The Research And Implementation Of Third Party Payment System And Chargeback Method

In the new era, with the widespread of network, there comes the growing popularity of online shopping. Shopping by this way fulfills the needs of many people who are too busy to go shopping at stores or who want to go shopping in different places. It also enables them to select some pleasing goods without leaving home.The third-party payment system is established on the basis of ensuring the safety and credibility of shopping online. It is a neutral third-party besides business operation support system (Boss) and payment channels. The usage of payment platform is to transfer the exchanging information among numerous business operation support systems and a few payment channels. It can shield the barriers of the information interaction between the two systems.The main contents of this paper are the designation of the third-party payment system and the implementation of its deduction methods. The 21st century is the age of information, in which network has already been popularized. With the increasingly rapid development of electronic commerce, more and more people come to know and get familiar with it. As a result, many people like to go shopping online. However, because of the virtual characteristic of network, most consumers can not adapt to the online shopping method of paying first before the delivery of goods and are reluctant to pay the money directly to businesses. In this case, the third-party payment platform comes into being. It allows a series of processes being carried out in a very safe environment, including the payment from consumers to financial institutions and at last to businesses, fund flow, liquidation, query and statistics. Online payment is the core section of the entire online commerce. With the constant perfection and development of technology, more and more consumers start to enjoy the third-party payment platform. E-commerce in China will also gradually regard the third-party payment platform as the most important means of exchange and the credit intermediation. As to consumers, a complete online shopping consists of three steps, which are the stage of searching and acquaintance of the product, the stage of ordering and paying, and the stage of logistics delivery. The second stage would involve the issue of online payment. In order to make e-commerce transactions carry out smoothly, there must be a platform for consumers to pay online on the premise of safe, fast and stable circumstances.The third-party payment platform, as the intermediary, can be the matchmaking of the cooperation between businesses and banks. Through this method, it not only can reduce businesses'operating costs, but also can save the cost of banks in developing gateways. The third-party payment platform being the intermediary can contribute to the cooperation between businesses and banks. As for the businesses, the operating costs are reduced; meanwhile, as for the banks, they can use the services provided by the third-party's service to help them save the costs of gateway development. The third-party payment systems may also break the barriers among different banks. So far, there is no universal bank card can be accepted in al banks in China. Each bank has its unique cards. If the consumers want to go shopping online without any limitation, they'll have to possess a dozen of cards at one time, which is not very convenient. However, the third-party payment systems can solve this problem exactly. In recent years, the transactions of electronic payments are becoming increasingly high and the types of electronic payment instruments are also emerging.The core business of payment system in this paper is mainly on the deduction function. As the transfer station of the two systems, we should ensure the uniqueness of the data after several passes in the cross-platform, and on this basis, to meet the users' deduction needs. The users present a demand of deduction in the business operation support system, and then the business operation support system will send the interrelated parameter to the payment system.This paper makes the following designs on the deduction methods: If the user is not the registered user of the payment platform, he would finish the transaction of register and choosing a sub-account at the payment platform; if he is already registered, after the verification of his account number and sub-account, the deduction will be carried out and a state of non-payment order will be created. Then the integrated parameters will be provided to the payment channel system by the payment platform. Whether the user's operation on the payment channel is successful or not, the information will be fed back to the payment platform.If it's successful, the payment platform will then modify the original state of the user's order and record a piece of hisbusinjour of the sub-account. Finally, it will return to a web page of successful operation according to the url provided by the business operation support system in advance. The paper mainly makes the following designs on front desk operations: after the user's registration at the payment platform, he/she will get a default sub-account (RMB account). Users can open or cancel sub-account of other currencies at any time according to their individual needs. They can also modify the maximum amount of their daily consumption. If a user has ever made the deduction business via the payment platform, the payment system will provide the former orders and the flow table of his sub-account for him to make inquiries. Meanwhile, users have the rights of changing their personal information and choosing payment channels. The background has two permissions as super administrator and general administrator. The general administrator could examine the users or their information and control the state of the users'sub-accounts (opening or freezing); he can examine or add the types of the sub-accounts or modify their state; he can examine or add the types of the products or modify their state; he can examine or add the payment channels or modify their state; he can examine or add the goods or modify their state; he can examine the orders or modify their state; he can examine the flow table of the sub-accounts or modify their state. As for the super administrator, besides the above permissions, he also has the privileges of adding, deleting, modifying or examining the general administrator.After a user purchases in an online store which has already successfully registered at this payment system and submits the order, the user will be examined on whether it is registered on the unified payment platform or not. If not registered, there will be a page with the information to prompt the user to get registered. If the user has already registered, after his successful login, the system will generate an order automatically. The state of the order is unpaid. At the same time, there will be some payment channels available to the user to choose from. According to the user's choice, it will examine whether the user's sub-account meets the needs of the transaction, such as the single consumption amount, the total amount of the single consumption on the day, or the type of currency. If all the needs are met, a series of parameters provided by the user will be transferred encryptedly according to the requirements of the payment channel and then to wait for the deduction result from it. Whether the user's payment via the channel is success or not, after the operation of dealing with the deduction, the returned parameters from the payment channel will be decrypted and the result will be read.Even the order is modified and generated the flow information of this channel, the result will also be encrypted and then return to the business operation support system, after which the transactions will be informed to the user.Through the exploitation of the pre-functions of the payment system, the author has a deep understanding and mastering about the knowledge she has learned. She also gets the further knowledge that practice is the best way to test the authenticity of knowledge. Meanwhile, she has learned how to use the various framework technologies better in software development.