| With the rapid development of information technology and its applications,internet finance has shown a rapid development trend.At the same time,in order to rapidly develop internet finance business,banks have also launched their own internet-based business products,among which remittances are the most frequently used one by ordinary people.Therefore,for banks,how to transfer speedily,efficiently and safely has become a research hotspot.The J2EE-based network payment platform is an effective way to solve this problem.First of all,the author introduces the background of the network payment platform and its corresponding research both at home and abroad,as well as the relevant technical requirements.Meanwhile,the author also makes an introduction of the network payment platform using J2 EE platform based on Spring Hibernate and other open source framework.Secondly,the author carries out an elaborative demand analysis,a system function design and a system development realization of the network payment platform.The design of network payment platform simulates the real acceptance process of transfer business,and focuses on the following four issues:How to solve the bank's internal problems such as inconsistent technology of various payment systems,low efficiency and high cost of development,poor software reusability,low efficiency of operation,etc;seeking common ground while reserving differences and keeping unified interfaces for different payment systems;how to intelligently select the payment system through the intelligent trial calculation module according to the transfer information submitted by the customer;how to handle the business normally under the premise of high concurrency by using the loadbalancing module,yet without affecting the customer experience or the settlement of bank funds.Finally,the practical test of the network payment platform,it can promote the efficient operation of banks,reduce the banks' handling fee in the payment settlement process.And,with the help of the network payment platform,banks could bring good customer experience to customers,increase the customer's use viscosity of the bank's financial products,so as to enlarge the customer group and consolidate the bank's customer base,so as to contribute to the banks' further expansion of the internet finance business. |
