The Design And Implementation Of Small-sized Commercial Banks Payment System

Accompanied by the development of small-sized commercial banks, and the expanding of the scope of business, they needs more and more payment and settlement business, but due to limitations of financial strength, information technology level, it can't be directly involved in the people's Bank of the small amount payment system, so in order to carry out the relevant payment and settlement business and need to indirectly via third-party financial platform.System is divided into three parts, the front desk counter log and backend server transaction processing and background and third-party platform message exchange.Due to the small commercial bank technology strength is weak, so in order to maximize the reduction personnel in the line of the system maintenance work, the front design of B/S architecture, in the safety of the foreground and background, mainly from the hardware level control, such as the selection of line network, and in between foreground and background of firewall, through the access control to ensure the system security.Background using CORBA for cross language and cross platform distributed deployment, providing stable and reliable trading links and processing front desk and backstage. Security background mainly including front desk to account verification and encapsulated in background message transmission, content security mainly by the verification of the information of the counter identity, query transaction account balances, enter the contents of the verification of the counter meets message standards and standards of data structure and composition; because the packet encapsulation using standard XML message format and UTF-8 encoding standard, so message transmission security of the 3DES encryption algorithm encryption, also through TCP/IP set up a long connection to improve the payment process of high efficiency and stability.This paper has analyzed the present situation of medium and small commercial bank payment business, offer to pay business interface of third party financial platform status to the small and medium-sized commercial banks, a small commercial banks to use and management of the payment system, and the details are for, system planning and design,the system should take the technology strategy, and ultimately to achieve a relying on third-party payment platform to carry out small and medium-sized commercial banks pay business information system.