Big Data Platform Architecture under The Background of Financial Technology: In The Insurance Industry As An Example

Proceedings of the 2018 International Conference on Big Data Engineering and Technology, pp.31-35, (2018)

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摘要

With the rise of the concept of financial technology, financial and technology gradually in-depth integration, scientific and technological means to become financial product innovation, improve financial efficiency and reduce financial transaction costs an important driving force. In this context, the new technology platform is from the b...更多

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简介
  • With the popularity of the Internet and the rapid development of emerging technologies, the concept of financial science and technology has emerged as the new outlet for the development of the financial industry after the Internet finance, providing an infinite imagination for financial product innovation and service upgrading [14].
  • Financial technology; big data platform; space-time data; insurance industry; platform architecture
重点内容
  • With the popularity of the Internet and the rapid development of emerging technologies, the concept of financial science and technology has emerged as the new outlet for the development of the financial industry after the Internet finance, providing an infinite imagination for financial product innovation and service upgrading [14]
  • The foundation of insurance is the law of large numbers, the insurance industry and the data can be said to be closely related [12]
  • Most of the traditional data platforms in China have single function and single service, which are not combined with other mature technologies
  • The deployment of big data platform is in line with the new model of "Platform + Big data + Integrated Services" and is combined with GIS technology to help break through barriers in traditional industries and become a model in Internet finance, forming an exemplary effect and promoting the development of real economy [10]
  • Big data platform combined with space-time data can really integrate its own data resources, and can be derived from a large number of products, on the cost reduction, risk prevention on the business are helpful
结果
  • Big data platform with big data vision and thinking, combined with the very mature GIS technology, focusing on insurance business model, business philosophy, product design, management processes, the financial science and technology to achieve the full upgrade and transformation of the insurance industry.
  • With the widespread popularity and development of big data technology, financial big data applications have become a hot trend in the industry, in transaction fraud identification, precision marketing, black production prevention, consumer credit, credit risk assessment, supply chain finance, stock market forecast, stock price Forecasting, smart investment, fraud insurance identification, risk pricing and other specific businesses involving banks, securities, insurance and other fields have been widely used.
  • Space-time big data platform for the insurance industry to provide data and technical support to help the insurance industry to create productcentric products and customer geographies as the center of the customer circle, and promote the development of the industry, the formation of a "two centers a basic point" of development mode.
  • The concept of "Big Data +" will be extended through such aspects as product design, product pricing, product recommendation[16], product tracking service, product claim settlement and anti-fraud so as to broaden the application scenario of big data technology in smart insurance work, integrate data resources, customer needs, Figure 2: A map of customer circle based on location.
  • Big data platform will be combined with the currently very mature GIS technology, businessoriented, providing a variety of data support services.
  • The service layer mainly includes the data service support platform to extract data from the big database, and carry out related data processing and interface encapsulation to provide data support services for big data mining and visual analysis to meet various business sectors in the analysis of various types of data The demand.
  • The deployment of big data platform is in line with the new model of "Platform + Big data + Integrated Services" and is combined with GIS technology to help break through barriers in traditional industries and become a model in Internet finance, forming an exemplary effect and promoting the development of real economy [10].
结论
  • Big data platform combined with space-time data can really integrate its own data resources, and can be derived from a large number of products, on the cost reduction, risk prevention on the business are helpful.
  • With the maturing of big data technology, the sparks collide with each other are incalculable[4]
引用论文
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作者
Jiawen Peng
Jiawen Peng
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