嵌入式移动金融服务平台的设计与实现
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摘要
随着现代信息产业的蓬勃发展,以IT服务为主导的软件产业已经深入到人们生活的方方面面,尤其是在快速增长的移动服务市场方面,为人们生产生活服务的各种新的平台不断涌现,随之而来的却是这些新的服务平台的管理与整合问题日益成为移动服务市场的一大弊病。针对这种情况,提出了新的移动金融服务平台的开发与实现。
移动金融服务平台是一种基于嵌入式的B2C的软件系统平台,手机用户可以通过注册来享受系统提供的基本银行业务和基于地理位置的各种服务。而各种服务提供商(包括银行,酒店,机场等)都可以在该平台上进行基于位置信息的服务发布和服务销售,同时在整个过程中的现金流将由系统自动进行转账等一系列的操作处理,因此,这不仅仅是一个简单的M-Business的应用,而是有效的协同了从服务发布到服务销售到银行业务的整个过程。系统涵盖了服务行业产业链的流程的大部分过程,对服务商提供商来说,移动金融服务平台无疑给他们开拓又一新的市场。
移动金融服务平台的实现,集网络运营商,银行业务提供商,物流服务商,以及产品服务提供商为一体提供综合商务服务,对服务商的产品发布到产品收益的整个过程进行协同化的管理,引导。同时对移动用户提供基于位置的和随处可得的各种服务,并通过个性化的定制来进行理财和消费,成为一个真正销售服务的商城和发布服务进行投资的商城。
Along with the development of information industry, the software industry whose dominant part is Information Technology service has existed in every side of the people's usual life, especially in the mobile service market which is increasing fast, different kinds of new platform service for peoples' life and work are being used, however, how to manage and integrate those new platform is one fault in mobile service market. So, in this case, we have the idea of development and implementation of embedded based financial service platform.
The financial service system is a software system platform which is based on embedded and B2C, the mobile phone user can get the base bank service supplied by the system and kinds of services based on geographical position. The entire service provider, including the bank, hotel and airport, can publish the services based on the geography position information and sale the services on the mobile financial service system. At the same time, the cash flow in the whole process could be dealt automatically, such as the transfer. So, this is not a simple M-Business application, but cooperates effectively with the whole process from the services publishing to the selling. The system covers the most part of the process of the flow of the service industry's industrial chain, means a new market for the service provider.
The implementation of the mobile financial service system, makes it become a comprehensive business platform integrated with internet service provider, finance service provider, logistics service provider and product provider, and also makes it possible to provide cooperative management and lead the whole process which is from product publish to product proceeds. At the same time, it can provide the mobile phone user the GIS(Geography Information System) based service, make them finance and consume through personalized service customization, so, it can become one emporium where you can sale you service or publish service for financing.
移动金融服务平台是一种基于嵌入式的B2C的软件系统平台,手机用户可以通过注册来享受系统提供的基本银行业务和基于地理位置的各种服务。而各种服务提供商(包括银行,酒店,机场等)都可以在该平台上进行基于位置信息的服务发布和服务销售,同时在整个过程中的现金流将由系统自动进行转账等一系列的操作处理,因此,这不仅仅是一个简单的M-Business的应用,而是有效的协同了从服务发布到服务销售到银行业务的整个过程。系统涵盖了服务行业产业链的流程的大部分过程,对服务商提供商来说,移动金融服务平台无疑给他们开拓又一新的市场。
移动金融服务平台的实现,集网络运营商,银行业务提供商,物流服务商,以及产品服务提供商为一体提供综合商务服务,对服务商的产品发布到产品收益的整个过程进行协同化的管理,引导。同时对移动用户提供基于位置的和随处可得的各种服务,并通过个性化的定制来进行理财和消费,成为一个真正销售服务的商城和发布服务进行投资的商城。
Along with the development of information industry, the software industry whose dominant part is Information Technology service has existed in every side of the people's usual life, especially in the mobile service market which is increasing fast, different kinds of new platform service for peoples' life and work are being used, however, how to manage and integrate those new platform is one fault in mobile service market. So, in this case, we have the idea of development and implementation of embedded based financial service platform.
The financial service system is a software system platform which is based on embedded and B2C, the mobile phone user can get the base bank service supplied by the system and kinds of services based on geographical position. The entire service provider, including the bank, hotel and airport, can publish the services based on the geography position information and sale the services on the mobile financial service system. At the same time, the cash flow in the whole process could be dealt automatically, such as the transfer. So, this is not a simple M-Business application, but cooperates effectively with the whole process from the services publishing to the selling. The system covers the most part of the process of the flow of the service industry's industrial chain, means a new market for the service provider.
The implementation of the mobile financial service system, makes it become a comprehensive business platform integrated with internet service provider, finance service provider, logistics service provider and product provider, and also makes it possible to provide cooperative management and lead the whole process which is from product publish to product proceeds. At the same time, it can provide the mobile phone user the GIS(Geography Information System) based service, make them finance and consume through personalized service customization, so, it can become one emporium where you can sale you service or publish service for financing.
引文
[1]孙杰贤.挡不住的移动银行.通讯世界, 2009, (4): 64-66
[2]陆斌,周凡.以Web服务为基础的多渠道移动银行系统.计算机应用, 2005, 25(S1): 464-467
[3]陈琦,王莲花,凌琳.浅谈移动银行.科技广场, 2007, (9): 245-246
[4]黄兴红. GPRS, WAP和移动电子商务.电信科学, 2000, (5): 65-67
[5]林野.浅谈新一代手机银行的发展.数字通信世界,2005, (1): 50-52
[6]李娜.日本、韩国移动支付模式的启示.黑龙江科技信息, 2008, (24): 72
[7]陈静.移动银行在中国的发展趋势.中国信用卡,2002, (6):113
[8]赵琴.我国移动银行发展研究.经营管理者, 2008, (15): 113
[9] Ken Hansen.移动支付和3G应用.电子商务, 2006, (3): 40-41
[10]张锋.移动支付应用和发展研究.中国金融电脑, 2005, (12): 58-61
[11]张锋.移动支付应用和发展研究续.中国金融电脑, 2006, (2): 63-66
[12]张兰芳.浅谈B2C电子商务存在的问题与对策.内江科技, 2008, (5): 133
[13]周贤林,冯山.基于.NET 2.0框架的大型B2C交易平台设计与实现.现代计算机, 2009, (3): 147-149
[14]周忠谟,易杰军,周琪. GPS卫星测量原理与应用.北京:测绘出版社, 1997: 75-76
[15]韩海洋,龚建雅,袁相儒. Internet环境下用Java/JDBC实现地理信息的互操作与分布式管理及处理.测绘学报, 1999, 28(2): 177-183
[16] Andrej Vckovski. Interoperatable and Distributed Processing in GIS. Taylor & Francis, 2007: 21-23
[17] Andrew S. Tanenbaum. Computer Networks. Prentice Hall PTR, 2004: 231-232
[18]李德仁,关泽群.将GIS数据直接纳入图像处理.武汉测绘科技大学学报, 1999, 24(1): 1-5
[19]袁相儒,龚建雅,林辉等.异构地理信息处理环境互操作的Internet GIS方法.武汉测绘科技大学学报, 1999, 24(3): 194-197
[20] J. C. Hinton. GIS and Remote Sensing Integration for Environmental Applications. International Journal of Geographical Information Science, 1996, 10(7): 877-890
[21]位元文化. JavaApplet程序设计实务.北京:中国铁道出版社, 2001: 156-160
[22] Len Bass, Paul Clements, Rick Kazman. Software Architecture in Practice. Addison Wesley, 2003: 16
[23] Kosters G., Pagel B-U., Six H-W. GIS-application Development with GeoOOA. International Journal of Geographical Information Science, 1997, 11(4): 307-335
[24]胡鹏,黄杏元,华一新.地理信息系统教程.武汉:武汉大学出版社, 2002: 187-190
[25] Christopher B. Jones. Geographical Information Systems and Computer Cartography. Prentice Hall, 1997: 19-24
[26] Mark Birkin, Graham Clarke, Martin P. Clarke. Intelligent GIS: Location Decisions and Strategic Planning. Wiley, 1996: 150-152
[27]胡友健.全球定位系统(GPS)原理与应用.武汉:中国地质大学出版社, 2005: 25-27
[28] Elliott D. Kaplan, Christopher J. Hegarty. Understanding GPS Principles and Applications. Artech House Publishers, 2002: 37-40
[29] James Bao-Yen Tsui. Fundamentals of Global Positioning System Receivers: A Software Approach. John Wiley & Sons, Inc., 2005: 96-100
[30]马小明,薛贺,邓正宏.基于VoiceXML的交互式语音应答系统的设计与实现.微电子学与计算机, 2006, 23(3): 100-103
[31] Rick Beasley. Voice Application Development with VoiceXML. SAMS, 2002: 62-63
[32] Larson James A. VoiceXML and the W3C speech interface framework. IEEE Multimedia, 2003, 10(4): 91-93
[33] Meng Helen, Li Yuk-Chi, Fung Tien-Ying, et al. Bilingual Chinese/English voicebrowsing based on a voiceXML platform. Proceedings-IEEE International Conference on Acoustics, Speech and Signal Processing, 2004, (3): 769-772
[34]谢希仁.计算机网络.北京:电子工业出版社, 2008: 178-182
[35]陈建飞.地理信息系统导论.北京:科学出版社, 2003: 212-220
[36]白广元. Java Web完全自学手册.北京:机械工业出版社, 2008: 190-192
[37]萨师煊,王珊.数据库系统概论,北京:高等教育出版社, 2002: 200-201
[38] Leszek A. Maciaszek. Requirements analysis and system design: developing information systems with UML. Addison-Wesley Longman Ltd., 2003: 225
[39] C. Ou-Yang, S. J. Hon. Developing an agent-based APS and ERP collaboration framework. Int J Adv Manuf Technol, 2008, (35): 943-967
[40]郭群.软件测试与设计技术.电脑知识与技术, 2007, (17): 1323-1324
[2]陆斌,周凡.以Web服务为基础的多渠道移动银行系统.计算机应用, 2005, 25(S1): 464-467
[3]陈琦,王莲花,凌琳.浅谈移动银行.科技广场, 2007, (9): 245-246
[4]黄兴红. GPRS, WAP和移动电子商务.电信科学, 2000, (5): 65-67
[5]林野.浅谈新一代手机银行的发展.数字通信世界,2005, (1): 50-52
[6]李娜.日本、韩国移动支付模式的启示.黑龙江科技信息, 2008, (24): 72
[7]陈静.移动银行在中国的发展趋势.中国信用卡,2002, (6):113
[8]赵琴.我国移动银行发展研究.经营管理者, 2008, (15): 113
[9] Ken Hansen.移动支付和3G应用.电子商务, 2006, (3): 40-41
[10]张锋.移动支付应用和发展研究.中国金融电脑, 2005, (12): 58-61
[11]张锋.移动支付应用和发展研究续.中国金融电脑, 2006, (2): 63-66
[12]张兰芳.浅谈B2C电子商务存在的问题与对策.内江科技, 2008, (5): 133
[13]周贤林,冯山.基于.NET 2.0框架的大型B2C交易平台设计与实现.现代计算机, 2009, (3): 147-149
[14]周忠谟,易杰军,周琪. GPS卫星测量原理与应用.北京:测绘出版社, 1997: 75-76
[15]韩海洋,龚建雅,袁相儒. Internet环境下用Java/JDBC实现地理信息的互操作与分布式管理及处理.测绘学报, 1999, 28(2): 177-183
[16] Andrej Vckovski. Interoperatable and Distributed Processing in GIS. Taylor & Francis, 2007: 21-23
[17] Andrew S. Tanenbaum. Computer Networks. Prentice Hall PTR, 2004: 231-232
[18]李德仁,关泽群.将GIS数据直接纳入图像处理.武汉测绘科技大学学报, 1999, 24(1): 1-5
[19]袁相儒,龚建雅,林辉等.异构地理信息处理环境互操作的Internet GIS方法.武汉测绘科技大学学报, 1999, 24(3): 194-197
[20] J. C. Hinton. GIS and Remote Sensing Integration for Environmental Applications. International Journal of Geographical Information Science, 1996, 10(7): 877-890
[21]位元文化. JavaApplet程序设计实务.北京:中国铁道出版社, 2001: 156-160
[22] Len Bass, Paul Clements, Rick Kazman. Software Architecture in Practice. Addison Wesley, 2003: 16
[23] Kosters G., Pagel B-U., Six H-W. GIS-application Development with GeoOOA. International Journal of Geographical Information Science, 1997, 11(4): 307-335
[24]胡鹏,黄杏元,华一新.地理信息系统教程.武汉:武汉大学出版社, 2002: 187-190
[25] Christopher B. Jones. Geographical Information Systems and Computer Cartography. Prentice Hall, 1997: 19-24
[26] Mark Birkin, Graham Clarke, Martin P. Clarke. Intelligent GIS: Location Decisions and Strategic Planning. Wiley, 1996: 150-152
[27]胡友健.全球定位系统(GPS)原理与应用.武汉:中国地质大学出版社, 2005: 25-27
[28] Elliott D. Kaplan, Christopher J. Hegarty. Understanding GPS Principles and Applications. Artech House Publishers, 2002: 37-40
[29] James Bao-Yen Tsui. Fundamentals of Global Positioning System Receivers: A Software Approach. John Wiley & Sons, Inc., 2005: 96-100
[30]马小明,薛贺,邓正宏.基于VoiceXML的交互式语音应答系统的设计与实现.微电子学与计算机, 2006, 23(3): 100-103
[31] Rick Beasley. Voice Application Development with VoiceXML. SAMS, 2002: 62-63
[32] Larson James A. VoiceXML and the W3C speech interface framework. IEEE Multimedia, 2003, 10(4): 91-93
[33] Meng Helen, Li Yuk-Chi, Fung Tien-Ying, et al. Bilingual Chinese/English voicebrowsing based on a voiceXML platform. Proceedings-IEEE International Conference on Acoustics, Speech and Signal Processing, 2004, (3): 769-772
[34]谢希仁.计算机网络.北京:电子工业出版社, 2008: 178-182
[35]陈建飞.地理信息系统导论.北京:科学出版社, 2003: 212-220
[36]白广元. Java Web完全自学手册.北京:机械工业出版社, 2008: 190-192
[37]萨师煊,王珊.数据库系统概论,北京:高等教育出版社, 2002: 200-201
[38] Leszek A. Maciaszek. Requirements analysis and system design: developing information systems with UML. Addison-Wesley Longman Ltd., 2003: 225
[39] C. Ou-Yang, S. J. Hon. Developing an agent-based APS and ERP collaboration framework. Int J Adv Manuf Technol, 2008, (35): 943-967
[40]郭群.软件测试与设计技术.电脑知识与技术, 2007, (17): 1323-1324