Design And Implementation Of Xpaypad Financial Payment Platform

The construction of electronic payment system is an important means of providing diversified financial services and convenient banks. The xPayPad financial payment platform described in this thesis is an in-telligent terminal which is developed for the rural agents of the Agricul-tural Bank of China. This terminal can effectively compensate the busi-ness gap of the ABC in the rural market. Agents can not only provide convenience bank, convenient payment and other convenience services to the custom, but also provide the channel for the selling products and ser-vices. This thesis designs the overall structure of the xPayPad payment platform based on the analyzing of the existing payment platform. This thesis has completed the models of applications runtime, applications management, application authentication and Payment management. Fi-nally, this thesis tests the capabilities of the payment platform in the dif-ferent system load.This thesis mainly has the following innovations. Firstly, the xPay-Pad financial payment platform uses Webkit as the kernel of the industry application runtime, which allows banks and merchants to develop indus-trial application by the HTML and JS. Secondly, this paper designs the web applications file format, WAFF recodes the multi-directory structure of the application into a single file, which can effectively protect the in-dustry application source code, and can enhance the performance of in-dustrial application file integrity checks. Thirdly, this thesis designs the cache systems of the application runtime environment core, which can parses the file WAFF format and caches the local resource. The cache system uses "Cache replace optimization model" to eliminate resource. Finally, this thesis implements the certification of the industry applica-tions, which uses the "dynamic identity authentication algorithm" to au-thentication between the application and endpoint. The algorithm is se-cure against ID-theft, and can resist the reply attacks, forgery attacks, guessing attacks, insider attacks and stolen verifier attacks.I have finished the function of downloading industrial applications and list, installation industrial, loading industrial, the certification and the order payment. The payment platform has reached the design require-ments of the Agricultural Bank of China. Currently, the xPayPad financial payment has passed the Agricultural Bank of acceptance into trial opera-tion.