1. Bank payment system
With the rise of Internet finance and the popularization of mobile payment, the market is evolving and the payment field is also reforming, and the construction of a unified payment platform by major structures is also imminent. The integrated payment platform design means integrating online and offline payment services, unified cash register, unified routing, and unified day-end, docking with the core system of the bank and the large and small amount system outside the bank, super online banking, UnionPay, third-party payment and other fund channels, It is a whole set of capital circulation system.
The businesses involved in the payment system mainly include: intelligent routing, aggregate acquiring, day-end liquidation, day-end reconciliation, and error correction.
- Intelligent routing means that the system selects the optimal funding channel based on multi-dimensional judgments such as business type, handling fee, and time
- Aggregated payment is an aggregated network payment, which integrates WeChat, Alipay, and gateway payment into one platform to serve e-commerce platforms, while aggregated receipt is an aggregated offline service, which integrates different payment methods into one QR code or terminal scan In the code gun, serving physical store merchants
- Day-end clearing is mainly responsible for the clearing and settlement of funds between payment systems, e-commerce platforms, and capital channel partners, mainly involving clearing, accrual, fee settlement, financial settlement, and profit distribution, etc. Final cash flow
- Day-end reconciliation means that the system reconciles transactions between merchants, capital channel partners, and core systems through documents, and performs corresponding differentiated processing
- Error correction is the most direct compensation method after error processing
2. Payment business scenario
The following describes several functions that are commonly used in daily life and involve payment business processes: inter-bank transfer, order payment, and QR code payment.
1. Inter-bank transfer
The above picture is a fund flow diagram for inter-bank transfer, and its business process is as follows:
- Xiaoming initiates a transfer from the ICBC card to Xiaohong's CCB card, and selects a fund channel for the transfer after being judged by the intelligent routing of the unified payment platform
- The respective features of UnionPay, Super Online Banking, large and small amounts, and third-party payment channels are briefly listed in the above figure
- The capital flow of UnionPay, super online banking, and large and small amount capital channels is the netting settlement of funds between the reserve accounts opened by various banks in the People's Bank of China
- Third-party payment is the reserve account opened by the payment institution in each bank, and the fund flow between the reserve account of the third-party payment institution and the customer account, but the reserve account of the third-party payment institution also needs to be opened in the People's Bank of China
2. E-commerce order payment
The above picture is a flow chart of order payment:
- The consumer generates an order on the e-commerce platform and initiates a payment application on the e-commerce platform
- The e-commerce platform is connected to a third-party payment institution, and the third-party payment institution initiates a deduction request to the card issuing bank where the consumer binds the card
- The issuing bank transfers the funds to the third-party payment reserve account, and returns the payment result to the payment institution
- After the third party pays the reserve account, the funds are cleared and transferred to the merchant's collection account
3. QR code payment
QR code payment is the most commonly used payment method at present. The process of QR code payment is introduced above:
- The consumer presents the QR code, and after the merchant scans the QR code, the merchant’s POS acquirer accepts the consumption request
- The pos acquirer initiates a consumption request to the card issuing bank through UnionPay
- The issuing bank returns the deduction result after deducting the payment, and UnionPay returns the deduction result to the POS acquiring bank to complete the payment action
3. Payment business test points
1. Test method
- Functional testing: By combining various testing methods such as boundary value analysis, equivalence class division, error guessing, and causal diagrams, sort out as comprehensive a test case as possible, and test the payment function and its related functions to ensure that the entire payment process and other processes involving the payment process are in any case functioning normally
- Interface testing: clarify the interfaces that need to be called in the entire payment process, and clearly distinguish the interfaces, parameters and request methods of merchants and third-party payment platforms. Including the encryption of specific parameters of the interface, the use of abnormal order numbers to simulate payment, the verification of the server, etc.
- Security testing: Payment involves the amount, so security testing must be considered. Forgery of payment requests, malicious tampering of amounts, malicious simulation of third-party interfaces to call merchant interfaces, etc.
- Performance test: For the payment business of the e-commerce portal, the maximum concurrency that the payment interface can bear should be considered
- Compatibility test: test the payment function, whether it is compatible under different mobile phone brands and different operating systems
- Interface test: whether the payment page can be displayed correctly, whether the QR code interface is correct, and whether the interface of each payment step is correct. There will be no errors in the front-end interface, or the interface cannot be opened. Is the interface clear and free of typos? Automatically adjust the screen brightness when presenting the QR code
2. Payment test point
1) Payment amount test point
- normal amount payment
- Minimum amount: 0.01
- Meaningless value: 0 yuan
- Payment amount is empty
- Maximum Amount: Set the maximum amount paid
- Bank card or WeChat, etc., set the maximum daily consumption amount or single maximum consumption amount
- Pay when the bank card or WeChat balance is insufficient
- Can the payment amount be copied and pasted
- Whether the payment amount text box accepts the tab key
- Can be non-numeric
- Accuracy verification of payment amount
2) Payment process test point
- Complete the payment process normally
- After calling the order, cancel the order
- After the payment is interrupted, continue to pay
- End payment after payment interruption
- Single order single payment
- Combined payment for multiple orders
- Continuous click to pay, whether there will be multiple purchases
- Whether the return will repeat the payment after the payment is successful
- After the payment is successful, return to the payment page and submit the payment again
- The payment page stays for a long time without payment
3) Payment method test point
- Pay with Ali-Pay
- Alipay web payment
- WeChat payment
- bank card payment
4) Coupons or Discounts
- Whether the coupon/discount is used in the payment, the payable amount and the actual payment amount are correct
- Whether the coupon/discount is mandatory or not
- After the payment order refund is completed, can the coupon/discount still be used?
- Different e-commerce VIP accounts use different coupons
- Alipay has a discount activity, whether it can be discounted normally
5) Payment Verification Test
- Password verification payment
- password-free payment
- Fingerprint verification payment
- Facial recognition verification payment
3. Refund test points
- Normal order refund –> normally complete the refund business
- Initiate a refund without reason: Submit an order number or payment order number that does not exist —> order number does not exist/payment order number does not exist
- Initiate a refund if the information does not match: Submit the data whose order number does not match the payment order number —> the order number/payment order number is incorrect
- The refund is greater than the actual amount: the submitted refund amount is greater than the actual payment amount of the order –> the merchant system will report an error
- The request sent by the merchant system here: the refund amount is greater than the actual payment amount –> the third party will report an error