Design And Implementation Of Escrow’s Merchant Acquirer System’s Core Modules

With the rapid development of cross-border e-commerce industry, there comes a largenumber of merchants with self-built e-commerce platform for foreign trade in our country.Limited, such as cost and technical reasons, these merchants need a third-party paymentinstruments for cross-border e-commerce to provide quality financial settlement servicesfor them. At the same time, Escrow needs being accessed by more external merchants toenhance its brand value.In order to be better accessed by external merchants, based on the Star Wars project ofAlipay’s international payment technology department, we design and implement coremodules of Escrow’s merchant acquirer services system, which includes trade core moduleand timeout module. Trade core module is responsible for providing more comprehensivetrade settlement services, including providing instant payment service, competitive tradefunding cycle and so on. Driven by scheduler’s timing jobs, timeout module implementsthe triple-layer execution logics, aiming at solving problems occurred in the scenariowhere trade progress can’t be pushed forward when there’re no actions taken place by bothsellers and buyers, mainly applied in business scenarios such as closing trade after waitinga certain time for pay, settling trade when time expired and so on, developed for improvingand perfecting the entire trade service process. In addition, timeout module also applyTDDL middleware framework to solve the bottleneck capacity to read and write access tothe stand-alone database. Timeout module’s system design follows the single responsibilityprinciples, instead of concerning about the task scheduling logic, the business system onlyneeds to register timeout records and then implement the business logic to perform when timeout occurs. In the design process of the system, the paper also discusses the API’sidempotent insurance, preventing capital loss in order to safeguard the interests of bothbuyers and sellers.The system is developed under Alipay’s SOFA framework, has been officiallyreleased on line in April2014, been successfully accessed by external merchants such asShenzhen DiWang, Shanghai YiCheng, Yiwu ASu and so son, met the initial demands andlaid a solid foundation for being accessed by massive merchants.