Java Architect Series Navigation Table of Contents
Challenges and architecture design in the financial field
- The direction of the financial field
- borrow money
- Insurance
- stock exchange
- Internet Finance vs Traditional Finance
- Meeting the financial needs of a wider group of people
- Enhancing Financial Inclusion
- Improving Financial Services Efficiency
- Prospects of Internet Finance
- With vigorous development in the past ten years, sunrise industries: Huabei, Jiebei, Weiweidai, Yu'ebao
- Double-edged sword: lack of laws, regulations, and supervision, barbaric growth
- Challenges of Internet Finance
- Legal and Policy Challenges
- legal risk
- Criminal law challenges such as illegal fund-raising crimes, illegal securities crimes, and illegal business crimes
- Civil Law Risks
- Policy Challenges: Ant Listing Incident
- legal risk
- Compliance and Regulatory Challenges
- Challenges brought about by separate regulation and mixed operation
- compliance
- transactional challenges
- Banking business: to ensure the safety of users' funds
- Loan business: check user credit reports, fraud prevention, etc.
- technical challenges
- Architect: Technical architecture design and domain planning require both financial domain knowledge and the dual capabilities of Internet high-concurrency architecture
- R&D, testing, operation and maintenance: the complexity has increased exponentially; troubleshooting and analyzing problems are much more complicated than before, requiring a large number of tools to support
- Legal and Policy Challenges
Classification of consumer finance
- E-commerce consumer finance: Consumer finance products and services that are deeply integrated with e-commerce platforms. For example, Ant Huabei, Jingdong Baitiao
- Tourism consumption finance: Taking tourism as a consumption scenario, products and services that provide loans for tourism consumption demand are becoming the new focus of tourism platform competition
- Real estate consumer finance: lending services or products around real estate; divided into new housing finance, second-hand housing finance, decoration finance, and housing rental finance
- Educational consumer finance: For example, training institutions provide installment payments for college students
Business process of consumer finance loan
Risk control process at the time of shipment
Risk control structure
Accounting process
Several camps for Internet financial technology selection
- A technical system centered on the Spring Cloud family bucket
- For example: Hangzhou China Merchants Bank, Beijing Agricultural Bank, China Universal, E Fund, etc.
- Technology system centered on Dubbo
- For example: Nets Union Clearing, Industrial and Commercial Bank of China, Gome Financial, etc.
- Technical system centered on SOFA
- For example: Bank of Nanjing, PICC Health, Tianhong Fund, online banking, etc.
- Deliver applications directly centered on Kubernetes without using any distributed framework
- For example: China Securities Depository and Clearing Corporation Limited
Case Studies
- Ant Financial 11.11: Technical Architecture and Practice of Alipay and Ant Huabei
- The structure of Lufax's financial platform has been greatly upgraded
- Looking at the challenges of Internet high concurrency to financial system architecture from the perspective of Yirendai system architecture
- Alipay's technical architecture and practice - reading experience
Challenges and architecture design in the field of logistics
- prospect
- Very fast, No. 1 in the world, and the growth rate is gratifying
- Most orders are seized by leading companies
challenge
- bigger
- The logistics center area needs to be larger to accommodate more goods
- The logistics system needs to handle greater concurrency, more orders, and more data volume
- faster
- Logistics has increasingly demanding requirements for speed
- It is required that picking, packaging, sorting, collection, loading and unloading, and distribution must be faster
industry to try faster
- hardware
- Intelligent Sorting Center
- Sorting AGV
- AGV automatic guided forklift
- unmanned delivery vehicle
- drone
- Self-lift cabinet
- Software: launch more efficient algorithms and systems to improve logistics efficiency
The general process of express delivery
Case Studies
- Dada CTO: Dada Logistics Technology Architecture Road and Technology Sharing
- Cainiao Logistics Big Data Technical Architecture
- SF Express Logistics Design Scheme
- Distributed system architecture design of meituan real-time logistics
Challenges and architecture design in the social domain
social classification
- Acquaintance social: QQ, WeChat
- Short video social: Douyin, Kuaishou
- Live social media: Huya, Douyu
- Social interaction with strangers: Momo, Tantan, Soul
- Social networking in the workplace: DingTalk, Feishu, Maimai
- Q&A social: Zhihu, Tianya, Zhizhi
- Marriage and social networking: Zhenai.com, Century Jiayuan
- Social Media: Facebook, Weibo, Twitter
- Socializing for Kids: The Little Genius Watch
Challenges and Architecture Design of Live Social Media
- Push flow: refers to the process of transmitting the packaged content in the collection phase to the server
- Streaming: refers to the process of pulling live content from the live server
General process of live broadcast
Protocols commonly used in live streaming
- RTMP（Real Time Messaging Protocol）
- A real-time messaging protocol designed by Adobe Corporation. The bottom layer is TCP
- It is required that the video must be encoded in H264, the audio must be encoded in AAC or MP3, and the transmission is generally in FLV or F4V format.
- The most mainstream streaming media transmission protocol, good support for CDN, less difficult to implement, is the choice of most live broadcast platforms
- Can't play directly in browser
- HLS（Http Live Streaming）
- An HTTP-based streaming media real-time transmission protocol defined by Apple
- Divide the entire stream into multiple small files to download, and only download a few at a time. The server will generate new small files from the latest live broadcast data, and the client can realize the live broadcast as long as the files obtained from the server are continuously played in order
- The transmission content includes two parts: one is the M3U8 description file, and the other is the TS media file; the video in the TS media file must be encoded in H264, and the audio must be encoded in AAC or MP3
- The advantage is that the data is transmitted through the HTTP protocol without considering firewall or proxy issues; but because HLS is pushed in segments, the delay of HLS will be higher than other live streaming protocols
- FLV（FLASH VIDEO）
- A very popular streaming format
- In this mode, the FLV will be downloaded to the local cache first, and then the FLV file will be played
- Good timeliness and simple implementation; but the FLV will be cached locally, so the confidentiality is not very good
Challenges of Live Social
- High concurrency challenges: loans, traffic, application high availability, throughput, concurrency capabilities
- Challenges in audio and video processing and transmission: real-time beautification, audio and video coding, video push-pull streaming, CDN acceleration
- Low latency requirements: low latency, cleaning
- The challenge of terminal adaptation: transcoding, adjusting equipment
- Challenges of content review: content review, automatic pornographic identification, and automatic blocking of illegal information
