Shulou(Shulou.com)06/01 Report--

Before talking about the online banking trading system, first of all, determine one thing, the balance is not in the bank card, the balance is ultimately in the core system of the bank. Bank cards, online banking and third-party payment platforms are just a few ways of data transactions.

Business types of online banking:

Query category: online account query, balance query, transaction details query

Transaction category: transfer remittance, online payment, self-service payment

Investment category

Service management category: personal settings, online banking settings, password settings, notification reminders, etc.

The related parties involved in online banking:

1. Online banking users: individuals, units, through online banking to obtain a variety of banking business

two。 Commercial banks: provide a variety of banking services to individuals or units through online banking

3. Partner: rely on online banking to provide online shopping, payment, recharge and other non-bank business services to individuals and units.

4.CA organization: issue digital certificates to the above three related parties and provide electronic authentication services

The composition of the online banking security system:

Client system:

All kinds of terminal systems based on Internet technology, PC, intelligent terminal and so on.

The main forms of implementation are: cryptographic equipment (USBkey, etc.), client software (operating system, cryptographic device driver, etc.), client network silver software and so on.

The client system is interconnected with the online banking system and the cooperative unit system through the Internet.

Online banking system:

To achieve online banking business services, online banking client management, online banking security and other functions.

External service module: realizing online banking service

User management module: to achieve security functions such as user information management and identity authentication

Data service module: realizing data storage function

Cryptographic equipment: realize the secret key security management and password security operation of the network banking system, including encryption machine, encryption card, etc.

The online banking system is interconnected with the core system of the bank through the private network and with the cooperative unit through the Internet.

Partner system:

Such as JD.com, Taobao, Unicom, Mobile, etc.

Bank core system:

To achieve the core business of the bank account processing and customer information management.

Interface system: the core business system is a background system, so the access to it is carried out through all kinds of service channels in the front section. No matter whether the customer's transaction comes from the teller system, ATM/POS, or other ways, such as telephone banking, online banking, customer service center, etc., the transaction will be transferred to the backstage core system to update the customer ledger and general ledger.

CA system:

Responsible for the management of digital certificate life cycle

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