The Online Multi-banking Interbank Transfer System

Internet banking are those through electronic channels, providing retail andsmall payment products and services, banks, banking, computer technology andthe product of the combination. The main function of online banking to pay onthe Internet to provide customers with real-time settlement of funds functionis to ensure normal development of the critical e-business infrastructurefunctions.With the rapid development of e-commerce and IT technology, major domesticcommercial banks have launched their own online banking platform (hereinafterreferred to as online banking) and internet banking and third-partyorganizations (such as fund companies, securities companies, third party paymentinstitutions, etc.) systems of the Internet, along with the rapid developmentof Internet and rely on online banking 7 * 24 hours of uninterrupted operations,customers can overcome the limits of time and space, easy to use online bankingto online payment, transfer, remittance, investment financial management andother activities. With the development of Internet banking the bank counter toreduce the pressure, saved the bank operation cost, promoted the bank corecompetitiveness.Commercial banks from the current online banking systems of payment andsettlement situation, when the payee and the payer in the same bank account,the funds credited into account in real time; when the payee and the payer'saccount is not in the same bank, Bank's interbank payment network request andsubject to the payer Bank's core business systems, People's Bank of interbankpayment system, the payee account core banking systems and other systemprocessing, payment requests of the processing time, payment requests in thesystem protocol conversion between the complex and even the bank teller, manual intervention. so far can not meet the needs of customers accounts real-timesettlement.To improve cross-bank online banking to pay the requested settlementefficiency, and promote the development of internet banking, launched thePeople's Bank Internet Banking Internet applications, based on this system sothat all commercial banks internet banking system to achieve interoperability,improve online cross-bank payment clearing and other operations efficientlyhandle . This paper describes the system is generated in this context, it isa cross-bank electronic payment system of the latest and most cutting-edge.In this paper, the development of a commercial bank of China Internet bankinginterbank payment system described, focusing on the design of the system, thenetwork structure, system architecture, technology, transaction process wereanalyzed, and gives concrete realization of the system means . Given the specialnature of the banking system during the project introduced in a variety of testingmethods and means to ensure system stability and security, these methods include:multi-angle multiple rounds of functional testing, system load testing, stresstesting the system, safety testing system code and more. The System combiningthe MVC idea incorporates field-proven high-performance middleware productswith high stability, using MQ middleware for message passing between differentservices in order to shield the background; establish DSR gateway to connectto the host, complete the platform and the interaction between the host, DSRgateway to use the system effectively to ensure efficiency.In the system design and system implementation process is combining theunified modeling language described in detail the core system. The paperdescribes the deployment and evaluation results show that the general solutionof this project is feasible. This project has been put into practical operation,the system runs well.