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  • 學位論文

應用開放源碼軟體實做銀行付款閘道

THE IMPLEMENTATION OF BANKING PAYMENT GATEWAY USING OPEN SOURCE SOFTWARE

指導教授 : 王永心
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摘要


在銀行內部大型帳務主機與網路ATM間,有通訊的差異也有格式的差異。這部份的通訊或格式轉換,通常不會放在收單平台也不會放在大型帳務主機,而會獨立抽出於一個中立的中介軟體,做為通訊或格式轉換的橋接。任何銀行都需要付款閘道系統(Payment Gateway System)來處理金融交易,而一個金融交易之背後需與內部帳務主機、收單平台、網路銀行或設備(例如加解密主機)溝通,其內部會產生一連串要求訊息,並因訊息內容不同,而動態使用不同的處理邏輯及調節送至不同的通路,最後由傳送結果,決定該交易是否成功。一般銀行之付款閘道系統因受限於經費常不易維護,有重新設計之必要。本研究是以金融業為對象,目的在利用物件導向之開放源碼來實作一個銀行付款閘道系統,首先把主程式及交易邏輯程式碼分開,將主程式抽出後,依其功能,區分為不同處理單元,讓每個處理單元只負責處理單一功能,達到系統模組化。另外,把每個交易程式邏輯個別獨立,方便交易維護;交易格式設定由文字檔改XML格式設定以簡化之。如此,維護人員能快速增加交易且方便維護設定。本研究以案例公司為例,改善其原付款閘道系統不易維護的缺失,並解決異質系統間資料格式與通訊協定不同而衍伸之轉換問題,達到系統模組化及交易維護簡單之目的。

並列摘要


Between the large accounting host and network ATM in the bank, there are differences in communications and data format. The part of their conversion is normally not placed in a single acquiring platform or the accounting host, which instead will put in a neutral middleware as the bridge for such conversion. Any bank will need a payment gateway system (PGS) to handle financial transactions, and behind the transactions there exists the needs to communicate with the internal accounting host, acquiring platform, Internet banking or equipment (such as encryption and decryption host). According to different request messages the PGS will use different processing logic and adjustment to dynamically send the transaction to different channels, and the final result will decide if the transaction is successfully done. A general PGS often requires re-design due to the difficulty to maintain with limited funding. This study aims at using object-oriented open source to implement a bank payment gateway system for the financial industry. First of all, the main program and the code of transaction logic are separated, and in accordance with its function to distinguish between different processing units, so that each processing unit is only responsible for dealing with single function to achieve the system modularity. In addition, the programming logic of each transaction is implemented independently for the ease of maintenance; transaction format settings are also simplified from text file to the XML format. This way, maintenance personnel can easily increase a transaction and maintain the setting. In this study, we consider a case company for example, to improve their original PGS by solving the conversion problems between heterogeneous systems and achieve the purpose of system modularity and the ease of transactions maintenance.

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