Design And Implementation Of Commercial Bank Mobile Banking Platform System

The popularization of online banking has broken the traditional operating pattern of finance business.Smart phones and the rapid development of mobile networks also contributed to the rise of research on mobile finance platform.Considering the deficiency of traditional WAP model,like poor interaction between people and machine,low operating speed,and poor security,online banking focus on the research on mobile financial platform with intelligent terminals.To enhance user experience,it adopts graphic interface development model;to be user-friendly,speech recognition technology;to inquire more intuitive information,the combination of GPS technique and GIS technique.Based on the SD-KEY mobile terminal security authentication function module,online banking provides a full range of security for users' trade.At the same time,it improves Two fish symmetric encryption algorithm to encrypt trading information and increases the security of user accounts and money.Breaking through the above key technology,based on the investigation and research on the needs on user groups and expanding the traditional financial platform business,online banking divides its system into five functional parts,namely,mobile banking,mobile financial services,mobile life,mobile payment,marketing and product management and a query and purchase service about financial products.Having complete system architecture design and detail design,online banking system is divided into server-side and client-side.Server-side,with tiered architecture designs,constructs all kinds of functional modules.Client-side is deployed in user's intelligent mobile devices.Android-based system design and development,tabbed features and management model add high usability of system.Trial results indicate that commercial banks mobile financial platform extends the traditional mobile banking.For ordinary users,online banking not only helps to complete common financial operating business,but also helps to gain more real-time information with the mobility of intelligent terminal.For managers of the bank,online banking assists to make decision on the Establishment of financial products and marketing with analysis of the statistics of users' operation.Android OS account for a growing share in smart terminal devices market.Therefore,the research and development achievement in this paper will enjoy a pretty well application prospect.