The Design And Implementation Of Multi-Industry Comprehensive Payment System

With the worldwide popularity of e-commerce electronic payments is becoming people's primary way of consumption, typically bank card payment is one of the more common and sophisticated current electronic payment modes. At present, the domestic bank card payment market has some mature application case in bank card acceptance, issuance of co-branded cards, final settlement of sales of funds and other offline business, but its online business is still in the development stage,at the same time,currently existing third-party electronic payment products are not unified in technical architecture, business rules, pricing system, the management and control of risk and other aspects, some products even had a conflict with "UnionPay card operations regulations" and other standards, these problems will bring a lot of trouble to payment experience for consumers and the rights issue after payment,even damage the interests of consumers.This paper has a deep research on multi-industry comprehensive payment system,For the issues which in existing electronic payment products like business model too single, conflict with the bank card products services standards,in the aspects: the communication access of transaction information, transaction processing, reconciliation liquidation process,system management,this paper detailed analysis and design the system.Implement a multi-industry comprehensive payment system which main business is bank card,access airline ticketing,railway ticketing, insurance renewal fees, lottery, credit card payments, utility fees and other industry business functions by one point.The main research works of this paper are as follows:1)This paper complete the requirement analysis by analysis the cooperation between China UnionPay and six main industries:aviation,highway,theater,insurance, public utilities payment,hospital.Mainly analysis the key of multi-industry comprehensive payment system –aviation payment business processes, combined with the use of UML use case diagrams to describe function which needed to be done in the requirement, carry out a complete business model, constraints the quality of develop by the correctness and completeness of the system.2)In order to integrated multi-industry comprehensive payment system with industry cooperated company,cooperated agencies,UnionPay multi-channel system,this paper complete detailed design of four main moudles: communications access, large packet processing, more merchants inquiry, event broker module. Uses extended FML, Web Service middleware and other technologies to analysis,processing and communicate with the data generated in the payment process;traditional MTQ plus extended messages pool to transmitting large packets;add the function which can query and aggregate multiple business to the adaptation module in order to ensure the accuracy of docking between the system and the industry partner companies;Using event proxy module to accomplish the communications between management subsystem and online or batch subsystem,process or forward the event which management subsystem issue to online or batch subsystem.3)Complete the detailed design and implementation of multi-industry comprehensive payment system,under Eclipse environment,using a object-oriented programming language Java, JavaEE technology,multi-line technology in Weblogic10 and DB2 database,develop a B/S model architecture multi-industry comprehensive payment system.Following three-tier design patterns: communication access, application processing, data storage,develop the multi-industry comprehensive payment system,In the end the system can operate normally.4) By showing a typical payment process, it explains the multi-industry comprehensive payment system's overall implementation effect, after analysis the system performance test,prove the system has availability, effectiveness, scalability.Through researching on multi-industry comprehensive payment system to achieve a standard, specification, real-time support mass processing of electronic payment transactions platform, It is optimized in all aspects of security, management and efficiency of payment.