Applications Research On The Financial IC Card Of J Commercial Bank’s K Branch

Financial IC card is a new kind of secure and credible financial payment which is mainly pushed in our country.It is the organic combination of financial services and information technology,it also can improve the financial efficiency substantially and save social cost.According to the development trend of the financial IC card and the state great support, it will become the mainstream media of consumption payment in the future.To carry out the project of the financial IC card industry application promotion actively,to make the financial IC card offline payment function applied to the industry payment area, certainly will expand the acceptance area of the financial IC card. By making the financial IC card combined closely with industry applications, such as social public services,schools and terprises,can attract a large number of the financial IC card users for business bank.can further assimilate the industry partners precipitation funds,improve the financial IC market value and the social benefits, so as to deeply improve the market competition of the bank.This article combines the advanced experience from domestic and abroad in application management aspect,study the financial IC card current situation of application from the J commercial bank K branch,based on the system analysis for financial business process,put forward the business process optimization measures, mainly includes the optimization of organizational structure, optimizing the campus one-card business processes, the optimization of application mode, createing differentiated products and optimize the fabrication process. Finally, through the sufficient analysis of requirements. this article draws the conclusion what improve business development through the the financial IC card management system construction, as well as put forward the prospective technology and feasibility management system designing project for the financial IC card,fully reflect the information technology supportive function for the business process optimization and business development.This article select a characteristic topic, Innovation to put forward two implementation plans, includes the financial IC card electronic wallet air circle deposit and secondary industry application personalization.This article adopts the method which combined the theoretical basis and case analysis, fully master the business process optimization, base on financial IC card industry applications development and IT application risks these theoretical knowledge,focus on the combination of campus card and bus card application and the ETC card case,to find the crux of the financial IC card business process, and then make targeted business process optimization measures.The study process of this article is layers upon layers,through the detailed demand analysis,fully understand that the construction of financial IC card management system is the foundation of promoting application extension, as well as the financial IC card business development necessary condition for K branch, then just put forward the security of financial IC card management system and architecture design plan.