Corporate Research And Development Of The Banking System

The disquisition discussed the research and construction of a safe, efficient "Enterprise-Bank Online Payment System", which can help enterprises do bank payment work online through computer network.. The subject focused on four points: Communication, Security and Encryption, Database Interface and Business Inspection.The communication is base on PC-MODEM-Telephone. In order to transmit bytes stream reliably between Bank and Customer, which is required in this system, A modem communication protocol was designed , with the existing File Transfer Protocols(FTP) as a reference. The new protocol strengthened control to the process of send and receive, enhanced the reliability of transmission, and improved the flexibility of call interface. The software realization is in accordance with the TCP/IP and ISO/OSI reference model, thus the software is independent, portable and versatile, and is of great market value.Security is one of the biggest problem in such a system. On the basis of thorough analyzation of the risks, a set of online-payment security and encryption resolution scheme is designed , in use of the latest achievement in network security such as un-symmetric encryption algorism ,identification protocol, and digital signature etc, which provides a safe, reliable and creditable deal environment for users.Database is accessed everywhere. An Application Programming Interface (API) functions set encapsulating the database has been defined after comprehensive consideration which decreased the dependence on a certain database platform and optimized the overall performance.InterProcess Communication(IPC) is an important mechanism inmulti-task operating system. With the IPC of UNIX, the Monitoring sub-system sends the process status information as messages , which is queued and displayed on a nominal terminal , by which the system administrator can find out what the processes are doing currently.E-Commerce has made great progress recently. The Electric Online Payment System, which is studied in this disquisition, is one of the most important part in e-commerce. The success of the system will improve the service of bank, which facilitates the payment work of enterprises, and have contributed to the development of e-commerce in our country.