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A Rationale-based Model for Architecture Design Reasoning

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7.1. The EFT system<br />

reasoning, a comparison of the original specifications and the AREL model was made in<br />

consultation with payment system design experts. The experts who participated in this<br />

study are familiar with the design of electronic payment systems. The original specifications<br />

were presented and the experts were asked about the design of the system. Answers<br />

were obtained <strong>based</strong> on the design specifications and their prior knowledge of payment<br />

systems. These were compared with the answers obtained after the AREL model had been<br />

presented later to check if additional understanding could be gained.<br />

In this chapter, we discuss the case study in Section 7.1. In Section 7.2, we use the<br />

empirical study to validate the AREL method.<br />

7.1 The EFT system<br />

The People’s Bank of China Guangzhou branch (PBC-GZ) is a central bank branch which<br />

is responsible <strong>for</strong> the financial monitoring and inter-bank payment and settlement of the<br />

financial centre Guangzhou and its neighbouring cities. The Electronic Fund Transfer<br />

System (EFT) was built by the author and his team to transfer and settle high value<br />

payments between all the commercial and specialised banks in the provincial and neighbouring<br />

cities. It serves an area with a population of over ten million people in Southern<br />

China. The EFT system also acts as a gateway to connect these local banks to the national<br />

payment network. The EFT system comprises the High Value Payment System (HVPS)<br />

and Settlement Account Management System (SAM). The backbone of the system is the<br />

architecture design which provides the processing services infrastructure <strong>for</strong> the on-line<br />

fund transfers between the member banks and the central bank.<br />

Being a mission critical system, the EFT system was carefully designed, thoroughly<br />

tested and documented. Although it comprises extensive specifications and documentation,<br />

the design rationale was either buried in the text of the specifications or they were not<br />

captured. There<strong>for</strong>e it might be difficult to understand its intricate design when designers<br />

have to analyse the system to make changes.<br />

7.1.1 The EFT architecture overview<br />

In this case study, we present the system and software architecture of selected key areas<br />

of the EFT system. In particular, the message processing and exchange mechanism is<br />

described. This area of the architecture is selected because it involves intertwining nonfunctional<br />

requirements such as per<strong>for</strong>mance, reliability, recovery and security. Due to<br />

confidentiality and security reasons, detailed descriptions of the internal mechanisms of<br />

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