本文選題：客戶備付金　切入點(diǎn)：存管　出處：《太原理工大學(xué)》2014年碩士論文

【摘要】：截止2014年2月,獲得第三方支付牌照的達(dá)到250家,為了防止第三方支付機(jī)構(gòu)非法挪用客戶備付金,保障客戶資金的安全,借鑒證券行業(yè)的客戶交易結(jié)算資金存管模式,對(duì)第三方支付機(jī)構(gòu)內(nèi)的客戶備付金也進(jìn)行存管,同時(shí)在2013年6月央行出臺(tái)的《支付機(jī)構(gòu)客戶備付金存管辦法》對(duì)備付金存管的業(yè)務(wù)進(jìn)行了詳細(xì)的規(guī)定與說(shuō)明。 本文主要介紹了課題研究的背景,包括第三方支付機(jī)構(gòu)的發(fā)展歷程、發(fā)展現(xiàn)狀、第三方支付機(jī)構(gòu)行業(yè)的特點(diǎn)以及第三方支付機(jī)構(gòu)所面臨的監(jiān)管等方面的問(wèn)題；對(duì)銀行卡支付業(yè)務(wù)目前國(guó)內(nèi)的現(xiàn)狀、銀行卡收單系統(tǒng)的業(yè)務(wù)流程、存管業(yè)務(wù)的由來(lái)與發(fā)展做簡(jiǎn)單介紹同時(shí)探討客戶備付金存管系統(tǒng)開發(fā)的意義與目的。 為了保證客戶備付金系統(tǒng)的安全,對(duì)管理員登錄密碼的保存、報(bào)文的關(guān)鍵字段的校驗(yàn)使用MD5進(jìn)行信息摘要提取。對(duì)于通信時(shí)的批量文件,其中的關(guān)鍵字則采用DES加密算法進(jìn)行加密。對(duì)系統(tǒng)中采用的安全算法MD5、 DES的加密結(jié)構(gòu)進(jìn)行簡(jiǎn)要敘述,分析這兩種算法在安全性方面存在的問(wèn)題、易受到的攻擊方法,并據(jù)此提出相應(yīng)的改進(jìn)措施,形成有針對(duì)性的防范攻擊的算法,從而保證系統(tǒng)的安全。 根據(jù)央行出臺(tái)的備付金存管系統(tǒng)的辦法的相關(guān)規(guī)定以及該系統(tǒng)的業(yè)務(wù),對(duì)系統(tǒng)進(jìn)行進(jìn)一步的研究與分析,明確系統(tǒng)在功能與非功能方面的需求。根據(jù)系統(tǒng)的分析和安全算法的研究,對(duì)系統(tǒng)進(jìn)行的詳細(xì)設(shè)計(jì),從系統(tǒng)的部署、邏輯視圖進(jìn)行總體結(jié)構(gòu)的設(shè)計(jì),對(duì)系統(tǒng)的功能性模塊也進(jìn)行詳細(xì)的設(shè)計(jì)說(shuō)明,重點(diǎn)介紹接口通信、安全等方面的設(shè)計(jì)與實(shí)現(xiàn)。最終形成完善的、安全的備付金存管系統(tǒng)。
[Abstract]:As of February 2014, 250 third party payment licenses have been obtained. In order to prevent third-party payment organizations from illegally misappropriating customer reserve funds and to ensure the security of customer funds, the securities industry's customer transaction settlement fund management model is used for reference.At the same time, in June 2013, the central bank issued the "procedures for the depository management of customer reserve of payment institutions" to carry out detailed regulations and instructions on the business of reserve deposit management.This paper mainly introduces the background of the research, including the development of third-party payment institutions, the development of the status quo, the characteristics of third-party payment organizations industry and the supervision of third-party payment institutions.This paper briefly introduces the present domestic situation of bank card payment business, the business process of bank card receipt and order system, the origin and development of deposit management business, and probes into the significance and purpose of the development of customer standby deposit management system.In order to ensure the security of the customer's reserve system, the administrator's login password is saved, and the key fields of the message are checked using MD5 to extract the information summary.For batch files, the keywords are encrypted by DES encryption algorithm.This paper briefly describes the encryption structure of the security algorithms MD5 and DES used in the system, analyzes the security problems and vulnerable attack methods of the two algorithms, and puts forward corresponding improvement measures.Form a targeted algorithm to prevent attacks, so as to ensure the security of the system.According to the relevant regulations of the system and the business of the system, this paper makes further research and analysis on the system, and clarifies the functional and non-functional requirements of the system.According to the analysis of the system and the research of the security algorithm, the detailed design of the system is carried out, the overall structure of the system is designed from the system deployment, the logic view, the functional module of the system is also described in detail, and the interface communication is emphasized.Design and implementation of safety and other aspects.Finally, a sound, safe reserve management system is formed.
【學(xué)位授予單位】：太原理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：TN918.4

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本文編號(hào)：1723966