The Application And Research Of The Payment Gateway In The Fields Of Modern Electronic Commerce

Electronic commerce is one of the most pop topics. It is a brand-new business affair. Electronic commerce is an activity that exchanges business data and develop business operation by adopting digital electronic mode. Electronic commerce system is composed of each element, which relates to business activity, including shops, customers, financial institutions, governments and so on. They achieve online transactions by using computer network technology completely. Electronic commerce is recognized as the second Internet industrial revolution. All the countries of the world attach importance to the development of electronic commerce. Its external conditions in all the aspects are established and completed. The social electronic commerce system is formed step by step. With the development of business commerce, the questions related to the flow of funds and substance and security are becoming the focus that many of the people pay more attention to.An integrated electronic commerce application can be divided into four portions: basic establishment of network, electronic authentication system, electronic payment system and electronic operation application. Relatively, electronic payment system and electronic operation application are more complex. Meanwhile, they are the cores of the whole electronic commerce system. And their accomplish is a symbol of forming a integrated electronic commerce system. Payment gateway is created in this background.Payment gateway should implement many functions, such as real time payment, funds accounting, query and statistics. And build the connection between Internet and network system of financial processing. It should finish a series of function, implement accept and deal with payment requests from Internet, send these requests to financial processing system, and then receive the result and send it back to the customers and merchants who send these payment requests. System should become the safe and convenient payment flat that let customers enjoy online-shopping. And sustain merchants to develop electronic payment service and other increment service such as B2B and B2C business. And it can ensure the security of the financial system, at the same time, it should think of the speed and expandable of the entire system.At first, the thesis outlines the actuality of electronic commerce and the special meaning of network payment, and then we discuss the characteristic of the payment gateway system and several features, clarify the flow of network security process. We introduce the design and technology of "JinRongLian" Payment Gateway and clarify the work principle of PCS server and wallet server by taking the example of the transaction of authorization and consume which was request by wallet server. At the last, gives someconclusion and foresight.