同城支付系統(tǒng)設計與實現(xiàn)
發(fā)布時間：2019-02-16 07:13
【摘要】：支付體系在當今社會生活中都占有十分重要得地位。穩(wěn)定快捷的支付模型能夠使得人們在日常活動中資金傳輸?shù)母旖?能夠提高社會各種資源的周轉,人民銀行對于貨幣的宏觀調控也更為直接有效。而防范金融風險具有非常重要得意義。支付體系得發(fā)展是一個復雜持續(xù)得動態(tài)過程。近年來,隨著技術進步、金融融合、監(jiān)管革新及需求變化,各國支付體系得發(fā)展路徑主要還是受各種社會相關因素得影響,但是各個國家支付體系得發(fā)展體現(xiàn)出一些共同得趨勢。如果想要在支付這塊體系中有所發(fā)展,就必須要建立一套使各個銀行間能夠相互通信的平臺。而這種支付平臺能夠把每個銀行連接起來,商家只用利用這個平臺就能夠實現(xiàn)銀行間的跨行轉賬。所以,研究如何能建立這種安全、便捷高效、平臺間互轉得同城支付應用系統(tǒng)具有非常深遠的影響。論文介紹了系統(tǒng)開發(fā)得背景和國內跨行支付得現(xiàn)狀并對同城支付系統(tǒng)得業(yè)務要求做了相關分析,詳細闡述了系統(tǒng)需要解決得問題。通過對同城支付系統(tǒng)得需求分析,對系統(tǒng)得總體框架、業(yè)務邏輯、系統(tǒng)功能、數(shù)據(jù)存儲等方面進行了總體設計,實現(xiàn)基于B/S體系架構,JAVA技術開發(fā)web頁面,C++開發(fā)后臺流程處理和DB2數(shù)據(jù)庫管理系統(tǒng)結合得開發(fā)方案。系統(tǒng)主要有后臺數(shù)據(jù)庫、用戶登錄、支付業(yè)務、查詢打印、信息管理等五個模塊組成。實現(xiàn)了支付業(yè)務得借記管理,貸記管理,定期借記管理,定期貸記管理,撤銷業(yè)務,來賬手工確認功能;實現(xiàn)了來賬打印,手工監(jiān)控查詢,機構信息查詢,已退匯查詢,定期業(yè)務明細查詢;實現(xiàn)了查詢查復管理,郵件信息管理,協(xié)議維護,手續(xù)費查詢,賬戶管理等。該系統(tǒng)的各個功能模塊已經(jīng)實現(xiàn)并且達到了系統(tǒng)運行的需求。系統(tǒng)應用的開發(fā)凸顯了現(xiàn)今社會中銀行間的溝通非常必要。銀行間的交流能夠使系統(tǒng)更加扁平化。便捷的系統(tǒng)能夠使銀行的柜員在日常工作的時候更加高效,使得銀行在支付業(yè)務中更高效、更系統(tǒng)、更科學。
[Abstract]:The payment system occupies a very important position in the social life today. The stable and fast payment model can make people transfer funds more quickly in daily activities, improve the turnover of various social resources, and the people's Bank of China's macro-control of money is more direct and effective. And guard against financial risk has very important meaning. The development of payment system is a complex and continuous dynamic process. In recent years, with technological advances, financial integration, regulatory innovation and changes in demand, the development path of payment systems in various countries has been mainly influenced by various social factors. But the development of each country's payment system reflects some common trends. If the payment system is to evolve, a platform must be built that allows banks to communicate with each other. This kind of payment platform can connect each bank, and the merchant can only use this platform to realize inter-bank transfer. Therefore, the research on how to establish this kind of security, convenience and efficiency, and the interflow of payment applications between platforms has a very profound impact. This paper introduces the background of the development of the system and the current situation of interbank payment in China, analyzes the business requirements of the same city payment system, and expounds in detail the problems that the system needs to solve. By analyzing the requirements of the same city payment system, the overall framework, business logic, system function, data storage and other aspects of the system are designed, and the web page is developed based on the B / S architecture and JAVA technology. C development background process processing and DB2 database management system combined to develop a project. The system consists of five modules: background database, user login, payment service, query and print, information management, etc. The functions of debit management, credit management, periodic debit management, periodic credit management, cancellation of business and manual confirmation of accounts are realized. To achieve the printing of accounts, manual monitoring and query, institutional information query, returned foreign exchange query, regular business detail query; query and search management, mail information management, protocol maintenance, handling fees query, account management and so on. Each functional module of the system has been realized and reached the requirement of system operation. The development of system application highlights the necessity of communication between banks in today's society. Interbank communication can make the system more flat. Convenient system can make bank teller more efficient in daily work, make bank pay business more efficient, more systematic, more scientific.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：TP311.52;F832.2
本文編號：2424185
[Abstract]:The payment system occupies a very important position in the social life today. The stable and fast payment model can make people transfer funds more quickly in daily activities, improve the turnover of various social resources, and the people's Bank of China's macro-control of money is more direct and effective. And guard against financial risk has very important meaning. The development of payment system is a complex and continuous dynamic process. In recent years, with technological advances, financial integration, regulatory innovation and changes in demand, the development path of payment systems in various countries has been mainly influenced by various social factors. But the development of each country's payment system reflects some common trends. If the payment system is to evolve, a platform must be built that allows banks to communicate with each other. This kind of payment platform can connect each bank, and the merchant can only use this platform to realize inter-bank transfer. Therefore, the research on how to establish this kind of security, convenience and efficiency, and the interflow of payment applications between platforms has a very profound impact. This paper introduces the background of the development of the system and the current situation of interbank payment in China, analyzes the business requirements of the same city payment system, and expounds in detail the problems that the system needs to solve. By analyzing the requirements of the same city payment system, the overall framework, business logic, system function, data storage and other aspects of the system are designed, and the web page is developed based on the B / S architecture and JAVA technology. C development background process processing and DB2 database management system combined to develop a project. The system consists of five modules: background database, user login, payment service, query and print, information management, etc. The functions of debit management, credit management, periodic debit management, periodic credit management, cancellation of business and manual confirmation of accounts are realized. To achieve the printing of accounts, manual monitoring and query, institutional information query, returned foreign exchange query, regular business detail query; query and search management, mail information management, protocol maintenance, handling fees query, account management and so on. Each functional module of the system has been realized and reached the requirement of system operation. The development of system application highlights the necessity of communication between banks in today's society. Interbank communication can make the system more flat. Convenient system can make bank teller more efficient in daily work, make bank pay business more efficient, more systematic, more scientific.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：TP311.52;F832.2
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