Design And Implementation Of The System Of Bank And Power Supply Enterprise Network Based On Intermediary Services Platform

With China's rapid economic development, the continued improvement of the standard of living for both urban and rural residents, and the deepening of financial sector reforms, competition among commercial banks is increasingly fierce. To hold position in the fiercely competitive market, banks cannot rely solely on their own financial strength, but must be able to provide customers with more convenient and efficient services. Based on this, banking intermediate businesses appeared and are becoming important in modern banking operations and development.There has been a rapid development of information technology associated with this intermediate business. Take the Bank of Communications for example. The original intermediate business volume transaction processing system is the main way of data exchange via file transfer implementation. The varieties of intermediate business that can be achieved are limited, mainly confined to direct deposit of wages, and to bulk collection fees. Strong real-time transactions, in which data is updated frequently in the middle of the business, can not be achieved, limiting business development departments in the face of real-time business processing requirements. For each realization of intermediate business, such as payment of insurance premiums, payment of calls, phone banking, and with the increased demand for such, technical staff for targeted development needs to set up a dedicated project team, because it is based on the core banking system development, so the code can not be independent. A long development cycle, high operating costs, poor system reliability, and low maintainability, could easily cause damage especially for the core business systems or the existing business. To achieve a variety of intermediate business types, a variety of ways in commercial banking transactions flexibly designed and implemented independent of the core banking system, an interface business platform is imperative. This paper discusses the banking intermediate business platform, based on the above ideas, specifically developed in order to solve practical problems. We want to establish a business processing platform for both batch business process and real-time transactions, separate from the bank accounts background processing system, and front counter system. By this new platform we can meet the needs of a new variety of intermediate business.In this paper, an intermediate business banking platform can assist any business transactions. Generally speaking, intermediate business transactions need a third party unit, bank counter and electronic channels (self-service equipment, telephone banking, Internet banking, phone banking, etc.), a banking intermediate business processing platform, and bank accounts background processing systems. In this four part implementation, intermediate business platform has played a central hub role. Customers at the banking counter and electronic channels launched in the middle of business transactions are generally handled through the following stages:1. Information gathering stage. Customer in accordance with the information provided by the banks to provide relevant input data interface (such as agent, the name, agency number, personal name, bank account number, account password, and payment of the amount of payment of date, etc.), through self-help methods or artificial way of Information input to the bank's information systems. Customer will enter information (such as agent, the name, agency number, personal name, bank account number, account password, and payment of the amount of payment of date, etc.) in accordance with the relevant data input interface provided by the banks.2. Information validation phase. Bank receives the information broadly divided into two parts: First, the bank data and information (such as agent, the name, personal name, bank account number, bank passwords, etc.) need to be submitted to the bank for the correctness of the background verification; Second, agent information (such as the agency number, name, payment of the amount of payment of date, etc.) need to be submitted for verification of units to third-party verification. Then there must be an intermediate business platform to trade forward.3. Transaction commit phase. After validation of the information (bank data, agent, information ) is correct, the counter or electronic channels will trade information extraction, packing, encryption. Then they will follow the bank accounts of the background processing system and third-party requests for packet format submitted to third party units, and submit.4. Post-trade processing stages. After treatment, the transaction information (such as the successful completion or failure of payment) will backtrack the path of submission to the counter and electronic channels, from the bank's core business processing systems and third-party units. At this time information is returned to the trading customer regarding the success of the transaction, and provides print-related payment credentials for the teller or customer screen printing, as the transaction has been completed. Through the above description of the transaction stages, we can see that this article discusses the intermediate business platform as a central processing unit, which shares bank counter and electronic channels, which reduces the system pressure, while keeping the bank's various systems and third-party units in isolation, to improve safety. Not only that, due to the independence of the intermediate business platform from the bank counter and electronic channels, and the bank accounts background processing system, it can not interfere with the normal banking transactions (such as the savings business of the public business, international business). Arbitrary and Third-party data exchange unit is greatly enhanced with third-party units in a data connection. The interface between business flexibility and processing real-time transaction processing efficiency, such as line connection can be established to facilitate the conduct of bulk accounts, batch payment, checking accounts and other processing.This article uses one interconnection system (pay from bank account of electricity fee), to show commercial banks processing operations, focusing on intermediate business platform, the system features, network architecture, system architecture and specific design ideas, and gives the system design of important business processes and sub-module design. At the same time it was clear that the composition of intermediate business platform, including core control module, processing module message format, transaction control module, system management module and the core business system interface module has five parts: the core control module using inter-process calls, queue processing, dynamic link libraries, etc., to achieve a different agent, the bank counter upload information parallel processing; message format processing module using the database table to customize the packing or unpacking of the different packets, while achieving the middle business platform with third-party agent; transaction control module for different agency transactions, and business logic processing; system management module to realize agent, information, personal information, and the transaction interface definition processing; core business system interface module in accordance with core banking system, the format required by the definition of the background, transaction definitions, security model for data processing, will meet the requirements of the transaction packet to submit to the back.Through the effective operation of division of labor among the bank counter and electronic channels and bank accounts background processing system, an intermediate business platform, and third-party units, banks can better serve customers and third-party units in service. Banks can facilitate client service while at the same time increasing customer contact opportunity, which will provide a further depth of the potential customers to tap, thus improving their competitiveness in the industry. Increasing the overall efficiency of banks has a very positive sense.