Design And Implementation Of Business Financial Wallet Platform

At present,there are 150 million micro and small economic entities in our country,and over 100 million individual industrial and commercial households.As an important part of our country’s economy,a considerable number of merchants still use the traditional business model,which has many problems such as difficulty in marketing,accounting,and capital turnover.It is crucial to give digital capabilities to micro and small merchants.Digital empowerment also puts forward higher requirements for business payment services.Whether it can meet actual needs through technological innovation and provide high-quality financial services is an important indicator to measure the quality of commercial payment services.In order to empower many micro and small merchants and help them better realize digital transformation,this thesis designs and implements an business financial wallet platform which can effectively establishes the connection between merchants and payment institutions,and provides inclusive and safe financial services.Firstly,this thesis expounds the background of the project,and shows the significance of the project by comparing the advanced products in this field at home and abroad.Secondly,it briefly describes the development framework,middleware and other technical theories involved in the project.Thirdly,the author analyzes the needs of the merchants accurately,clarifies the goal of the system development,and based on the results of the demand analysis,the overall design and the detailed design of the project are carried out.In the overall design stage,the author carried out system architecture,database design,etc.,and divided the system functions into four modules: merchant access,password service,fund payment,and bill service.The author also designs the flow control of the system,which is used as an aspect for the Http interface in the system.In the detailed design stage,the author elaborates the business logic,technical details of the system and its interaction and cooperation with the upstream and downstream systems.This project uses Spring Boot and My Batis frameworks for development.And RPC framework Thrift is used to implement communication between systems in a distributed environment.It also uses Kafka as message middleware for decoupling and peak shaving.In terms of storage,My SQL is used for persistent storage,Redis is used as cache,and Elastic Search is used as data index to speed up the retrieval of bill data.The system relies on the Data Bus data synchronization component to synchronize the original accounting information from the upstream system,and uses a data synchronization model based on a two-stage message queue to ensure the orderliness of synchronizing billing data,taking into account the efficiency and data in high concurrency scenarios accuracy.In addition,in order to ensure high availability,this project uses the token bucket algorithm for current limiting processing.After the development is completed,the system is fully tested at the functional level by designing test cases,and the performance of the system is tested with the help of stress testing tools to ensure that the system meets expectations in terms of function and performance.Finally,the author summarizes the research and development of the project and the writing process of the thesis,and gives an outlook on the future development of the project.The system has been launched in stages and has been running stably since it was put into use.It has established a bridge between merchants and payment institutions in an efficient way,and created safe and reliable funds by using reasonable technical means and coordinating the upstream and downstream systems.At the same time,a reasonable solution for bill stability has been established to ensure the safe flow of the entire chain of capital flow and information flow,and to perfectly empower merchants with payment,which is an important part of the digital operation of merchants.