Research And Implementation For Card-account Structure Management And Data Migration In Credit Card System

With the rapid development of China's economy and the maturity of China's financial market,credit card as a convenient way to trade has been more and more favored by consumers.As a main financial product credit card is getting a more important position in banks.In order to deal with the fierce market competition and meet the rapid development of financial business,commercial banks need to improve business systems and explore new strategies to enhance customer experience.One commercial bank's credit card issuing system needs to be upgraded.At the meantime,the card-account structure needs to be changed from one-card-to-one-account model to the Customer-Centric several-cards-to-one-account model.Account corresponds to customer and overall manages following cards.The card-account structure alteration leads to functional shifts about product management,category classification,card application,credit limit architecture etc.Mass of production data need to be combined also.Starting from the actual business and basing on the credit card issuing system upgrading background,this article is mainly about the discussion on how to synchronous update so many functional modules of the credit card system following card-account structure changing,how to merge and migrate billions of information and assure the information accurate and safe.The main focus of this paper and the work include the following.(1)Introduce credit card lifecycle and credit card architecture level at first,especially focus on card-account models which are widely recognized currently.These models pave the way for the following discussion.(2)Discuss card-account structure management overall objective and data migration scheme.Design credit card issuing system overall architecture,functional structure and database.The overall objective is the card-account structure need to be changed from one-card-to-one-account to several-cards-to-one-account.Account manages following cards with different functions.At data migration section,we mainly discuss account combination link in data migration flow.Account combination link divides into migration and combination,same as copy and summation.(3)Choose and design 4 functional modules including product and category,card application,limit facility and adjustment,balance composition from credit card services.The content covers many channels including operation screen,online transaction interface,batch processing task and public function.The product and category correspondence needs to be maintained through user screen.The account's highest product and highest product level need to be recalculated.We design application verifying online transaction interface and batch processing task for second application.Public functions are designed to calculate customer limit and facility limit.According to the several limits to one account structure,we design user screen to inquiry balances,interests and fees of customers.At data migration part,we focus on migration plan of account balances,interest settlement to the day,overpay accounts' extraction and overdue amount charge against.(4)Realize the detailed design of card-account structure management by C language technology,and analyze achieve results by functional and performance test validity to on-line application.Data migration is executed by stored procedure script through PL/SQL.We use CREATE command to parallel achieve this target.Based on customer's card-account structure changing,this article completes account consolidation about system management and data migration.It's the industry precedent.The achievement of this article would be a reference of card-account structure management and data migration for other credit card systems.The online implementation and data migration of the new credit card issuing system is successful.The issuing system is available,safety and extendible.The new card-account structure meets business needs and expectations.