Design And Implementation Of The Bank System For The Payment Business Of The Nets Union Clearing Corporation

With the rapid development of my country's Internet technology,a large number of thirdparty payment institutions have emerged.To further standardize the functions of third-party payment institutions in the Internet financial system,the Payment Clearing Association of China promoted the establishment of Nets Union Clearing Corporation(hereinafter referred to as "NUCC").After the emergence of the Internet connection,the Internet payment model for payment through third-party payment institutions is called the "Internet connection model." In the NUCC mode,the connection between the bank and the payment institution needs to be transferred through the NUCC,that is,all payment transaction requests need to be forwarded through the NUCC.Therefore,the payment processing system under the traditional mode that the bank is directly connected with the payment institution is no longer suitable for the current transaction environment,and needs to be redesigned according to the current payment environment and NUCC's specific needs for related payment services.After the emergence of NUCC,this system specifically deals with the payment business initiated by the user at the payment institution and forwarded by NUCC.Therefore,firstly,the background and significance of the topic of this thesis are elaborated.At the same time,the development and operation of systems related or similar to this system at home and abroad are analyzed.The research content of this paper and the arrangement of each chapter are given.According to the NUCC related business requirements document,the business needs are analyzed,and the flow chart of the business is drawn.According to the business needs analysis results,the system architecture is determined.The system is implemented using the private PE framework of Beijing Kelan Software Information System Co.,Ltd.The system is structurally divided into a gateway system and an online system.The gateway system is mainly used to The transaction application message is subject to pre-processing such as signature verification,decryption,format verification,content verification,etc.,and encryption and signature processing of the return receipt message returned to the network.The online system is used to realize the business logic processing of the transaction.The two systems are independent of each other,and the transaction information is communicated through the HTTPClient communication tool.Functionally,the system is divided into contracting module,payment module,query module,final state notification module,and security module.When the system is implemented,it first designs the system architecture,and then implements detailed code implementation of each functional module according to the architecture.At the same time,it gives the system's main function class diagrams and transaction execution timing diagrams.Design the database table,the database uses the My SQL database,and uses the mybatis framework as the persistence layer framework to operate the database.Finally,the system was tested.First,the test principles and test methods used in the test were explained.Then for system function test and performance test,by analyzing the test results,the system has realized the expected function,the transaction rules and results are in line with the requirements of the network and the bank,and the performance is excellent,which can meet the bank's requirements for processing the networked business and meet the design expectations.aims.The framework adopted by this system is an enterprise-level application framework designed specifically for the banking system.The framework structure design is safe and reasonable,and it has been used in the development of the banking system for many years.It is safe and reliable after actual production inspection.This system is fully considered in the design.Internet payment transactions are complex and changeable,and the types of payment are endless.Therefore,the design is fully considered in the scalability of the system to deal with the emerging payment methods,which can better meet the needs of banks to process the payment services forwarded by the network.