Design And Implementation Of The Bank Financial IC Card System

With the vigorously issue of financial IC card in the Major domestic commercial banks,the matures of market environment, the support of People’s Bank, and the vigorously promoteof social security2.0specification，issuing PBOC2.0card becomes a powerful way to the bankto seize its market. According to the statistics of People’s Bank in Guangdong, by the end of2011,it has issued a total of2.16million financial IC card.At the same time,there are18,515ATM machines can be used for accepting PBOC2.0card,67,878associate POS machines,320,000direct Connect-contact POS machines,242,000non-contact POS machines. We cansay that the market of financial IC card improves fundamentally,the opportunity of issuingfinancialIC card has coming.The System achieves the financial IC card Business by three functional modules which isonline, batch and management platform. It is a complete business system products be based onfinancial IC card business. The system has achieved the financial IC card issuing management,product management, application management，micro-payment business and reconciliationliquidation functions, which solves the access and integration with the bank’s existing systemand business. It also provides strong support to the bank card for the transition from magneticstripe cards to IC card. Moreover,the system provides a solid foundation for Expansion of theindustry whose industry is based on financial IC card.This article makes a deep discussion in financial IC card system construction from twodifferent aspects, what is theory and practice. It comprehensively expounds the significance ofthe study,the research situation in domestic and foreign, the overall architecture, therefore, useTOPLink information exchange platform, SSH framework technology,ExtJS page technologyto build an efficient,safe, and practical financial IC card system.