外币卡商户收单系统的设计与实现-硕士学位.doc

外币卡商户收单系统的设计与实现-硕士学位.doc硕士学位论文
外币卡商户收单系统的设计与实现
作者姓名
学科专业
软件工程
指导教师
所在学院
论文提交日期
Foreign Currency Card Merchant Acquirer System Design
A Dissertation Submitted for the Degree of Master
Candidate:
Supervisor:
South China University of Technology
Guangzhou, China
华南理工大学硕士学位论文
外币卡商户收单系统的设计与实现
作者姓名: 指导教师姓名、职称: 教授
申请学位级别: 学科专业名称:软件工程
研究方向:项目管理
论文提交日期: 年月日论文答辩日期: 年月日
学位授予单位:华南理工大学学位授予日期: 年月日
答辩委员会成员:
主席:
委员:
摘要
外卡收单业务是指外卡持卡人通过国内某银行自动取款机或POS机办理人民币取现、消费、外币查询等业务。论文将阐述对外币卡商户收单系统的理解,提出了对项目的总体设计目标和应用系统的详细设计方案,以外币卡的各类业务交易信息数据及清算信息数据为管理对象,构建全新的外币卡收单交易处理、清算处理应用和控管平台。通过该平台提供完善的外币卡POS EDC及手工单交易处理机制、商户及终端管理机制、清算及清分机制、交易安全机制、风险监控机制和综合信息处理分析机制,客户提高了交易处理速度和风险控制能力。而且通过对外币卡商户收单系统实施EMV改造,使国内银行的外币卡收单业务符合国际卡组织的安全规范并全面支持符合EMV规范的IC卡和非EMV规范的磁条卡的交易和清算。
关键词:外卡收单;Struts;Spring;Hibernate
Abstract
The foreign card acquiring business is outside the cardholder by a domestic bank ATM or POS machines for RMB cash withdrawal, consumption, foreign currency check and other services. The paper will elaborate on the foreign currency card merchant acquiring systems understanding, put forward the overall design of the project objectives and detailed design of application systems, the types of business in a foreign currency card transaction data and settlement information for the management of information and data objects, build the whole new foreign currency card acquiring transaction processing, clearing processing applications and control platform. The platform plete and hand in foreign currency card POS and EDC single transaction processing system, merchants and terminal management, settlement and liquidate module, transaction security mechanisms, risk control mechanism and integrated information processing analysis system, customers increase the speed of transaction processing and risk control. And foreign currency card on the implementation of EMV merchant acquiring system transformation, so that domestic banks in foreign currency card acquiring business in line with international anizations meet sec