支付宝银行卡资金处理服务的设计与实现

发布时间：2018-08-26 12:31

【摘要】：随着移动支付的兴盛,支付宝作为国内移动支付占有量最大的一个产品目前已经拥有了数以亿计的用户量以及千亿级别的年交易量。由于监管方面的原因,央行在2015年颁布了《非银支付机构网络支付管理办法》,规定中针对第三方支付机构的支付账号余额支付进行了限额处理。目前支付宝内部的支付场景的资金流大多数需要经过余额作为中转,如此一来规定的实施必将极大地影响用户体验。因此,我们需要以资金流作为切入点,通过对资金流进行改造从而使得非必须依赖余额的支付场景不再依赖余额,从而避免受到管理办法中对余额账户的额度限制。由于支付宝业务架构的历史问题,这一资金流的改造会涉及非常多的系统,并且改造难度实施较大。因此,对于一些改造难度太大的系统,更适合构建一个新系统去替代它而不是在其基础进行修改。一来使得系统更加干净,二来也能够解决一些历史遗留问题。本文所要阐述的银行卡资金处理服务就是相应改造所需要新建的系统之一。该系统旨在提供银行卡资产相关的资金处理服务,例如：充值、转账、提现、充退等。系统上线后银行卡相关的资金流将不再经过支付宝账号余额,而是直接通过渠道内部户到达目标账户。本文详细阐述了银行卡资金处理服务的项目背景、功能需求、详细设计以及技术实现。作为银行卡资金处理的枢纽,本系统对性能以及稳定性有着极高的要求。因此,本文针对支付宝内部的分布式高性能架构体系以及该体系在本系统中的应用进行了较为细致的介绍,可为类似的海量并发支付场景的系统设计与实现提供参考。
[Abstract]:With the prosperity of mobile payment, Alipay, as one of the largest mobile payment products in China, now has hundreds of millions of users and hundreds of billions of levels of annual trading volume. For regulatory reasons, in 2015, the central bank promulgated the "payment Management measures for the Network of AfDB payment institutions", which set a quota on the balance payments of third-party payment accounts. At present, most of the fund flow in payment scene of Alipay needs to pass through the balance as transit, so the implementation of the regulations will greatly affect the user experience. Therefore, we need to take the capital flow as the starting point, through the transformation of the capital flow, so that the non-dependent payment scenario will no longer rely on the balance, so as to avoid the limit of the balance account in the management method. Due to the historical problems of Alipay business structure, the transformation of this capital flow will involve many systems, and the transformation is difficult to implement. Therefore, it is more suitable to build a new system to replace it rather than modify it on the basis of some systems that are too difficult to be modified. First, to make the system cleaner, and second, to solve some problems left over from history. The bank card fund processing service is one of the newly built systems. The system is designed to provide bank card asset-related funds processing services, such as: recharge, transfer, withdrawals, etc. The bank card related fund flow will not pass through Alipay account balance after the system goes online, but will reach the target account directly through the channel internal households. This paper describes the project background, functional requirements, detailed design and technical implementation of bank card fund processing service in detail. As the hub of bank card fund processing, the system has high requirements for performance and stability. Therefore, this paper introduces the distributed high-performance architecture of Alipay and its application in this system in detail, which can provide a reference for the system design and implementation of similar massive concurrent payment scenarios.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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