Design And Implementation For Credit Card Installment Payment System Of Domestic

With the peony credit card payment business expansion, the cardholder transaction volume rapid growth stage. In order to meet the development needs of the market, for commercial banks, it has the extremely positive significance, to build an efficient, stable installment payment processing system, to improve efficiency of data processing, processing capacity, to develop multi style installment payment mode,to enhance competitiveness in technology, banks to seize market share, and promote bank business processing level. Based on the evaluation of the above development trend, the domestic commercial banks decide to develop a set of domestic peony perfect card payment processing system.This paper takes the territory of peony card payment processing system as the research subject, and the author fortunately participated in the system requirements analysis, system design, program development work. This paper mainly discussed the territory of a commercial bank card payment processing system architecture, function design and implementation.The Design And Implementation For Credit Card Installment Payment System Of Domestic for a commercial banks, it has established a set of mature and stable technology platform based on OS/390mainframe systems, DB2large relational database system, CICS online transaction processing system.In this paper, the territory of peony card payment processing system, in strict accordance with a merchant bank architecture system development, mainly realize the following functions:1. The design and realization of online transactions of the installment payment.2. The design and realization of the batch transactions of installment payment.As a part of a commercial bank core business system, the territory of peony card payment system is the bank card issuing system extension services, the data source for the merchant service receiving system of acquiring data, complete the core business functions within the territory of the peony card payment system, automatically generate related accounting documents, accounting report file, comprehensive statistics, analysis of business data file documents, other processing subsystem of core banking system will carry on the processing of such data, perform their respective functions, the clearing platform system assists the system to complete the transfer of funds of the bank, loan business system is responsible for cardholders points ledger update, front desk service report system completes the accounting statements of the printing, comprehensive statistical system completes the business data collection and display statistics, data warehouse completes the long-term storage and data service and data mining, through the banking system circulation processing completes peony card payment function.In addition, the territory of peony card payment processing system in architecture design, according to a merchant business development norms, can flexibly support processing various types of payments, to reduce the service discovery of core banking batch system transformation. At the same time, combined with commercial banks to host the actual condition of production, using load balancing strategy of multi batch run concurrently, effectively improve the efficiency of system operation.A commercial bank within the territory of the peony card payment system is powerful, it supports all the payment business varieties currently, and it has the flexibility and high stability. The architecture design, implementation of function, and the the leading domestic advanced technology level can reach the international similar products. Through the production installment payment processing system, a commercial bank can improve the payment business services, win the customers’ consistent high praise, and it has great contribution in the intermediate business of a commercial bank service fee income, produces enormous economic benefits and social benefits, has won a good reputation for the bank, under the a solid foundation for the bank to take the intermediate business market share.