The Design and Implementation of the Bank Channel Integration System under the Internet Financial Environment

摘要

Internet banking is one of the most fashionable words. As a new channel of banking, online banking has been developing rapidly in more than and 10 years, such as the convenience of shopping, payment, transfer and other operations, and has made a rapid development in the business volume, technical level and service content. Today, the Internet banking has been in turmoil is not only a channel, which is gradually becoming the important strength to influence the survival and development of the bank. With the deepening of China's financial reform, foreign financial institutions continue to enter the country, as well as the rise of Internet banking, the banking industry in China in the next ten years will face the brutal melee of a financial industry. A large wholesale show slow, high cost, low quality of service of financial banks will be eliminated, and the final outcome of the key, depending on who's service better quality, lower cost and expansion ability. In view of the problems such as the bank channel, the high maintenance cost, the weak ability of business expansion, and the poor security, this paper designs and implements a bank channel integration system under the Internet financial environment. The idea of the application of Internet banking system, using SOA (service oriented) theory and method into pounds of horizontal and vertical integration of banking operations, and the use of springMVC, Mybits, Mysql, RSA encryption technology and the open source technology, realize channel integration system of multi channels, high concurrency. The system helps to improve the competitiveness of banks in the financial environment of the Internet, so as to lay a good foundation for the bank's transformation and upgrading. In view of the problem that the bank channel is more and more, the development and the maintenance cost is too high, we put forward the design scheme of the bank channel integration system under the Internet financial environment. The solution to the horizontal integration channels of similar business, make a variety of channels can share a set of business process code; the solution to the different channels of repeat business development and high maintenance costs; cross channel mutual sharing of the program can also achieve customer information, enhancing the seamless inter channel customer experience. In view of the weak ability of medium and small banks, a financial ATM machine solution based on channel integration system is put forward. The financial ATM machine solutions, more of the bank counter business and three party payment services are implemented in the ATM machine, the bank vigorously expand business tentacles by installing the ATM machine in the community, streets and other large-scale way. People can also make W easier to use ATM for processing a variety of banking business, to increase customer viscosity, can be further extended to more banks through the ATM machine. In order to improve the security of the banking system, this paper adopts the method of request failure and sensitive information RSA encryption to realize the customer information security assurance system of the bank channel integration system. In the information security technology solutions, each customer request system will return a unique random code, the user initiates a request random code in the background and key verification, data are required to submit data validation, and to prevent tampering; in addition, the page display sensitive information on the delivery problem by sending information sent on RSA encryption method, to avoid leakage of customer information. On the basis of the above work, the paper develops the bank channel integration system, which consists of five layers: the channel layer, the service integration layer, the middle layer, the service layer and the core layer. The system is mainly to solve the banking channel is numerous, repeat business development and maintenance of the problem of h