基于SOA架构的第三方支付系统研究与设计

发布时间：2018-10-15 07:00

【摘要】：随着我国经济和互联网科技的高速发展,电子商务行业在国民生活和生产中所扮演的角色越来越重要,与此同时,随着人们金融理念的不断提升,对支付方式的需求也由纸质支付方式转变为如今普遍使用的网上支付方式。网上支付是以互联网为载体的支付手段,由于买家和卖家不是面对面进行支付,物流与资金流在时间和空间上也是各自独立的,企业的信用问题和交易过程中的安全等问题逐渐暴露,因此作为中间账户的第三方支付平台随之产生。作为交易双方值得信任的中介,第三方支付平台能确保网上交易过程中的信用和安全问题,规避了很多不法商家的诈骗行为。本文设计开发一个安全可靠、方便快捷的第三方支付系统,旨在实现良好的稳定性、安全性和满足在高频交易环境下的大数据处理要求,在Eclipse 4.4环境下进行开发,采用Java语言进行编程,前端能支持多种渠道接入,后台能快捷接入银行等其他合作机构,并且具有完善的支付安全保障措施,从而实现用户管理、订单管理、银行卡充值转账、购物支付等功能。本文主要从以下几个方面对第三方支付系统进行了研究:(1)对第三方支付系统的系统架构进行重点研究。基于企业实际的应用需求,明确作为第三方支付系统的系统架构不仅能支撑业务架构,良好地实现业务功能,而且必须具有灵活性和可扩展性,能够快速响应市场的发展变化和企业的战略调整,满足其长期发展需求。通过对面向对象结构和面向服务架构SOA进行研究,由于SOA强调技术无关性,其松耦合、可重用、标准化接口、服务自治、服务位置透明等特点能够弥补传统架构紧耦合、硬连接、灵活性差等问题,能够重复利用企业的现有资源,减轻运营成本,提升资源利用率,体现出按业务需求进行服务组合的设计开发的优越性,并且具有强大的负荷能力优势,因此选择SOA理念构建第三方支付系统的架构。在此基础上,对SOA服务化治理方案dubbo技术进行了详细研究。(2)对第三方支付系统进行需求分析和总体设计。基于SOA理念设计系统的业务功能和业务流程,采用B/S架构方式将系统划分为Web层(包括个人端、商户接入和收银台三个功能模块)、业务服务层(包括用户资料、账务系统、订单系统、支付系统、银行结算五个功能模块)和数据库层三层体系。将操作重复性高的功能提取出来作为原子服务,并根据业务需求将其组合为相应的功能模块,降低模块间的耦合度,有效地实现买家、卖家、支付系统和银行之间的登录、支付、查询、转账等功能。在数据库设计上采用My Sql作为后台数据库,并且本系统改进了普通的数据库设计,对数据量较大的库表进行分库分表设计,能够减少数据库单表的读写压力,缩短了读写的时间,保障了数据库的稳定性。(3)对第三方支付系统的安全性能进行详细研究,建立了一套完善的安全体系。在安全协议方面采用了SSL安全套阶层技术,在数字签名认证方面采用了MD5摘要算法、对称加密算法RSA,在安全加密方面采用了高级加密标准AES,保证了消费者和商户交易过程中的信息安全、账户安全、资金安全和交易安全。(4)对第三方支付系统的充值功能进行设计。详细介绍充值功能在收银台系统、订单系统、支付系统三大系统的设计思路、业务流程和实现。通过对第三方支付系统的整体性能测试和分析,测试结果表明基于SOA架构的第三方支付系统达到了预期的设计目的,能够满足电子商务行业的使用需求,产生良好的经济效益,具有巨大的深入研究价值和广阔的应用前景。
[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.
【学位授予单位】：成都理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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