基于混合模式的银校转账系统的建设和研究  

Research and Construction of Bank-School Transfer System Based on Mixed Mode

作　　者：陈云侠 张洋 CHEN Yun-xia;ZHANG Yang(Cyberspace Administration Office,Lanzhou University,Lanzhou 730000)

机构地区：[1]兰州大学网络安全与信息化办公室

出　　处：《现代计算机》2019年第31期80-85,共6页Modern Computer

基　　金：中央高校改善基本办学条件专项暨兰州大学智慧校园建设项目(No.815000-111601)

摘　　要：在分析传统校园卡系统中银校转账子系统存在的问题和局限性等基础上,通过引入银联POS机支付和互联网金融等新技术,研究并设计一种混合模式的智慧一卡通银校转账系统。详细讨论银校转帐系统的业务处理流程、体系结构、功能组成、系统安全策略等,并针对系统中专线自主签约快捷转账、专线非签约银联卡转账、互联网B2C网银转账和自动对账处理几个关键业务模块的实现原理和算法进行详细研究。另外,分析该系统的实际具体应用状况。该系统的设计对于高校同类一卡通系统的研究及建设具有较高的借鉴价值。Based on the analysis of the existing problems and limitations of the bank-school transfer subsystem in the traditional campus card system,studies and designs a mixed the smart card bank-school transfer subsystem by introducing new technologies such as POS payment machine and Internet finance.The business process flows,system structure,function composition and system security strategy of bank-school transfer subsystem are clearly discussed,and the principles and algorithms of several key business modules such as self-signed transfer mode,unsigned Union Pay card transfer mode,Internet B2C online bank transfer mode and automatic reconciliation process are also re searched.Besides,analyzes the actual application situation.The system design has a higher reference value in the research and construc tion of university campus card system.

关 键 词：互联网金融 智慧一卡通 银校转账 系统设计 

分 类 号：F83[经济管理—金融学]