The Design And Implementation Of Credit Payment Service System Based On B2C Platform

With the advent of the Internet and consumer finance age, new consumer financial instruments are emerging which supported by information technology and Internet technology, such as cloud computing, big data, third party payments, etc. Internet consumer finance welcomes its new developing opportunity and plays a very important role in the fields of unleashing the potential of the national consumption, improving the structure of the financial market, and the quality of economic development. In recent years, under the support of national policies, Chinese e-commerce grows swiftly and violently, especially the mainstream business model B2C holds tremendous potential, which transforming the habits of the larger crowd of users and exploring the national consumption potential. In such an event, major electricity enterprises are testing the water in consumer finance, with special focus on credit payments to explore business innovation. Therefore, the Internet consumer financial operation mode based on B2C electronic commerce platform, with their own advantages of customer groups, funds, logistics, product service and technologies, has gradually become the new engine and new power to promote economic development.To the problems there are credit services application obstacles from traditional banks offline in the part of the consumers, especially the young groups, and combining with the actual business needs of B2C e-commerce enterprise, a credit payment service system was designed to realize consumers "buy now, pay later" online. The system used the current popular computer technologies such as J2EE, digital signature, database, and so on. And relying on the accumulation of a mass of user transaction data, it aims at stimulating consumer shopping on its B2C e-commerce shopping platform by applying to cooperative banks for a certain amount of credit line, which provides on deferred payment or payment by installment, as well as repayment and refund within the specified date. This consumer financial service is more convenient and efficient for consumers. With credit application, consumption, repayment, and refund as the main business modules, each business module was analyzed and design implemented in detail on the basis of analyzing the demand of the credit payment service system to make the system structure clear, and have good scalability. The system adopts B/S structure and MVC model, which integrated with Freemaker, SpringMVC, MyBatis and other technologies, to guarantee its reliability, robustness and maintainability.Based on the existing B2C electronic business platform, the system was divided into portal, business, the bank extranet, and background management four subsystems, and was realized specifically the user credit facility application, credit consumption, voluntarily repayment and automatic repayment, refund and other business functions as well as credit accounts, transaction records management and other management functions. In the process of design and implementation, the concept of componentization was introduced to gradually refine the above function modules to improve system reliability and reusability, and to reduce the complexity of enterprise development.On the basis of analyzing the background and significance of system development, the credit payment service system was introduced in detail in this paper, including the requirement analysis, system design, system implementation and system testing four stages according to the development process of software.