Design And Implementation Of Credit Card Issuing System

With the development of the Internet, the economic and the financial market of our country has become increasingly active. More and more foreign banks have appeared in the Chinese market. Given the current patterns of consumption and the main customer groups, the credit card market in the country is becoming more profitable and marketable. The foreign banks have strong technical strength to compete with domestic banks, so the domestic banks need to strengthen our own system construction, in order to compete with foreign banks to ensure adequate competition. In addition, the existing domestic banking system cannot meet the growing customer demand for consuming with credit card. Thus, to establish sound and efficient credit card issuer system is very important.This paper analyzes the credit card transaction of different stages, and the habits of customers in the transaction process. The paper has designed for an online transaction issuing systems of credit card, including card module, authorization module, transaction module, installment module, loyalty module, annual fee module, interest module, SMS module etc. Different modules have connections with a certain logic relationship, and they exchange information between each other through the interface. Finally, a stable and efficient issuing system of credit card is generated.The development of the credit card issuing system adapt the waterfall model, and use the structured analysis to analyze the different stages of the system, including requirements, outline design, detailed design and implementation. Through the integration between the various modules, then there will be a system of actionable, achievable, high-performance formed. The final system will have a series of functions, such as card application,activation, transaction, cash, payments, as well as calculate annual fees, interest etc. It can also have the function of making the card cancelled, charge off and write off. It can provide individual, various and convenient service for all consumer groups.