J商业银行K分行的金融IC卡应用研究

发布时间：2018-02-23 17:19

本文关键词： 金融IC卡业务流程优化行业应用拓展管理系统　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：金融IC卡是我国主推的新型安全可靠的金融支付工具,是金融服务与信息技术有机结合的产物,可大幅提高经济金融效率,节约社会成本。以金融IC卡当前的发展趋势和国家支持力度来看,金融IC卡将成为今后消费支付的主流介质。积极推广金融IC卡行业应用拓展项目,将金融IC卡的脱机闪付功能应用到行业支付领域,势必会拓展金融IC卡的受理领域。通过使金融IC卡与社会公共服务领域、学校、企业等行业应用密切结合,可以为商业银行吸引大量的金融IC卡用户,可以进一步吸收行业合作方的沉淀资金,增进金融IC卡的市场价值和社会效益,从而大幅提升银行的市场竞争力。本文结合国内外在金融IC卡应用管理方面的先进经验,从研究J商业银行K分行的金融IC卡应用现状入手,在对金融IC卡业务流程进行系统分析的基础上提出了业务流程优化措施,主要包括优化组织架构、优化校园一卡通业务流程、优化应用模式、打造差异化产品和优化制卡流程。最后,通过充分地需求分析,本文得出了通过金融IC卡管理系统建设来促进金融IC卡业务发展的结论,并提出了具有技术前瞻性和可行性的金融IC卡管理系统设计方案,充分体现了信息技术对业务流程优化和业务发展的支撑作用。本文的选题颇具时代特色,创新地提出了金融IC卡电子钱包空中圈存和行业应用二次个人化等实施方案。本文采用理论基础与案例分析相结合的方法,在充分掌握业务流程优化、金融IC卡行业应用拓展和IT应用风险等理论知识的基础上,重点结合校园一卡通、公交IC卡和ETC联名卡的应用案例,找到金融IC卡业务流程的症结,再有针对性地制定了业务流程优化措施。本文的研究过程层层深入,通过细致地需求分析,充分认识到建设金融IC卡管理系统是推动应用扩展的基础,也是K分行金融IC卡业务发展的必要条件,进而水到渠成地提出了金融IC卡管理系统的安全性和架构设计方案。
[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.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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