【作者】 王小红；

【导师】 姜建国； 程岳；

【作者基本信息】 西安电子科技大学 ， 工程硕士（专业学位）， 2015， 硕士

【摘要】 金融IC卡是指由商业银行发行、以集成电路芯片为介质、承载由中国人民银行指定的IC卡金融行业规范应用、具有金融支付等功能的银行卡。金融IC卡的应用,可有效提高银行风险管控和金融创新水平,营造便利、安全、放心的支付环境,保护持卡人、商户和银行的合法权益。金融IC卡中的电子现金方便,不要找零,但电子现金标准采用PBOC2.0标准,仅仅支持人民币,不支持多币种。电子现金类交易,在通讯超时的情况下,需要柜员手工处理电子现金脚本,要求客户本人持有效证件到柜面办理,不方便客户。只能联机进行圈存,缺少批量预圈存功能等问题。本论文结合金融IC卡的发展需求,以西安银行为例,通过具体分析用户详细需求,采用JAVA技术基于J2EE框架,采用oracle数据库管理系统,设计并实现了电子现金特色业务子系统。首先对业务人员提出的业务需求进行分析,形成软件需求规格说明书。然后对系统架构,数据库进行分析与设计。接着对电子现金管理、电子现金查询、电子现金交易、电子现金差错处理等重点业务进行详细设计与实现。最后对系统的功能和性能进行了详细的测试。该电子现金子系统数据定义采用人民银行最新的标准PBOC3.0,预留了12个小额扩展应用,支持多币种电子现金。新增了自动补充电子现金脚本功能,在通讯超时的情况下,系统自动核对前后台的交易数据,判断是否需要补发电子现金脚本,系统自动处理,无需人为参与。新增了批量预圈存功能,柜员根据客户需要,对圈存金额、频率进行设置,系统根据用户配置规则,批量生成预圈存脚本。本系统较好地解决了与商业银行现有的系统、现有业务的融合,为磁条卡过渡到金融IC卡提供了有力保障,同时为基于该卡的多行业应用拓展提供了坚实有力的基础。测试结果表明:该系统部署灵活,减少了后期扩充维护难度;可靠性高,具有良好的数据备份和恢复功能,保证了数据的稳定和可靠,高效的联机处理能力和并发处理能力,使得主机能承受不断堆积的面向连接的应用请求;扩展性强,系统的设计中和源程序的编码中都留有可对系统进行功能扩展的接口,为系统升级完善做好了充分的准备。对商业银行系统工程应用有较好的参考和实用价值。由于个性化日志输出格式受到框架限制,金融IC卡电子现金目前仅支持人民币,加密机采用直接接口调用,电子现金多应用领域还未打开,所以这些都是接下来要进一步研究的问题。更多还原

【Abstract】 Finance IC cards are the bank cards issued by commercial banks. They use integrated circuit chips as media, deal with the IC card financial applications within industrial standards specified by the People’s Bank of China, and have financial payments. The use of finance IC cards can effectively improve the levels of bank risk management and finance innovation, construct the convenient, secure and assured environment for payments, and protect the legal rights of card holders, merchants and banks. Electronic cash of finance IC cards is convenient to payment without change, but electronic cash adopts the PBOC2.0 standard, which has not supported currencies with exception to RMB. Bank clerks have to require the valid credentials of customers of their own and handle the scripts of electronic cash manually when communication for electronic cash payments is time out, which is inconvenient. In additions, loading can be made only in an online way, lack of the function of pre-loading in bulk.In this paper, a subsystem with the electronic cash characteristic was designed and implemented, which considers the development requirements of finance IC cards. Xi’an Bank is used as an example for analyzing the user’s requirements in details. Java technology based on J2 EE and the Oracle database management systems were adopted. The business requirements were analyzed for forming the requirement specifications. Then, some important business functions such as the management, transaction, query and error handling of electronic cash, were designed and implemented. At last, the function and performance of the subsystem was specifically tested. The data definitions of electronic cash adopted the lasted standard PBOC3.0 issued by the People’s Bank of China, and reserved 12 extension applications for small amount, supporting electronic cash with multiple currencies. The function of automatically adding scripts of electronic cash was implemented, through which clerks can set the amount and frequency of loading in terms of the demands of customers, and the scripts for pre-loading can be generated in bulk according to user configuration rules. This system works very well together with existing systems and businesses in commercial banks, and therefore provides a powerful guarantee for finance IC cards and also lays a tough foundation for extending the multiple industrial applications of finance IC cards.The testing results show the following facts. The subsystem can reduce the cost of later maintenance because of its flexible deployment. It has high stability and reliability by the ability of better data backup and recovery. Efficient online processing and concurrent processing provides host machines with ability of continually handling connection oriented application requests. It also has high extensibility because system interfaces are provided for function extension of future in the design and source codes, which is ready to upgrade systems. These features are good and pra ctical to system engineering and applications of commercial banks.The future work includes as follows. The finance IC cards currently only support RMB because the output format of personalized logs is confined with the framework. Encryptor is directly called by interface calls. Multiple application areas of electronic cash have not been opened. All these problems will be explored and addressed in the future work.更多还原