(1) greatly reduces the operating costs of banks and effectively improves their profitability. The second line of Internet I mainly uses public network resources. There is no need to set up physical branches or business outlets, which reduces the personnel cost and improves the efficiency of the bank back-office system.
(2) There is no limitation of time and space, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking business, and has the characteristics of 3A, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.
(3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services. Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to banking, customers can easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services. 1, e-wallet system
E-wallet is a common payment tool in e-commerce shopping (especially small shopping). E-wallet users usually have accounts in banks. When using e-wallet, first install the corresponding application software, and then use the e-wallet service system to input electronic money into your account. When receiving and paying, users only need to click on the corresponding items on the computer. The system is equipped with the function management module of electronic money and electronic wallet, which is called electronic money wallet manager. Users can use it to change passwords or security methods, and use it to view accounts, lists and other data of electronic money receipts and payments in their bank accounts. An electronic transaction recorder is also provided in the system, and customers can know their shopping records by querying the recorder.
2. Payment Gateway
The payment gateway is the interface between the bank's financial system and the Internet, and it is a set of servers connecting the bank's internal network and the Internet. Its main function is to complete the communication, protocol conversion and data encryption and decryption between them, thus protecting the security of the bank's internal network. Without payment gateway, the electronic payment function of online banking cannot be realized.
With the continuous growth of online market, online transaction processing will become the basic function of every payment system. Nowadays, merchants are often inefficient in data transmission. With the payment gateway, this problem can be effectively solved, so that banks or traders can maintain their due efficiency in the case of rapid development of the online market and increasing online transaction volume.
3. Safety certification
The establishment of E-commerce Certification Authority (CA) is to solve the identification of identities and credits of participants in e-commerce activities, maintain the security of trading activities, and fundamentally ensure the smooth progress of e-commerce transactions. It is very important to enhance the trust of all parties in online transactions, improve the safety of online shopping and online transactions, control transaction risks and promote the development of e-commerce.