| As the rapid development of China’s economy, tourisms and office activities of people are more and more frequently. This lead to higher requirements of China’s service industry. From the demand point of view, China’s total issuance volume expected in the next15years will average11percent growth rate to reach1.1billion in2025(an average of0.75cards), and is expected to surpass the United States in2020.Credit cards can bring three profit to the bank:the first is the annual fee, the second is charges, credit card issuers can get the amount of funds about2%of the Commission from credit card consumption. The third is that the cardholder pay to the banks because of over drafting, what the banks value is the overdraft interest. Over the interest free period, credit card overdraft consumption’s interest rates would be as high as18%.In order to effectively and unified administrate the creditcard users, it is necessary to establish a credit card fund supervision system. So that we can not only focus on each user’s credit card consumption, but also remind the real-time users, as well as analysis and mine on the users’information and so on. The system adopts the idea of modular design to achieve its goal. The system design’s main framework technology include EasyUI, SSH (Struts2+Spring+Hibernate3), using MyEclipse10.0as it’s development tools, Oracle database, and PowerDesigner modeling tool.Through the design of the credit card management system, the administrator can timely administrate the user’s credit card consumption, the real time information, the availability of credit and so on. This can greatly improves the work efficiency of the bank staff. In terms of the use of credit card, the main target of system is to supervise the action of user’s overdrafts, and cash for effective. If the credit card holder on a credit card for a long time but failed to be paid interest on overdrafts, bank managers will be reminded of the user, they can also freeze the use of credit cards in severe cases. |
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