Design And Implementation Of Internet Banking Payment System

Internet Banking Payment System, IBPS or Super E-bank for short, is built by the people's bank of china to enhance the capital settlement efficiency between bank and other financial institution. IBPS can also improve the online banking service of commercial banks.IBPS overcomes the inter-bank account clearing difficulty of the first application system. It can deal with user's real time inter-bank transfer of account and inter-bank payment. A bank can have real time connections with another bank through the IBPS. The author participated in the drawing up of the IBPS of his bank and took charge of the requirement analysis and function acceptance of the corporation business. The author bank's IBPS was allowed by the people's bank of china to the whole system in the end of year 2010. Then it is put into practice in the countrywide of the author's bank.In the United States, Automated Clearing House(ACH) is a good model of the inter-bank payment systems. ACH was created 30 years ago.90 percent American banks are the members of ACH. For example, Paypal has great succeeded in the online payment field after it beomes a member of ACH. It connects ACH and then realize the whole national connections, avoiding unnecessary works to connect banks one by one. Otherwise, each developed countries has built its own automated clearing system in the competition of the international trade.This paper uses Unified Modeling Language to build internet banking payment models.Refer to the ISO20022 financial message-transferring standard, Internet Banking Payment System uses XML, Javascript, digital signature and certificate authority technique based on Ebank's J2EE architecture to realize the connection between banks and other financial institutions in china. IBPS is one of the critical applications among china's second payment system.IBPS can deal with user's online inter-bank credit payment, online inter-bank debit payment, online inter-bank inquiry and online inter-bank agreement. It is accepted by the users and is widely used in public services and electronic commerce payment etc. IBPS offers a novelty, fast, convenient way in public utility and electronic commerce field.This article has done the comprehensive research to the Internet Banking Payment System, first introduced the banking development and the research meaning of IBPS, then introduced several key technologies applied in the system, combined with the specific situation, take use of UML technology to define the model of business in banking, designs follows the enterprise data concentration model, realize the system user interface and give a illustration about this system used in reality, finally made a summary of this paper and prospect for future.