Design And Implementation Of Bank Card Receipt Clearing System

With the strengthening of Reform and Opening-up and the rapid development of foreign trade,China is increasingly becoming the focus of global economic.As an important part of the bank card system management,the acquiring of clearing business has always been the focus of attention of the industry.At present,the differentiations of bank card acquiring service are not distinct,and the clearing system function is similar,which become a major bottleneck in the process of the development of China's bank card industry and limit the full potential of the bank card market.In view of the shortage of the current clearing system for bank card acquiring,depth analysis and the functions of the system are presented based on bank card acquiring process and related data in “China Union Pay Merchant Services Co.,LTD” where the author is working.At first,functional requirements analysis and performance requirements analysis are introduced.Then,user management module,data processing module,file processing module,clearing the calculation module and calculation result processing module,as well as database design,are analyzed in detail.In the implementation of the system,system software and hardware development environment are described;distributed database is employed to form a uniform logical database;XML configuration file analysis and construction technology are used to import file into the general analytic;data pre loading is used to reduce the number of repeated data retrieval;dynamic filling is executed to complete required information before the clearing treatment;Oracle database backup strategy performs daily clean backup.Test results show that the system functions and performance meet the needs of users,and has good application value.At present,the system is running smoothly in the branches of Union Pay.The design goal has been realized.The problem of repeated apply between the number of branches of the generic part and different processing between special part have been solved.The more flexible and efficient way is achieved to meet the issuance,transfer,single,businesses of all kinds of dilutive and reconciliation needs.The efficiency of settlement is improved and the bank card acquiring clearing system becomes more automatic,universal as well as sustainable.