Research And Implementation Of Aggregated Payment Platform

For a long time,the financial industry has been a core pillar industry,and the banking business system has always been a model of security,stability,and reliability.However,with the rapid development of financial business,when users use QR codes online and offline for payment,it is difficult to easily find their own payment method when facing an increasing number of payment products.Therefore,aggregate payment,a new means,emerged as the times require.Aggregate payment covers all mainstream payment channels,solves the existing fragmentation problem,and helps the industry cope with various transaction scenario challenges.At the same time,the explosive growth of traffic in the era of mobile internet has also brought multiple challenges to the technological architecture of enterprises,which traditional single architecture can no longer meet.In this context,in order to cater to the development of the industry and respond to the competition in the industry,the platform is driven to transform into a modern distributed architecture originated from Internet companies,so as to ensure that the business system has a high level of progressiveness in business and progressiveness in technology,and can guarantee the high availability,high concurrency and high performance characteristics of the system for a long time.This article focuses on the construction of an aggregated payment system under a distributed architecture.This paper first gives the specific architecture design,module design and database design scheme of the system,and describes the entire transaction link involved in the scenario of aggregate code scanning and payment,including synchronous processes and a series of asynchronous processes designed to improve the transaction response rate.In terms of technical architecture design,the paper uses multiple security mechanisms to ensure the consistency and integrity of data when transaction processes call each other between distributed applications,thereby ensuring the security of data information.Firstly,this article innovatively proposes a new traffic control strategy based on a comprehensive comparison of current traffic control algorithms and the real business attributes of the system,achieving a flow control algorithm that can be customized based on business attributes.Finally,through relevant experiments in a real testing environment and using various testing methods,the paper verified the integrity of the designed aggregated payment system’s functionality,the real-time response of online transactions,and the security and consistency of transaction data.