Design And Implementation Of Internet Financial Intermediary Service System

The development of Internet finance and the promotion of inclusive finance have led to the emergence of social demand for Internet financial intermediary service system.The Internet financial service system provides options for investors with investment needs by simply screening projects of borrower who's in need of funds,and publishing them on the system.The system allows the investor to choose the project published by the appropriate borrower for financial investment,thus matching the loan relationship between the investor and the borrower.By studying the online Internet financial intermediary service system of a financial group,this paper designs and implements the transaction module,account center module,background management module and risk control module.Through the Internet financial intermediary service system,on the one hand,users can submit a loan application to obtain the required borrowed funds;on the other hand,they can recharge their own funds into the system as a financial investment to win wealth appreciation.The system acts as an intermediary,matching the loan relationship.On the basis of J2 EE architecture,the system adopts seperated layered design.The user interface is a three-layer structure of display layer,business logic processing layer and persistent data layer.We use database MYSQL as data processing.Physically,by properly partitioning the project,different projects are installed on different LINUX system hosts to achieve the separation of the layers.On the network,through the open port whitelist policy of the firewall,the network area is isolated to ensure that the access rights of each network interval are legitimate,and combined with threat alarm,the risk isolation of each network interval is guaranteed.During the communication with the user,use SSL to encrypt the communication to prevent information leakage.Records of user operations involving funds are tamper-proof by generating signatures in MD5.The system uses transactions to ensure the correct operation of the underlying investment during the concurrent operation of bidding.Risk control module is mainly through multiple channels to obtain the corresponding borrower data,and uses the binary Logistic regression model to return of intermediary platform to get the actual data,to ensure that the intermediary service system auto-operation of the risk control management.At present,the system has passed a large number of test examples.Through the system,the enterprise has approached new business online and profit growth,but also increased the enterprise's competitiveness in the market.