本文關(guān)鍵詞： 金融IC卡 業(yè)務(wù)流程優(yōu)化 行業(yè)應(yīng)用拓展 管理系統(tǒng)　出處：《山東大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：金融IC卡是我國(guó)主推的新型安全可靠的金融支付工具,是金融服務(wù)與信息技術(shù)有機(jī)結(jié)合的產(chǎn)物,可大幅提高經(jīng)濟(jì)金融效率,節(jié)約社會(huì)成本。以金融IC卡當(dāng)前的發(fā)展趨勢(shì)和國(guó)家支持力度來(lái)看,金融IC卡將成為今后消費(fèi)支付的主流介質(zhì)。積極推廣金融IC卡行業(yè)應(yīng)用拓展項(xiàng)目,將金融IC卡的脫機(jī)閃付功能應(yīng)用到行業(yè)支付領(lǐng)域,勢(shì)必會(huì)拓展金融IC卡的受理領(lǐng)域。通過(guò)使金融IC卡與社會(huì)公共服務(wù)領(lǐng)域、學(xué)校、企業(yè)等行業(yè)應(yīng)用密切結(jié)合,可以為商業(yè)銀行吸引大量的金融IC卡用戶(hù),可以進(jìn)一步吸收行業(yè)合作方的沉淀資金,增進(jìn)金融IC卡的市場(chǎng)價(jià)值和社會(huì)效益,從而大幅提升銀行的市場(chǎng)競(jìng)爭(zhēng)力。 本文結(jié)合國(guó)內(nèi)外在金融IC卡應(yīng)用管理方面的先進(jìn)經(jīng)驗(yàn),從研究J商業(yè)銀行K分行的金融IC卡應(yīng)用現(xiàn)狀入手,在對(duì)金融IC卡業(yè)務(wù)流程進(jìn)行系統(tǒng)分析的基礎(chǔ)上提出了業(yè)務(wù)流程優(yōu)化措施,主要包括優(yōu)化組織架構(gòu)、優(yōu)化校園一卡通業(yè)務(wù)流程、優(yōu)化應(yīng)用模式、打造差異化產(chǎn)品和優(yōu)化制卡流程。最后,通過(guò)充分地需求分析,本文得出了通過(guò)金融IC卡管理系統(tǒng)建設(shè)來(lái)促進(jìn)金融IC卡業(yè)務(wù)發(fā)展的結(jié)論,并提出了具有技術(shù)前瞻性和可行性的金融IC卡管理系統(tǒng)設(shè)計(jì)方案,充分體現(xiàn)了信息技術(shù)對(duì)業(yè)務(wù)流程優(yōu)化和業(yè)務(wù)發(fā)展的支撐作用。 本文的選題頗具時(shí)代特色,創(chuàng)新地提出了金融IC卡電子錢(qián)包空中圈存和行業(yè)應(yīng)用二次個(gè)人化等實(shí)施方案。本文采用理論基礎(chǔ)與案例分析相結(jié)合的方法,在充分掌握業(yè)務(wù)流程優(yōu)化、金融IC卡行業(yè)應(yīng)用拓展和IT應(yīng)用風(fēng)險(xiǎn)等理論知識(shí)的基礎(chǔ)上,重點(diǎn)結(jié)合校園一卡通、公交IC卡和ETC聯(lián)名卡的應(yīng)用案例,找到金融IC卡業(yè)務(wù)流程的癥結(jié),再有針對(duì)性地制定了業(yè)務(wù)流程優(yōu)化措施。本文的研究過(guò)程層層深入,通過(guò)細(xì)致地需求分析,充分認(rèn)識(shí)到建設(shè)金融IC卡管理系統(tǒng)是推動(dòng)應(yīng)用擴(kuò)展的基礎(chǔ),也是K分行金融IC卡業(yè)務(wù)發(fā)展的必要條件,進(jìn)而水到渠成地提出了金融IC卡管理系統(tǒng)的安全性和架構(gòu)設(shè)計(jì)方案。
[Abstract]:The financial IC card is a new safe and reliable financial payment tool promoted by our country. It is the product of the organic combination of financial services and information technology. It can greatly improve the economic and financial efficiency. According to the current development trend of financial IC card and the strength of state support, financial IC card will become the mainstream medium of consumer payment in the future. Applying the off-line flash payment function of the financial IC card to the field of industry payment is bound to expand the field of accepting the financial IC card. By making the financial IC card closely integrate with the application of the social public service field, the school, the enterprise and other industries, It can attract a large number of financial IC card users for commercial banks, can further absorb the depositing funds of industry partners, enhance the market value and social benefits of financial IC cards, and greatly enhance the market competitiveness of banks. Based on the advanced experience of financial IC card application management at home and abroad, this paper starts with the research on the current situation of financial IC card application in K branch of J Commercial Bank. Based on the systematic analysis of the business process of financial IC card, the paper puts forward the business process optimization measures, which mainly include optimizing the organization structure, optimizing the business process of campus card, optimizing the application mode. Finally, through the sufficient demand analysis, the paper draws the conclusion that the financial IC card management system can promote the development of the financial IC card business through the construction of the financial IC card management system. The design scheme of financial IC card management system with technical foresight and feasibility is put forward, which fully embodies the support function of information technology to business process optimization and business development. The topic of this paper has the characteristics of the times, and puts forward the implementation plan of the financial IC card electronic wallet in the air and the application of secondary personalization in the industry. This paper adopts the method of combining the theoretical basis with the case analysis. On the basis of fully mastering the theoretical knowledge of business process optimization, application development of financial IC card industry and IT application risk, and focusing on the application cases of campus card, bus IC card and ETC joint card, to find out the crux of the business process of financial IC card. The research process of this paper is deep layer by layer, through the detailed demand analysis, fully realize that the construction of financial IC card management system is the basis to promote the application expansion. It is also a necessary condition for the development of financial IC card business in K Branch, and then the security and architecture design scheme of financial IC card management system is put forward.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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