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Multi-channel asset docking platform and working method thereof

A docking platform and working method technology, applied in the field of financial risk control, can solve problems such as reducing the workload of repeated docking

Inactive Publication Date: 2020-10-20
睿智合创(北京)科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Aiming at the deficiencies of the prior art, the present invention discloses a multi-channel asset docking platform and its working method. The present invention and its partners can be connected through protocol adaptation, interface adaptation, message conversion, data adaptation, and security adaptation. , message push and combination services to achieve unified access to various partner systems to achieve efficient management of channels, and at the same time through single-channel management of internal online loan systems or consumer finance systems, using standardized processes and interfaces to achieve business The consistency of data reduces the workload of repeated docking, so as to achieve the needs of rapid launch, stable operation and rapid business expansion

Method used

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  • Multi-channel asset docking platform and working method thereof
  • Multi-channel asset docking platform and working method thereof
  • Multi-channel asset docking platform and working method thereof

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0037] This embodiment discloses as figure 1 A multi-channel asset docking platform is shown, the platform uses protocol adapters, interface adapters, security adapters, message adapters, data adapters, combined service adapters and data acquisition listeners to complete communication conversion and reporting with each partner system document conversion, and form a unified internal standard interface to interact with the online loan system / finance system. The standard interface includes data upload interface, real-time transaction interface, data query interface and batch interface.

[0038] The data uploading interface is used for real-time data uploading, which is initiated by the partner or the system in the bank; the credit application, cash withdrawal application and repayment application interface initiated by the partner are initiated by the partner, and the in-bank system initiates to the partner The class interface for result notification.

[0039] The real-time tran...

Embodiment 2

[0044] This embodiment discloses a working method of a multi-channel asset docking platform. The method automatically adapts various communication protocols, encryption methods, and message formats through the docking platform, and through message conversion, interface transaction mapping, and data variable mapping, through The pre-verification rules carry out pre-screening from the aspects of interface parameters and business pre-risk control rules, and classify, schedule and combine services for platform interfaces. Through the data distribution mechanism, the online loan system caused by the flexible and changeable third-party data is shielded. / The data storage pressure of the consumer gold system.

[0045] This embodiment introduces a pre-verification mechanism, sets pre-verification rules, and performs pre-screening from the aspects of interface parameters and business pre-risk control rules to reduce invalid request transactions caused by security mechanisms and paramete...

Embodiment 3

[0049] In this embodiment, when the platform interface classifies scheduling and combining services, the public interface is a synchronous interface, such as image 3 The following steps are shown:

[0050] (1) Protocol adaptation. After receiving the system call request from the partner, the protocol adaptation is performed first. This platform provides a variety of communication methods, including: MQ, TCP / IP, HTTP, TUXEDO and other mainstream communication protocols. Considering the processing efficiency of the platform, it is recommended that the online loan system / finance system interact with this platform using the MQ communication method.

[0051] (2) Message conversion. After the protocol adaptation is completed, the message needs to be decrypted and standardized, converted into the standard message structure of the platform. The platform supports multiple message conversions, such as XML, String, 8583, etc. The XML standard message format is adopted inside the pla...

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Abstract

The invention relates to the technical field of financial risk control, and particularly relates to a multi-channel asset docking platform and a working method thereof. The platform adopts a protocoladapter, an interface adapter, a security adapter, a message adapter, a data adapter, a combined service adapter and a data acquisition monitor to complete communication conversion and message conversion with each partner system, and a unified internal standard interface is formed to interact with an online loan system / consumer finance system. According to the invention, flexible and changeable contents during multi-channel butt joint are automatically adapted and converted in the platform in a component mode, and a large amount of code development is not needed, so that the labor cost is reduced, and the rapid online service can be supported. Meanwhile, the online loan system / consumer finance system does not need to directly interact with a partner system on the Internet, so that the information security risk is controlled and the software and hardware resource cost and the operation and maintenance cost are reduced while the stability of the service processing system is maintained.

Description

technical field [0001] The invention relates to the technical field of financial risk control, in particular to a multi-channel asset docking platform and a working method thereof. Background technique [0002] With the rapid development of Internet credit business, small and medium-sized banks have chosen to cooperate with third-party financial technology companies that have accumulated rich experience in Internet customer acquisition and big data risk control, and use them to provide asset customer acquisition services. In terms of system connection, each bank mainly connects with the third party through the online loan system or consumer finance system within the bank. Due to the great differences in the interfaces of different cooperative companies, every time a bank connects to a cooperative company, it needs to invest a lot of manpower and material resources in system transformation and interface docking; , will have an impact on the original technical architecture of...

Claims

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Application Information

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IPC IPC(8): H04L29/06G06Q40/02G06Q20/40
CPCH04L69/18G06Q20/401G06Q20/4014G06Q40/03
Inventor 王玉海曾杰张志宏洪朝阳
Owner 睿智合创(北京)科技有限公司
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