Design And Implementation Of Network Banks Interbank Payment Systems To Exchange Packets Subsystem

In recent years, with the rapid development of information technology ande-commerce, many commercial banks have launched online banking services (referredto as online banking) and online banking and securities companies, fund companies andnon-financial payment service organizations and other institutions network platforminterconnection. To improve the efficiency of the interbank payment of liquidation, toenhance the commercial online banking service levels, to better fulfill the payment andsettlement functions of commercial banks, at this stage need to begin to establish abetter network banks interbank payment system, online payment and other electronicpayment services interbank settlement efficient processing.Commercial banks as the second generation payment system of the People’s Bankof interbank payment and settlement systems to participate in the line will be completedinterbank payment service packets and information service packets sent, the receiverand other business processes. Line with the construction and development of theinterbank payment system, the main content of this paper: the operation of the interbankpayment system architecture and the use of technology, the design of the underlyingdata file in the interbank payment system, interbank loans in the interbank paymentsystem exchange packets subsystem Hutchison packets, interbank debit packets,interbank third-party credited packets design and implementation of major exchangemessages, and successfully tested already implemented exchange messages subsystem.After the completion of the interbank payment and settlement system is not only topromote the interoperability of commercial banks online banking system, the interbankpayment straight through processing to weather payments to meet customer needs, andcan make customers real-time account information between the interbank payment thebusiness funds credited to effectively support the rapid development of e-commerce.Support eligible non-bank payment service organizations access to its businessdevelopment and innovation to provide safe and efficient clearing platform.