Analysis And Design Of Union Payment And Clearing Platform

With the technology develops, people's consumption patterns have become richer, the electronic payment industry also received a high-speed growth, but as banks and other mainstream electronic payment card industry is not perfect, the other payment service organizations was a great space for development. The subject of payment service is based on a unified objective background, relying on the mobile communications network operators and Internet technology, the use of mobile phones and web pages through SMS, STK, WEB, RFID, etc., through a unified payment account consumption, recharge, query operations such as e-commerce business.This paper is based on a unified system platform for a payment clearing and settlement, based on this version of the system above has added several new modules. Unified clearing and settlement platform for a payment include the following subsystems:business systems, clearing and settlement systems, account management system, data exchange center, operation and management web system administrator. The five modules to achieve some basic functions, can recharge, payment, clearing and settlement business, but this version of clearing and settlement system is not perfect, but the lack of business user self-service systems, clearing and settlement system in this paper to re-do design, and add a user self-service system to support business users and businesses of their personal information changes, and allows users to query their own consumer information, recharge and other information, and the paper also carried a large number of test platform to ensure the quality of the work platform, the test results also do some analysis.In this thesis, the unity of the current payment clearing and settlement platform version 2 has been delivered, the implementation of the overall operational situation works well, the whole system to achieve a fast and secure way to recharge, efficient and safe consumption of means of payment, flexible convenient user merchant self-service,account management has improved financial management program, Complete clearing and settlement business processes and improve operational sub-run mechanism.