Design And Implementation Of Bank Card Collection System Based On Risk Management

As an important part of the banking system,bank card receipt is closely related to the stability and security of bank capital flow and business flow.Controlling the risk factors in the receiving business naturally becomes the top priority of the bank's work.Due to the uneven source of merchants,it is not conducive for Banks to control the overall qualification of cooperative merchants and institutions,and reduce the security degree of bank receipt business;Receiving business is also a high-risk link in the banking business system.Banks should establish the awareness of risk management and ensure the safe operation of receiving business.Therefore,the bank card receipt system is developed based on risk managementThe bank card receipt and receipt system was developed based on MVC pattern.MyBatis framework was selected to handle the responsibilities of persistence processing and data operation in the Model layer,laying the foundation for data display in the interface.The Spring Boot framework plays the role of monitoring and controlling the front-end access,ensuring the safety of access behavior and assuming the task of monitoring and filtering by the Controller layer.The generated data results are fed back to the front-end Jsp format interface through the View layer.The application of Shiro framework builds a more complete security system to ensure that bank receipt data is in a secure environment.Oracle 11g database can provide an effective scheme for the management of large amount of data and a secure environment for the storage of bank receipt data.The bank card receipt and receipt system realizes modules of merchant management,clearing and settlement management,risk management,cooperative institution management,TMS management,etc.Merchant basic information management,rate information management,blacklist management and other functions are realized in the merchant management module.The clearing and settlement management module realizes the functions of managing deposit,transaction fee,adjusting and adjusting account information and settlement information.Risk management in the module implementation management risk control rules,the exception merchants,card number blacklist and real-time risk control parameters of the function,information management module to achieve cooperation agency cooperation agencies to maintain,merchants,is a cooperative organization with access to maintenance,maintenance function,TMS inventory management module to achieve the management terminals,lists,and function of permissions.The application of the system provides an advanced solution for Banks to control the risk factors in the receipt business,and to strengthen the control and judgment of their qualifications by establishing a sound database of merchants and institutions,so as to ensure the stability of the basic links of the receipt business.The bank shall establish a sound risk rule mechanism and comprehensively control the risk factors in the receiving business,so as to ensure the smooth and healthy development of each link of the receiving business and lay a foundation for the construction of a healthy and orderly financial industry environment.