| "Internet banking" is one of the most fashionable contemporary vocabulary. Online banking with as a new banking channels from ten years ago, in business, technology and services has to achieve a rapid development. Relying on its ease of shopping, living payment, transfer of account and other. Today, under the Internet Storm, online banking has not only a channel, and is affecting bank survival is becoming an important force in its development and growth. With the deepening of China’s financial reform, foreign financial institutions continue to enter the rise of the domestic, as well as Internet banking, the world of banking and finance industry will face in the next decade in a brutal melee financial sector. A large number of slow development, high cost and low quality of service of the financial and banking will be eliminated, and the final outcome will depend on the key service quality, low cost and rapid expansion of their own ability.In view of the current bank channels, high maintenance costs, expand more weak, poor security problems, this paper designed and implemented an Internet banking channel integration system of financial environment. The system use of the Internet financial idea, adopting SOA (service oriented) theory and method of horizontal and vertical integration of bank business, and use for springMVC, Mybits, Mysql, RSA encryption technology and related support of open source technology to achieve the multi channel, high concurrency channel integration system. The system helps to improve the competitiveness of the bank in the Internet environment, which has laid a good foundation for bank’s transformation and upgrading.This article includes the following aspects:1. For the growing number of banking channels, repeat business development and high maintenance costs, we proposed the channel integration system design. The multi channel service is similar to horizontal integration, multi channel common set of business process code, solving the repeat developing of business and the high maintenance costs, also achieving the goal of customer information sharing in cross channel, growing seamless customer experience between channels.2. Against the small banks weak business development problem, a financial ATM solutions based channel integration system will be more banks counter business and third party payment on the ATM business integration achieved through the large area of the cell, streets, etc. ATM installation means to achieve rapid expansion of banking antennae. People use large number of ATMs to facilitate the role of banking process, achieve the purpose of increasing the viscosity of customers, in turn, can promote more business through the ATM.3. Against the security information for customers, the use of a request failure, sensitive information RSA encryption and other methods. Every customer requests the system will return a unique random code, random code will be validated in the background when the user initiates a request, submitted at the same time critical data required for data validation, thus preventing tampering problem; on the show for the page to send sensitive information issue, send the information on RSA encryption to send a method to avoid the disclosure of customer information.Based on the above work on the basis of the development of channel integration system, the system can be five layer structure:Front channel layer, business integration layer, an intermediate layer, the service layer and the core layer. This system is mainly to solve the many banking channels, repeat business development, maintenance costs are too high issues; and presented in the financial impact of the Internet banking system instead of developing ATM outlets to reduce costs to increase user stickiness expand cash flow and business flow of ideas out of the industry dilemma; while adding a variety of information disclosure and anti tampering technology in channel integration system, increasing the system security. |
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