Bank Online Payment Development

This paper intends to proceed from the nature of payment, online payment through the bank's role in the activities, profit model, SWOT analysis of existing problems and made banks and other online payment development direction. Activities on the online payment through bank role, process, role analysis, SWOT analysis of the problems and banks in online payment and so on the direction of development. With the widespread use of computers, the Internet's rapid development, the development of online payment from B2B, C2C, to the certificate of payment and when the popular third-party payment, basically solved the problem of individual payments, third party payment for online transactions bring great development, but it also brings many problems.In order to meet the technology and tools development, the bank must provide the necessary services which must also avoid the risks. Through a comprehensive market analysis, business analysis, bank online payment system to the existing bank online payment platform, to achieve customer, bank and third party payment real-time, comprehensive information and effective risk control online payment mode. In this thesis, the development of online payment, market analysis and online payment systems for banks by a bank online payment needs analysis architecture design, while the development of online payment problems and development trends for the exploratory study. The main contents are:Introduced the concept of payment and electronic payment, online payment and online payment market development analysis, on the basis of an online payment system on the architecture, then on-line payment through case studies of banks and the relationship of third-party payment platform, the role of banks in online payment, risk analysis and measures; and bank online payment for the SWOT analysis, online payment system, different objects involved in the different business processes are analyzed and explained the process to achieve its business. Including: application design, business function design, B2C payment process design, payment platform settlement; proposed the development of online payment.