The Design And Implementation Of CreditCard System Based On SOA

Service-oriented architecture, SOA is a component-based structural model, which integrates the functions of the different application modules (called services) through clear definitions of the interface and contracts between these services.Bank credit card system combines hardware, software, networks and various other state of art technology into one unit. The system includes functional modules such as applying for credit cards, issuing credit card, bill payment, credits authorization, late payment collection, fraud detection, controversial settlement, and parameter management. Such a high level complex, concurrent process requires a system with outstanding abilities of handling batch and concurrent processing.At present, both domestic and international market have showed that the mainstream credit card system are based on a closed system of non-SOA framework, which makes it more difficult to adapt to the rapid development of banking industry. Therefore, applying SOA-based architecture, and object-oriented analysis and design technology into the credit system, will enable the system to achieve coupling of loose-end functions, and better scalability. Implementation of such system will support transactions regarding multi-currency, multi-agency, multi-language, the vice card, credit card with multiple accounts, joint cards, corporate cards, and etc. With the use of channel access mode that is in compliance with the requirement of centralization of data processing, it achieves the unity of access of various financial channels. Supporting EMV, CVV, CVC2 standards, credit cards can be issued in line with international card organizations (such as VISA, Master, JCB, Diners, Amex, and CUP)This article provides general view of the current credit card system, and its shortcomings on the Web services workflow technology principles and framework, with discussion on ESB Enterprise Service Bus Technology principle and characteristics. The main focus here is how to use the newly developed Web service technology, along with the incorporation of the ESB into SOA structure, to achieve a Inter-Services Intelligence and intermediary management, and thus to build a Web services based architecture that can demonstrate better scalability, high-performance, and high processing capacity (SCIA). SCIA can fully satisfy the requirements of various banks in developing countries for the credit card business, which will establish a mega card processing volume and high-performance support through a very cost-effective approach. Such approach can help banks dramatically reduce the construction cost in building card center, operating cost in bank credit business, and related operating risks.The SOA-based credit card system has been successfully implemented in a bank overseas with 1 million credit card issuers at a smooth operation. The number of transactions was up to 40 times per second, which won considerable economic benefits for the bank.