Design And Implementation Of Bank-Oriented Payment Gateway

With the rapid development of finance,the competition among banks becomes more and more fierce.To provide users with high-quality services and security and simplicity is no longer just the expectation of users,but also the driving force for banks to win out.Although the current technology of bank payment gateway is developing so rapidly,most of them lack the risk control of transaction,so it is an urgent issue to ensure the security and accuracy of users when they conduct transactions.Moreover,because the payment gateway system needs to be formulated for each different business scenario,the system has low scalability,which may lead to the loss of users using the bank payment gateway system.Therefore,starting from the research background and significance,and aiming at the above problems,this paper studies the payment gateway system for banks.Firstly,this paper introduces the current research status of payment gateway at home and abroad,and expounds the organization structure and main work content of the paper.Secondly,the theory and technology applied in this paper are introduced,and the framework and algorithm used in the actual development are emphasized.Then,in the part of system requirement analysis,WBS diagram,E-R diagram and physical data relation model are used to model the data and process of the system,and the payment core module,payment basic service module and payment wind control module of the system are introduced from the perspective of business requirements and functional requirements.The non-functional requirements of the system are explained from multiple dimensions.Secondly,in the part of design and implementation,the system architecture and technical architecture are introduced in detail,and the functional modules in demand analysis,especially the payment core module and payment wind control module,are introduced in combination with flow chart,class diagram and sequence diagram.In the payment wind control module,this paper uses the current mainstream machine learning algorithm to give the application of Logistic regression model algorithm in this payment gateway system.The payment wind control module based on Logistic regression model will evaluate the risk of each transaction and then conclude whether there is risk in the transaction.At the same time,the digital signature technology is used to encrypt the user's transaction information and identity information to ensure the integrity of the Internet transmission and not to be stolen or tampered with.In the coding implementation,we use the idea of micro-service to divide the functions into modules.According to the functions,the application services are divided into a set of coordinated services.Each service is responsible for its specific and related functions.At the same time,different services are integrated by using micro-service architecture development tools,and different transactions are realized on the basis of meeting the interface specifications,which helps to maintain and expand the system.Finally,in the test part,this paper compiles test cases,and tests and analyses the function and performance of the system according to the test cases,and completes the comprehensive evaluation of the system.The test results based on the payment gateway system for banks show that its functions and performances have achieved the expected design goals,and the system has been used in actual production.Payment gateway system can not only discover potential transaction risks in time to ensure the payment security of users and banks,but also meet the needs of specific bank transaction processing system.It integrates banks and transaction parties well,and improves users' good.