论文标题:商业银行小额支付系统的研究和实现
The Research and Realization of Bulk Electronic Payment System in Domestic Banks
论文作者
论文导师 李文辉,论文学位 硕士,论文专业 软件工程
论文单位 吉林大学,点击次数 102,论文页数 99页File Size3457K
2007-09-30论文网 http://www.lw23.com/lunwen_72917772/
商业银行小额支付系统(下称小额支付系统)是处理异地或同城商业银行跨行之间支付业务的系统,是中国人民银行现代化支付系统(下称现代化支付系统)商业银行端的支付业务处理系统,也是我国现代化支付清算体系的一个重要组成部分。小额支付系统在商业银行的应用与推广,大大提高商业银行之间的资金清算效率,有效满足了国民经济金融发展的要求,同时也是我国支付结算体系发展史上的一个重要里程碑。商业银行小额支付系统的稳定运行,对国民经济的发展有着重大意义。 论文阐述了商业银行端小额支付系统开发背景、系统功能范畴分析、系统架构设计与实现、未来发展方向。商业银行端小额支付系统根据人民银行现代化支付系统制定的实施方案与接口连接方案,结合商业银行自身的资金清算机制,依托商业银行本身的核心银行主机系统、中间业务平台系统、新终端平台实现了跨商业银行之间的交易业务处理,可为相关的工程实施提供参考。 商业银行小额支付系统通过自身的服务体系为客户提供金融服务行使着现代化支付系统下层职能,是我国现代化支付清算体系的一个重要组成部分。它的实施与应用使得现代化支付系统成为一个高效、稳定、可靠的资金清算平台,大大满足了现代金融业务的发展需要。
Bulk Electronic Payment System-BEPS is one of the important application systems in Chinese modernized payment systems. It deals mainly with credit payment operations, debit payment operations and proposition Liquidation, which has amount limitation required by Central Bank, Treasury, the state commercial banks, joint-equity commercial banks, Credit Cooperative in both urban and rural areas and other authorized non-bank financial institutions.BEPS, which works for commercial bank payment business as part of Bulk Electronic Payment of People"s Bank of China ,has supplied a payment and clearing platform that supports small-amount inter-bank credit payment operations and debit payment operations for banks, Enterprises ,institutions and individuals, the platform supports all kinds of payment tools, provides a low cost, large amount payment service for our society. Mean while, BEPS can corporate with authorized payment organizations, provides them payment and information forwarding service and promotes/boosts them healthy development (develop rapidly and healthily). By this mean, BEPS can improve our Financial Industry Service Level, which make the significant sense to the development of our economy has a great meaning for our economy development. Over the past 20 years, People"s Bank of China has been trying to establish a modernized payment system for Chinese banking industry. The successful popularization of High Value Payment System-HVPS and China UnionPay, is one of the great successes in modern payment architecture construction. But HVPS and UnionPay have their own scope limitation. In one hand, HVPS can only deals with only one business at a time, so it costs high to run, and what"s more, it has amount limitation, on the other hand, UnionPay can only deal with card business. So, a lot of Bulk payment, such as inter-bank transfer, inter-bank Universal cash saving and withdrawing, because of low single amount and cash account business, both the two system can not totally transact these business. When the demand for the BEPS is on the rise, the BEPS is imperative under the situation. Under the case of the BEPS construction project of one large commercial bank in homeland, this paper studies and solves all kinds of problems in the construction process. Those study fruits have practiced in production, and have received great success. This paper first introduces the function, technology, background in homeland commercial bank of BEPS in the second and third chapter, and then studies the difficult problems of BEPS, and raises solutions at last. Those solutions aim at providing valuable technology references for the practices of commercial banks in the homeland. They include aspects as below: First of all, we studied the functions of BEPS, and combined with the requirements of commercial bank, compartmentalize the architecture of the system. This study have established a solid foundation for the development of commercial bank BEPS. Secondly, we studied the proposition liquidation features of BEPS, and combined with the features of commercial bank"s core proposition Liquidation features, we have concluded the proposition Liquidation methods of commercial bank BEPS, which can solve the non-match problem between BEPS of People"s Bank of China and proposition liquidations of commercial banks, establish the foundation for the design of commercial bank"s BEPS. Thirdly, we studied the interface solution of Prime machine of People"s Bank of China, on which we based, we designed the interface solution of Prime machine between People"s Bank of China and commercial banks, provide a method for commercial bank to connect directly with BEPS of People"s Bank of China. Fourthly, through studying the features and requirement of BEPS thoroughly, we summarized the technical requirement about sending and receiving messages of BEPS, largely reduce the complexity of new development project, and finally make the development of new business easy, high efficient and quick, which sustain module design. Fifthly, we studied the discrepancies and mistakes that happen while commercial system interacts with system of People"s Bank of China, and raised effective solutions, including sending and receiving message, communication mistake, failure to call interface and so on. We can solve those problems through account verification mechanism and related running maintenance mechanism. At Last, through the investigations on BEPS of commercial bank and the analysis for functions and design of BEPS, we concluded the method of how to build BEPS for commercial banks, which can be refer in building similar project. In the upcoming five chapters, base on case of BEPS building for large commercial banks, author studied the practical applications of homeland commercial banks. This chapter mainly introduces the general situations about the system design, including architecture of BEPS, logical design architecture and function sketch. In the sixth chapter, we analyzed the running situations of BEPS in homeland banks, and summarize the future of the BEPS, once more emphasize its importance for the payment system of People"s Bank of China. In a word, as a significant part of modern payment system of People"s Bank of China, BEPS worth of studying and researching by all of our commercial banks. Bases on scientific theories, uses advanced computer technologies, combines with the study fruits and practice experiences, this paper studies in depth the problem of BEPS, and raises some effective improve method, it can provide valuable references for the practicing of the same kind projects.
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