Design And Implementation Of Commercial Bank Payment System

With the rapid development of commercial banks,the scope of business and the continuous expansion of business volume,the demand for payment and settlement services is also growing,commercial banks cannot directly participate.The People's Bank of China's large and small payment system,in order to achieve and carry out related payment clearing business,the third party payment platform is needed to indirectly realize the processing of the business.At present,the development of commercial banking systems in most parts of China is inconsistent,and there are still many areas for improvement.Of course,the contribution of the system to the local economy is indelible,and it also plays a role in the development of financial informationization.It has played a big role.This paper will use a third-party payment system of a commercial bank as a research object to study and explore how to use modern technology and means to realize the rational design of the bank payment system platform under certain mode.This paper is divided into six chapters,mainly from the background of the research project,to the use of key technologies,demand analysis,system overall architecture design and the realization of the main functions of the system as the main line,the system has been deeply analyzed and researched,and finally Realize the design of the system.The system design uses JAVA language and C.The system background is designed on the basis of UNIX,and the application is obtained through the database created by the Internet.The payment platform of the system is built around the user account,and has three basic modules: a public control module,a micropayment system module,and a micropayment system module.In this paper,the two main business modules of large and small amount are analyzed and designed in detail from the realization of input module,maintenance module implementation,review module implementation and billing business.In the design of the database,in order to avoid the performance of this system when the large amount of data leads to low performance and reduce the amount of database load,the sub-table design mode component is used.Because mature architecture technology is used in all three layers of the system software architecture.From the application results of the currently designed third-party payment platform,the payment platform is more suitable for financial institutions such as banks,and the trading rules of commercial banks are used as the basis and criteria,and the functions and processes are improved and supplemented according to requirements.The system hasthree basic modules: public control module,micro-payment system module and micro-payment system module.At the same time,it can also perform real-time monitoring of transactions,produce data reports and handle abnormal situations.The system is a modern banking system with complete functions and practicality.