stop financial service experience, while financial institutions receive robust data support and market insights, promoting innovation in financial products and optimization of service models.

[0004] The specific solution proposed in this invention is as follows:

[0005] This invention provides a method for dynamic product access and data feedback for a financial services platform, comprising:

[0006] Step 1: Establish a dynamic product access and data feedback system. This system includes a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module.

[0007] Step 2: Define the access parameters and rules for financial institution products through the product access configuration module. Access parameters include product type, interface protocol, and data format.

[0008] Step 3: The dynamic access engine module dynamically generates access interfaces based on the definitions in the product access configuration module, enabling integration with financial institution products.

[0009] Step 4: The data parsing module parses the incoming product data, extracts key information, and converts it into the platform's internal data format.

[0010] Step 5: The parsed data is fed back to the financial services platform's database via the data feedback module, enabling unified data management and analysis.

[0011] Step 6: Provide a front-end interface through the user interaction module to display information on the integrated financial products, allowing users to select and trade products.

[0012] Step 7: Encrypt and control access to data during product access and data return processes through the security and compliance module to ensure data security and compliance.

[0013] Furthermore, in step 2 of the aforementioned method for dynamic product access and data feedback of a financial service platform, access rules for financial institution products are defined through a product access configuration module. These rules include: data verification rules, frequency and rate limiting rules, and error handling rules. The data verification rules include mandatory field checks, data range verification, and timestamp synchronization. The frequency and rate limiting rules include write rate limiting rules, query rate limiting rules, and retry mechanism rules. The error handling rules include 4xx errors, 5xx errors, and custom error codes.

[0014] Furthermore, in step 3 of the aforementioned method for dynamic product access and data feedback of a financial service platform, the access parameters are parsed through the dynamic access engine module, business logic is defined using access rules based on the parsed data, an API structure is generated using an interface template, and the API structure is tested and verified.

[0015] Furthermore, in step 4 of the aforementioned method for dynamic product access and data feedback of a financial service platform, the accessed product data is parsed through a data parsing module, including:

[0016] Product data preprocessing includes format standardization, unified encoding, removal of invalid characters, and data fragmentation.

[0017] Perform JSON or XML parsing on structured data in product data, extract regular expressions from unstructured data, or perform PDF parsing.

[0018] This invention also provides a dynamic product access and data feedback system for a financial services platform, including a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module.

[0019] The product access configuration module defines the access parameters and rules for financial institution products. Access parameters include product type, interface protocol, and data format.

[0020] The dynamic access engine module dynamically generates access interfaces based on the definitions in the product access configuration module, enabling integration with financial institution products.

[0021] The data parsing module analyzes the incoming product data, extracts key information, and converts it into the platform's internal data format.

[0022] The data feedback module feeds the parsed data back to the financial services platform's database, enabling unified data management and analysis.

[0023] The user interaction module provides a front-end interface that displays information about the integrated financial products, allowing users to select and trade products.

[0024] The security and compliance module encrypts and controls access to data during product access and data feedback processes to ensure data security and compliance.

[0025] Furthermore, the product access configuration module of the dynamic product access and data feedback system of the financial service platform defines the access rules for financial institution products, including: data verification rules, frequency and rate limiting rules, and error handling rules. The data verification rules include mandatory field checks, data range verification, and timestamp synchronization. The frequency and rate limiting rules include write rate limiting rules, query rate limiting rules, and retry mechanism rules. The error handling rules include 4xx errors, 5xx errors, and custom error codes.

[0026] Furthermore, the dynamic access engine module of the dynamic product access and data feedback system of the financial service platform parses the access parameters, defines business logic using access rules based on the parsed data, generates an API structure using an interface template, and tests and verifies the API structure.

[0027] Furthermore, the data parsing module of the dynamic product access and data feedback system of the aforementioned financial service platform parses the accessed product data, including:

[0028] Product data preprocessing includes format standardization, unified encoding, removal of invalid characters, and data fragmentation.

[0029] Perform JSON or XML parsing on structured data in product data, extract regular expressions from unstructured data, or perform PDF parsing.

[0030] The advantages of this invention are:

[0031] This invention enables rapid integration of financial institution products through a configurable approach, significantly reducing development time and costs. The dynamic integration engine adapts to changes in product interfaces across different financial institutions, enhancing system flexibility and scalability. The data feedback module achieves efficient data feedback, providing rich data support for the financial service platform and facilitating data analysis and decision-making. Attached Figure Description

[0032] Figure 1 This is a schematic diagram of the method flow of the present invention. Detailed Implementation

[0033] The present invention will be further described below with reference to the accompanying drawings and specific embodiments, so that those skilled in the art can better understand and implement the present invention. However, the embodiments described are not intended to limit the present invention.

[0034] Example 1

[0035] This invention provides a method for dynamic product access and data feedback for a financial services platform, comprising:

[0036] Step 1: Establish a dynamic product access and data feedback system. This system includes a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module.

[0037] Step 2: Define the access parameters and rules for financial institution products through the product access configuration module. Access parameters include product type, interface protocol, and data format. The access rules defined through the product access configuration module can include: data validation rules, frequency and rate limiting rules, and error handling rules. Data validation rules include: mandatory field checks (e.g., device_id and timestamp are mandatory; missing fields return a 400 Bad Request); data range verification (temperature values ​​must be within the range of -40℃ to 120℃; values ​​exceeding this range are marked as abnormal); and timestamp synchronization (the device time must deviate from the server time by no more than ±5 minutes; otherwise, a time calibration process is triggered).

[0038] Frequency and rate limiting rules include write rate limiting: a single device can submit a maximum of 10,000 data entries per hour, and temporary capacity expansion must be applied for in advance for sudden traffic surges; query rate limiting: a single IP can query no more than 50 times per second to avoid API abuse; retry mechanism: exponential backoff retries are used for 5xx errors (initial interval of 1 second, maximum retries of 3 times).

[0039] Error handling rules include 4xx errors: such as missing parameters (400) and insufficient permissions (403), which require logging and manual intervention; 5xx errors: when the platform fails, it returns 503 Service Unavailable and triggers the circuit breaker mechanism to suspend data writing; custom error codes: for example, DATA_DUPLICATE indicates duplicate data, and SCHEMA_MISMATCH indicates field type mismatch.

[0040] Step 3: The dynamic access engine module dynamically generates access interfaces based on the product access configuration module's definition, enabling integration with financial institution products. This involves parsing access parameters, defining business logic using access rules based on the parsed data, generating an API structure using interface templates, and then testing and verifying the API structure.

[0041] Step 4: The data parsing module parses the accessed product data, extracts key information, and converts it into the platform's internal data format. This parsing process includes:

[0042] Product data preprocessing includes format standardization, unified encoding, removal of invalid characters, and data fragmentation.

[0043] Perform JSON or XML parsing on structured data in product data, extract regular expressions from unstructured data, or perform PDF parsing.

[0044] Step 5: The parsed data is fed back to the financial services platform's database via the data feedback module, enabling unified data management and analysis.

[0045] Step 6: Provide a front-end interface through the user interaction module to display information on the integrated financial products, allowing users to select and trade products.

[0046] Step 7: Encrypt and control access to data during product access and data return processes through the security and compliance module to ensure data security and compliance.

[0047] Example 2

[0048] This invention also provides a dynamic product access and data feedback system for a financial services platform, including a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module.

[0049] The product access configuration module defines the access parameters and rules for financial institution products. Access parameters include product type, interface protocol, and data format.

[0050] The dynamic access engine module dynamically generates access interfaces based on the definitions in the product access configuration module, enabling integration with financial institution products.

[0051] The data parsing module analyzes the incoming product data, extracts key information, and converts it into the platform's internal data format.

[0052] Data feedback module: Feeds the parsed data back to the financial services platform's database, enabling unified data management and analysis.

[0053] The user interaction module provides a front-end interface that displays information about the integrated financial products, allowing users to select and trade products.

[0054] Security and Compliance Module: Encrypts and controls access to data during product access and data feedback processes to ensure data security and compliance.

[0055] The information interaction and execution process between the modules in the above system are based on the same concept as the method embodiment of the present invention, and the specific details can be found in the description in the method embodiment of the present invention, and will not be repeated here.

[0056] Similarly, this invention's system enables rapid integration of financial institution products through a configurable approach, significantly reducing development time and costs. The dynamic integration engine adapts to changes in product interfaces across different financial institutions, enhancing system flexibility and scalability. The data feedback module achieves efficient data feedback, providing rich data support for the financial service platform and facilitating data analysis and decision-making.

[0057] It should be noted that not all steps and modules in the above processes and system structures are mandatory; some steps or modules can be omitted as needed. The execution order of the steps is not fixed and can be adjusted as required. The system structures described in the above embodiments can be physical or logical structures. That is, some modules may be implemented by the same physical entity, or some modules may be implemented by multiple physical entities, or they may be implemented by certain components in multiple independent devices.

[0058] The above-described embodiments are merely preferred embodiments provided to fully illustrate the present invention, and the scope of protection of the present invention is not limited thereto. Equivalent substitutions or modifications made by those skilled in the art based on the present invention are all within the scope of protection of the present invention. The scope of protection of the present invention is defined by the claims.

Claims

1. A method for dynamic product access and data feedback in a financial services platform, characterized by: include: Step 1: Establish a dynamic product access and data feedback system. This system includes a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module. Step 2: Define the access parameters and rules for financial institution products through the product access configuration module. Access parameters include product type, interface protocol, and data format. Step 3: The dynamic access engine module dynamically generates access interfaces based on the definitions in the product access configuration module, enabling integration with financial institution products. Step 4: The data parsing module parses the incoming product data, extracts key information, and converts it into the platform's internal data format. Step 5: The parsed data is fed back to the financial services platform's database via the data feedback module, enabling unified data management and analysis. Step 6: Provide a front-end interface through the user interaction module to display information on the integrated financial products, allowing users to select and trade products. Step 7: Encrypt and control access to data during product access and data return processes through the security and compliance module to ensure data security and compliance.

2. The method for dynamic product access and data feedback of a financial service platform according to claim 1, characterized in that: Step 2 defines the access rules for financial institution products through the product access configuration module, including: data verification rules, frequency and rate limiting rules, and error handling rules. The data verification rules include mandatory field checks, data range verification, and timestamp synchronization. The frequency and rate limiting rules include write rate limiting rules, query rate limiting rules, and retry mechanism rules. The error handling rules include 4xx errors, 5xx errors, and custom error codes.

3. The method for dynamic product access and data feedback of a financial service platform according to claim 1, characterized in that: In step 3, the access parameters are parsed through the dynamic access engine module, the business logic is defined using access rules based on the parsed data, the API structure is generated using the interface template, and the API structure is tested and verified.

4. The method for dynamic product access and data feedback of a financial service platform according to claim 1, characterized in that: Step 4 involves parsing the accessed product data using the data parsing module, including: Product data preprocessing includes format standardization, unified encoding, removal of invalid characters, and data fragmentation. Perform JSON or XML parsing on structured data in product data, extract regular expressions from unstructured data, or perform PDF parsing.

5. A dynamic product access and data feedback system for a financial service platform, characterized by: It includes a product access configuration module, a dynamic access engine module, a data parsing module, a data feedback module, a user interaction module, and a security and compliance module. The product access configuration module defines the access parameters and rules for financial institution products. Access parameters include product type, interface protocol, and data format. The dynamic access engine module dynamically generates access interfaces based on the definitions in the product access configuration module, enabling integration with financial institution products. The data parsing module analyzes the incoming product data, extracts key information, and converts it into the platform's internal data format. The data feedback module feeds the parsed data back to the financial services platform's database, enabling unified data management and analysis. The user interaction module provides a front-end interface that displays information about the integrated financial products, allowing users to select and trade products. The security and compliance module encrypts and controls access to data during product access and data feedback processes to ensure data security and compliance.

6. The dynamic product access and data feedback system for a financial service platform according to claim 5, characterized in that: The product access configuration module defines the access rules for financial institution products, including: data verification rules, frequency and rate limiting rules, and error handling rules. The data verification rules include mandatory field checks, data range verification, and timestamp synchronization. The frequency and rate limiting rules include write rate limiting rules, query rate limiting rules, and retry mechanism rules. The error handling rules include 4xx errors, 5xx errors, and custom error codes.

7. The method for dynamic product access and data feedback of a financial service platform according to claim 5, characterized in that: The dynamic access engine module parses access parameters, defines business logic using access rules based on the parsed data, generates API structures using interface templates, and tests and verifies the API structures.

8. The method for dynamic product access and data feedback of a financial service platform according to claim 5, characterized in that: The data parsing module parses the incoming product data, including: Product data preprocessing includes format standardization, unified encoding, removal of invalid characters, and data fragmentation. Perform JSON or XML parsing on structured data in product data, extract regular expressions from unstructured data, or perform PDF parsing.

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