The homepage has been displayed before, and users add shopping carts, confirm orders and other functions. The following is the development of the payment function. After the user confirms the order, he will jump directly to the payment page for online payment. Online payment requires a third-party interface. This section mainly introduces some content about third-party payment. Starting from the next section, we will truly develop online payment modules.
1. Introduction to online payment
Online payment refers to a business in which the seller and the buyer conduct transactions through an e-commerce website on the Internet, and the bank provides online fund settlement services. It provides enterprises and individuals with a safe, fast and convenient e-commerce application environment and online fund settlement tools. Online payment not only helps enterprises to quickly collect sales funds and shorten the collection cycle, but also provides online consumption payment settlement methods for individual online banking customers, so that customers can truly shop online without leaving their homes.
2. How to connect to the bank
2.1 Direct connection between the mall and the bank
As the name suggests, it means that the mall is directly connected to the bank. Users can jump to the bank by clicking on the logo of a certain bank and complete the payment function. This method is simple and directly connected to the bank, but there are many issues to consider, such as:
1) There is no operationality to connect directly to the bank in small and medium-sized malls;
2) Even if connected to a bank, the interfaces connected to each bank are different, the connection is complicated and the security is tested;
3) Upgrading and maintenance are difficult.
2.2 Mall and Payment Agency and Bank
This is easy to understand. The mall is connected to a payment intermediary, and the intermediary is responsible for the connection to the bank. The most commonly used third-party payments include Alipay, Tenpay, Yibao Payment, Kuaiqian, Online Banking, etc. Among them, as an independent online merchant or website with payment services, the most commonly selected are Alipay, Yibao Payment, Kuaiqian, and Tenpay. This solution is the solution for most online stores, and the principle is as follows:
It has the following advantages :
1) Both large, medium and small banks can connect, just register a merchant account with the intermediary. After the customer successfully purchases the mall, the money will be transferred to the mall payment agency account. When the merchant withdraws the turnover, the agency will deduct a part of the handling fee. This is also a channel for third-party payment to make money~~~
2) The mall only needs to connect to the payment intermediary, and only needs to be familiar with the interface of the payment intermediary. The connection is simple and convenient for development, and the payment intermediary can ensure security;
3) The upgrade of the bank has nothing to do with the mall, and the payment intermediary maintains the interface with the bank.
3. Yibao Payment
3.1 Introduction to Yibao Payment
The payment intermediary for this project is Yibao Payment. Let me briefly introduce Yibao: On April 7, 2005, Beijing Tongrongtong Information Technology Co., Ltd. officially launched the Yibao Payment Electronic Payment Platform. Yibao Payment is one of the leading third-party electronic payment service providers in China. It has innovatively launched a comprehensive electronic professional payment platform integrating the Internet, mobile phones, and telephones. It is headquartered in Beijing and has branches in Shanghai, Guangzhou, Shenzhen, Chengdu and other places. It is estimated that the transaction scale of Yibao Payment will exceed 5 billion yuan in 2010, and more than 10,000 large merchants have signed cooperation contracts. Strategic partners include IBM, Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, Minsheng Bank, VISA, China Unicom, Shanghai Telecom, etc. For details, please learn about Yibao Payment official website.
3.2 Yibao payment route
Yibao can pay online, mobile payment, or phone payment. Just look at the schematic diagram:
Okay, so much introduction to the payment platform. I will write some articles on developing payment modules at the beginning of the next section.
Original address: http://blog.csdn.net/eson_15/article/details/51441431
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