I. Full-Process Automated Payment and Receipt Processing: Addressing Efficiency and Cost Pain Points
Integrated Multi-Channel Payment and Receipt System: Covers traditional payment methods such as counter cash and checks, as well as digital channels like smart POS, WeChat Pay, and bank transfers, achieving full-scenario coverage of both "online + offline" transactions. The system automatically verifies payment information and provides real-time transaction status feedback, with single-transaction processing reaching second-level efficiency, minimizing manual intervention and operational errors.
Intelligent Batch Reconciliation Management: Supports centralized and branch-level reconciliation modes, automating bank transfer data reconciliation, return processing, and anomaly tracking. By implementing standardized formats and segmentation rules, it reduces labor costs and errors.
Automated Daily Settlement and Statement Generation: Automatically generates, verifies, and archives various daily settlement reports, syncing them to the financial system to create accounting vouchers. This replaces manual reconciliation and report preparation, significantly shortening the end-of-day processing cycle.
II. Customer-Centric Service Upgrade — Enhancing Customer Experience
1. Omni-Channel Payment Adaptation: Supports multiple payment methods such as cash, checks, and transfers, allowing customers to choose freely. Provides flexible operations such as payment method changes and account modifications to meet personalized needs.
2. Real-Time Transaction Transparency: Delivers second-level feedback on transaction results. Customers can query premium collection/payment details, bill status, and refund progress, enhancing service transparency and trust.
3. All-Scenario Service Integration: Supports intelligent POS terminal management, adapting to offline scenarios such as agent visits and branch counters. Combined with online channels such as WeChat Pay, it delivers a “pay anytime, anywhere” experience.
III. End-to-End Risk Control — Strengthening Compliance & Security
1. Multi-Layer Security Protection: Integrates Spring Security and SSO (Single Sign-On) for unified user authentication and permission control. Implements data encryption (transmission/storage) and operation log auditing to meet regulatory compliance.
2. Intelligent Exception Handling: Automatically processes anomalies such as bank response timeouts via service compensation and retry mechanisms, ensuring data consistency. Supports transaction reversals and rollbacks to reduce financial risks caused by misoperations.
3. Real-Time Reconciliation & Alerts: Automatically receives reconciliation files and compares them with core transaction data, generating discrepancy lists and issuing real-time alerts. Replaces manual reconciliation and improves risk detection efficiency.
IV. Seamless Cross-System Integration — Breaking Down Data Silos
1. Standardized Interface Framework: Provides two integration schemes—service-based for single transactions, and “file + service notification” for batch transactions. Enables seamless bidirectional data synchronization with insurance core systems (contracts, policies, etc.), financial systems (e.g., SAP), and banking channels (e.g., Bancassurance).
2. Data Consistency Assurance: Utilizes ODS/big data platforms and SAF storage-forwarding mechanisms to prevent data loss across systems. Combined with end-of-day reconciliation, ensures final consistency of system data.
3. Multi-Rule Adaptability: Supports customized bank transfer formats for different branches and real-time configuration of partner bank parameters (limits, settings, etc.), reducing integration complexity.
V. Highly Scalable Architecture — Enabling Flexible Business Innovation
1. Modular Function Configuration: Divides functions into modules such as premium collection & payment, refund/reprocessing, reconciliation, social security, and reporting, with on-demand activation. Special features (e.g., social security settlement forms) can be configured independently without altering the core workflow.
2. Parameterized Rule Engine: Supports configuration of real-time business limits, reconciliation parameters, and general ledger rules. New business scenarios (e.g., adding payment channels, adjusting reconciliation rules) can be adapted via parameter adjustments, reducing development workload and shortening time-to-market.
3. Elastic Technical Architecture: Built on a layered framework (UI – Action – UCC – Service – DAO – DB), supporting server cluster deployment and database dual-hot backup. Enables dynamic scaling to handle peak transaction volumes.
