Cooperation with the bank worked on a payment system architecture at finishing.
Overall comprising: an interface into pieces - Transaction Interface - clearing system - back-office systems.
First of all, this system is here to play a major role "middlemen", which is upstream of Alipay, Jingdong micro-channel payment and pay third-party payment platform, which is downstream channels and businesses, including businesses outside of ordinary business (this is called offline payment) and app payments (online payment), the channel is to help the bank to expand the business of "middlemen." The two "middlemen" Why be happy to do it, I believe we all know, not every company is melon subnet.
Early, banks Alipay, micro-channel payment platform registrar account, this account and general company to register an account difference is that he can increase by api way of business, more flexible, can be understood, micro-channel pay to open a privilege the higher the account, so you can add your business in a micro-channel payment platform, the business daily water supplied to the bank the next day hit a unified micro-channel payment of the public accounts.
End registrar account, distributors began offering business information, this time, you need to call into pieces of the interface, the interface to the merchant information to micro-channel pay offer, the successful micro-channel into pieces paid returned to the merchant's merchant number, the latter initiates the transaction to be used the number to the merchant.
After the merchant number to get, we can call the merchant number of micro-channel pay offer, initiates a payment (currently sweeping yards payments, credit card payments, public No. pay, app payments and H5 payments), payment after the success of micro-channel callback our interface, we write the transaction. (Reconciliation for the next day - check-party database records and billing statements)
The next day, 9:00 micro-channel bill payment service providers to provide account, download bills clearing system to begin reconciliation. Reconciliation abnormalities typically include multi-account (tripartite bills micro letter provided no record in the database record), less debt (tripartite bills micro letter provided documented, not in the database record) and the wrong account (tripartite account micro-channel offer and database provides three-way account, the transaction amount is not equal.). After a single transaction reconciliation needs summary, see the summary is consistent whether the amount of the total amount of public accounts and service providers received a single day. The same amount, then start the transfer of the bank's plan to pay interface. After all the pay plan is completed, the process means that all transactions completed yesterday.
The system provides the background to the bank, distributors and merchants to view data and daily transaction settlement and other information.
