Online Payment Cashier System Design And Realization Oriented To International User

The past five years, the items in the domestic international users shopping site presents flying courier trading up trend, 220 000 in 2009, 1,700,000 in 2010, 5,000,000 in 2011, doubling the annual average of 5-speed expansion. The market needs to grow a good trading platform support, how to improve the shopping site shopping and payment experience itself becomes more important. Learned from user feedback, and international users in the domestic electricity suppliers online shopping process, highlighting the difficult problem of payment, optimized payment experience a top priority.In order to solve the difficult problem of international users pay for online transactions, this paper focuses on how to design and implement online payment checkout system for international users. International checkout system is discussed in this article in the original national unity on the basis of the cash register, the demand for international users, the system re-design and renovation, it will be an international checkout payment system known as the "new system", paid the cashier national unity system known as the "original system." Service system is the main target of the original domestic users, payment, information structure, operational procedures, and language habits are applicable to domestic users, overseas users is difficult to find the entrance of international payment methods in many domestic payment, the payment process because the original framework limitations, resulting in many of the same payment process, the average success rate of pay than domestic users pay for international low success rate of about 30%-40%.This paper will be for international users habits and preferences, independent international checkout system designed to facilitate international users secure and convenient online payment completed. Papers from abroad mainstream online payment system analysis, needs research, system design and implementation, system testing and application of these five areas discussed in detail the design and implementation process of international checkout system.Before international checkout system design, drawing from the mainstream international online payment system, the original system problem analysis and research overseas users three aspects, learning the paypal and amazon account information management, international credit card payment implementation, analysis of user actions in the original system disorder and major regions overseas customers payment habits, and ultimately determine the design objectives and requirements of the new system.In-depth analysis on the basis of research, the paper launched an international cashier system design. Users will have a major international cashier Location: Hong Kong, Taiwan and the United States to do a separate template, and other overseas areas to provide users with a unified template. The new system is called international checkout cashier system, the cashier main system, CIF member account information management system, accountPay account payment system, cardPay bank card payment system, overseasPay overseas local payment systems and risk control systems Security Security five subsystems. All the user enters the cashier, from CIF account information retrieval system, go to a different cashier template guided by the rules of science assignment. After entering a different checkout templates, users can immediately feel the friendly interface and clear guidance, very easy to find loved payment, payment is divided into three categories : Account class pay( such as balance, integral red, recharge cards), the bank card payment(including international credit card payments, bank payment directly connected, savings class payment card account), local payment( PPS payment such as Hong Kong, Taiwan Chain Store payment, the U.S. ACH check payment), respectively, through accountPay, cardPay and overseasPay three subsystems payment processing logic, the logic when the payment after processing, transmitting information to the security subsystem checkout, for safety check, cashier check is returned to the host system through the results will, and will be paid to the CIF record-keeping system when, the next time the user to pay, pay through the last record to more easily complete the payment, thereby completing the entire payment link.Which bank card payment and security services of international checkout design highlights. For new users of payment and payment processes are not familiar with the characteristics of the most clear and simple to provide new payment services. Users simply enter the bank card number, the system will be based on a set of rules, pushed to the user the most appropriate method of payment, bid farewell to the original need for the user to select a specific banking institutions and payment channels complicated situation. Has paid off for the success of the old users, the new system achieved similar oneclick and amazon payments, cashier will save the user ’s bank card payment over the information, the user simply enter a password to complete the payment paid. For international users pay particular concerns transnational security issues, the international version will be based on the different characteristics of the overseas checkout payment methods, providing different security validation rules and security products, to pay the greatest degree of protection.In the system through rigorous functional testing, performance testing, compatibility and safety testing after the official release on the line. Two months after the formal operation of the data and feedback have reached the desired user in various regions is effectively guided to each cashier template, very easy to find the payment would like to use, fast to complete the payment, the overall success rate of pay from 42% up to 78%, 95% of users access to the cashier, the operation produced a record attempt, the loss rate is reduced by 20%; user action steps from the original five steps to reduce to a minimum one step; daily average users advisory capacity from 500 down to 185 pen pen and solve rate increased from 65% to 88%, significantly improved the success rate of pay for international users, effectively improve the international user payment experience.