Research And Development Of Unified Payment Platform's Payment Gateway For Commercial Bank And Its Key Technologies

With the rapid development of financial informatization in our country,financial reform continuous to deepen,financial market is increasingly perfect,also the mode of payment continuous to innovate.As the core construction and manager of China's payment and settlement system,the people's bank of China has built the China National Advanced Payment System.Based on the China National Advanced Payment System,many regional people's bank branches have set up their own Citywide Electronic Payment System.With the introduction of relevant policies such as “the administrative measures on payment services of non-financial institutions”,all kinds of third-party payment systems,such as Alipay and Tenpay developed rapidly.Internet payment demand on the market at present more and more diversified,internet payment system network became more and more complex,the upgrade of commercial banks existing online banking systems,banking integrated front system,counter system and core accounting system becomes more and more difficult.How to economize the economic cost and time cost of transformation,reduce the risk of transformation,ensure the smooth operation of the existing business,how the existing system can dock with the new payment channel,etc.,become the problem that commercial banks need to properly solve.This paper takes the unified payment platform construction of a commercial bank as an example.First,summarized the bank's payment application scenarios and payment business status,the payment business is abstracted into three categories: receipt,payment and gateway payments.Then it analyzes the current status of the bank's existing payment system,points out the problems existing in the current system architecture and the optimization plan,and puts forward the necessity of building a unified payment platform.Finally,the construction process of the unified payment platform is elaborated.The key point and difficulty of the unified payment platform is how to investigate and aggregate several high-quality payments channels and select the optimal payment channel for each payment order through intelligent routing algorithm and polling algorithm.Based on this,unified receipt service interface,payment service interface and gateway payment service interface have been designed,to provide a universal and unified payment service for the internet banking system and all kinds of business systems such as the business front-end system.Keep the bank front-end business system focusing on the business of itself,but not need to think about how to choose and interact with the payment channel system.Thereby,it could avoid problems such as the waste of resources that repeat developing systems and business personnel must face with more complex systems when they clear and settlement.So that each system can stratify reasonably and focus on their respective functions,bank's business can be continuously innovated and developed.The unified payment platform designed and implemented in this paper follows the implementation process and method of software engineering and uses UML unified modeling language for requirements analysis and software design.The implementation of the platform is based on JAVA and J2 EE technology,integrates Spring MVC and Mybatis framework to realize the three-layer structure design pattern of MVC.The platform uses MySql to persist business data,uses Redis to store relatively fixed configuration data and temporary statistics data.Platform service interface conforms to the RESTful design style,uses HTTP/HTTPS and TCP/IP communication protocol for the interaction between platform and related system,communication messages adopts RSA and MD5 algorithm to sign and encrypt,in order to ensure the integrity and security of the information.After the unified payment platform was put into production,actual observation after a period,the platform was stable,the transaction processing speed was fast,and the user experience was good.With the success of the platform construction,it will be implemented in more commercial banks in the future,which has great application significance and promotion prospects.The concept of unified payment has good economic value and social benefits,and it is believed that there will be considerable development prospects in various fields in the future.