The Design And Implementation Of Union Bank Gateway Towards Payment-Online

The development of E-commerce of our country is on its golden age at present. Basic businesses of payment-online have been developed by almost all the banks. However, because of the development without uniform standard of bank systems and E-commerce of our country, the standards of inner bank business systems are different, so the interfaces of payment gateway offered by the banks are different. This leads the difficulties of development of payment-online systems, and affects the development of payment-online fields.This paper makes a deep research on this problem, its purpose is to design and implement a union payment gateway system to shield the differences of payment gateway interfaces of different banks, and to offer a transparent business flow to the merchants.On the basis of research about the knowledge of E-commerce, payment gateway, payment online and payment security, this paper analyses the interfaces of 17 banks payment gateway including some third online payment platforms, and summarizes the types and differences of gateway interfaces. This paper also fixes on the standard of union interface, and designs the norm of merchant interfaces of the union bank payment gateway system according to this standard.Then the requirements and functions of union payment gateway system are made based on the research and analysis before. The whole architecture of the system are designed according to the analysis of functions and requirements of system reliability and stability. Then the main subsystems (merchant WEB system, merchant service requirement system and bank pre-server system) are designed detailedly. Finally the technology of this system is chosen and a union bank gateway system is implemented to validate the result of research and design.Two security protocols: SSL and SET are analyses at the end of this paper. The disadvantages of SSL and the advantages of SET as online payment protocol are put forward at the basis of the analysis. And an advice of bank gateway interface flows based on SET protocol are brought out and the end.