Bank Online Payment System Design And Realization

Along with the rapid development of internet banking business, E-commerce has embraced fast and substantial development. Without participation of banks, payment handling process of capital flow could not be easily achieved. Business system, customer system, online payment system of banks and the Internet are four essential entities that composed E-commerce. And it is Internet that connects the four parts together. In E-commerce activities, merchant and customer make a deal and generate payment order, which will be sent to the bank; the bank will take charge of and process the payment information, and finally finish the transaction. Through its online payment system, the bank provides a fund settlement channel for the two trading sides, and online payment becomes the most central and crucial link in the transaction.In this thesis, the basic knowledge, status quo, and development prospect of E-commerce are generally introduced; the fundamental constitution and process of online payment system are well elaborated; security issues of online payment system are deeply discussed; safety certification issues of online payment are given in-depth exploration; meanwhile, the design and implementation of online payment system are put forwards, including designs of the overall framework, transaction handling process and functions; and finally, interfaces realization between online payment systems of the bank and the merchant is introduced with great emphasis, including system access, account checking document, security control, signature and inspection, inquiry, payment, return of goods, withdraw of order and other interfaces, at the same time, the business handling process and system structure of the client-side, merchant-side and the bank-side concerned after the realization of online payment system are well described respectively.Relying on the advanced computer technology to carry out active financial innovation, build safe, efficient and convenient online payment systems for banks, break the"bottleneck"of E-commerce, could not only highly improve the business operation efficiency, reduce operating cost for enterprises, but also effectively promote the rapid development of E-commerce; as to the banks, they could expand new service channels, provide high-efficient financial services to customers, further relieve the work pressure of counters, reduce operating cost, improve profitability, speed up restructuring of the banks'operation method and upgrading their comprehensive competitiveness.