IPACS is a distributed financial core suite based on ant financial bPaaS. It is a mature product framework suitable for the migration of Internet core and traditional core projects to distributed cloud platform. It encapsulates the underlying logic architecture of distributed transaction control, and uses the open-source sofa middleware distributed framework and deep integration of distributed database ocea Nbase, users only need to cloud migrate the application system based on this architecture, and do not need to understand the complex distributed infrastructure.
Product framework:
The distributed financial core suite precipitates the common component modules in the financial field, so as to realize the banking business innovation quickly based on the distributed financial core suite.
The distributed financial core suite is service-oriented according to the domain model
Asset platform
The asset platform covers a variety of core businesses such as deposits, loans, financial management, equity and so on. It provides unified asset processing services to the business product layer upward, encapsulates atomic capabilities such as accounting, clearing, accounting, etc., and initiates distributed transactions through asset exchange to ensure the transaction consistency of various assets in the exchange process. The business system does not need to perceive complex processing logic.
Customer platform
Implement the concept of "customer-oriented", provide basic services such as unified definition of customers, unified management of customer information, unified identity identification, unified authentication and authorization, customer view and other basic services: it has a 360 degree customer view information model to provide basic support for accurate customer insight.
Product platform
The product model is formed by abstracting the product elements and process control, providing the flexible definition and configuration and assembly capabilities of various products, and providing the product information to the application of business product layer and core layer. At the same time, it has the ability to customize contracts according to different users, and provides a global unified contract view.
Product features:
Agile product innovation
Fully practice the concept of "large medium platform". By summarizing and abstracting the atomic capabilities of the business midrange according to the functions of the business domain, and integrating them into the capability components in line with the business language, the production process of the product is upgraded and transformed from the product design, system architecture and R & D process to the whole link. According to the business demands, it can quickly assemble the business capabilities that meet the requirements, reduce the trial and error costs, and provide personalized services.
Multi dimensional pricing system
Based on the rich pricing models, an efficient, flexible and unified pricing platform is established to support the pricing requirements of fees, interest rates, exchange rates and tax rates with different rules in various businesses. In addition, it can formulate corresponding pricing plans according to the types of customers, products, services, channels, balance, transaction amount, number of transactions and other elements, so as to provide differentiated pricing services.
Separation of transaction accounting
It provides accounting and bookkeeping engine, decouples the control of transaction process from accounting, and forms accounting information of multi legal person, multi institution and multi account set through flexible accounting rules, which meets the requirements of accounting standards and information disclosure.
Smart asset core
In complex financial consumption scenarios, different payment instruments (credit cards, debit cards, etc.) and marketing tools (red packets, vouchers, points, etc.) can be quickly assembled and generated, and can be seamlessly connected with the cash register system to meet the diversified needs of the market and promote business development.
Unified asset exchange
For the upper business system, it shields the business and technical complexity of the underlying asset tools' processing logic, and provides the asset tools with a little access to multiple scenarios. It supports business operations to control the availability, visibility, sorting, quota and other dimensions of asset tools in different scenarios. And through the user's habit of data feedback to the asset exchange processing process, to achieve the experience effect of 1000 people dry noodles.
Hot account immunization
Built in hot account solutions such as summary bookkeeping and buffer bookkeeping. Through the analysis of the system operation, it can automatically find hot accounts, make intelligent decisions, select the most suitable hot account solution in the current scenario, and quickly resolve the hot account, so that the system has good immunity to the sudden hot account problems in various scenarios.
Financial set constructability
Deep integration of oceanbase distributed database and sofa financial level native distributed framework ensures the elastic expansion of application and data, as well as high availability and consistency. Through ant financial's own business precipitation of the "fund verification system". "Full link pressure testing" and other technical risk components can ensure the effective control of capital security and technical risk under the distributed architecture.
Reduce overall costs
Help customers quickly build "Internet financial platform", "O20 consumption platform" and other solutions, reduce the time cost. Open x86 architecture, flexible flexible scheduling, unified information standards, and supporting distributed governance tools help customers accurately and efficiently manage operation and maintenance, and reduce total cost of ownership.
