金融IC卡—数据准备子系统设计与实现

发布时间：2018-04-29 04:20

本文选题：IC卡 + 金融IC卡　；参考：《西安电子科技大学》2015年硕士论文

【摘要】：商业银行已经发行了大量的磁条卡,这些卡片的信息通过对称密钥的方式进行数据加密,密钥简单,加密算法简单,很容易被破解;磁条卡的读卡工具、写卡工具在市场是也大量存在,购买便宜便捷;基于以上两点,现在磁条卡的破解、复制犯罪率越来越高,借鉴国外金融卡制卡的先进经验,我们必须发行金融IC卡。人民银行对各家商业银行提出要求,在2015年1月逐步停发磁条卡,全面发行金融IC卡。本文从商业银行发行金融IC卡的实际工作需要出发,系统地进行了可行性研究、需求分析、系统设计实现、功能测试和性能测试等工作。前期准备阶段查阅了大量与金融IC卡文献资料,并对国内外最新的研究成果进行了仔细了解。需求分析阶段进行了充分的业务需求收集和分析,与行方业务人员共同完成了可行性分析报告和软件需求规格说明书,并通过行里业务部门的严格评审。通过对业务需求的详细阐述和分析,给出了系统的功能需求用例图,并进行了数据建模,生成了E-R模型图;给出了系统总体设计及各主要功能模块的详细设计和实现,包括模板参数配置管理、制卡申请管理、制卡数据管理、制卡数据安全检测、制卡发卡管理等。对每个功能模块的重点交易给出了相应测试方案,对其功能和性能进行了测试。系统的最大特色是服务的插件化和标准化,这是系统设计阶段的重点工作,也是我们的设计原则。在服务插件化和标准化设计原则下建立的金融IC卡数据准备子系统的基于统一规划、统一管理,以确保整个系统的各种软件、硬件均符合相关的国际标准、国内标准,保证业务、功能的统一化和标准化,从而达到服务的规范化和管理的高效性。系统提供的业务功能完善,覆盖整个金融IC卡生命周期,操作简洁高效。金融IC卡数据准备子系统的开发标准遵循了人民银行PBOC3.0最新标准,最大限度地满足了西安银行的金融需求(金融应用)。在制卡数据模板方面,系统进行了充分预留,为后期卡片的数据扩展提供了良好的扩展支持。参考国际最新研究状况,自有算法(例如:国密算法)和行业应用(例如:公交、电费、智能园区卡、地铁等)是未来金融IC卡行业应用发展的新趋势,后期可以进行一步向这两个方向课题的研究,持续优化升级数据准备子系统。商业银行科技部门会在以上两个方向上不断开发研究,不断更新行业应用,改善消费者的用户体验,让自身的产品更加具有竞争力。
[Abstract]:Commercial banks have issued a large number of magnetic stripe cards. The information of these cards is encrypted by a symmetric key. The key is simple, the encryption algorithm is simple, and it is easy to crack. Card writing tools in the market is also a large number of cheap and convenient to buy; based on the above two points, now the magnetic stripe card cracking, copying crime rate is higher and higher, learn from the advanced experience of foreign financial card printing, we must issue financial IC card. The people's Bank of China has asked commercial banks to stop issuing magnetic stripe cards and issue financial IC cards in January 2015. In this paper, the feasibility study, requirement analysis, system design and implementation, function test and performance test are carried out in order to meet the practical needs of commercial banks in issuing financial IC cards. In the early preparation stage, a great deal of literature about IC card and financial IC card were consulted, and the latest research results at home and abroad were carefully understood. The requirement analysis stage carries on the full business requirement collection and analysis, and completes the feasibility analysis report and the software requirement specification together with the bank staff, and passes the strict review of the business department in the line of business. Through the detailed description and analysis of the business requirements, the function requirement use case diagram of the system is given, and the data modeling is carried out, the E-R model diagram is generated, the overall design of the system and the detailed design and implementation of the main functional modules are given. Including template parameter configuration management, business card printing application management, business card printing data management, business card printing data security detection, business card printing management and so on. The test scheme of each function module is given, and its function and performance are tested. The most important feature of the system is the service plug-in and standardization, which is the key work of the system design phase and our design principle. The financial IC card data preparation subsystem established under the principles of service plug-in and standardized design is based on unified planning and unified management to ensure that all kinds of software and hardware of the whole system conform to relevant international standards and domestic standards. Ensure the unification and standardization of business and function, so as to achieve the standardization of service and the efficiency of management. The system provides perfect business function, covering the whole life cycle of financial IC card, simple and efficient operation. The development standard of the financial IC card data preparation subsystem conforms to the latest PBOC3.0 standard of the people's Bank of China and meets the financial needs of Xi'an Bank to the maximum extent. In the business card printing data template, the system fully reserved for the later card data expansion provided a good extension support. Referring to the latest research situation in the world, our own algorithms (for example, Guoci algorithm) and industry applications (such as bus, electricity, smart park card, subway, etc.) are the new trends in the application of financial IC card industry in the future. In the later stage, we can carry out the research in these two directions, and continuously optimize the upgrade data preparation subsystem. Commercial bank science and technology departments will continue to develop research in the above two directions, constantly update industry applications, improve the consumer's user experience, and make their products more competitive.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TN409;TP309

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