Design And Implementation Of Credit Card Payment Subsystem

With the gradual improvement of people's living standards,people's consumption levels are gradually increasing,and non-residential consumer loans are also increasing.Credit card,as a cyclical quota,multi-category,and widely used consumer credit,is booming in this environment.The development of credit card compensation business is in line with the current market development environment.The credit card compensation business can repay the creditor's rights to the user by paying off the credit card loan for one time,and the user can amortize the principal and interest to the platform where the compensation system is located according to the new interest rate.According to the different credit levels of users,the compensation system performs differentiated pricing according to the risk level,so that high-quality users enjoy lower interest rates than bank credit card installments,so that users with lower credit levels and lower credit card installment privileges get more liquidity.To better meet the consumer needs of the target user population.The development of the credit card compensation subsystem is based on the integrated financial services platform developed by the company.The integrated financial services platform is designed to provide users with one-stop financial services,such as social security provident fund inquiry,loan business,community services,etc.,while the credit card compensation subsystem provides compensation services for the platform.This paper first introduces the credit card compensation subsystem,expounds the project background,domestic status and foreign status of the credit card compensation subsystem,and then analyzes the functional requirements and non-functional requirements of the whole system.According to the project's requirements analysis document,the system design and architecture design are carried out.Then the system is designed and implemented in detail.Finally,the test cases of the system are designed and tested.The credit card compensation subsystem is divided into four parts:application process,loan process,repayment process and some data statistics.In the process of constructing the credit card compensation subsystem,the author first designs the module of the system,and divides the system into four parts:application module,loan module,repayment module and data statistics.Based on this,the subsystem architecture,business processes,database and interactive interfaces with other systems are designed.The author independently completed the H5 design and implementation of the application module,the loan module,the repayment module,and the data statistics part,and developed the service flow and data interface code of the Node.js side,and participated in the part of the server application module and the data statistics module.Design and implementation of functions.In the design of the Web end,in order to be able to interact with the integrated financial service platform,the webview is nested with H5 in the APP,so that it can not only interact with the APP,but also interact with other systems in the future,so that the interactivity of the system is greatly improved..And use vue.js and mintUI as the front-end framework,axios class library to encapsulate http requests,vuex for state management.Make the front-end interaction experience better,and the business data flow and data state are clearer.The project uses koa2 as the framework on the Node.js side,uses koa-session to store user session information,and stores it in the redis database for persistence.It uses pm2 to monitor the Node.js service to ensure stable operation of the service.Finally,to ensure the normal operation of the system,the author conducted a functional test on the H5 end.At present,the credit card compensation subsystem designed and implemented in this paper has been put into use and put into use in the company's comprehensive financial service platform.The system is running normally and functions stably,and has achieved the expected goal.