Telecommunication-based Stored Value Payment Platform Virtual Bank Of The Key Technologies And Implementations

The Virtual Banking is an operation web site for the dummy banking services on Internet. It provides invisible electronic bank for clients lying at wide positions by Internet, such as query operation, fund transformation, payment and other hundreds of banking services. It is the hot financial research domain, and also the inevitable developing trend of the traditional banking.The security of virtual banking is one of the most important technology for the banks which regard the credit as everything. How to guarantee the information security is the key problem of the virtual banking. The information security of virtual banking involves data security, business security and identity security, etc.This paper mainly studies the security technologies of the virtual banking, discusses the application of virtual banking technologies to telecom deposit and payment services, designs and realizes the virual banking management system for Huzhou Telecom. The research contents are as follows:(1) Discussing the advantage of Virtual Banking, pointing out the inevitability of it.(2) Studying the key technologies of virtual banking, focusing on the data security, bussiness security and indentiry security, etc.(3) Studying the application of the virutal banking technologies to telecom deposit and payment, and bringing forward the integration design of Huzhou Telecom Virtual Banking System.(4) Studying the key technologies and solving schema of the virtual banking based on the telecom deposit and payment platform.(5) Realization of the Huzhou Telecom Virtual Banking System.The Huzhou Telecom Virtual Banking System adopts Oracle 9 as the Database System, and makes use of C programming language to realize the bussiness securitymodules. The deposit and payment of the Virtual Banking System is developed using Delphi 7. The whole system has been developed and devoted to formal working.