| With the rapid development of China’s e-commerce, more and more peoplegradually get used to online shopping. In order to solve the payments and settlementsissues E-commerce websites started to develop their independent third-party paymentplatforms, or search the quick and secure online payment solutions. It seems thatthird-party platform has been widely accepted by more and more E-commerceparticipant,but more and more potential risks appear such as Cash credit card fraud、bogus transaction、Phishing web site and money laundering and so on. Confronted withthe above risks with the result of bring the threats of the financial security and thelimitation of payment account.This essay illustrates the payments method solution of online ordering and offlineCOD for customers by using traditional bank card acquiring due to the bottleneckissues of payment settlement accompanying with the leap-frog development ofpayments industry. The corresponding system is composed of front-end paymentsub-system and back-end management sub-system, as well designed by a CDMAcommunication and ISO8583financial standard packets of information transmission,the use of "db2" data storage and symmetric, asymmetric encryption, there is providedonline and offline combinative payment system, to solve the predicament paymentsettlement of portion of the e-commerce platform.Grafted mature and rigorous bankcard acquiring mode, not only can achieve effective risk control in the paymentsettlement, but also provide the necessary business extension ability.This system has been put into service in our company--Allinpay since2011,currently the terminals has reached about5,000throughout most major cities in Chinawith the average daily stroke count of60,000, and totally transaction value of10million Yuan. The system is functioning normally without any risk since its formaloperation. |
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