In the last ten years , Due to the changing consumer preferences , Like many other industries , Financial institutions are also forced to invest and develop digital strategies , To adapt to the accelerating pace of innovation . Customer demand changes rapidly , Fast iteration of products and services , Cross border competition is becoming increasingly fierce . China Construction Bank actively adapts to the changing situation , Put forward 「 Financial technology 、 Housing lease 、 Inclusive finance 」 Three major strategies , Implement the fintech strategy , Through technology for financial products and services 、 The business process 、 Business model for comprehensive innovation , And then help the transformation and upgrading of financial institutions , Promote the popularization of financial markets 、 Promotion of information technology 、 Digitization 、 Intelligent trend development .
With 5G The arrival of the times and the continuous maturity of Internet of things Technology , CCB is also exploring how to use Internet of things technology to help business innovation . One side , In the past, traditional banking outlets mainly relied on manual services , As the business becomes more complex , The requirements of new business replacement on service personnel and the labor cost are rising , It is bound to need intelligent electronic services to assist and gradually replace human services ; On the other hand , Collect customers' behavior habits through Internet of things technology 、 Consumption patterns and all kinds of information , Help banks to collect customer information more accurately , Accurate positioning of customer needs , Provide data support and technical service support for the design of convenient financial products and services closer to customers .
Work together to achieve
CCB Financial Technology Co., Ltd （ hereinafter referred to as 「 CCB financial technology 」） As a wholly-owned subsidiary of China Construction Bank engaged in financial technology industry , Artificial intelligence technology and Internet of things technology are widely used , Help China Construction Bank to create 「 Smart bank 」, Improve online banking 、 The intelligent level of Internet websites and mobile banking .
The Internet of things platform independently developed by CCB financial technology undertakes the data security collection of Internet of things devices and mobile devices in bank outlets 、 Access and management . The platform uses MQTT The main Internet of things message transmission protocol , Except for MQTT Designed for IOT scenarios , With light weight 、 Simple 、 Open and easy to implement features , Also because it is the mainstream data transmission protocol of the Internet of things , It has passed the market test in maturity and equipment compatibility .
In the Internet of things platform message access layer , CCB financial technology mainly considers the following requirements in technology selection ：
1） Can support Massive device access capability . The platform needs to support more than 100000 equipment access capacity , Later, it is convenient to realize the horizontal expansion of access volume ;
2） Need to provide Stable connection and data transmission capability , The platform supports high availability , Data transmission is highly reliable , It can satisfy the platform 7x24 Hours of uninterrupted operation ;
3） Make sure that Real time data processing . Access to massive devices , At the same time, the message throughput is relatively large , Platform data reporting and message distribution should also achieve low latency ;
4） Access on the platform Security We need to provide a complete solution .
After a variety of selection and long-term test comparison , CCB financial technology has adopted EMQ X Message access scheme based on message middleware .
EMQ X As the world's first MQTT Open source message middleware project , In terms of product function and maturity, as well as the popularity and activity of the open source community, it is located in global open source MQTT The forefront of message middleware , It is also one of the few domestic software with independent intellectual property rights . After a long time of testing and Research ,EMQ X Show the following advantages ：
1）EMQ X Provided High concurrency 、 High availability cluster It meets the demand of massive equipment access in the platform construction . At present, the number of equipment access has reached 5 All the above , More than Dozens of .EMQ X The simple and convenient cluster expansion capability also provides a flexible solution for subsequent expansion ;
2）EMQ X Of High throughput 、 Low delay The ability of data aggregation and processing ensures the high-speed transmission of data , Enable business to be processed in real time ;
3）EMQ X Transfer from protocol （ be based on TSL Encrypted MQTT Protocol and private encryption algorithm ）、 Device access （ Certificate and device authentication ）、 To the application layer （ ACL Access control ） Provides Multiple security ;
4）EMQ X Provides Flexible and rich message routing and push API , Easily connect the complex business and financial service system in the background .
CCB financial technology Internet of things platform from 2019 Since its launch in , It has been running smoothly for about two years . At present, our business covers The national 37 Branches 2 More than 10000 outlets , The demand for access devices exceeds 200 Ten thousand units . Equipment types include cash boxes 、 Teller machine 、 Intelligent display screen 、 Environmental sensors in the dot , Light controller 、IT Assets and other smart devices . Through the Internet of things platform, standardized equipment access 、 Equipment management 、 Unified application enabling interface , It has realized the integration and innovation of a variety of intelligent banking business and financial technology .
With the continuous development and innovation of CCB's banking business , As the basic technical support, CCB financial technology Internet of things platform will continue to develop in the future , Continuously expand the type and quantity of equipment access , Improve the platform capability on the basis of the current platform , In order to better support the development of CCB's smart banking business . CCB financial technology Internet of things platform is also planning to be based on EMQ X The capabilities in the enterprise edition achieve the following goals ：
1） Improve the system processing capacity and stability in the case of platform data throughput expansion
At present, we consider using EMQ X The enterprise version of message queue data bridging ability to improve the current way based on consumer subscription to achieve uplink data consumption , This can improve the system processing capacity and system stability in the big data throughput scenario .
2） Improve the flexibility of business system docking and support
With the development of business, the demand of background system docking is also increasing , The flexibility of data filtering and data streaming is relatively poor after the data is consumed by the application layer . At present, our bank is investigating based on EMQ X In the enterprise edition Rule engine function , Put some business data processing rules to EMQ X in , Realize the data diversion and preliminary data processing according to the needs of business system . On the one hand, business rules can be flexibly customized , Through the rule engine, the data is directly distributed to the application interface 、 Database and message queue provide flexible data support ; On the other hand, use EMQ X Enterprise version of high-performance rules engine in the front-end real-time streaming data , Reduce the data processing pressure of background application , Improve system stability .
I hope the follow-up will be aided by EMQ X The platform is updated iteratively , CCB financial technology can continuously expand the business support capability of the platform , In the business expansion at the same time to ensure that data can be processed in a timely manner , To undertake more business needs within the bank and the industry to provide a solid guarantee .
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