同城支付系统设计与实现

发布时间：2019-02-16 07:13

【摘要】：支付体系在当今社会生活中都占有十分重要得地位。稳定快捷的支付模型能够使得人们在日常活动中资金传输的更快捷,能够提高社会各种资源的周转,人民银行对于货币的宏观调控也更为直接有效。而防范金融风险具有非常重要得意义。支付体系得发展是一个复杂持续得动态过程。近年来,随着技术进步、金融融合、监管革新及需求变化,各国支付体系得发展路径主要还是受各种社会相关因素得影响,但是各个国家支付体系得发展体现出一些共同得趋势。如果想要在支付这块体系中有所发展,就必须要建立一套使各个银行间能够相互通信的平台。而这种支付平台能够把每个银行连接起来,商家只用利用这个平台就能够实现银行间的跨行转账。所以,研究如何能建立这种安全、便捷高效、平台间互转得同城支付应用系统具有非常深远的影响。论文介绍了系统开发得背景和国内跨行支付得现状并对同城支付系统得业务要求做了相关分析,详细阐述了系统需要解决得问题。通过对同城支付系统得需求分析,对系统得总体框架、业务逻辑、系统功能、数据存储等方面进行了总体设计,实现基于B/S体系架构,JAVA技术开发web页面,C++开发后台流程处理和DB2数据库管理系统结合得开发方案。系统主要有后台数据库、用户登录、支付业务、查询打印、信息管理等五个模块组成。实现了支付业务得借记管理,贷记管理,定期借记管理,定期贷记管理,撤销业务,来账手工确认功能;实现了来账打印,手工监控查询,机构信息查询,已退汇查询,定期业务明细查询;实现了查询查复管理,邮件信息管理,协议维护,手续费查询,账户管理等。该系统的各个功能模块已经实现并且达到了系统运行的需求。系统应用的开发凸显了现今社会中银行间的沟通非常必要。银行间的交流能够使系统更加扁平化。便捷的系统能够使银行的柜员在日常工作的时候更加高效,使得银行在支付业务中更高效、更系统、更科学。
[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.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52;F832.2

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