电子商务(网站)系统的支付研究.docVIP

小额批量支付系统设计问题研究 摘 要 中国现代化支付系统是中国现代化支付清算体系的骨干系统，包括大额支付系统和小额支付系统两个业务处理系统。目前大额支付系统已经完成应用软件开发和在全国 31 个省会城市以及深圳市共 32 个城市的推广。按计划，将于 2005年进行小额支付系统应用软件的设计和开发。 本文对小额支付系统设计方面的诸多方面问题进行了深入的研究，提出了小额支付系统的框架结构，并对大业务量处理和存储效率、支付业务与信息业务的整合和界面界定、平台化设计要求等其中的难点和关键点进行了研究，提出了较为全面的解决办法。尤其是，针对小额支付系统的风险特点，提出了解决其风险问题的一揽子建议，并提出通过撮合算法尽量解决排队“三角债”问题，以提高流动性管理，使其成为小额支付系统的一个特色。 本文的研究，将对小额支付系统的开发和设计具有指导意义。按文中提出的方案和原则设计的小额支付系统，将较好地实现小额支付系统各项目标，并使其成为一个先进、高效的现代化清算系统。届时，我国的支付清算体系将跃上一个全新的台阶，具有巨大的经济效益和社会效益。 关键字：小额支付系统 设计 撮合 BSTRACT Chinese modernized payment system is the key system of Chinese modernizedpayment settlement system, including the High Value Payment System and the BulkPayment System .The High Value payment system has already finished theapplication software development and extension in 31 provincial capitals andShenzhen city at present. On schedule, we will carry on the design and developmentof the application software of the Bulk Payment System in 2005. This paper investigates many respects of the design of the Bulk PaymentSystem and propose the frame structure of the Bulk Payment System. This paperinvestigates the processing and store efficiency of the great business, the arrangementand interface define of the payment business and information business. Concerningthese respects, the paper finds the excellent solution method. Especially, concerningthe character of the risk of the Bulk Payment System, the paper gives many suggestions to solve the risk and propose the Match-method to solve the chain debts.The method can optimize the management and makes it to the character of the BulkPayment System. The research has important significance to the design and development of theBulk Payment System. Making use of the method in this paper, one can realize allobjectives of the Bulk Payment System and makes it to a advanced ,effective andmodernized settlement system. In future, Chinese payment settlement system will bemore obvious improvement and has great economic benefits and social benefits. Keywords: