商业银行电子清分服务平台直联系统设计与实现

发布时间：2018-04-22 19:36

本文选题：银行 + 支付　；参考：《天津大学》2016年硕士论文

【摘要】：北京市作为首都和政治经济中心,在确保国家政策贯彻落实,融通全社会资金等方面具有重要的意义和作用。但是,受限于运行时间和资金交易金额限制,北京市支付清算体系通过现有支付系统无法提供全时、全天侯的资金清算服务,无法完全满足政策性资金,抗震救灾,银行间融通资金等应急资金调拨的需要,迫切需要增加符合首都金融特色的资金清算渠道,满足可供灵活选择,适应首都资金清算要求,更加安全、便捷、高效清算汇路和支付渠道的迫切需求。因此北京人民银行营业管理部决定建立“北京市电子清分服务平台”。为此,我行依托人民银行营业管理部的需求,基于统一支付平台的理念,构建具有我行特色的直联接入前置系统,实现我行现有业务系统与清分平台的无缝式衔接。业务方面主要包括支付结算类业务、公共支付类业务以及信息类业务。技术方面则要实现基于SOA的松耦合化体系架构,服务定制化的组件开发配置管理模式,直联接入前置系统实现模块化设计,方便扩展、升级、部署、维护,提供便捷高效的交易开发平台,丰富的标准化原子交易构件库,简化交易开发流程,提供报文转化解析模块,实现与行内各系统间的通信。本论文研究具备如下几个主要创新点。第一,本文针对现有支付系统与直联接入前置系统的差异进行了总结分析,梳理了直联接入前置系统中常用业务流程,并对相应功能模块的设计与实现思路进行了阐述。第二,本文对支付清算类系统建设过程中的关键环节(如:数据库设计、逻辑架构、网络拓扑、报文格式转换设计等)进行了剖析和总结,可为后续研究者提供参考。第三,本系统是基于支付平台理念进行的架构设计,因此针对稳定性、性能、多种格式报文的支持、二次开发、灵活部署等在技术层面给予了充分考虑,可作为后续真正的统一支付平台建设提供实践依据。
[Abstract]:Beijing, as the capital and political and economic center, plays an important role in ensuring the implementation of national policies and the financing of the whole society. However, limited by the operating time and the amount of funds traded, the Beijing Municipal payment and settlement system, through the existing payment system, cannot provide full-time, round-the-clock fund clearing services, can not fully meet the policy funds, and will not be able to resist the earthquake and provide disaster relief. The need for the allocation of emergency funds, such as inter-bank financing funds, urgently needs to increase the channels of fund clearing in line with the capital's financial characteristics, to meet the flexible options available, and to adapt to the capital's capital fund liquidation requirements, so as to make it safer and more convenient. The urgent need for efficient clearing of confluence routes and payment channels. Therefore, the people's Bank of Beijing Business Management Department decided to establish the "Beijing electronic sorting service platform." Therefore, relying on the needs of the people's Bank of China's Business Management Department, and based on the concept of unified payment platform, we construct a direct connection leading system with the characteristics of our bank, and realize the seamless connection between our existing business system and the clearing platform. Business mainly includes payment and settlement business, public payment business and information business. On the technical side, we should realize the loose coupling architecture based on SOA, the component development configuration management mode based on service customization, the modular design of direct access leading system, and the convenience of extending, upgrading, deploying and maintaining. It provides a convenient and efficient transaction development platform, a rich standardized atomic transaction component library, simplifies the transaction development process, provides a message transformation and analysis module, and realizes the communication with the systems in the line. This paper has the following main innovation points. First, this paper summarizes and analyzes the differences between the existing payment system and the direct access front system, combs the common business processes in the direct access front system, and expounds the design and implementation of the corresponding functional modules. Secondly, this paper analyzes and summarizes the key links (such as database design, logical architecture, network topology, message format conversion design, etc.) in the process of building payment and clearing system, which can be used as a reference for future researchers. Third, the system is based on the concept of payment platform architecture design, so stability, performance, multi-format message support, secondary development, flexible deployment and other in the technical level to give full consideration, It can be used as a practical basis for the construction of a real unified payment platform.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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