The Design And Implementation Of Mobile Banking System For City Commercial Bank

In recent years,along with the progress of China's financial industry,commercial banks in different cities in China are rapidly developing,and the actual development stage of city commercial banks has gradually leaked many risk maintenance issues.Mobile phone users can use terminal devices to conduct banking transactions through the mobile banking system.The mobile banking can provide autonomous financing services for bank users,facilitating transactions at any time,and improving the flexibility of bank business processing.Therefore,a convenient,fast and secure mobile banking system has become the current need for the development of city commercial banks.The Mobile Banking System of City Commercial Bank is mainly developed on Andriod platform.The system complies with API/Services in the development process to bring convenience to mobile phone users,ensuring that the system can complete docking with other peripheral systems.With the Andriod platform technology,the Mobile Banking System of City Commercial Bank is divided into four layers,application layer,business layer,framework layer,and kernel layer.The database of the mobile banking system is SQLite.The Mobile Banking System of City Commercial Bank has implemented seven major modules,including active collection,QR code collection and payment,official card,financial product,fund supermarket,appointment service,and recharge payment.Active collection contains my collection,my payment,AA collection,AA payment,collection and payment inquiry.QR code collection and payment contains sweeping payment,sweeping collection,QR code of payment,QR code of collection,collection account management,transaction inquiry,and QR code business card.Official card contains quota information query,official card activation,billing inquiry,unsettled bill inquiry,integral query,official card repayment management,query password reset,query password modification,official card installment,and maintenance of official card billing address.Financial product contains financial product supermarkets,my financial product,transaction history query and financial risk assessment.Fund supermarket contains fund purchase or fixed investment,my holding fund,my fixed investment,my concerned fund,fund commission withdrawal,fund transaction record,TA account management,risk rating assessment,and fund service contracting.Appointment service contains wholesale fund appointment and queuing appointment.Recharge payment contains China Mobile payment,China Unicom payment,China Telecom payment,electricity bill payment,water fee payment,gas fee payment,heating fee payment,cable TV fee payment,common payment and payment query.The deployment and application of Mobile Banking System of City Commercial Bank can complete the mutual integration of information from different channels,can ensure the convenience of users,can achieve the goal of unified channels of e-banking,and can bring convenient and fast e-banking services to mobile users.It changes the traditional banking system into a unified banking operating platform that can provide data processing and business logic.