【摘要】：隨著我國(guó)經(jīng)濟(jì)和互聯(lián)網(wǎng)科技的高速發(fā)展,電子商務(wù)行業(yè)在國(guó)民生活和生產(chǎn)中所扮演的角色越來(lái)越重要,與此同時(shí),隨著人們金融理念的不斷提升,對(duì)支付方式的需求也由紙質(zhì)支付方式轉(zhuǎn)變?yōu)槿缃衿毡槭褂玫木W(wǎng)上支付方式。網(wǎng)上支付是以互聯(lián)網(wǎng)為載體的支付手段,由于買(mǎi)家和賣(mài)家不是面對(duì)面進(jìn)行支付,物流與資金流在時(shí)間和空間上也是各自獨(dú)立的,企業(yè)的信用問(wèn)題和交易過(guò)程中的安全等問(wèn)題逐漸暴露,因此作為中間賬戶的第三方支付平臺(tái)隨之產(chǎn)生。作為交易雙方值得信任的中介,第三方支付平臺(tái)能確保網(wǎng)上交易過(guò)程中的信用和安全問(wèn)題,規(guī)避了很多不法商家的詐騙行為。本文設(shè)計(jì)開(kāi)發(fā)一個(gè)安全可靠、方便快捷的第三方支付系統(tǒng),旨在實(shí)現(xiàn)良好的穩(wěn)定性、安全性和滿足在高頻交易環(huán)境下的大數(shù)據(jù)處理要求,在Eclipse 4.4環(huán)境下進(jìn)行開(kāi)發(fā),采用Java語(yǔ)言進(jìn)行編程,前端能支持多種渠道接入,后臺(tái)能快捷接入銀行等其他合作機(jī)構(gòu),并且具有完善的支付安全保障措施,從而實(shí)現(xiàn)用戶管理、訂單管理、銀行卡充值轉(zhuǎn)賬、購(gòu)物支付等功能。本文主要從以下幾個(gè)方面對(duì)第三方支付系統(tǒng)進(jìn)行了研究:(1)對(duì)第三方支付系統(tǒng)的系統(tǒng)架構(gòu)進(jìn)行重點(diǎn)研究�；谄髽I(yè)實(shí)際的應(yīng)用需求,明確作為第三方支付系統(tǒng)的系統(tǒng)架構(gòu)不僅能支撐業(yè)務(wù)架構(gòu),良好地實(shí)現(xiàn)業(yè)務(wù)功能,而且必須具有靈活性和可擴(kuò)展性,能夠快速響應(yīng)市場(chǎng)的發(fā)展變化和企業(yè)的戰(zhàn)略調(diào)整,滿足其長(zhǎng)期發(fā)展需求。通過(guò)對(duì)面向?qū)ο蠼Y(jié)構(gòu)和面向服務(wù)架構(gòu)SOA進(jìn)行研究,由于SOA強(qiáng)調(diào)技術(shù)無(wú)關(guān)性,其松耦合、可重用、標(biāo)準(zhǔn)化接口、服務(wù)自治、服務(wù)位置透明等特點(diǎn)能夠彌補(bǔ)傳統(tǒng)架構(gòu)緊耦合、硬連接、靈活性差等問(wèn)題,能夠重復(fù)利用企業(yè)的現(xiàn)有資源,減輕運(yùn)營(yíng)成本,提升資源利用率,體現(xiàn)出按業(yè)務(wù)需求進(jìn)行服務(wù)組合的設(shè)計(jì)開(kāi)發(fā)的優(yōu)越性,并且具有強(qiáng)大的負(fù)荷能力優(yōu)勢(shì),因此選擇SOA理念構(gòu)建第三方支付系統(tǒng)的架構(gòu)。在此基礎(chǔ)上,對(duì)SOA服務(wù)化治理方案dubbo技術(shù)進(jìn)行了詳細(xì)研究。(2)對(duì)第三方支付系統(tǒng)進(jìn)行需求分析和總體設(shè)計(jì)�；赟OA理念設(shè)計(jì)系統(tǒng)的業(yè)務(wù)功能和業(yè)務(wù)流程,采用B/S架構(gòu)方式將系統(tǒng)劃分為Web層(包括個(gè)人端、商戶接入和收銀臺(tái)三個(gè)功能模塊)、業(yè)務(wù)服務(wù)層(包括用戶資料、賬務(wù)系統(tǒng)、訂單系統(tǒng)、支付系統(tǒng)、銀行結(jié)算五個(gè)功能模塊)和數(shù)據(jù)庫(kù)層三層體系。將操作重復(fù)性高的功能提取出來(lái)作為原子服務(wù),并根據(jù)業(yè)務(wù)需求將其組合為相應(yīng)的功能模塊,降低模塊間的耦合度,有效地實(shí)現(xiàn)買(mǎi)家、賣(mài)家、支付系統(tǒng)和銀行之間的登錄、支付、查詢、轉(zhuǎn)賬等功能。在數(shù)據(jù)庫(kù)設(shè)計(jì)上采用My Sql作為后臺(tái)數(shù)據(jù)庫(kù),并且本系統(tǒng)改進(jìn)了普通的數(shù)據(jù)庫(kù)設(shè)計(jì),對(duì)數(shù)據(jù)量較大的庫(kù)表進(jìn)行分庫(kù)分表設(shè)計(jì),能夠減少數(shù)據(jù)庫(kù)單表的讀寫(xiě)壓力,縮短了讀寫(xiě)的時(shí)間,保障了數(shù)據(jù)庫(kù)的穩(wěn)定性。(3)對(duì)第三方支付系統(tǒng)的安全性能進(jìn)行詳細(xì)研究,建立了一套完善的安全體系。在安全協(xié)議方面采用了SSL安全套階層技術(shù),在數(shù)字簽名認(rèn)證方面采用了MD5摘要算法、對(duì)稱(chēng)加密算法RSA,在安全加密方面采用了高級(jí)加密標(biāo)準(zhǔn)AES,保證了消費(fèi)者和商戶交易過(guò)程中的信息安全、賬戶安全、資金安全和交易安全。(4)對(duì)第三方支付系統(tǒng)的充值功能進(jìn)行設(shè)計(jì)。詳細(xì)介紹充值功能在收銀臺(tái)系統(tǒng)、訂單系統(tǒng)、支付系統(tǒng)三大系統(tǒng)的設(shè)計(jì)思路、業(yè)務(wù)流程和實(shí)現(xiàn)。通過(guò)對(duì)第三方支付系統(tǒng)的整體性能測(cè)試和分析,測(cè)試結(jié)果表明基于SOA架構(gòu)的第三方支付系統(tǒng)達(dá)到了預(yù)期的設(shè)計(jì)目的,能夠滿足電子商務(wù)行業(yè)的使用需求,產(chǎn)生良好的經(jīng)濟(jì)效益,具有巨大的深入研究?jī)r(jià)值和廣闊的應(yīng)用前景。
[Abstract]:With the rapid development of China's economy and Internet science and technology, the role of E-commerce in national life and production is becoming more and more important. At the same time, with the continuous improvement of people's financial concept, Demand for payment methods is also converted from paper payment to online payment methods commonly used today. Online payment is the payment means taking the Internet as the carrier, because the buyer and the seller are not face-to-face payment, the logistics and the fund flow are also independent in time and space, the credit problem of the enterprise and the security in the course of dealing are gradually exposed, Therefore, the third-party payment platform as the intermediate account is generated accordingly. As a trusted intermediary between the two parties, the third-party payment platform can ensure the credit and security problems in the online transaction process, and avoid the fraud behavior of many illegal merchants. In this paper, a secure and convenient third-party payment system is designed and developed to realize good stability, security and large data processing requirement under high-frequency trading environment. the front end can support various channel access, the background can quickly access other cooperative organizations such as the bank, and has the perfect payment safety guarantee measures, thereby realizing the functions of user management, order management, bank card recharge transfer, shopping payment and the like. This paper mainly studies the third-party payment system from the following aspects: (1) focus on the system architecture of the third-party payment system. Based on the actual application requirements of the enterprise, it is clear that the system architecture as the third-party payment system can not only support the business structure, but also realize the service function well, and must be flexible and extensible, and can quickly respond to the development change of the market and the strategic adjustment of the enterprise. Meet their long-term development needs. Through the research on the object-oriented structure and the service-oriented architecture SOA, because the SOA emphasizes the technology independence, its loose coupling, reusable, standardized interface, service autonomy, service position transparency and the like can solve the problems of tight coupling, hard connection, poor flexibility and the like of the traditional architecture, We can reuse the existing resources of the enterprise, reduce the operating cost, improve the utilization rate of resources, reflect the superiority of the design and development of service combination according to the business requirement, and have strong load capability advantage, so choose the SOA idea to construct the structure of the third-party payment system. On the basis of this, the dubobo technology of SOA service management scheme is studied in detail. (2) Demand analysis and overall design of the third-party payment system. based on the business function and the business process of the SOA idea design system, the system is divided into a Web layer (including three functional modules including a personal terminal, a merchant access and a cash register), a service service layer (including user data, an account system, an order system and a payment system) in a B/ S architecture mode, Bank settlement five functional modules) and database tier three-tier system. The functions of high operating repeatability are extracted as atomic services, and the functions are combined into corresponding functional modules according to business requirements, the coupling degree between modules is reduced, and the functions of login, payment, inquiry, transfer and the like between buyers, sellers, payment systems and banks are effectively realized. In the database design, My Supervisor is used as the background database, and the system improves the common database design. It can reduce the reading and writing pressure of the database single table, shorten the reading and writing time, and guarantee the stability of the database. (3) The security performance of the third-party payment system is studied in detail, and a complete set of security system is established. SSL condoms are used in secure protocol, MD5 digest algorithm is used in digital signature authentication, RSA is symmetric encryption algorithm, high-level encryption standard AES is used in secure encryption, information security and account security during transaction of consumers and merchants are guaranteed, Financial security and transaction safety. (4) designing the charging function of the third-party payment system. The design idea, business process and implementation of charging function in cash register system, order system and payment system are introduced in detail. Through testing and analyzing the whole performance of the third-party payment system, the test results show that the third-party payment system based on the SOA architecture achieves the intended design objective, can meet the use demand of the electronic commerce industry, and has good economic benefits. and has great in-depth research value and wide application prospect.
【學(xué)位授予單位】：成都理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類(lèi)號(hào)】：TP311.52

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