The Design And Implement Of Credit Card System Base On IC Card

With the development of electronic information technology and the change of spending pattern of our people, credit card industry is booming in the domestic. However, recently credit card fraud incident has seriously affected the further development of the credit card,which has aroused extensive attention from the society.Compared with the traditional magnetic stripe card, IC card has the preponderance of security,low transaction costs and efficiency.The Credit card based on IC card,which can adapt to the future more complex business requirements,can be our preferred solution.The thesis systematically expounds credit card system solution based on IC card. Firstly, this thesis analyzed the current situation of traditional credit card system, and deeply studied the theoretical basis of the credit card and IC card standard specification. Based on analysis and study, the thesis did requirement analysis for card credit card system, and designed system on the security, support for standard credit application and electronic cash application and high maintenance problems. The thesis used structured design method to design the credit card system. It divided credit card system into key management subsystem, data preparing subsystem, front-end subsystem, business subsystem. And then through the implementation of sub system through collaboration and the internal function, this thesis designed the security mechanism of credit card and business functions, and completed the detailed design of safety platform and business system. To solve the problem of complexity of on-line authorization service, the thesis design and implementation of online licensing platform,which improved system maintainability.Finally, credit card system test to verify whether the expected results achieved, mainly through the function test to verify whether the system meet the core business functions, through the performance test to verify whether the system meet the actual business needs, by maintaining high test to validate the system maintenance workload.Based on the profound study of credit card business and IC card specification(PBOC3.0), the thesis realized the credit card system with high security, convenience, multifunctional, highly maintenance features. This thesis focused on solving the three problems. Firstly, on security issues, this thesis focuses on the key security system and security strategy(such as... and so on), to solve the security problem of the credit card.Secondly, in order to solve the credit card system to support the application of electronic cash problems, this thesis integrated IC card module in the core business system.Finally, according to the complexity of credit card system, based on the service oriented architecture(SOA),this thesis took the scheme of separation of channels and business, and established the standard business process,to ensure the system maintainability.