【作者】 陆鸣；

【导师】 饶若楠； 吴浩；

【作者基本信息】 上海交通大学 ， 软件工程， 2012， 硕士

【摘要】 随着中国金融行业信息化发展的加速，如今线上及线下支付系统亦受到了业界越来越多的关注。银行卡收单业务，即签约银行（或机构）向商户提供的本外币消费以及资金结算的相关服务，其是整个银行卡交易整体业务的基础。在线下支付业务中，银行卡收单业务占据了绝大部分的市场份额。在央行陆续发放了101张第三方支付牌照，其中亦包括了银行卡收单的牌照，这些给予了获牌企业涉及线下收单业务的机会。如今支付宝、快钱等拿牌的第三方支付企业在原有的线上支付业务外，均开始发展线下银行卡收单业务予以很大的重视，支付宝更宣布将投资5亿来推动线下支付体系的发展。目前，由于拿到银行卡收单牌照的第三方支付企业都还不具备自己的银行卡收单系统，因此，建设一套符合第三方支付企业个性化需求的银行卡收单系统现成了拿牌企业的首要任务。第三方支付企业的银行卡收单系统不仅要继承原先银行收单系统的核心内容，而且还需要在此基础上设计一套灵活的路由设置体系，以适应将来多样化的业务拓展需求。本文设计实现的系统将以基于TCP/IP协议的socket通信为核心技术，用现在使用广泛的JAVA语言代替传统的C语言，在原银行的收单系统的基础上进行重构。本系统由三个部分组成：管理控制台，核心后台以及清结算系统。核心系统使用TCP/IP实现交易的传输，控制台采用Struts2＋Spring＋IBATIS来构建。本系统能够满足各类本外币银行卡在POS(point of sale)(销售终端设备)上的消费要求。经过观察实际运行的情况，系统运行稳定，交易处理速度较快，且具有较高的安全性、扩展性、兼容性以及便捷性。本系统的核心平台通信架构已可以当产品复用，具有重要的应用意义和推广应用前景，将产生良好的经济效益和社会效益。更多还原

【Abstract】 As the Chinese financial industry informatization develop faster and faster, now onlineand offline payment system has been more and more attention.The bank card acceptancebusiness, namely signed banks to the business community to provide foreign currencyconsumption and capital settlement of related services, which is the whole foundation ofbusiness bank card transaction. Bank card acceptance business occupy most of the marketshare of online payment,.When the central bank has issued101third party payment of license plate, including bankcard acceptance of the license plate, these give enterprises involved in line acceptancebusiness opportunities. Now alipay, fast money want to take the brand of third party paymentcompanies in the original online payment business, began development under the line bankcard acceptance business shall be much attention, pay treasure more announced that it wouldinvest5million to promote offline payment system development.At present, due to the bank card collecting single license third party payment companiesstill do not have their own bank card payment system, therefore, the construction ofconforming to the third party payment business demand for personalized posp systemready-made draw priority. The third party payment business bank card payment system not only inherited the original bank payment system, but also to design a flexible routing system,in order to adapt to the future development in diversified business.This paper will design and implementation a posp system which based on the TCP/IPprotocol socket communication technology as the core, with the JAVA which now widelyused instead of C, and based on the original bank payment system reconstruction. This systemis composed of three parts: the management console, core system and settlement system. Coresystem will use TCP/IP realize the transaction transmission, management console will useStruts2+Spring+IBATIS to construct.This system can meet all kinds of the foreign currency bank card in the POS on theconsumption demand. After observing the actual operation situation, stable system operation,transaction processing speed is fast, and has high security, scalability, compatibility andconvenient. This system core platform communication architecture can be as product reuse,has important application value and Prospect of popularization and application, will producegood economic and social benefits.更多还原