Design And Implementation Of Enterprise Payment And Settlement Platform

China's large and medium sized enterprises in the overall size of the transaction increased exponentially, and step by step to complete the transfer offline payment to online payment, so the company's online payment is also facing a greater challenge.Construction of enterprise payment center is the need of enterprise strategic transformation and business innovation. The enterprise unified payment and settlement platform mainly provides the electronic currency payment and settlement services for the enterprise. Through the platform, Integrate external payment channels,lead multiple incoming channels to unified payment processing.it can be widely used in the enterprise daily production, operation, marketing, after sale, each relate to the allocation of funds and payment, the settlement of the link.Enterprise unified payment and settlement platform will achieve the integration of multiple business systems within the enterprise, it will be scattered in various business systems within the Internet transactions, such as online banking gateway, quick payment to a unified centralized settlement platform for processing, and can provide a variety of payment, such as online payment, mobile payment and others. Will eventually form a unified external and internal interface, to achieve with the bank, the third party payment and other payment gateway connection. In terms of the internal can also be of various internal system provides a single interface, and implemented with financial institutions and corporate internal settlement and reconciliation functions.High performance enterprise unified payment and settlement platform system architecture will support the cloud model, and the architecture can be extended, configurable, scalable, and can be isolated, in the information transfer side, the requirements of unified message specification. And built in intelligent routing, according to different business rules to select the optimal route payment, the platform will integrate a number of third party payment platform for different business users to provide more choices.