Based On The Bank's Core Accounting System To Build Lending Remember One Bank Card

With the rapid development of electronization in financial industry, the bank cards have gradually replaced traditional deposit receipt to be the main products of individual finance. On the other hand, the gap of financing and consuming concept of individual electronic payment products between the west and east does exist. It leads two totally different product lines which contain credit card and debit card. This trend not only inhibits the further development of bank card business itself, but directly causes the relevant supporting systems to be more complex and redundant as well.The first part of the article analyzes the core banking system group of commercial banks which supports the debit card product, focusing on the advantages and disadvantages of its software and hardware architecture, especially its accounting module, concluding an accounting model which simulates the consuming actions of debit card on the credit card. Next, the author innovatively designs a consuming scheme that unions the credit and debit applications. Based on the scheme, the article analyzes the implement method of credit card system and illustrates the concrete process of every significant sub-module, such as consuming, pre-authorization, generating the accounting bill, repayment, calculating the interest, etc. The business module of the bank card, which gracefully coalesces the credit and debit card product lines, is finally created. This module not only exerts both sides'advantages but also improves the market competitive power as a financial product.To cope with the transaction pressure that the new business module exerts on the core banking system, especially the pressure of batch job, the article gives two solutions in various angles. Firstly, aiming at the character of the whole process of generating accounting bill, the author designs the architecture of the accounting bill system based on data fingerprint which organizes the data in chained mode, effectively transferring part of the operation tasks from core banking system to a more suitable system. To deal with the pressure which is brought by a large amount of simultaneous repayments, the article prompts a more effective and easily expanded means which is processing in parallel mode. This method applies the algorithm of Consistent Hashing to allocate the hardware resource equitably, which enhances the core banking system's overall processing ability as much as possible.