The Design And Implementation Of Financial Risk Control Platform Of Online Travel Agent

With the development of economy and society,people's consumption concepts and ways have been upgraded,and the expenditure on tourism has increased substantially.In this context,a large number of scenarios of tourism finance have emerged,such as staging tourism and hotel deferred payment.In order to ensure the business security of these scenarios,Online Travel Agencies must build an efficient risk control system.Risk control is the core of financial business.For the Internet industry,wind control is facing greater challenges.An efficient wind control system not only requires reliable quality,but also needs to be carried out without the user's perception,which means that the system has high requirements.The topic of this paper comes from the real-time risk control system of Ctrip Finance Department.The system consists of two parts:the risk control platform responsible for general risk control process and the data service providing risk control model and credit information.This paper mainly elaborates the reconstruction project of the current risk control platform.The reconstruction goal is to modularize the platform with high coupling degree according to its functions,and implement three parts:event dispatcher module,rule engine and configuration service.The interaction relationship is that when business risks occur,the risk control service will be invoked,and risk events will be transferred to the risk control system for analysis and evaluation through RESTFul,SOA,RPC and multiple message middleware.When risk events are accessed,they are handled synchronously or asynchronously according to their nature.Synchronized risk events include scenarios requiring real-time results,such as order placing,payment and rebate.Asynchronous events generate risk data without requiring results.Common scenarios include user login,browsing and input information.The rule engine processes risk events such as data supplement,rule validation,risk valuation,and records risk data to supplement data services.As the management module of the risk control platform,configuration service is based on Spring MVC,responsible for managing rule files and maintaining cluster load balancing.At present,the reconstructed risk control platform has been released online,which clarifies the functions and boundaries of the internal modules,and cooperates with data services.It satisfies the needs of financial business risk control and ensures that 99%of the risk control services are completed in 600 milliseconds.It not only ensures the company's business and capital security,but also helps the company to form an orderly and effective risk control process.