Design And Implementation Of Financial IC Card System Of Commercial Bank

With the rapid advance of China’s financial electronic construction, the financial IC card as a new way of financial paymen t, which has been widely used in the financial industry. Since the state has adopted the use of financial IC card related policy, each country’s commercial banks are in full swing to carry out system updates work. Because many other industries in cooperati on with the financial sector, resulting in commercial banks need to adapt to the requirements of various partners, thereby developing and partners to match the financial IC card, promotes the development of the financial IC card. Application of financial I C cards in the country for some time, but found in the application of IC card function is not designed using universal function modules to design, otherwise lead to the application process had hindered the management of financial IC card business measures for management and risk management needs to be strengthened, so the combination of work experience in software development graduate knowledge learned in the system design and implementation.Development Finance IC system design primary consideration is the safety of the system, in the development of technology platforms used TOPLink + as a message exchange platform, which provides a secure and reliable underlying message exchange mechanism to ensure that the process between systems between messages, and a plurality of switching systems. Network architecture developed technology uses virtual network technology in easy data management and security needs of the environment, often involving financial IC card using a virtual private network to share and transfer data between. Combined with the current situation of the Internet, in order to reduce development and maintenance of financial system, commercial bank financial IC card management system using B / S mode and C / S model combines the structure, on the one h and to improve the ease of use and friendly user interface interaction and the other but it is also to protect the security level and the speed of data processing tasks of the data, to ensure that the whole real-time information sharing between the various subsystems. Second, the financial system in the traditional IC basic information management, institutional management, terminal management increased business management functionality, which achieved a new listing, modification, maintenance, disabled, tran saction recovery and other functions, compared to the original business management is concerned more feature-rich. The system implements the basic management of financial IC card information, institutional management, business management, terminal manageme nt, risk control, reporting and management functions, a good solution to the bank’s existing systems, access and integration of existing services for bank cards transition from magnetic stripe cards to the financial IC card to provide a strong guarantee of support, while providing a solid foundation for application development based on the industry’s financial IC card, a substantial increase in the economic and financial efficiency. Implementation of the system can meet the current needs of financial IC car d applications, particularly enrich and improve function in business management and risk control, to effectively protect the interests of banks and enterprises.