The Design And Implemention Of A Payment Management Platform Supporting Multiple Online Banking

The functions of the business systems within the enterprise are complex,especially in the fields of human resources and social security.There are frequent interactions between different business systems in this field,and a large number of online banking payment operations are required.The types of bank payment for online banking interaction are numerous,the difference in online banking payment interface of each bank is huge,and internal payment security protocols vary widely,unified management is difficult.When multiple business systems need to interact with multiple banks,the separate design of online banking payment functions will result in the repeated construction of a large number of online banking interfaces.The amount of engineering for development and management is huge,and the overall complexity of the system increases.At the same time,the decentralized management of each bank's certificate and merchant information also increases maintenance costs,and business system administrators need to spend a lot of time to maintain the online banking related security information.In the online banking payment phase,due to the instability of the network environment,abnormal payments are unavoidable.The basic strategy of each bank in controlling abnormalities is generally manual processing.This will cause online banking payment to be in abnormal payment status for a period of time,seriously affecting the user experience of paying users,and increasing the management difficulty of the business system.The main goal of a payment management platform supporting multiple online banking is to separate the universal online banking payment services in the business system of human resources and social security and manage them uniformly,and the online banking payment service is provided to the business system in a shared service manner.Analyze and model the needs of each business system to complete the online banking payment service,design and implement a payment management platform that supports multiple online banking,compatible with online banking payment interfaces of various banks,and manage security information such as merchants and certificates related to online banking interactions.At the same time,it establishes security solution strategies for abnormalities of online banking transactions,and automatically handles exceptions when payment exceptions occur,and the user is actively shielded from paying abnormalities.Separate the online banking payment service from the business system,reduce the construction and maintenance costs of the business system,make the business system more focused on their own business modules,improve the development efficiency of the entire business system,and increase the security of online banking payment.The coupling degree and overall complexity between various business systems are greatly reduced,and the anomalies in the payment stage are automatically resolved,which enhances the user experience throughout the online banking payment stage.A payment management platform that supports multiple online banking adopts workflow technology to realize online banking payment sharing services,standardizes the circulation rules among online banking payment nodes,and manages and maintains online bank payment related information,and implements a unified automatic processing solution to the captured payment abnormalities.The platform adopts a service-oriented architecture design model.The flow of information between functional modules is achieved through service calls,reducing the coupling between different modules.The platform has realized business functions such as online banking payment,bank reconciliation,business reconciliation,bank information management,merchant information management,and order information inquiry,which can meet the demand of online banking payment for various business systems.