某农村信用社手机银行系统平台的设计与实现

发布时间：2018-08-30 07:56

【摘要】：手机银行是银行等金融机构为方便其电子化使用的成功应用，是移动服务终端和货币电子化相结合的产物。同时，手机银行因其便携性、方便性等优点获得了广阔的使用群体。作为电子商务时代的产物，通过移动通信终端的手机支付系统和手机交易平台的出现与应用给现代社会产生了不可估量的影响。与此同时，该产物的出现和应用，也为将来手机银行的系统平台研究和发展，进一步奠定了基础。本文从实际出发，结合国内外有关专家和学者的研究成果，针对全球手机银行特别是我国手机银行的发展现状、趋势和问题等，进行了全面深入地研究，从而总结出手机银行系统的一般性特点，为下一步的研究奠定了基础。同时，结合以上的研究认真开展了关于多变式手机银行系统平台（FMBPS）的设想、制作和实践，取得了较好的效果。在手机银行的系统设计部分，对FMBPS的整体设计原则、系统所需实现的功能进行了整体分析和规划。在设计原则的基础上对FMBPS的兼容性、硬件构架、扩展业务和运行状态监控等进行了细致的设计。深入探讨并分析了系统实现中的核心业务、用户界面、信息接口等重要部分。进行手机银行功能的模块化、便捷化，，主要是结合电子软件开发技术，特别是目前较为流行的3G、4G等智能手机软件开发技术，进行金融服务类、投资理财类、生活助手类、银行资讯类等的模块构建。论文需要研究和解决的问题包括以下三点：第一，多变式手机银行系统平台较于其它手机平台具有兼容性，在实现兼容性方面做了大量设计。力图做到每一个用户都能找到与其适配的客户端。第二，在功能设计上考虑了基层网点少的问题，通过加密通道增加了在线咨询功能。客户无需到网点便可实现最新政策的咨询，且客户的个人信息得到保证。第三，参考其它银行客户端的界面，FMBPS的界面更加人性化、操作更流畅、安全性更高。手机银行系统成熟完善，用户使用指向明确，实现次数增加。
[Abstract]:Mobile banking is a successful application of banking and other financial institutions for the convenience of their electronic use. It is the product of the combination of mobile service terminals and currency electronization. At the same time, mobile banking has gained a wide range of users because of its portability and convenience. The emergence and application of Tonghe mobile trading platform has an inestimable impact on modern society. At the same time, the emergence and application of this product also lays a foundation for the future research and development of mobile banking system platform.
Based on the actual situation and the research results of experts and scholars at home and abroad, this paper makes a comprehensive and in-depth study on the current development situation, trends and problems of mobile banking in the world, especially in China, so as to summarize the general characteristics of mobile banking system and lay a foundation for further research. In the system design part of the mobile banking system, the overall design principle of the FMBPS and the functions that the system needs to realize are analyzed and planned. This paper discusses and analyzes the core business, user interface, information interface and other important parts in the implementation of the system. The modularization and convenience of mobile banking functions are mainly combined with electronic software development technology, especially the popular 3G, 4G and other intelligence. Mobile software development technology, financial services, investment and financial management, life assistants, bank information module construction.
The problems that need to be studied and solved include the following three points:
Firstly, the multi-mobile banking system platform is more compatible than other mobile platforms, and has done a lot of design to achieve compatibility.
Secondly, the function design considers the problem of fewer grass-roots network points, and adds online consultation function through encrypted channels. Customers can realize the latest policy consultation without visiting the network points, and their personal information is guaranteed.
Thirdly, referring to the interface of other bank clients, FMBPS interface is more humanized, more smooth operation, higher security. Mobile banking system is mature and perfect, user pointing is clear, the number of implementation increases.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52;F724.6;F832.2

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