The Technique Research On Account Information Signing In The Commercial Bank Channel Trade System

Under the development of economic globalization, the opening and competition has become the mainstream of financial development in twenty-one century, and the competition between international banks tends to be fiercer. If commercial banks want to succeed in this process and keep developing, they need speed up their financial and technological innovations to improve the core competition. As the development of financial information, the information system of commercial banks becomes more centralized. The establishing"account information signing system"signs up the isolated accounts, and provides both the linking and sharing of account information of customers and the transaction channel between banks. It develops the interaction of multi-transaction channel and strengthens the service ability of each transaction channel. We can realize the customer identification through different transaction channels and provide customers convenient and prompt account information through the signing service application system.This paper analyzes both the properties of information resource and the characteristics of various systems of commercial banks, demonstrates the operational, technical and economical feasibility to establish the"account information signing system", and forecasts and evaluates both the cost of system construction and the operational benefits. Based on the present situation of account system of commercial banks, we investigate the goal of constructing the account information signing system among commercial banks, and study the overall construction relationship, the data structure and the data storage principle among all systems. We design the counter with/without cash signing transaction, the self-service equipment signing transaction, the online bank signing transaction, and the telephone bank signing transaction in the system, and design the corresponding treatments for anomaly situations. Simultaneously, we study both the compilation principle of test cases and the analyzing methods of test results in order to build a solid foundation for software systems.