I. Unified Multi-Source Data Access Module
Addressing the challenge of fragmented data access by providing two complementary capabilities:
· Online Query Access: Standardized API integration with third-party providers, compatible with mainstream protocols (HTTP/JSON), enabling real-time data retrieval and low-latency response (e.g., for instant risk-control queries).
· Batch Data Import: Supports bulk data ingestion via SFTP and similar protocols (e.g., regularly pushed industry datasets from vendors). Automated scheduling, validation, and ingestion processes are applied, ensuring efficiency for large-scale batch processing scenarios.
II. End-to-End Lifecycle Management Module
Addressing the complexity of system collaboration and operations, the platform enables fine-grained management of external data resources:
· Vendor & Interface Management: Centralized maintenance of vendor details (credentials, contracts, contacts) and interface parameters (endpoints, formats, rate limits). Includes status monitoring and version management, reducing coordination costs.
· Billing & Reconciliation: Automatically calculates costs based on API calls or data volume, generates billing reports, and reconciles vendor-provided data with built-in discrepancy alerts to minimize manual errors.
· Monitoring & Operations: Real-time monitoring of system metrics (server load, API response time, data processing progress). Issues are logged and flagged through alerts (e.g., SMS notifications), supporting rapid troubleshooting and traceability.
III. Data Processing & Value Extraction Module
Addressing inefficiencies in data processing and delayed value realization by building a high-performance processing pipeline:
· Data Cleansing & Integration: Deduplication, standardization, and validation of ingested data, with batch processing subsystems. Hive is leveraged for offline analytics and historical data consolidation, generating structured data assets.
· High-Value Data Accumulation: Structured storage strategy separates real-time data (transaction databases) from historical data (HDFS), enabling multi-dimensional tagging (e.g., by customer or industry) to support customer profiling and risk rating.
· Multi-Dimensional Service Delivery: Standardized data services provided via APIs to downstream systems (risk management, marketing platforms). Supports real-time queries and batch exports, accelerating data monetization.
IV. Security & Compliance Assurance Module
Addressing prominent risks in data security and compliance with a full-chain protection framework:
· Access Control & Permissions: Based on the RBAC model (role-based access control), strictly limiting data access scopes (query, modification, export). TOKEN-based authentication ensures secure downstream system calls.
· Audit & Traceability: Complete logging of all operations (user, timestamp, content—query, edit, export). Logs are archived and searchable to meet regulatory audit requirements.
· Secure Transmission & Storage: Data transfers are encrypted with HTTPS/SFTP protocols; storage is safeguarded through database encryption and sensitive data masking, effectively preventing leaks.
