Research And Implementation Of Commercial Bank Precontract Platform System

At present, some banks began precontract business. The precontract business can bedivided into two categories: one is to remind your class reservation service, the customerpre-dating the bank at a specific time, usually such as to meet and open an account and failedto provide the service of self-service transactions, such as: to open an account, applying forcheckbooks, credit cards; the other is a dynamic account class default transaction, the existingservices and the implementation of non-same day, customers can set the day of the transaction,select the implementation of a certain date in the future, such as an precontract totransferremittance, payment and so on. The commercial bank only part of the channel openingpart of the product part of the booking service business, and the precontrac business is notintegrated. And other business functions, or does not support the precontract, or by thecharging unit or third-party restrictions reasons, can not provide users with a7×24hours aday, to some extent undercut the competitive advantage of the commercial bank.This thesis through to the Commercial Bank of the existing banking system and threetypes of precontract (7*24hours in advance booking, disposable, periodic.) businessprocess thorough research, put forward a kind of the reservation transaction platform systemstructure, its main characteristics are: standardize various booking product on line standard,through overall planning, centralized management, create more function, channel reservationtrading platform, providing customers with centralized management and booking service,improve customer satisfaction; integrated multi-channel booking business products, isconducive to the realization of the head office for the commercial bank booking businessmanagement, facilitate business data statistics and analysis.Combing through the precontract platform system demand points, the design system bythe precontract of the product configuration module, the precontract of three parts of thebusiness client module and back-office processing module composition. Business processes ofeach module in the entire reservation transaction process analysis to define the scope ofbusiness systems.Further design of the system structure. The specific implementation of this program isbased on the original architecture of the banking system, designed by the channel servicedelivery layer for all reservation instructions unified storage of business support applications,and bulk passed to the corresponding transaction processing. The design of important data structures, and assess system performance and security design.A single business support type applications (financial products), for example, to designproducts scheduled transaction, the background to deal with the process of key functionalmodules.The overall process reservation transactions involve layer transactions and querymodule for real-time processing part of the channel service delivery of business supportsystem (application) transactions and query module the process design; part of the batchprocess, business support class applications (high-volume applications) split the batchprocessing module and process design of each module.Through the precontract process and module design and development, we have to achievea comprehensive, secure, reliable system, we achieved a full channel-reservation business, butalso concentrated on the reservation business management.This program after the completionof the module design and preparation of system testing, functional verification, identify andresolve various issues that arise in the software development process. Stress tests for theperformance focus, performance indicators and stress testing analysis of the circumstances.Make sure the system can eventually put into production.Closely monitor the project went into operation on the basis of the quality of theoperation of the system, the performance indicators, resource consumption is stable, efficientsystem. The system provides support to make an precontract for services to customers, andenhance the freedom and flexibility to customers to transact business, and achieved goodeconomic and social benefits, improve customer satisfaction and loyalty, and follow-up to allkinds of business synchronization support the precontract type of transaction has laid a solidfoundation.