The Research And Design Of The Third-party Payment System Based On SOA Architecture

With the rapid development of Chinese economy and Internet technology, the e-commerce industry has played an increasingly important role in national life and production, at the same time, with the continuous improvement of financial concept, the demand of payment methods has transformed paper-based payment to online payment which now are widely used. Online payment uses Internet as a supporter, for the reason that payments between consumers and merchants are not face to face and logistics and cash flows are separated in time and space, it has gradually exposed many problems such as credit problems of enterprises and security issues in transaction processes, therefore, the third-party payment platform regarded as an intermediate account is proposed to solve these problems. As a trustworthy meditation between two parties for a trade, the third –party payment is not only able to ensure credits and safetys in online transactions but also avoid frauds made by illegal businessmen.This paper designs and develops a safe, reliable and convenient third-party payment system to satisfy the requirement about stability, security and large data-handling capacity under high frequency trading, it is developed in the circumstance Eclipse 4.4, using Java language for programming, the front-end supports for multi-channel, back-end is convenient to accesses banks and other partner organizations, in addition, it has a perfect payment security measures, thus to achieve user management, order management, bank card recharge and transfer accounts, shopping payment and other functions. The research points of this third-party payment system focus on several aspects presented as follows:(1) Focusing on the research of the system architecture of the third-party payment. According to the actual demands of enterprise applications, Not only should the system architecture be able to support business structure, well realize the business functions, but also have the flexibility and scalability to respond to market changes and enterprise strategy adjustments quickly, meeting enterprises requirements of the long-term development. Through analysis research about object-oriented structure and service-oriented structure SOA, since SOA emphasizes technology independence, the characteristics such as loosely coupled, reusable, standardized interfaces, self-service, service location transparency can make up for problems like tightly coupled, hardwired, poor flexibility and so on in traditional architectures, it is able to reuse available resources, reduce operating costs and improve resource utilization, reflecting the superiority of design and development that in the light of business demands to combine services, and it has a strong load capacity advantage, therefore, it's a good choice to use SOA concept to build the third-party payment system architecture. On this basis, studying Dubbo technology in detail which is the SOA service governance scheme.(2) Demand analysis and overall design of the third-party payment. Designing the business and process based on SOA concept, using B/S structure to divide system into three-layer hierarchies such as Web layer( including personal side, merchants access and cashier functional modules), business service layer( including user data, account system, order system, payment system and bank statement totally five functional modules) and database layer. Extracting functions which are highly repetitive operations as the atomic services, to combine into corresponding function modules on the basis of business needs as well, thus it can reduce the coupling degree among modules, and effectively achieve logins, payments, inquiries, transfer accounts and other functions among consumers, merchants, payment systems and banks. As for database design, adopting MySql as the back-end database, and this system improves the ordinary database design, separates some libraries and tables which contain a large amount of data to reduce reading and writing pressure on single-table and shorten time, ensuring the stability of the database.(3) Making a detailed study of the safety performance and establishing a comprehensive security system. In terms of security protocol, using SSL(Secure Sockets Layer) technology, in the digital signature certification using MD5 digest algorithm, RSA(symmetry encryption algorithm), and in the security encryption using AES( Advantage Encryption Standard), all of them are intended to ensure information security, account security, financial security and transaction security between consumers and merchants.(4) Designing recharge functions of the third-party payment. Detailing the design thought, business process and realization of three subsystems including cash register system, order system and payment system from the point of view of recharge function.Finally, according to the overall test and analysis of the performance, the system has reached the predetermined design goal. It can meet the needs of the e-commerce and bring good economic benefits, also have depth research values and broad application prospects.