【摘要】：當(dāng)今，銀行卡已經(jīng)成為大眾生活中不可缺少的非現(xiàn)金支付工具，因此，銀行卡使用中的安全問題也越來越受到大眾關(guān)注。原有銀行卡采用磁條卡技術(shù)，磁條卡信息容易被復(fù)制，用以偽造銀行卡和盜取持卡人賬戶資金的案件時有發(fā)生。新聞事件不斷被傳媒曝光，，亦越來越成為當(dāng)下普通老百姓議論和關(guān)注焦點。因此銀行卡的安全性引起了國家的高度重視，2011年3月人民銀行頒發(fā)《推進(jìn)金融IC卡應(yīng)用工作的意見》，決定在全國范圍內(nèi)開啟銀行卡芯片遷移工作，要求2015年開始商業(yè)銀行發(fā)行的銀行卡必須都是金融IC卡，目前銀行推出的金融IC卡大多為磁條卡和IC卡合一卡。另據(jù)了解，到2015年，原有的磁條卡不會退市，儲戶仍可使用，銀行將不會強(qiáng)制更換。推廣金融IC卡是國家金融戰(zhàn)略，是中國夢的一部分，標(biāo)志著全國范圍內(nèi)的推廣應(yīng)用全面啟動。 本文主要對某銀行卡系統(tǒng)中的以下安全模塊的研究： 1、ECMS-銀行信用卡系統(tǒng)中的核心處理系統(tǒng)。本論文研究主要從模塊的主要功能是入賬處理，管理操作所在的交易賬戶數(shù)據(jù)，模塊的特點，模塊架構(gòu)，模塊賬戶組織和標(biāo)識分配，信貸計劃等進(jìn)行綜合論述。 2、EAS-IC卡的在線授權(quán)系統(tǒng)模塊。本論文研究通過EAS在線系統(tǒng)實現(xiàn)真正的即時消費(fèi)和即時扣款功能（根據(jù)來自ECMS模塊的信息批準(zhǔn)或拒絕賬戶交易，發(fā)送批準(zhǔn)或拒絕交易信息返回給ECMS模塊），利用Embossing（制卡系統(tǒng)）通過把客戶的相關(guān)信息，卡號，密碼，信用額度都寫入芯片植入硬卡，當(dāng)消費(fèi)者在使用芯片卡進(jìn)行交易的同時，POS機(jī)和銀行終端產(chǎn)生信息交互，通過EAS傳遞數(shù)據(jù)經(jīng)芯片卡的組織并對賬戶信息進(jìn)行核對，校驗，并授權(quán)進(jìn)行綜合論述。 3、ADS-爭議管理系統(tǒng)模塊。本論文研究主要從模塊的主要功能是建立并處理客戶卡交易糾紛,檢索客戶賬單數(shù)據(jù)的交易技術(shù)功能，授權(quán)功能進(jìn)行研究和綜合論述，并對ADS系統(tǒng)在爭議處理方面的主要特點：包括爭議啟動，爭議跟蹤，系統(tǒng)管理，查詢，管理信息系統(tǒng)等進(jìn)行研究和綜合論述。 我們通過對三大模塊的研究，梳理三大模塊之間的關(guān)系和特點，針對銀行IC卡的安全性、爭議解決、在線授權(quán)相關(guān)知識的認(rèn)知，及對銀行卡安全管理模塊的架構(gòu)和設(shè)計進(jìn)行實現(xiàn)，解決時下新聞熱點例如新聞中的兩次消費(fèi)金額和地點一模一樣，銀行卡是否被盜刷還是銀行卡被重復(fù)扣款，境外游客或留學(xué)生銀行卡被重復(fù)劃款計費(fèi)，均可利用ADS爭議解決系統(tǒng)，記錄和跟蹤消費(fèi)者的銀行卡情況，可以解決和避免銀行卡重復(fù)扣款，可以及時發(fā)現(xiàn)和解決在線爭議問題，降低重復(fù)計費(fèi)的概率，保障了銀行卡使用中的爭議的及時解決和避免銀行和金融系統(tǒng)聲譽(yù)受損和解決人們對銀行卡安全性的不必要的擔(dān)心。
[Abstract]:Nowadays, the bank card has become an indispensable non-cash payment tool in the life of the public. Therefore, the security problem in the use of the bank card has been paid more and more attention by the public. The original bank card adopts the magnetic stripe card technology, the magnetic stripe card information is easy to be duplicated, which is used to forge the bank card and steal the funds of the cardholder account. News events continue to be exposed by the media, but also increasingly become the focus of discussion and attention of ordinary people. Therefore, the security of bank cards has attracted great attention from the state. In March 2011, the people's Bank of China issued "opinions on promoting the Application of Financial IC Card" and decided to start the migration of bank card chips throughout the country. The bank cards issued by commercial banks in 2015 must be financial IC cards, most of which are magnetic stripe cards and IC cards. It is also understood that by 2015, the original magnetic stripe card will not be delisted, savers can still use, banks will not be forced to replace. Promotion of financial IC card is a national financial strategy, is a part of Chinese Dream, marking the nationwide promotion and application of a comprehensive start. This paper mainly studies the following security modules in a bank card system: 1 the core processing system of ECMS-bank credit card system. In this paper, the main functions of the module are accounting processing, the management of the transaction account data, the characteristics of the module, the module structure, the organization of the module account and the allocation of the identity. Credit planning and other comprehensive exposition. 2 EAS- IC card online authorization system module. This paper studies the real real-time consumption and instant withholding function through the EAS online system (according to the information from the ECMS module to approve or reject account transactions, Send or reject the transaction information back to the ECMS module), using Embossing (business card printing system) by the customer's related information, card number, password, credit line are written into the chip embedded in the hard card, When the consumer uses the chip card to trade, at the same time, the POS machine and the bank terminal produce information interaction, pass the data through the organization of the chip card through the EAS, and check the account information, check, check and check the account information. And authorized to conduct a comprehensive discussion. 3 / ADS- dispute management system module. In this paper, the main function of the module is to establish and deal with the customer card transaction disputes, to retrieve customer billing data transaction technology function, authorization function for research and comprehensive discussion. The main characteristics of the ADS system in dispute resolution include dispute initiation, dispute tracking, system management, query, management information system and so on. Through the study of the three modules, we comb the relationship and characteristics between the three modules, aiming at the security of IC card, dispute resolution, online authorization related knowledge cognition, And to implement the structure and design of the security management module of bank cards, to solve the current news hotspots such as the same amount and location of the two consumption items in the news, whether the bank card is stolen or whether the bank card has been repeatedly withheld. If a foreign tourist or a foreign student's bank card is charged with repeated transfers, he can use the ADS dispute resolution system to record and track the consumer's bank card situation, to solve and avoid repeated bank card withholding, and to find and resolve online disputes in a timely manner. Reducing the probability of repeated charging ensures the timely resolution of the disputes in the use of bank cards and avoids the damage to the reputation of banks and financial systems and solves the unnecessary worries about the security of bank cards.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：TP309;TP393.07

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