统一支付平台对关联支付系统的整合实践

发布时间：2018-02-10 17:57

本文关键词： 银行二代支付系统支付平台自动汇兑路由　出处：《天津大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国社会经济快速发展，金融改革继续深入，，金融市场日益完善，支付方式也不断创新，对支付清算服务提出了更多、更新、更高的要求。2009年，作为中国支付体系核心和枢纽建设和管理者的中国人民银行，针对当前及今后一段时期社会经济金融发展对中央银行支付系统的新需求，结合支付系统运行的生命周期和正在建设永久灾备系统的实际，决定在第一代支付系统成功建设的基础上，借鉴吸收，与时俱进，抓紧建设功能更加完善、更加安全高效的第二代支付系统。国内地方人行、支付宝、财付通等也逐步推进区域内同城支付和电子支付结算，因此国内商业银行支付结算类应用系统会逐步增多。包商银行在经过对行内现状的分析后，以建设第二代支付系统为契机，以大额支付系统、小额支付系统等应用系统为主导，整合行内现有支付类系统，为本行打造统一支付平台，以应对支付业务各种联网的需要和业务发展的需求。本文的研究重点如下：（1）充分了解包商银行的发展战略和业务现状，建设统一支付平台，实现与行内各系统紧密契合，与行内业务流程完美整合，并能为包商银行未来发展提供技术支撑、业务支撑。（2）基于OSGi框架规范，自动汇兑路由需求，服务定制化的组件开发配置管理模式，实现支付系统高度模块化，方便扩展与升级；有助于实现业务流程的分解、整合、升级，符合未来系统建设主流方向。（3）完备的基础服务组件，系统管理、监控服务；强大的技术平台/业务平台支持，为支付系统整合提供技术/业务准备。（4）快捷、方便的交易开发平台，丰富的标准化交易原型库，简化交易开发流程，并提高交易的稳定性。（5）提供与各业务系统简洁、高效的数据接口定义，兼容各主流的通讯方式、报文组织方式。
[Abstract]:With the rapid development of China's social economy, the deepening of financial reform, the improvement of financial markets and the continuous innovation of payment methods, more, newer and higher requirements have been put forward for payment settlement services. In 2009, The people's Bank of China, as the core and key construction and manager of China's payment system, aims at the new demand for the payment system of the Central Bank for the current and future social economic and financial development. Combining the life cycle of the operation of the payment system and the reality of the permanent disaster preparedness system under construction, it is decided that on the basis of the successful construction of the first generation of payment system, we should draw lessons from it, keep pace with the times, and grasp the construction function to be more perfect. More secure and efficient second generation payment system. Local people's Bank of China, Alipay, Tenpay and so on also gradually promote the same city payment and electronic payment settlement in the region, so the application system of payment and settlement of domestic commercial bank will be increased step by step. After analyzing the present situation in the industry, the contractor bank takes the construction of the second generation payment system as an opportunity, and takes the large value payment system, small payment system and other application systems as the dominant ones to integrate the existing payment systems in the industry. To create a unified payment platform for the Bank to meet the needs of various payment services networking and business development needs. The research focus of this paper is as follows:. 1) fully understand the development strategy and business status of the contractor bank, build a unified payment platform, and realize close integration with the system in the industry, perfect integration with the business process in the industry, and provide technical support and business support for the future development of the contractor bank. Based on the OSGi framework specification, automatic exchange routing requirements, service customization, component development configuration management mode, to achieve a high degree of modularization payment system, easy to expand and upgrade, help to achieve business process decomposition, integration, upgrade, In line with the future system construction mainstream direction. 3) complete basic service components, system management, monitoring services, strong technical platform / business platform support to provide technical / business preparation for payment system integration. Fast and convenient trading development platform, rich standardized transaction prototype library, simplified transaction development process and improved transaction stability. 5) providing simple and efficient data interface definition with various business systems, compatible with the mainstream communication mode and message organization mode.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F724.6;TP311.52

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