The Design And Implementation Of A Payment System Based On GAPS

Nowadays, whether the four state-owned banks, or joint-stock banks or city commercial banks, has its own intermediate business platform. Agent business, under the category of the intermediate business, is a bank business which has been developing rapidly in recent years, as well as a inevitable product of the development of bank business from traditional single deposit and loan services to diversified ones. Under the circumstances where the traditional business benefit grows slowly and the horizontal competition becomes more intense, agent business has become the new spot in the competition among banks due to its broad prospects for development and business space. The design level and business functions it can provide could impact directly on the business development and services quality of banks.In order to develop the system of agent business and to seize the market as quick as possible, we need to have a unified agent business system to achieve the fast arrangement and development of business. Agent business systems usually have some common features, which makes the unified agent business system become a possibility. Currently the agent business of many banks is respectively independent, with low coupling degree and high consumption of resource and cost. From the prospective of saving, an unified agent business system is also in urgent demand.This paper first introduces what is the intermediate business and the development status of the intermediate business of national banks as well as the distance between national ones and those abroad. Secondly it introduces the characteristics agent business has itself and in common. Finally it introduces the specific requirements and design implementation of the unified agent business.