摘要
为了解决现有第三方支付行业中市场碎片化、商户高维护费用的现状,采用J2EE技术以及改进型的MD5信息加密方式,提出一种基于多层体系架构的第四方支付平台框架方案。首先,该平台融合了当今主流的多种在线支付方式,商户在一个平台就可以接入多种支付接口,大大减少了商户接入、维护和支付结算服务时面临的成本支出。其次,该平台采用改进型的MD5信息加密方式,通过对平台中商户进件信息和交易预下单信息进行请求和响应参数的统一加密、验签,可有效地解决商户信息、交易订单信息被篡改的风险,保证网络信息传递的唯一性和准确性。最后进行平台框架的实际应用,结果表明,此框架为第四方支付结构提供了商户入驻审核、交易、对账、清分以及结算的一整套在线支付综合解决方案。
A framework scheme of the fourth?party payment platform based on the multilayer architecture is proposed by adopting the J2EE technology and improved MD5 information encryption mode,so as to deal with the current situations of mar-ket fragmentization and merchants′high maintenance cost in the third-party payment industry.Various main online payment modes at present are fused in this platform so that merchants can access multiple payment interfaces in one platform,which greatly reduces merchants′cost and expenditure generated in access,maintenance,payment and settlement services.The improved MD5 information encryption mode is adopted on this platform.Unified encryption,verification and signing of request and response parameters are conducted for purchased goods information and pre?order transaction information of merchants on the platform,so as to effectively deal with the risk that merchant information and order information of the transaction are falsified,and ensure the uniqueness and accurateness of network information transmission.The actual application of the platform frame-work was carried out.The results show that the framework can provide a whole set of comprehensive online payment solution for merchants′verification,transaction,account checking,clearing and settlement of the fourth-party payment institution.
作者
贾义伍
黄卫华
JIA Yiwu;HUANG Weihua(School of Information Science and Engineering,Wuhan University of Science and Technology,Wuhan 430080,China)
出处
《现代电子技术》
北大核心
2018年第20期65-69,共5页
Modern Electronics Technique
