【作者】 高岩；

【导师】 胡飞； 余永进；

【作者基本信息】 上海交通大学 ， 软件工程（专业学位）， 2016， 硕士

【摘要】 伴随着金融服务实现电子化进程的不断推进,磁条卡逐步被金融IC卡取代将成为发展趋势。金融IC卡由于其在安全、成本、便捷等方面所具有的先天优势,未来将适应越来越多样化的用户使用场景,成为人们日常生活中主流的支付结算手段。本文设计和实现了一套统一的平台,该平台实现了IC卡在互联网上的多种应用,IC卡持卡人通过IC卡互联网终端,可以在此平台上进行在线消费、电子现金圈存、余额查询、交易查询、行业卡余额查询等多项操作,不仅扩大了IC卡的使用范围,而且降低了持卡人的使用门槛,具有一定的社会效益。论文的主要工作与贡献如下:1)本文首先分析了国内外金融IC卡的发展现状和发展趋势,指出了各家平台相互独立的局限性和发展统一IC卡服务平台的必要性。2)从平台功能、业务模型、用例分析等方面对平台进行了需求分析与建模。3)详细说明了平台架构设计、端口设计、数据库设计、以及功能层次设计。4)详细介绍了用户登录、IC卡关联绑定、电子现金圈存等模块的实现,以及终端与IC卡数据交互的实现、终端与服务端安全通道的建立与实现。5)最后通过对平台的测试、部署和试运行,表明平台在试运行期间具备较好的稳定性,验证了平台的设计达到了预期的目标。论文所实现的平台,已经在公司的IC卡互联网业务网站得到成功部署和应用,经过近一年的试运行,系统数据运行可靠、安全,极大提升了用户的使用便捷度。本系统也为IC卡的应用平台设计与实现提供了成功的经验,后续会随着业务的开展,不断对平台进行改进和优化。更多还原

【Abstract】 With the development of the computerized financial services,the magnetic strip card is gradually migrating to financial IC card,the latter one becoming the dominate payment tool in daily life.The IC cards bear various advantages,such as,more secured,transaction cost reduced,user-friendly,multiple inter-communication methods supported,etc.,which enable it to adapt to the more and more complicated and diverse user scenarios.Based all the general background mentioned above,this Article proposes to study and design a consolidated platform,which can realize multi-application of IC cards on the Internet,to enable the card holders to use IC card internet terminal to make online payment,credit for load with electronic cash,inquires for balance and transaction details,deposit for industrial-based accounts,etc.This platform will broaden the usage for IC cards,and also lower the usage entry barrier for card holders,and thus has many social benefits.This Article is divided into the following parts:Firstly,it analyzes the current and trend of IC cards in both domestic and overseas markets.By pointing out the limitations of the various platforms,it leads to the necessity of developing a unified IC cards service platform.Secondly,it analyzes the demand of this platform with modeling from aspects of platform function,business model,use-case analysis,etc.Then using the analysis results for modeling.Thirdly,it describes the platform infrastructure,interface design,database design,as well as the functional layer design.Fourthly,it describes the implementation of IC cards Bind module,credit for load module,data exchange between terminal and IC cards,etc.And it describes the establishment and implementation of security channel between terminal and server.Finally,it examines the stability of the platform,which is presented through testing,deployment,and pre-launch testing,to prove that the platform has reached the expectations.The platform realized under the described design of this Article,has already be implemented and applied on the IC cards online business website.With almost one-year prelaunch testing,the system has shown a stable and secured performance,meantime proves to be very user-friendly.The system also contributes as a success case for the design and realization of IC cards platform.There will also be an ongoing optimization and modification of this platform with the continued implement and development of the business.更多还原