Analysis And Design Of Dalian Bank's Mobile Payment Platfor

According to the official Ministry of national statistics,December 2015,China’s mobile phone users reached 1 billion 306 million,with the construction of the popularization of the mobile phone and the 3G and 4G network,e-commerce is also bound by the traditional PC end to end mobile phone rapid transition,also due to the convenience of the mobile phone and the fragmentation of time to electronic business transactions by leaps and bounds,e-commerce as an important part of mobile phone payment,not only to complete the transaction on both sides of the transfer of funds,but also for the e-commerce platform to provide more financial products support.Compared with the traditional electronic payment(POS,gateway payment),the biggest feature of mobile payment is convenience.With the rapid development of mobile payment,the central bank data show that since 2016,mobile payment growth has significantly exceeded online payment.This increase compared with mobile payments,significantly slower.The future of mobile payment related industries has broad prospects for development,and commercial banks have a bright future.With the large use of mobile payment and diversification of mobile payment methods,mobile payment will inevitably become an indispensable means of payment in modern life,and it is becoming more and more popular in e-commerce and traditional transactions.Combined with the actual situation of the author’s work unit,Dalian bank,the paper analyzes all aspects of the establishment of mobile payment system platform,including mobile payment environment analysis,business model analysis and user demand analysis.By using Web Service and Oracle technology,this paper designs the function framework,network construction and mobile payment platform function of Dalian bank mobile payment platform.To sum up,Dalian mobile payment platform can not only solve the huge amount of mobile phone platform users,frequent transactions and capital security issues,but also easy to fast payment,to achieve the integration of multiple financial products platform...