Design And Implementation Of Commercial Bank Online Banking To Pay Fee System

With the continuous development of social economy, all major banks haveaccomplished nationwide networking, deposits of foreign city, withdrawals, freedeposits and withdrawal service. Meanwhile, logging on the online bank at home,directly access to the account information, transferring money and purchasing gold,fund financial products etc, have brought unprecedented change to people’s lives aswell as social economy. The intermediate business by major banks has developedsignificantly along with the sustainable traditional business mentioned above. In orderto win in the increasingly fierce competition of intermediate service, banks shouldrely on the factors such as reliability, advancement and usability of intermediateservice system in addition to the effective marketing strategy and high-qualityservice.We mainly studied and summarized the theory and development of online bankand its intermediate business in this paper, discussed the domestic and foreign studyrelated. Moreover, we particularly analyzed the market requirement regarding thebusiness in telecommunication of the Hunan Branch of a specific commercial bank,designing an online telephone charge system tailored to its current business andtechnology. The system is a pivotal service of banking intermediate service, bridgingthe gap between banking and telecommunication system, avoiding the HR waste intraditional charging system, bringing convenience to normal and business customersand bringing profits to the bank.The system is based on the distributed system, with the distributed webapplication in the front end. JAVA based on Websphere was used in the process. Theservice system could make seamless connetion between the head office and the branchonline bank application using HttpClient. Rear end application achieved second-timedevelopment in the intermediate service platform, based on the middleware CICS ofIBM and PRO*C of ORACLE11G. System designing is based on classic MVCstratification. Loose coupling between the layers would make the updating andmaintaining convenient. This paper articulated the implement, testing and running ofsystem, analyzed its advantages and disadvantages.