SOA has been the effective technical solution to enterprise application integration and business process rebuilding. The paper presents a reference implementation scheme of Commercial Bank Card System based on SOA. In requirement tier, the implementation plan first establishes the full concept model and logical model of Commercial Bank Card System from business request(business use case-business step-atomic business) to system request (system use case-system step-atomic component), then in semantics tier, we give out full description of the model through the combination of OWL and BPEL. At last a SOA’s three-tier framework of “requirement-semantics-service” has been built for the Commercial Band Card System.