Design And Implementation Of Credit Card Aggregation Payment Gateway

Credit card payment occupies an important position in online payment.Major merchants are striving to gain access to credit card payment channels and seize the credit card payment market.However,the access efficiency of credit card payment channels has not been ideal.The reasons include various external factors such as channel coverage,rate impact,security performance,and user experience,as well as low module reuse rate and duplication in the development process.Intrinsic factors such as excessive problems left in the process of joint debugging and rapid iteration.First of all,research and sort out the existing credit card payment channel companies,credit card payment solutions,etc.,and analyze the deficiencies and solutions of the existing systems.A scheme of designing a credit card payment gateway is proposed to aggregate credit card payment channels,so as to save credit card channel access costs.The credit card aggregation payment gateway mainly solves four problems: 1)processing of high concurrent traffic;2)guarantee of payment security;3)improvement of user experience;4)scalability.The gateway system can manage user transactions,provide a unified interface protocol,ensure system security and user data security,and provide users with recommended payment channels.Through this gateway,merchants only need to pay attention to one agreement,but can access most credit card payment channels,greatly reducing access costs.The designed and implemented credit card aggregation channel payment gateway system handles high concurrency scenarios based on a distributed system framework;provides data security strategies based on PCI security standards;provides user recommendation services to improve user experience;and improves access capabilities for modular channel access.The system improves the access efficiency of credit card channels,can properly handle emergencies,and solves security problems in payment.It has been used in actual projects,mainly covering Europe,Asia and North America,and has great application significance and promotion prospects.