Interconnected System-based Corporate Banking Systems, The Design And Realization

Enterprise bank is a financial utility for enterprise financial staffs to implement routine businesses such as enterprise capital's transfer, query, trace, etc. by means of the financial tool provided by commercial banks. Before the mid 1990's, enterprise financial staffs went to bank outlets to transfer. In the mid 1990's commercial banks firstly introduced the concept of enterprise bank that extended the bank's counters to interior enterprises, but hadn't connected to the interior MIS. At the beginning of 21st century, with the web bank and call bank's rapidly popularization and promotion, the enterprise could manage the financial affairs without going outdoors by means of bank's electrical tools.However, each above models could not solve the unanimous problem among the individualized services, financial information and bank account information. Enterprise clients had to operate two independent systems (Enterprise Interior Financial System and Bank Account Business System) to implement financial management. Thus, from the point of clients, it is necessary to implement the interconnection between the two systems. This helps to integrate system resources of the bank and enterprises and bring to the enterprises safer, simpler, more real-time and individualized services.In this paper, by discussing the development and shortcoming of enterprise bank of non-interconnection modes, it leads to that the inter-link modes is the inevitable trend of the corporation between the bank and enterprises. This subject is implemented in a practical application of a military area's financial department. In this application an inter-link based enterprise bank solution scheme is proposed to meet the individualized routine financial requirements.Firstly, the major functional scope of the inter-link between the bank and enterprise is limited which mainly provide atomic transmissions such as account transfer, balance query, details query, transfer command query, etc. Enterprise clients can flexibly combine and control the above atomic transmissions through the financial software system to meet individual requirements.Secondly, the system structure, network architecture is discussed. From the prospective of system security, the bank and the enterprise connect directly to form a independent interior bank network .On the application level, three major technique are adopted in the information transfer. In the first, https security proxy server technique is adopted to guarantee the secrecy of information transfer. In the second, cryptographic key and digital signature technique is adopted to prevent information from being changed in the course of information transfer. In the third, digital certification technique is adopted to identify the user.Lastly, in the conclusion, it is presented that information sharing is the development direction of the bank and enterprise corporation. Based on the information sharing the bank can make strategy alliance with various enterprises. Through information sharing the two sides can attain more market shares.