On June 26, 2014, the BW Multi-Channel Integration Platform, independently developed and implemented by Xinda Financial, obtained authorization for computer software copyright from the National Copyright Administration. The software is named "BankingWays Multi-Channel Integration Platform【abbreviated as: BW Platform】V1.0," with the certificate number: Software Copyright Registration No. 0755514.

To become a pioneer and leader in the introduction of international banking core business systems, Beijing Xinda Financial Education Technology Co., Ltd. (referred to as Xinda Financial) took the lead in embarking on the localization journey of international banking core business systems. The BW Multi-Channel Integration Platform represents a significant and powerful step forward in this endeavor.

What is the BW Multi-Channel Integration Platform?

The BW Multi-Channel Integration Platform is a business application built on the various functional modules of the Financial Service Bus (ESB), providing a foundation on the infrastructure of the ESB's basic technology. Each channel system connects to the ESB through communication adapters and message adapters provided by the access container. They enter the ESB through the core route and access the Channel Integration Platform within the service container. This platform completes logical processing of transaction processes such as channel control, limit control, and business processes like channel agreements. Simultaneously, through the service invocation function of the service container, original service requests such as account queries and transfers are routed through the core route to other business systems, completing the entire transaction process. If there are specific service combinations for electronic channels, the ESB access container will provide underlying technical support. The Channel Integration Platform will use other standard services for service invocation, and the invocation request will be routed through the ESB core route to the access container for processing.

The overall architecture of the Channel Integration Platform is shown in the diagram. All technical infrastructure functions related to communication adaptation, message adaptation, service routing, service composition, etc., will be provided by the ESB. ESB will handle the application integration work for various electronic channels, and the Channel Integration Platform will serve as a service provider, focusing on completing the business integration work for electronic channels.

What are the characteristics of the BW Multi-Channel Integration Platform?

1. Outstanding Design Philosophy

The Channel Integration Platform is a unified platform connecting various channel systems to backend business systems. Any channel integrated into this platform can transparently access all backend systems. The core functionalities of this platform include controlling session rules and process rules for business systems. The construction of this platform provides standard interfaces and process services for channel systems.

The Channel Integration Platform includes modules for user management, business institution management, channel transaction switch management, business monitoring management, customer information management, transaction limit management, billing management, and report statistics management. It offers an architecture for multi-channel unified access, fully supporting call center integration system transaction processing and backend business management.

The primary goals of the Channel Integration Platform are as follows:

Expanding the signing process while considering the foundation of multi-channel access in electronic banking, achieving integrated signing for electronic banking (customer signs up once at the counter, and all channels interactively activate). This supports unified channel business norms, service standards, and processes to better meet customer needs, thereby increasing customer satisfaction and providing a consistent banking service experience.

Completing the construction of the system architecture, integrating common transaction processes while maintaining the characteristics of sub-channels, unifying interface formats, providing fast and efficient transaction processing functions, maximizing the reuse of transaction application logic, reducing the overall cost of channel systems (TCO), and reducing the workload of transaction development related to backend business systems. This includes achieving unified product management functionality, one-time product development, multi-channel deployment, and rapid deployment of new channels through a clear hierarchical structure, enhancing market responsiveness.

 Adding transaction institution management, optimizing billing management, and monitoring management components to achieve optimization and perfection of platform functionalities. Ultimately, it involves extracting customer information, product process information, transaction information, and management information from various electronic channels, unifying storage, organically integrating common transaction business logic and management functions, providing integrated and standard business access interfaces to various front-end channels. This enables multi-channel customer signing, flexible transaction control, standard business parameter setting, monitoring alerts, statistical reports, etc., supporting each channel in providing convenient, secure, and personalized services to customers, enhancing the level of bank business management, and strengthening business risk prevention and control capabilities.

2. Specialized Application Architecture

The application architecture of the Channel Integration Platform is illustrated in the diagram: built upon the ESB service container, it provides four major categories of business service functions. The primary function is integration services, which integrate customer, product, service, and channel dimensions. This layer formulates a unified strategy for the development of electronic channel products and services, enabling targeted marketing of products and services.

3. Advanced Technological Architecture

The technical architecture used for the channel integration platform aligns with the standard of the ESB service container. It supports multiple communication protocols and message formats, structured and designed according to the Service-Oriented Architecture (SOA).

4. Clear Physical Network Architecture

The physical network architecture used by the channel integration platform is illustrated in the diagram:

The acquisition of this software copyright certificate is a significant milestone in our company's research and development efforts. It signifies a new step forward in our independent development of international banking core business systems. This achievement is also a testament to Xinda Financial's core technology and robust technological capabilities, demonstrating our commitment to specialized expertise. In the future, Xinda Financial will continue to increase research and development investment, adhere to the path of continuous innovation, leverage the innovative power of digital technology, and provide customers and partners with more valuable products and services. We aim to lead the development of smart banking operations!