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The online payment interbank settlement system (IBPS, Internet Banking Payment System for short), commonly known as a super online banking, the People's Bank of China to improve the domestic online payment interbank clearing efficiency, and enhance the level of commercial banks online banking services, to better fulfill the central bank the payment clearing duties, and the construction of the second generation payment applications. Real-time arrival of online payment interbank settlement system to solve domestic first-generation payment systems interbank clearing efficiency is not high, can achieve the interbank transfer, interbank payment and other services, while supporting real-time interbank account information inquiries, to break down the major domestic banks Interoperability between online banking. The author as the backbone of the business, to participate in their own bank's construction of super online banking system, primarily responsible for business requirements analysis, functional acceptance, the acceptance of the system was the end of 2010 by the People's Bank of China, and the implementation of the coverage of the bank nationwide comprehensive range of on-line production. ACH Automated Clearing System in the United States to focus on worldwide the bank payment model for the industry. ACH has been a member of the 30 years of history, 90% of U.S. banks is automatic switching centers in the United States. For example, in the United States, the world's leading online payment system PayPal success is largely thanks to the presence of the ACH, PayPal only need a point of access, the entire network can Unicom, banks do not need to individually separate access, and can focus based account online to pay. In addition, each developed country has its own system of automatic switching center, established in the international trade competition, efficient commercial banking system. In this paper, using the UML modeling method to build various types of domestic bank the interbank payment online business model, based on J2EE technology framework for online banking system, the use of XML, Javascript, digital signatures and digital certificates, such as computer technology, to achieve a IS020022 financial industry General packets exchanged standard online payment interbank settlement system. The system is capable of real-time processing customers' online interbank credited interbank debit, online, online cross check online interbank signing electronic payment and settlement transactions from the actual promotion and business point of view, has accepted and recognized, is widely applied to public utilities, e-commerce payments, interbank fund transfer imputation, cross-bank account management, and many other areas of life, to provide customers with a novel, fast, convenient electronic channels Wui Road. Design and Implementation of the interbank settlement system to do a comprehensive study paid on commercial bank online, first introduced the significance of industry background and research and development of online payment interbank settlement system, and then introduces a variety of business scenarios and implementation process, combined with the bank the use of science and technology information, explained the technical level implementation details, given the reality and several possible embodiments. End, a summary and outlook.
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