The Design And Implementation Of Hang Seng Bank's WeChat Banking System

Rely on cloud computing,payment,social network and application,search engines and other Internet tools to achieve business financing,payment and information intermediaries such as the rapid development of Internet banking of bank industry also put forward higher requirements.A simple combination of Internet banking is not a financial industry and the Internet,but in the realization of security,mobile and other network technology level,is the familiar user acceptance(especially on electronic commerce acceptance),naturally in order to adapt to the new requirements of new models and new business,is an emerging field of the combination of traditional financial industry and the spirit of the Internet.With the development of information and communication technology and Internet,the influence of Internet financial information on the financial market has become more and more important.From the point of view of each industry and informatization construction bank has been in the industry leading level,not only has the leading international financial information technology platform,composed of self-service banking,telephone banking,mobile banking and Internet Banking Electronic Bank three-dimensional service system is built,the addition based on Internet financial service innovation,but also the formation of the "portal" "online banking,financial products supermarket,business Yituo three financial business innovation service mode.Micro channel bank is an important part of the electronic banking system,the major domestic commercial banks after several years of development,its micro channel banking services have been very perfect,the basic realization of the bank’s various types of basic business.The micro channel bank and the banking services have been able to cover all mobile,China Unicom,telecommunications and other mobile phone users,customers can obtain all-weather service:query account and transfer/remittance of funds immediately to the account,the purchase of foreign exchange,the purchase of financial products,pay utilities,phone calls,online consumer paying in real time.With the rapid development of micro channel,in the face of such a big cake,the major domestic commercial banks,of course,will not be ignored.From 2013 domestic banks to launch the first real meaning of the micro channel bank,in less than two years time,the major domestic banks have launched their own micro channel public service number and micro channel banking services.And Hang Seng Bank in order to enhance the customer experience,better customer service,for users can be more convenient for a variety of business,reduce user correspondent bank outlets for a variety of business,in order to further extension of the electronic banking product innovation,reduce operating costs and to achieve precision marketing,we and Tencent micro channel cooperation,launched a their own micro channel bank business.And how to develop not only meet the functional requirements of the users,allows users to rest assured that the use,convenience,friendly user interface,reduce micro channel bank security problem is my thesis is going to study the problem,while also taking into account the bank the original intention of the system development,namely the reduced operating costs,improve customer loyalty,to achieve precision marketing.Through the Bank of the Hang Seng Bank micro channel product requirements,system architecture and implementation of the program,detailed description of the Bank of China’s micro channel system design and implementation.At present,the system has been successfully on-line running for six months time,received a positive feedback from the user,the first opening of micro channel bank of foreign banks,the bank had a positive impact on me.Micro channel bank’s outlook is good,the competition is fierce,we must seize the opportunity to develop,and constantly enhance the bank’s micro channel bank products and services.