Design And Implementation Of Aggregate Payment System Based On Spring Cloud

In recent years,with the popularization and updating of smart phones and the rapid development of mobile Internet,the field of mobile payment has undergone profound changes.Mobile payment has been expanding from online payment to traditional offline collection.As an important market of payment transaction and the main entry point of data flow,offline payment has become the territory of fierce competition and competition among Banks,Union Pay and non-bank payment institutions.With the intensification of market competition,phenomena such as "one container with many QR codes" and "one container with many machines" continue to emerge,which not only cause excessive consumption of social resources,but also bring severe tests to financial supervision and risk prevention.Changing market demand has led to the emergence of aggregate payments.Aggregate Payment provides customers and merchants with one-stop fund payment,settlement and account checking services by converging different payment experiences,payment methods and payment channels.As the most critical and rigorous core system in platform transactions,the payment system puts forward higher requirements and challenges to its system architecture design and implementation.As the scale of the system continues to grow,traditional monomers and SOA architectures are overwhelmed.Microservice architecture can effectively reduce the complexity,coupling degree and development cost of system design through system splitting,independent deployment and service governance.It has a high fit and application value with the design and implementation of converged payment system.In this thesis,the Spring Cloud microservice framework is adopted to design and implement the aggregate payment system.On polymerization payment system's key business processes are analyzed in detail and domain modeling,and according to the single responsibility,rely on the isolation,design principles,such as service autonomy will aggregate payment system is divided into: comprehensive cash register,payment gateway,payment reconciliation,accounts settlement,account and risk control management,merchants and user services,such as nuclear core services.Then the business process and functional logic of each microservice unit are designed in detail and the data modeling is carried out,and the program coding is completed for core services such as payment gateway,payment reconciliation and real-time data analysis.Finally,the Spring Cloud framework is adopted for multi-instance deployment to build a highly available aggregated payment system,and Docker is combined to realize the automatic unified deployment of system microservices.In order to meet the system design requirements and achieve the goals,the system security,system performance and scalability aspects of strengthening the test verification.The test results meet the design requirements.This thesis provides a safe,reliable,practical and efficient technical solution for the design of convergent payment system,and provides a good system guarantee and a solid technical foundation for the healthy development of mobile payment.