Third Party Inter-bank Payment System Analysis And Design

In order to get greater achievements in the field of payment, it is necessary to achieve inter-bank cooperation. But there are some difficulties in the establishment of cooperation between the banks. Fortunately, the third party payment platform is an important means of cooperation between banks indirectly. Third-party service providers can work for a number of banks so as to break the barriers between banks. That's to say, users can make use of different banks by the payment channel.At present, Chinese third party payment platform is developing well. They provide another choice for people to pay money and greatly enrich the nation's financial market. The first important part of this thesis is researching how to further using the features of third-party payments, expand its using scope and methods of payment, and enrich our financial markets.Currently, the third-party payment platform is mainly used for on-line payment. And the People's Bank of Chinese inter-bank payment system is the most famous system. How to allow the third-party payment platform to be used out of the line, as the supplement for the central bank's payment system, is another researchful focus of this thesis.After analysing of the current banks, the third-party payment and the remittance features, the last part of the thesis designs an inter-bank payment system that can connect city commercial banks, rural credit cooperations, rural commercial banks and other small financial institutions. Using this system, no matter where they are, the customers can use the nearest bank to remit safely, who may have no third-party account,no Internet, even no bank account.