The Research And Design For E-Commerce Payment System

Because of the rapid development of internet technology and personal mobile device,more and more traditional businesses have developed their E-Commerce business.Starting from early B2 B or B2 C,and now the very popular O2 O,all these concepts are striking the business owners to join into the revolution.Although E-Commerce have its variable business type,they have a same feature--only payment with a virtual E-wallet.This helps merchants to save their cost and enhances the security,and makes customer's life more convenient as well.A robust E-Commerce system depends on a stable payment system,and a stable payment system depends on a good data model design and good program structure.The framework of the payment system is the very important,which decides the possible features of upstream business,and the cost for development and maintenance as well.The research of this thesis is based on various of E-Commerce types,focuses on the key features of payment system,considers with the situation of experiment project,abstractly designs the function,tries to provide a common framework for E-Commerce payment system,and helps merchants to build up prototype of E-Commerce system.This thesis concludes the common payment process flows,defines a interactive protocol between upstream business system and payment system.It divides payment methods as standalone capture and recurring capture,distinguishes payment steps as request new payment from continue a exist payment.By this kinds of categories,the protocol explodes 3 fundamental methods for payment.Integrating an individual payment gateway can simply choose some or all of these methods,to provide uniformed payment services for upstream system.This thesis analyzes the business mode of the famous global E-Commerce platforms,abstracts common payment requirements from typical E-Commerce system.Then it decides the boundary of payment system based on 3rd party payment service provider interfaces and certain principles for software system design.After that,it builds up data models and work flows for payment framework,and implements the detail by programming codes.Lastly,it confirms the project result by comparing previous and current situations.The solution from this thesis providers a simplified and uniformed data model for system maintenance purpose,and flexibility for requirement priority as well,which allows user to choose features by certain business concern.Comparing with previous situation,key objects in system are reduced to 2 from 12,and average problem solving time is reduced to 0.3 day from 1 day long.No serious issue is tracked on production environment,which satisfies business requirement well.With the flexibility of system structure,mostly the changing of framework is not necessary for adding new 3rd party payment services,and it will not affect current running payment services.As the payment framework of E-Commerce system,the solution provided by this thesis can serve most of the requirement and has certain compatibility and flexibility to future developments.The purpose of this thesis and its related project is to explore a new flexible architecture of payment system and provider suggestions for E-Commerce system building.