金融IC卡系统的设计与实现
发布时间：2019-01-18 06:46
【摘要】：随着社会进步，人们生活节奏不断加快，在日常生活及经济活动过程中，对快速金融结算、支付、认证等服务需求呈现爆发式增长；同时，对交易便捷、安全性要求达到了前所未有的高度；在此背景下，安全、高效的小额支付应用需求在各地区、各行业领域应运而生，，并呈现出快速发展的势头，在很大程度上会削弱或替代“现金”的支付功能；为满足这类需求，从社会经济、金融体系、支付结算体系等都将做重大调整和改变，会逐步形成新的金融秩序，各家银行不能将自己排除在新的金融秩序之外。 发行金融IC卡对银行来讲，是势在必行的。根据央行时间表，自2010年7月1日起，新投放的POS和ATM终端应具备金融IC卡受理功能；存量直联POS终端应在2010年年底完成金融IC卡受理改造；存量间联POS终端应在2011年年底完成金融IC卡受理改造；ATM终端和非现金终端应在2012年年底前完成金融IC卡受理改造。到2015年，所有银行卡将全面发行银联PBOC2.0标准的金融IC卡。 本论文在综述了现有金融IC卡系统的结构、使用等特点的基础上，使用mvc的架构来开发金融IC卡的应用系统，力图构建一种安全、实用的金融IC卡使用环境。
[Abstract]:With the progress of society, the rhythm of people's life is quickening. In the process of daily life and economic activities, the demand for fast financial settlement, payment, certification and other services has exploded. At the same time, the transaction is convenient, the security requirements have reached an unprecedented height; In this context, the demand for safe and efficient micro-payment applications in various regions, industries and fields came into being, and showed the momentum of rapid development, to a large extent will weaken or replace the "cash" payment function; In order to meet this kind of demand, the social economy, the financial system, the payment and settlement system will all make the important adjustment and the change, will form the new financial order step by step, each bank cannot exclude oneself in the new financial order outside. The issue of financial IC card for banks, is imperative. According to the schedule of the central bank, from July 1, 2010, the newly launched POS and ATM terminals should have the function of accepting financial IC cards, and the stock direct connection POS terminals should complete the financial IC card acceptance and transformation by the end of 2010. The interstock POS terminal should complete the financial IC card acceptance and transformation by the end of 2011, and the ATM terminal and the non-cash terminal should complete the financial IC card acceptance transformation by the end of 2012. By 2015, all bank cards will be fully issued UnionPay PBOC2.0 standard financial IC card. On the basis of summarizing the structure and usage of the current financial IC card system, this paper uses the mvc architecture to develop the financial IC card application system, and tries to build a safe and practical environment for the use of the financial IC card.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP311.52;F832.2
[Abstract]:With the progress of society, the rhythm of people's life is quickening. In the process of daily life and economic activities, the demand for fast financial settlement, payment, certification and other services has exploded. At the same time, the transaction is convenient, the security requirements have reached an unprecedented height; In this context, the demand for safe and efficient micro-payment applications in various regions, industries and fields came into being, and showed the momentum of rapid development, to a large extent will weaken or replace the "cash" payment function; In order to meet this kind of demand, the social economy, the financial system, the payment and settlement system will all make the important adjustment and the change, will form the new financial order step by step, each bank cannot exclude oneself in the new financial order outside. The issue of financial IC card for banks, is imperative. According to the schedule of the central bank, from July 1, 2010, the newly launched POS and ATM terminals should have the function of accepting financial IC cards, and the stock direct connection POS terminals should complete the financial IC card acceptance and transformation by the end of 2010. The interstock POS terminal should complete the financial IC card acceptance and transformation by the end of 2011, and the ATM terminal and the non-cash terminal should complete the financial IC card acceptance transformation by the end of 2012. By 2015, all bank cards will be fully issued UnionPay PBOC2.0 standard financial IC card. On the basis of summarizing the structure and usage of the current financial IC card system, this paper uses the mvc architecture to develop the financial IC card application system, and tries to build a safe and practical environment for the use of the financial IC card.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP311.52;F832.2
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