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Introduction:

At present, the financial IT system is mostly constructed by business departments or channels. The advantage of this model is that the system is professional, but it also brings decentralized labor pains to the operation and IT management departments. So how to achieve unified control, rapid response, change on demand, and timely delivery under the situation of strong supervision and unified risk control? It is under this background that the mid-Taiwan architecture came into being. This paper mainly shares the practical cases of trading in Taiwan based on BIIP in a city commercial bank, and discusses the background, technical scheme and functional architecture in the digital transformation of enterprises.

Table of contents:

1. Pain points of shaft construction mode.

2. Functional architecture of the transaction center.

3. Technical solution of transaction between China and Taiwan

4. the development direction in the later period of the transaction.

I. pain points of shaft construction mode

Status quo: shaft construction, matrix architecture

Banking IT construction is the clearest domestic structure, the most complete methodology, but also the most complex, so it is bound to face more challenges and opportunities than other industries.

At present, the construction of most banking IT systems is often built by various business departments according to their respective lines to build vertical IT systems such as "shafts", while IT and operation management departments carry out horizontal construction of the business they are responsible for. According to their scale and business volume, the number of IT systems varies from one hundred to thousands. Such a large number of systems crisscross constitute the current complex matrix IT system status.

The pain point of shaft construction mode

Shaft construction mode not only brings strong system professionalism, but also brings decentralized labor pains to the operation and IT management departments.

Shaft construction brings strong professionalism, business counterpart and friendly interface, but after the expansion of the scale of system construction, it brings a series of problems to the later maintenance and the construction of the new system.

The same function, such as transfer transactions, is involved in almost all channels. Each system invokes core services directly through ESB. Today, with the intensive introduction of strong regulatory policies by regulators, a regulatory requirement is often issued, and almost all the channels or business subsystems involved after analysis need to be modified, such as "261", "account classification" and so on.

At the same time, deal with the complex market environment; the development of new business, risk departments for the bank-wide business risk control requirements, operation management new regulations; many other projects have strict requirements for schedule control, or even "time limit online". All these bring great challenges to the IT department.

Challenges often mean opportunities, and it is against this background that the "China-Taiwan Strategy" is about to emerge and become an effective and feasible solution to the contradiction.

Second, the functional framework of the transaction center.

Taking the financial transaction platform built in a bank based on BIIP (Business and Innovation platform) as an example, this paper describes the business logic architecture of the implementation case.

Zhongtai business logic architecture

The overall design concept of "Zhongtai" is "thin core, pure channel, thick Zhongtai". The positioning of Zhongtai is to centralize risk control and business logic.

"thin core": "thin core" is a widely accepted concept in response to the current multi-core, allowing core computing and Ibank O capabilities to focus on current high-concurrency transactions and accounting processing, instead of using valuable core resources in complex and ever-changing business requirements, the core's first priority is stable service response and output. Especially after the implementation of the multi-core framework, even if the core responds to the needs, it may involve multi-core changes and transformation.

"pure channel": "pure channel" means that the field of channel job lies in the presentation layer, and its specialty lies in human-computer interaction or third-party data interaction.

"Houzhong Taiwan": "Houzhong Taiwan" is responsible for dealing with the business logic and regulatory policies of core and channel divestiture. It provides a consistent and fast delivery approach for risk control and business rules.

In this scheme, the financial transactions carried out by China and Taiwan in advance are connected with access transactions. Realize the unified control and logical realization of the connected transaction logic rules.

Functional architecture of transaction center

The following is a list of some of the functions of the Taiwan application, which are mainly divided into two categories, one is the verification of simple admission rules, and the other is logical decision.

In the verification of simple access rules, simple controls such as channel access, period access, regional access, transaction type access and so on are realized.

In the logical decision, some complex functions such as blacklist rules, quota rules, frequency rules and comprehensive rules are realized.

After the introduction of the Zhongtai architecture, the channel only deals with the integrity of the basic elements; the customization of new subsystems is reduced and put into production faster; the original functional transformation of the unified management of China and Taiwan makes the risk more controllable; and the regulatory demand can be promoted more quickly.

The following is a brief introduction to the realization of several functional points, such as the "transaction security lock" put forward by the people's Bank of China, through transaction access, we can realize the functions such as "night lock", "common ground lock" and "overseas lock" in the documents of the people's Bank of China.

Through the rule judgment class, we can realize the functions of "external management blacklist", "terrorism blacklist" multi-core synchronization "account opening blacklist" and ATM cash withdrawal limit and so on.

III. Technical solutions for trading between China and Taiwan

Technical solution of transaction between China and Taiwan

Primeton BIIP is a leading SOA application platform, adhering to the consistent product concepts and characteristics, adopting advanced SOA architecture, based on open technologies and platforms such as JavaEE and Eclipse, supporting online business configuration development, and perfectly combining platform extension technology, component technology, visualization technology and graphics technology with SOA standard technologies such as SCA and SDO, providing customers with the design, development, debugging and deployment of SOA applications. Full lifecycle support to operation, maintenance, control, and governance.

Overview of BIIP featur

BIIP can be functionally divided into development portals (IDE integrated development environment), service operation platform (BIIP Server), monitoring and management portals (Gonvernor), and business portals (coframe framework) that provide user management functions.

The development portal (IDE integrated development environment) is an integrated development environment that integrates the design, development, assembly, debugging, maintenance, deployment, management and release of component-oriented applications, which provides the development, maintenance and management of SOA applications and services throughout the life cycle.

Service running platform (BIIP Server) is the running environment that supports applications and services in China. BIIP Server is composed of core modules such as SCA (Service Component Architecture) container, component running environment, page flow engine, logic flow engine, system service, basic service and so on. EOS Server is an SOA-oriented infrastructure, which implements the standard specifications of SCA1.0 and SDO2.1, the core programming model of SOA.

The main function of the Monitoring and Management Portal (Gonvernor) is to monitor the system in a graphical way, so as to facilitate system developers and operation managers to debug and diagnose the system. Through real-time online monitoring and management tools, we can monitor and manage all levels of the application system. Users only need to monitor the operating parameters of the application system in real time through the Web interface, quickly diagnose and correct errors and anomalies while the system is running, and ensure the normal function of the system with less maintenance cost.

Business Portal (coframe framework) provides a lightweight portal framework to help enterprises achieve results quickly.

IV. The development direction in the later period of the transaction between China and Taiwan

Technical migration to distributed micro-services

The goal of thick Zhongtai technology architecture is to be decentralized.

From the business architecture diagram of Houzhongtai, we can see that Houzhongtai will essentially become the business logic core of one or more types of business in a financial enterprise, but the centralized business architecture may lead to "avalanche" effect. so the technology needs to choose a decentralized underlying architecture to build thick Zhongtai applications.

Advantages of microservices

The microservice business function is simple, the function boundary is clear, and it is easy to develop, understand and maintain.

Each service can be developed by a dedicated development team, free to choose the technology stack, such as database, programming language

The API interface is used for calling between services. As long as the interface remains unchanged, the internal adjustment is transparent to other microservices.

Micro-service stateless deployment, through the registry automatic discovery, you can add or remove service instances, on-demand elastic scaling, horizontal expansion is very easy

A single microservice is very lightweight, starts and stops quickly, and facilitates continuous automated deployment.

Each microservice is deployed independently, and the technology stack is free to choose, so it can evolve independently.

The business direction of the transaction center

Combined with some experience in practical work, there will be great prospects for business development in the following three directions after thick, China and Taiwan.

I. Intelligent risk control

After big data was introduced into the financial industry, a rule is no longer a few simple conditions can be determined, but needs to be combined with big data (mainly external data) running score results to make a comprehensive judgment. on the other hand, the external data make great decisions and support to the internal data in a timely and comprehensive manner.

Second, flexible definition

The application of Zhongtai will shift from on-demand development to the configuration of business operators on demand. After deepening, more business logic can be solidified, and business staff can freely implement rules and rehearse and solidify them into Zhongtai rules.

III. Business logic divestiture

Business logic divestiture refers to the core business logic divestiture, while the direction of Zhongtai is the integration of these divested business logic.

Summary:

In short, in the current era of frequent updates and upgrades of the IT system, the upstream core layer of "Zhongtai" will be updated and upgraded, and the downstream channel layer will be updated and upgraded, so how can the soul of finance be placed in this ever-changing era? At this time, "Houzhong Taiwan" will become the best carrier of IT asset precipitation and management style of a banking institution, so it will be the core of enterprise information construction for quite a long time in the future. Of course, the establishment of "thick China and Taiwan" is not achieved overnight, each enterprise should build its own unique capacity based on the actual situation, in this process, we need to follow the principle of moderation and firmly believe that what is suitable for us is the best. The construction of China and Taiwan should change with the time, change with the trend of the times, and practice as needed.

Selected questions:

Q1: according to the level, it should be the channel-business foreground-business middle desk-business background. This article is not to divide the business front desk and the middle station into the middle station.

A: this is a full-level Zhongtai system, not just for one or several systems, but for certain types of business, focusing on business types. Extract the commonness of multiple systems and control them uniformly.

Q2: there are both SOA and micro-services. Is CCTV a micro-service architecture? Is it understood that the CCTV we are talking about today uses Puyuan's SOA products, and the future development direction is that CCTV will adopt the micro-service architecture?

A: yes. It is possible that some city commercial banks will still be implemented on SOA. The rise of microservices does not mean that there is no soil for SOA, only what is suitable is the best. Enterprises should decide and promote the selection and upgrading of technical architecture according to the actual situation.

About the author: Zheng Zhangyi, Puyuan Project Director, 18 years experience in software industry and 8 years experience in financial software industry. Responsible for the construction of financial front, intermediate business system and integrated front system of many banks, participate in the technical scheme and implementation of more than 10 large-scale projects such as fund management system of many banks, and have rich experience in project management and implementation.

About EAWorld: micro services, DevOps, data governance, original technology sharing of mobile architecture

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