| With the rapid development of China’s economy, the deepening financial reform,the increasing improvement of financial market, and the continuous innovation ofpayment ways, place more, newer and higher requirements on the payment andclearing service. In2009, considering new demands on central bank payment systemfrom current and future development of social economic and finance, and the practicein the life cycle of payment system operation and the permanent disaster recoverysystem being built, the People’s Bank of China, the core component builder andmanager of China’s payment system, decided to speed up to build a more functional,secure and efficient payment system--the2ndGeneration Payment System, based onthe successful construction of the1stgeneration, by learning other’s advantages andadvancing with the times.In domestic, branches of People’s Bank of China, the Alipay, and the Tenpay areimproving regional electronic payment and settlement, thus payment and settlementapplication systems in commercial banks will gradually increase.After analyzing the practice of itself, Baoshang Bank views the2ndgenerationpayment system as an opportunity, integrates existing payment systems mainlyincluding the large-amount payment system and the small-amount payment system,and rebuilds a unified payment platform, to meet various needs of networking andbusiness development on payment service.The focus of this paper is as follows:(1) To fully understand the bank’s development strategy and business situation,build a unified payment platform tightly connecting with each inner-system andperfect integrating the internal business process, and provide technical support andbusiness support for the bank’s future development.(2) Based on the OSGi framework specification, the demand on auto-exchangerouting, and the mode of service-customizing component development andconfiguration management, to implement a highly modularized payment system, easyto be extended and upgraded, which also contributes to the decomposition, integration,upgrades of business process and meets the future mainstream direction of the systemconstruction. (3) To provide technical and business preparation, such as complete basic servicecomponents, system management, monitoring service, strong technology platform andbusiness support platform, for the integration of payment system.(4) To build a fast, convenient transaction developing platform, using a richstandard transaction prototype library, to simplify the transaction development processand improve the stability of transactions.(5) To provide simple, efficient definition of data interfaces to all the otherbusiness systems, compatible with the mainstream modes of communication andmessage organization. |
