电子银行系统的通讯安全问题研究

本文介绍了目前我国电子银行系统所采用的体系结构,讨论了现有结构所采用的通讯技术以及存在的安全问题,并总结了目前电子银行等电子商务应用中被广泛使用的核心技术.     

A Mini-Based Banking System

In Japan, on-line banking systems were the first systems to offer computerized services on a full scale. Indeed, together with seat reservation systems, banking systems led the technological development of on-line data processing systems in this country. The reasons for this were much the same as those that prompted the same phenomenon in the US:     

The infusion of expert systems in banking: An exploratory study

Numerous studies can be found on expert systems (ES) as a specific IT in the literature. However, their focus has been mainly on system development from a technical perspective. Based on an empirical study on expert systems diffusion in 20 British banking organizations, this paper reports the findings from the study. The study finds that ES infusion concentrated in specific processes that require extensive knowledge in banking. There is a strong organizational perspective towards expert systems development in these banking organizations rather than the technical perspective. ES diffusion and top management commitment are closely associated. The existence of IT strategy aligned with business strategy (and/or with an A1 element within it) is not a good predictor for ES adoptions. Three cases of expert systems applications in banking are given in the paper. These results are useful for practitioners in managing their intelligent systems projects and researchers for further studies in this area.     

ERP Usage in Banking: An Exploratory Survey of the World's Largest Banks

ABSTRACT

As banking is currently considered a non-typical area for ERP usage, the authors conducted a survey on anticipated benefits, potential disadvantages and implementation success associated with ERP adoption in banking. The results indicate that, despite a predominant usage of ERP systems in back-office areas, banks see ERP systems as a long-term strategic investment to support organizational effectiveness.     

中小企业网络安全实现分析

信息社会条件下,网络信息系统将在政治、军事、金融、商业、电力、交通、电信、文教等方面发挥越来越大的作用。现代化企业对网络信息系统的依赖正日益增强。同时随着各种新型网络业务的兴起如,电子商务、电子现金、数字货币、网络银行等,以及各种专用网络的建设,如金融网等,使得计算机及其网络系统的安全与保密问题显得越来越重要,成为企业难以回避的问题。该文分析了计算机网络安全的构成,中小企业网络安全存在问题,计算机网络安全威胁等,并在此基础上提出了采用防火墙技术和VPN技术等技术措施来提高企业网络安全的建议。     

Development of a quantitative model of the impact of customers’ personality and perceptions on Internet banking use

Despite the rapid increase of Internet users and cited benefits of using Internet banking, the number of Internet banking users has not risen as strongly as expected. In order to understand this problem, it is critical to understand how customers’ personalities and perceptions influence Internet banking use. In this study, a quantitative model of Internet banking use was developed, which incorporates four dimensions, namely, (1) openness toward advanced technology as an individual personality dimension, (2) website usability, including perceived usefulness and ease of use, (3) perceived security concern, and (4) green concern for conserving nature resources as the social influence dimension. The study investigates the moderating effect between these dimensions on Internet banking use. A survey instrument was used to gather data to estimate the proposed research model. The results show that openness, website usability, and perceived security concern significantly influence customers’ Internet banking use. In terms of moderating effects, all dimensions play an important role as a moderator on the relation between other dimensions and Internet banking use. Overall, the model helps to increase our understanding of how these dimensions interact to influence Internet banking use, which can help in the design of Internet banking and other e-channel systems.     

A hybrid distributed centralized system structure for transactionprocessing

A hybrid system structure comprised of distributed systems to take advantage of locality of reference and a central system to handle transactions that access non-local data is examined. Several transaction processing applications, such as reservation systems, insurance and banking have such regional locality of reference. A concurrency and coherency control protocol that maintains the integrity of the data and performs well for transactions that access local or non-local data is described. It is shown that the performance of the hybrid system is much less sensitive to the fraction of remote accesses than the distributed system and offers similar performance to the distributed system for local transactions     

Global Banking on the Financial Network Modelling: Sectorial Analysis

This article is particularly concentrated on measuring systemic risk based on network topology of bilateral exposures and obligations specifically for the sectoral level of global banking systems in 2010. Financial network models based on financial exposures are models that aim to depict causal chains of exposures and obligations of counterparties rather than rely solely on statistical correlations on market price-based data for financial institutions. Our starting point is the bilateral claims of the ultimate risk of the main institutional sectors that include banks, non-bank private sectors and non-allocated sectors of the 10 reporting countries that consist of Belgium, France, Germany, Italy, Japan, Spain, Switzerland, Turkey, the United Kingdom and the United States of America. The other non-reporting countries will be merged into one group. The results show that banking systems in countries such as the United States and the United Kingdom in particular are making vast amounts of foreign investments, implying that they constitute a central hub in the core. The results in the contagion effect show that all of the other countries are collapsed after a shock from a core country such as the United Kingdom in both rates of loss given defaults of 100 and 60 %.     

基于C# Socket编程的银行自动代发/代扣接口系统设计与实现

该文主要讲述如何实现企业系统与银行系统进行对接,完成企业财务的代发／代扣业务。如何实现企业级系统与银行系统进行通讯、数据传输。通讯方式主要是通过Socket（TCP／IP）来实现,传输报文通过RSA算法加密（它是第一个既能用于数据加密也能用于数字签名的算法）。此对接系统主要在．Net平台,运用C#语言开发,通过Socket编程实现系统之间通讯。     

一种使移动终端无缝接入传统网银系统的方案

提出一种将传统互联网银行系统平滑升级为手机银行的设计方案,满足传统网银服务系统在不做任何修改的条件下,能够同时提供互联网接入与移动互联网接入服务。通过引入代理服务器,移动终端被虚拟为电脑客户端,使得移动终端的接入在网银系统看来,即为传统互联网接入方式。同时,移动终端上的复杂运算由代理服务器完成,降低了终端的负荷,使终端简化成为远程操作的交互界面。另外,移动设备上采用智能存储卡作为签名设备,可以达到与网银上使用USBKey相同的安全性。     

基于SOA的银行集团“新一代”系统架构

大型商业银行集团在信息化的进程中面临内部系统众多、实现平台不统一、资源利用率低、成本高、需求响应周期长等弊端.随着我国银行业的快速发展,大型商业银行集团系统架构革新势在必行.本文重点介绍在“新一代”系统建设中采取的基于SOA的架构以及组件化设计的方法.通过7+1层、12P的整体架构设计,保证了应用组件、构件间的松耦合,实现子公司与海外一体化的企业级应用,从而整合银行集团资源、快速响应业务需求,达到提升业务可靠性、可用性的目的.与此同时,引入企业级业务模型对业务进行标准化,用结构化的模型语言描述业务能力,使用流程模型、数据模型、产品模型及用户体验模型为企业级分析及设计工作提供方法和依据.     

银行前置系统的设计与开发

随着社会经济的快速发展,金融体制也发生很大的变化,银行业金融机构的竞争日益激烈,各个银行要将前置系统的设计和开发作为重点,必须建立一个高效、稳定、兼容性和安全性高的银行前置系统,才能获得稳步的发展。基于银行前置系统的设计背景,阐述了系统总体设计方案,总结了系统中存在的问题及相应的解决措施,以期缓解银行核心系统的压力,为金融行业构建安全能力高、渠道整合能力强、开发能力快、可配置能力优越的信息系统提供参考意见。     

Using information-systems constructs to study online- and telephone-banking technologies

The research literature has seen a number of studies aimed at understanding customer attitudes towards banking technologies, and thereby providing implications for developmental planning and marketing. However, even though banking technologies have a significant amount of information systems (IS) component to them, there is a paucity of research that considers them from the IS perspective. In this paper, we fill this gap by considering three constructs, namely usefulness, ease of use and usage, that are all rooted in the IS literature. We study user’s perceptions of these constructs, as well as the relationships among them, for both online and telephone banking.     

Mathematical Modeling of the Effect of “Splashing out” and Optimization of Management of Banking and Economic Systems Under Globalization Conditions

The problem of mathematical modeling of the “splashing out” effect is considered. The existence of this phenomenon was observed some time ago by specialists-practitioners who were forced to make management decisions affecting the dynamics of banking and economic systems. The influence of this effect as one of important new phenomena must be taken into account in decision support systems of new generation. A mathematical definition of the coefficient of globalization of the world banking system is formulated.     

Using information-systems constructs to study online- and telephone-banking technologies

The research literature has seen a number of studies aimed at understanding customer attitudes towards banking technologies, and thereby providing implications for developmental planning and marketing. However, even though banking technologies have a significant amount of information systems (IS) component to them, there is a paucity of research that considers them from the IS perspective. In this paper, we fill this gap by considering three constructs, namely usefulness, ease of use and usage, that are all rooted in the IS literature. We study user’s perceptions of these constructs, as well as the relationships among them, for both online and telephone banking.     

Systemic banking crisis early warning systems using dynamic Bayesian networks

For decades, the literature on banking crisis early-warning systems has been dominated by two methods, namely, the signal extraction and the logit model methods. However, these methods, do not model the dynamics of the systemic banking system. In this study, dynamic Bayesian networks are applied as systemic banking crisis early-warning systems. In particular, the hidden Markov model, the switching linear dynamic system and the naïve Bayes switching linear dynamic system models are considered. These dynamic Bayesian networks provide the means to model system dynamics using the Markovian framework. Given the dynamics, the probability of an impending crisis can be calculated. A unique approach to measuring the ability of a model to predict a crisis is utilised. The results indicate that the dynamic Bayesian network models can provide precise early-warnings compared with the signal extraction and the logit methods.     

Strategy and impacts of expert systems for bank lending

Although banking applications of expert systems are becoming more common, little consideration has been given to either the strategies motivating their development or to the impacts resulting from their use. This paper describes the strategy and impacts of expert systems development and use in banking, in particular in the domain of bank lending. Copyright 1996 Elsevier Science Ltd     

企业管理系统中数据存储的可靠性探究

随着计算机应用系统的不断发展,数据量的爆炸性增长给计算机系统的性能带来了新的挑战,比如电信、银行、证券等行业,数据量大副增长,随着用户数量的不断增加,用户数据也在不断增大,大量数据需要传输和存储,产生了许多新的海量数据的系统结构。在这样的背景下,本文首先从可靠性的含义、计算分类、模型的建立等方面介绍了其基础理论,并在此基础了分析了企业管理系统中现有数据存储系统结构及问题,进而对企业管理系统中数据存储的可靠性进行了探究。     

基于Financial Fusion Server网络银行系统的开发与实现

以Financial Fusion Server为基本框架,整合银行多个不同的前端和后端系统,包括RBS（主机零售系统）、SBS（综合业务系统）、CCS（消费信贷系统）、FUND（基金系统）、BOND（债券系统）、CBSI（核心系统一期）、信用卡系统、NACS（主机会计系统）,论述了基于J2EE体系结构及其核心技术,采用MVC设计模式,使不同的前端和后端系统实现网上功能,从而使网银系统开发和实现简单化。     

Toward an understanding of the behavioral intention to use mobile banking

Although millions of dollars have been spent on building mobile banking systems, reports on mobile banking show that potential users may not be using the systems, despite their availability. Thus, research is needed to identify the factors determining users' acceptance of mobile banking. While there has been considerable research on the technology acceptance model (TAM) that predicts whether individuals will accept and voluntarily use information systems, limitations of the TAM include the omission of an important trust-based construct in the context of electronic/mobile commerce, and the assumption that there are no barriers preventing an individual from using an IS if he or she chooses to do so. Based on literature relating to the theory of planned behavior (TPB) and the TAM, this study extends the applicability of the TAM in a mobile banking context, by adding one trust-based construct (“perceived credibility”) and two resource-based constructs (“perceived self-efficacy” and “perceived financial cost”) to the model, while paying careful attention to the placing of these constructs in the TAM's existing nomological structure. Data collected from 180 users in Taiwan were tested against the extended TAM, using the structural equation modeling approach. The results strongly support the extended TAM in predicting users' intentions to adopt mobile banking. Several implications for IT/IS acceptance research and mobile banking management practices are discussed.