Design And Implementation Of Mobile Banking System For Rural Credit Cooperatives Based On Paste Chip

With the rapid development of China's rural economy and marketization,more integrated services in capital and financial development are necessary in the rural areas,but the bank branches are relatively sparse,which brings inconvenience to the villagers.Besides,many problems bother the local people when they perform transactions at banks,and therefore in consideration of that,the management of rural banking services needs more investment,which of course adds difficulties to the management.In recent years,the continuous development of rural credit cooperatives in rural areas brings new opportunities to the rural areas,and especially with the spreading of mobile phone applications,almost every family is equipped with a phone,which explores new development to banking business in the rural areas and handling business by phone is more convenience for the local residents.To meet the needs claimed by a rural credit cooperative for the establishment of a mobile banking system,this thesis focuses on the following aspects: First,by analyzing problems encountered by the villagers and finding relevant solutions at home and abroad,the thesis puts forward to new plan about carrying out the mobile banking service.Secondly,determine the system project.The communication function is achieved by the SMD chip and the information exchange between mobile banks and server are realized through SMS.By fitting thin film chip closely with SIM card,keeping the original function of mobile phones and expanding mobile banking capabilities,the operations concerning the mobile banking can be done by texting messages.Compared with APP banking systems,the biggest advantage of mobile banking system is that it can work without the support of network,which is in favor of the expanding of clients.All in all,through the system,when withdrawal occurs,the client only needs to choose an agent and send the request by texting message,and then the agent will give money to the clients after receiving the confirmation message from the server of bank clearing center.Finally,by the business system testing and performance testing,reliability of the mobile banking system and correctness of the design proposal are verified.